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    <div style="margin-left: 11pt; line-height: 11.4pt; margin-top: 2.65pt; font-family: 'Times New Roman';">As filed with the Securities and Exchange Commission on September 28, 2021&#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-weight: bold;">WASHINGTON, D.C. 20549</div>
    <div style="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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; 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';">(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';">One Chase Manhattan Plaza, 37th Floor, New York, New York 10005-1423</div>
    <div style="text-align: center; margin-right: 164.9pt; margin-left: 164.9pt; line-height: 11.85pt; font-family: 'Times New Roman';">(212) 586-7733</div>
    <div style="text-indent: -187.6pt; margin-left: 198.6pt; line-height: 11.4pt; font-family: 'Times New Roman';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; (Address, including zip code, and
      telephone number, including area code, of Registrant&#8217;s principal executive offices)</div>
    <div style="text-align: center; margin-right: 198.2pt; margin-left: 198.15pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman';">Erik 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';">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';">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';">(763) 765-2913</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';">(Name, address, including zip code, and telephone number, including area code, of agent for service)</div>
    <div style="margin-left: 11pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-weight: bold;">Approximate date of commencement of proposed sale to the public:</div>
    <div style="margin-left: 11pt; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Times New Roman';">As soon as practicable after this registration statement becomes effective.</div>
    <div style="margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman';">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="margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6pt; font-family: 'Times New Roman';">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="margin-left: 11pt; line-height: 11.4pt; margin-top: 6pt;"><font style="font-family: 'Times New Roman';">Large accelerated filer</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;

      </font><font style="font-family: 'Times New Roman';">[ &#160; ]<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.03pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font>Accelerated filer<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.26pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>[&#160;&#160;


        ]</font></div>
    <div style="margin-right: 131.7pt; margin-left: 11pt; line-height: 11.9pt; margin-top: 0.5pt;"><font style="font-family: 'Times New Roman';">Non-accelerated filer</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman';">[X]<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>Smaller reporting company[&#160;&#160; ] (Do not check if a smaller reporting company)</font></div>
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            <div style="text-align: center; margin-right: 0.05pt; line-height: 9.1pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 8pt; font-weight: bold;">Calculation of Registration Fee</div>
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -23.9pt; margin-right: 16.85pt; margin-left: 40.75pt; line-height: 9.9pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 8pt; font-weight: bold;">Title of each class of securities to be registered</div>
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.2pt; margin-right: 18.05pt; margin-left: 18.1pt; line-height: 9.9pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 8pt; font-weight: bold;">Amount to be registered</div>
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 2.5pt; margin-right: 7.7pt; margin-left: 7.7pt; line-height: 9.9pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 8pt; font-weight: bold;">Proposed maximum offering price per unit</div>
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -2.55pt; margin-right: 4.25pt; margin-left: 6.9pt; line-height: 9.9pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 8pt; font-weight: bold;">Proposed maximum total aggregate offering price</div>
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          <td style="width: 20%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -1.45pt; margin-right: 22.25pt; margin-left: 23.8pt; line-height: 9.9pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 8pt; font-weight: bold;">Total Amount of registration fee</div>
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 3.8pt; margin-right: 6.8pt; margin-left: 6.8pt; line-height: 10pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 8pt;">Individual Flexible Purchase Payment Index-Linked and Variable Deferred Annuity
              Contract and Interests Therein</div>
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          <td style="width: 16.3%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-left: 16.149pt; line-height: 10.25pt; margin-top: 5.5pt; color: #000000; font-family: 'Arial Narrow'; font-size: 9pt;">$1,000,000<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 10.25pt; margin-top: 5.5pt; font-family: 'Arial Narrow'; font-size: 9pt;"><font style="color: #000000;">NA</font><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></div>
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          <td style="width: 18.72%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-left: 24.4pt; line-height: 10.25pt; margin-top: 5.5pt; color: #000000; font-family: 'Arial Narrow'; font-size: 9pt;">$1,000,000<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
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          <td style="width: 20%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-left: 28.6pt; line-height: 10.25pt; margin-top: 5.5pt; color: #000000; font-family: 'Arial Narrow'; font-size: 9pt;">$109.10<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
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    <div style="margin-left: 25.4pt; line-height: 10pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 8pt;">(1) To be updated upon pre-effective amendment.</div>
    <div style="margin-left: 25.4pt; line-height: 10pt; margin-bottom: 1pt; font-family: 'Times New Roman'; font-size: 8pt;">(2) The proposed maximum offering price per unit is not applicable since these securities are not issued in predetermined amounts
      or units.</div>
    <div style="margin-left: 7pt; line-height: 11.85pt; margin-top: 2.65pt; font-family: 'Times New Roman';">_____________________________________________________________________________________________________</div>
    <div style="margin-right: 51.75pt; margin-left: 7pt; line-height: 11.85pt; margin-top: 2.65pt; font-family: 'Times New Roman';">The Registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective
      date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration statement
      shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.</div>
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    <div style="text-align: center; text-indent: 0.1pt; line-height: 17.8pt; margin-top: 2.8pt; font-family: Arial; font-size: 12pt;">PART I PROSPECTUS</div>
    <div style="text-align: center; text-indent: 0.1pt; line-height: 17.8pt; margin-top: 2.8pt; font-family: Arial; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 17.8pt;">
      <div style="width:100%;">
        <div style="width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:bold;line-height:14pt;margin-bottom:2pt;margin-top:2pt;text-align:center;text-decoration:none;text-transform:uppercase;"> ALLIANZ Index Advantage <sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York VARIABLE ANNUITY CONTRACT issued on or after [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 4pt; text-align: center; text-decoration: none; text-transform: none;">An individual flexible purchase payment
            index-linked and variable deferred annuity contract <font style="font-weight:bold;">(the Contract)</font></div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Issued by Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY Variable Account C <font style="font-weight:bold;">(the Separate Account)</font> and</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Life Insurance Company of New York <font style="font-weight:bold;">(Allianz Life of New York, we, us, our)</font></div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Prospectus Dated: [MMDD],
              2021 </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z5e3e6a1be0ae473fbfd94a56db146658">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> The information in this prospectus is not complete and may be changed. We cannot sell Allianz Index Advantage <sup style="font-style: italic; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> 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. </td>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
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                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.59%;"> Standard Annuity Features </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.41%;"> Available Investment Options </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.59%;"> &#8226;&#8194;Five fixed annuitization options <br>
                    <font style="font-weight:bold;"> (Annuity Options) </font> &#8226;&#8194;Free withdrawal privilege allows you to withdraw up to 10% of your total Purchase Payments during the six-year withdrawal charge period &#8226;&#8194;Systematic withdrawal
                      program &#8226;&#8194;Minimum distribution program for certain tax qualified Contracts &#8226;&#8194;Waiver of withdrawal charge benefit &#8226;&#8194;Guaranteed death benefit <br>
                    <font style="font-weight:bold;"> (Traditional Death Benefit) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:50.41%;"> &#8226;&#8194;A maximum of 14 index-linked investment options <font style="font-weight:bold;"> (Index Options) </font> based

                      on different combinations of two credit calculation methods <font style="font-weight:bold;"> (Crediting Methods), </font> four nationally recognized third-party broad based equity securities indexes <font style="font-weight:bold;"> (Index or Indexes) </font> , and three time periods for measuring Index performance <font style="font-weight:bold;"> (Term) </font> &#8226;&#8194;Three variable investment options <br>
                    <font style="font-weight:bold;"> (Variable Options) </font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;" colspan="2"> The risk of loss can become greater in the case of an early withdrawal (a withdrawal taken within six years
                      after we receive a purchase payment) due to withdrawal charges. Withdrawals will be subject to federal and state taxation, and withdrawals taken before age 59 <sup style="font-style: italic; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:9pt;"> 2 </font> may also be subject to a 10% additional federal tax. <font style="font-weight:Normal;"> If this is a </font> <font style="font-weight:Normal;"> Non-Qualified Contract, </font> <font style="font-weight:Normal;"> a withdrawal will be taxable to the extent that gain exists within
                        the Contract. A </font> Non-Qualified <font style="font-weight:Normal;"> Contract is a Contract that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the
                        Internal Revenue Code </font> (the Code) <font style="font-weight:Normal;"> . </font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.18%;" id="z1ef5cbf96ecd43fa8c14b9ee895f8533">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.31%;"> Crediting Methods Currently Available <br>
                    <font style="font-size:8pt;font-weight:Normal;line-height:11pt;"> Only the Index Performance Strategy offers 1-year, 3-year, and 6-year Terms. <br>
                       Index Protection NY Strategy only offers 1-year Terms. </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:26.39%;"> Indexes Currently <br>
                     Available with <br>
                     1-year Terms </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:23.30%;"> Indexes Currently <br>
                     Available with <br>
                     3-year and 6-year Terms <br>
                     (Index Performance Strategy only) </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:50.31%;"> &#8226;&#8194;Index Protection NY Strategy <br>
                     &#8226;&#8194;Index Performance Strategy <br>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:26.39%;"> &#8226;&#8194;S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index <br>
                     &#8226;&#8194;Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index <br>
                     &#8226;&#8194;Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index <br>
                     &#8226;&#8194;EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:23.30%;"> &#8226;&#8194;S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup>
                      Index <br>
                     &#8226;&#8194;Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; padding-left: 1.42%; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;" id="zea1ecc31086244a68287aba5a0a396f6">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;" colspan="3"> Crediting Method Highlights <br>
                    <font style="font-size:8pt;font-weight:Normal;line-height:11pt;"> All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits
                        from positive Index performance. </font><font style="font-size:8pt;line-height:11pt;"> Performance Credits </font><font style="font-size:8pt;font-weight:Normal;line-height:11pt;"> are the return you receive on the Term
                        End Date when you allocate assets to an Index Option. </font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:1.75pt;text-align:center;vertical-align:bottom;width:16.56%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.54%;"> Negative Index Performance Protection </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.90%;"> Positive Index Performance Participation Limit </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.56%;"> Index Protection NY Strategy </td>
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:11pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:33.54%;"> &#8226;&#8194; <font style="font-weight:bold;"> Buffers </font> (the amount of negative
                      Index performance we absorb over the duration of a Term before you receive a negative Performance Credit) <br>
                     &#8211;&#8194; Buffers cannot be less than 10% </td>
                  <td style="border-bottom:0.5pt Solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.90%;"> &#8226;&#8194; <font style="font-weight:bold;"> Caps </font> (the <font style="font-weight:bold;"> upper limit </font>
                      on positive Index performance) <br>
                     &#8211;&#8194; Caps cannot be less than 4.25% </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:72pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;1&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <!--PAGE BREAK-->
      <div style="width:100%;">
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.99%;" id="z8aaa842f3c344d03953b589441f79dcc">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;" colspan="3"> Crediting Method Highlights <br>
                    <font style="font-size:8pt;font-weight:Normal;line-height:11pt;"> All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits
                        from positive Index performance. </font><font style="font-size:8pt;line-height:11pt;"> Performance Credits </font><font style="font-size:8pt;font-weight:Normal;line-height:11pt;"> are the return you receive on the Term
                        End Date when you allocate assets to an Index Option. </font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:1.75pt;text-align:center;vertical-align:bottom;width:16.56%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.54%;"> Negative Index Performance Protection </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.90%;"> Positive Index Performance Participation Limit </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:16.56%;" rowspan="2"> Index Performance Strategy </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:33.54%;" rowspan="2"> &#8226;&#8194; <font style="font-weight:bold;"> Buffers <br>
                    </font> &#8211;&#8194; Buffers cannot be less than 10% </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.90%;"> &#8226;&#8194; <font style="font-weight:bold;"> 1-year Term: Caps <br>
                    </font> &#8211;&#8194; Caps cannot be less than 6.25% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.90%;"> &#8226;&#8194; <font style="font-weight:bold;"> 3-year and 6-year Terms: Caps and Participation Rates <br>
                    </font> (a percentage of Index performance) <br>
                     &#8211;&#8194; Caps for 3-year Terms cannot be less than 18.75% if the Buffer is 10%, or less than 15.75% if the Buffer is 20% <br>
                     &#8211;&#8194; Caps for 6-year Terms cannot be less than 37.50% <br>
                     &#8211;&#8194; Both 3-year and 6-year Terms can be &#8220;uncapped&#8221; (i.e., we do not declare a Cap for that Term) <br>
                     &#8211;&#8194; Participation Rates cannot be less than 100% </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The Contract&#8217;s risks are described in Risk Factors on page 20 of
            this prospectus.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.00%;" id="z1df321a85b4f45cca9b5b2b212229ee7">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;" colspan="3">Variable Options Currently Available </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:6pt;padding-top:2.12pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.99%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> MVP Growth Index Strategy Fund </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2.12pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:35.05%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> MVP Balanced Index Strategy Fund </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt;padding-top:2.12pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:32.96%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Government Money Market Fund </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> You can allocate the money you put into
              the Contract <font style="font-weight:bold;"> (Purchase Payments) </font> to any or all of the available Index Options and Variable Options <font style="font-weight:bold;"> (Allocation Options) </font> . You may also
              reallocate and transfer Contract Value among the Allocation Options subject to certain restrictions described in this prospectus. Your <font style="font-weight:bold;"> Contract Value </font> is the current value of the Purchase
              Payments you invest that includes the returns of your selected Allocation Options. It reflects deductions we make for Contract fees and expenses. All withdrawals you take reduce your Contract Value dollar for dollar, including partial
              withdrawals that may be subject to a withdrawal charge. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;"> If you allocate Purchase Payments or transfer Contract Value
              to the Index Options, you receive Performance Credits calculated by us based on the performance of one or more Indexes over a Term <font style="font-weight:bold;"> </font> as measured by the Index Return and the applicable Buffer, Cap,
              and/or Participation Rate. The <font style="font-weight:bold;"> Participation Rate </font> may allow you to receive more than the Index Return if the Index Return is positive. We do <font style="font-weight:bold;text-decoration:underline;"> not </font> apply the Participation Rate if the Index Return is zero or negative. Only the Index Performance Strategy 3-year and 6-year Terms include a Participation Rate. The <font style="font-weight:bold;"> Index Return </font> is the percentage change in Index value from the Term Start Date to the Term End Date. The <font style="font-weight:bold;"> Term Start Date </font> is the date on which a
              Term begins and we set the Caps and Participation Rates for an Index Option; this can occur on either the Index Effective Date or an Index Anniversary. The <font style="font-weight:bold;"> Term End </font><font style="font-weight:bold;"> Date </font> is the date on which a Term ends and we apply Performance Credits; this can only occur on an Index Anniversary. The <font style="font-weight:bold;"> Index Effective Date </font> is
              the first day we allocate assets to an Index Option. An <font style="font-weight:bold;"> Index Anniversary </font> is a twelve-month anniversary of the Index Effective Date. <font style="font-weight:bold;"> Because we
                calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most, of the Term. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;"> Performance Credits may be positive, negative, or equal to
              zero, depending on the applicable Crediting Method and the performance of the applicable Index. <font style="font-weight:bold;"> The Index Protection NY Strategy and Index Performance Strategy allow negative Performance Credits. </font>
            <font style="font-style:italic;font-weight:bold;"> A negative Performance Credit means you can lose principal and previous earnings. </font> <font style="font-style:italic;font-weight:bold;"> These losses could be significant. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;"> Caps and Participation Rates that we use to determine
              Performance Credits for a Contract can change on each Term Start Date <font style="font-style:italic;font-weight:bold;"> and may vary substantially based on market conditions. However, in extreme market environments, it is possible
                that all Caps and Participation Rates </font> <font style="font-style:italic;font-weight:bold;"> will be reduced to their respective minimums of 4.25%, 6.25%, 15.75%, 18.75%, 37.50%, or 100% as stated above. </font> Buffers that
              we use to determine Performance Credits for a Contract do not change once they are established. <font style="font-style:italic;font-weight:bold;"> With prior written notice we may make certain Index Options temporarily unavailable 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. Index Options that we cannot make temporarily unavailable are listed in Risk Factors &#8211; Changes to Caps,
                Participation Rates, and Buffers and Temporary Unavailability of Index Options. </font> The Crediting Methods are described in greater detail in the Summary, and in section 5, Valuing Your Contract &#8211; Calculating Performance Credits.
              The Indexes are described in Appendix A. Temporary unavailability of Index Options is also discussed in section 3, Purchasing the Contract. </div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;2&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;">
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The <font style="font-weight:bold;"> Daily
                Adjustment </font> is how we calculate Index Option Values (the portion of your Contract Value in the Index Options) on days other than 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, or when we deduct any withdrawal charge, product fee, or contract maintenance charge, we calculate the Index Option Value by
              applying the Daily Adjustment. All withdrawals you take are subject to the Daily Adjustment, even withdrawals that are not subject to a withdrawal charge <font style="font-weight:bold;"> (Penalty-Free Withdrawals) </font> .
              Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and RMD payments you take under our minimum distribution program. <font style="font-weight:bold;"> In
                extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it cannot result in a total loss of -100%. Such losses will be greater if the amount withdrawn is a deduction of Contract fees and
                expenses. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If you allocate Purchase Payments or transfer Contract Value to
            the Variable Options, the value of your investment <font style="font-weight:bold;">(Variable Account Value)</font> increases and decreases each Business Day based on your selected Variable Options&#8217; performance. A <font style="font-weight:bold;">Business Day</font> is each day the New York Stock Exchange is open for trading and it ends when regular trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. The Separate Account
            holds the assets you allocate to the Variable Options.<font style="font-style:italic;font-weight:bold;"> The Variable Options do not provide any protection against loss of principal. You can lose principal and previous earnings that you
              allocate to the Variable Options.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Index-linked and variable annuity contracts are complex insurance
            and investment vehicles.<font style="font-weight:Normal;"> Before you invest, be sure to ask your </font>Financial Professional<font style="font-weight:Normal;"> (the person who advises you regarding the Contract) about the Contract&#8217;s
              features, benefits, risks, fees and expenses, whether the Contract is appropriate for you based upon your financial situation and objectives, and for a specific recommendation to purchase the Contract. The Contract may be available through
              third-party financial advisers who charge a financial adviser fee for their services. If you choose to pay financial adviser fees from this Contract, the deduction of this financial adviser fee is in addition to this Contract&#8217;s fees and
              expenses, may be subject to a withdrawal charge, reduces your guaranteed values, and may be subject to federal and state income taxes and a 10% additional federal tax.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">All guarantees under the Contract, including Performance Credits,
            are the obligations of Allianz Life of New York and are subject to our claims paying ability and financial strength.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Please read this prospectus before investing and keep it for
            future reference. The prospectus describes all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life of New York that you ought to know before investing including
            material state variations. This prospectus is not offered in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the information contained in this prospectus. We have not authorized
            anyone to give you different information.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The Securities and Exchange Commission (SEC) has not approved or
            disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. An investment in this Contract is not a deposit of a bank or financial institution and is not
            federally insured or guaranteed by the Federal Deposit Insurance Corporation or any other federal government agency. An investment in this Contract involves investment risk including the possible loss of principal.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Allianz Life of NY Variable Account C is the Separate Account
            that holds the assets allocated to the Variable Options. Additional information about the Separate Account has been filed with the SEC and is available upon written or oral request without charge. A Statement of Additional Information <font style="font-weight:bold;">(SAI)</font> dated the same date as this Form N-4 prospectus includes additional information about the Contract. The SAI is also filed with the SEC on Form N-4 under File Number 333-192949 and is incorporated by
            reference into this prospectus. The SAI is available without charge by contacting us at the telephone number or address listed at the back of this prospectus. The SAI&#8217;s table of contents appears after the Privacy and Security Statement in this
            prospectus. The prospectus and SAI are also available on our website at www.allianzlife.com/new-york. The prospectus, SAI and other Contract information are also available on the EDGAR database on the SEC&#8217;s website (www.sec.gov).</div>
        </div>
        <div style="margin-top:83pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;3&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"></a>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; text-decoration: none; text-transform: none;">TABLE OF CONTENTS<br>
          </div>
        </div>
        <div style="margin-top:3pt;">
          <div style="float:left;overflow:hidden;position:relative;width:47.73%;" type="Block">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:100.00%;" id="z6219e253cfff44fb9633068addadf301">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_edbe7069-833c-4d96-826e-f4dbf1498250_1"> Glossary </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 6 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_1"> Summary </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 10 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_3"> Who Should Consider Purchasing the Contract? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 12 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_4"> How Do the Crediting Methods Work? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 13 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_5"> How Do the Crediting Methods Compare? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 14 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_6"> Bar Chart Examples of the Crediting Methods Performance </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 15 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_8"> Can the Crediting Methods, Terms, or Indexes Change? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 17 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_8"> When Does Allianz Establish the Values Used to Determine Index Credits? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 17 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_9"> What Are the Different Values Within the Contract? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 18 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_9"> What Is the Daily Adjustment? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 18 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_10"> What is the Performance Lock? </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 19 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_11"> Risk Factors </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 20 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_11"> Liquidity Risks </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 20 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_11"> Risks of Investing in Securities </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 20 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_12"> Risk of Negative Returns </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 21 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_13"> Risks Associated with Calculation of Performance Credits </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 22 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_14"> Risks Associated with Performance Locks </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 23 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_14"> Substitution of an Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 23 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_14"> Changes to Caps, Participation Rates, and Buffers and Temporary Unavailability of Index Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 23 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_16"> Investment in Derivative Hedging Instruments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 25 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_16"> Our Financial Strength and Claims-Paying Ability </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 25 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_17"> Regulatory Protections </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 26 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_17"> Fee Tables </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 26 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_17"> Owner Transaction Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 26 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_17"> Owner Periodic Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 26 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_18"> Contract Annual Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 27 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_18"> Annual Operating Expenses of the Variable Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 27 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_18"> Examples </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 27 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_19"> Condensed Financial Information </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 28 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_20"> 1. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_20"> The Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 29 </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_21"> Financial Adviser Fees </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 30 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_22"> When the Contract Ends </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 31 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_22"> 2. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_22"> Ownership, Annuitant, Determining Life, Beneficiary, and Payee </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 31 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_22"> Owner </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 31 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_22"> Joint Owner </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 31 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_22"> Annuitant </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 31 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_23"> Determining Life (Lives) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 32 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_23"> Beneficiary </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 32 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_23"> Payee </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 32 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_24"> Assignments, Changes of Ownership and Other Transfers of Contract Rights </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:3.90%;"> 33 </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="float:right;overflow:hidden;position:relative;width:47.73%;" type="Block">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;" id="zbdb9b9b92b9d4f37a55393d383fb83d7">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_24"> 3. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_24"> Purchasing the Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 33 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_24"> Purchase Requirements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 33 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_24"> Applications Sent Electronically </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 33 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_25"> Allocation of Purchase Payments and Contract Value Transfers </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 34 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_26"> Automatic Investment Plan (AIP) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 35 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_26"> Free Look/Right to Examine Period </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 35 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_27"> 4. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_27"> Variable Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 36 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_28"> Substitution of Variable Options and Limitation on Further Investments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 37 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_28"> Transfers Between Variable Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 37 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_29"> Electronic Transfer and Allocation Instructions </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 38 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_29"> Excessive Trading and Market Timing </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 38 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_31"> Voting Privileges </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 40 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_31"> 5. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_31"> Valuing Your Contract </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 40 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_32"> Determining Variable Account Value </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 41 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_32"> Determining Index Option Values </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 41 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_34"> Calculating Performance Credits </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 43 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_35"> Daily Adjustment </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 44 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_35"> Performance Locks </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 44 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_36"> Optional Reallocation Program for the 1-year Term Index Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 45 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_36"> 6. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_36"> Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 45 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_36"> Product Fee </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 45 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_38"> Contract Maintenance Charge </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 47 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_38"> Withdrawal Charge </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 47 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_40"> Transfer Fee </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 49 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_41"> Premium Tax </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 50 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_41"> Income Tax </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 50 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_41"> Variable Option Expenses </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 50 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_41"> 7. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_41"> Access to Your Money </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 50 </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_43"> Free Withdrawal Privilege </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 52 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_43"> Systematic Withdrawal Program </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 52 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_43"> Minimum Distribution Program and Required Minimum Distribution (RMD) Payments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 52 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_43"> Waiver of Withdrawal Charge Benefit </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 52 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_43"> Suspension of Payments or Transfers </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 52 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_44"> 8. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_44"> The Annuity Phase </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 53 </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_44"> Calculating Your Annuity Payments </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 53 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_44"> Annuity Payment Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 53 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_45"> When Annuity Payments Begin </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 54 </td>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_45"> 9. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_45"> Death Benefit </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 54 </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_47"> Death of the Owner and/or Annuitant </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 56 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_47"> Death Benefit Payment Options During the Accumulation Phase </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 56 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_47"> Death Benefit Payment Options </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:3.90%;"> 56 </td>
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        </div>
        <div style="clear:both;">&#160;
          <div style="clear:both;padding-top:45pt;width:100%;" type="Block">
            <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;"> </div>
        </div>
        <div style="padding-top:4pt;width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48">Allianz Index
              Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021</a></div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_0cfc9c07-6aab-4b75-8ce0-a9ac74d365ec_2"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-decoration:none;text-transform:none;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48">&#160;4&#160;</a></div>
          <div><font style="font-size:11pt;font-weight:Normal;line-height:14pt;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48">TABLE OF CONTENTS </a></font></div>
        </div>
        <div style="margin-top:12pt;">
          <div style="float:left;overflow:hidden;position:relative;width:47.73%;" type="Block">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;" id="z5fc1f236c63a4f53ab82197c2fc79a5f">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48">10.</a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48">Taxes</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">57 </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48">Qualified and Non-Qualified Contracts</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">57 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48">Taxation of Annuity Contracts</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">57 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
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                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_49">Tax-Free Section 1035 Exchanges</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">58 </td>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_50">11.</a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_50">Other Information</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">59 </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_50">The Registered Separate Account</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">59 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_50">Our General Account</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">59 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_50">Our Unregistered Separate Account</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">59 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_50">Distribution</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">59 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_52">Additional Credits for Certain Groups</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">61 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_52">Administration/Allianz Service Center</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">61 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_52">Legal Proceedings</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">61 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_52">Status Pursuant to Securities Exchange Act of 1934</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">61 </td>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_53">12.</a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_53">Information on Allianz Life of New York</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">62 </td>
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                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_53">Directors, Executive Officers and Corporate Governance</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">62 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_57">Executive Compensation</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">66 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_69">Security Ownership of Certain Beneficial Owners and Management</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">78 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_69">Transactions with Related Persons, Promoters and Certain Control Persons</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">78 </td>
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                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_69">Business and Operational Risks Relevant to the Contract</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">78 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_76">13.</a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_76">Financial Statements</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">85 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_d8518aa7-a05f-4985-a3dd-72357de0277c_1">14.</a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_d8518aa7-a05f-4985-a3dd-72357de0277c_1">Privacy Notice</a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:3.90%;">86 </td>
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              </table>
            </div>
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          <div style="float:right;overflow:hidden;position:relative;width:47.73%;" type="Block">
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;" id="z69a236326c0e4d1fa071df5d08572346">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_3a70456f-7767-410e-a2e6-4ac6289a4990_1"> 15. </a> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_3a70456f-7767-410e-a2e6-4ac6289a4990_1"> Table of Contents of the Form N-4 SAI </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 88 </td>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_1"> Appendix A &#8211; Available Indexes </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 89 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_1"> S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 89 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_1"> Russell 2000 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 89 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_2"> Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 90 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_2"> EURO STOXX 50 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup></a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 90 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_0d8395aa-efa1-455f-99fa-6241c164bbdb_1"> Appendix B &#8211; Daily Adjustment </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;width:3.90%;"> 92 </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_d29a829e-ba5b-416b-b40f-4332e00ca386_1"> Appendix C &#8211; Annual Contract Fees Calculation Examples </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 94 </td>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_5227afed-b548-48b1-a161-007d500c5471_1"> Appendix D &#8211; Unaudited Selected Financial Data and Statutory Financial Statements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 95 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_5227afed-b548-48b1-a161-007d500c5471_1"> Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations (For the 9 Month Period Ending September 30, 2021) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 95 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_5227afed-b548-48b1-a161-007d500c5471_1"> Unaudited Statutory Financial Statements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 95 </td>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1"> Appendix E &#8211; Selected Financial Data and Statutory Financial Statements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 96 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1"> Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ended December 31, 2020) </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 96 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1"> Statutory Financial Statements </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 96 </td>
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                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;" colspan="2">
                      <div style="float:left;"><a href="#xx_4870e812-506e-4813-9406-3749faf0edab_1"> For Service or More Information </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;"> 97 </td>
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                  <tr style="page-break-inside:avoid;">
                    <td style="line-height:10pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;"> &#160; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:87.13%;">
                      <div style="float:left;"><a href="#xx_4870e812-506e-4813-9406-3749faf0edab_1"> Our Service Center </a></div>
                      <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;"> </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:3.90%;"> 97 </td>
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              </table>
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        <div style="clear:both;">&#160;
          <div style="clear:both;padding-top:328pt;width:100%;" type="Block">
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                Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;5&#160;</div>
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      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
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      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_edbe7069-833c-4d96-826e-f4dbf1498250_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
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        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Glossary</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">This prospectus is written in plain English. However, there are
            some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Accumulation Phase<font style="font-weight:Normal;"> &#8211; the first
              phase of your Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allocation Options<font style="font-weight:Normal;"> &#8211; the Variable
              Options and Index Options available to you under the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuitant<font style="font-weight:Normal;"> &#8211; the individual upon
              whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are restrictions on who can become an Annuitant.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuity Date<font style="font-weight:Normal;"> &#8211; the date we begin
              making Annuity Payments to the Payee from the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuity Options<font style="font-weight:Normal;"> &#8211; the annuity
              income options available to you under the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuity Payments<font style="font-weight:Normal;"> &#8211; payments made
              by us to the Payee pursuant to the chosen Annuity Option.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuity Phase<font style="font-weight:Normal;"> &#8211; the phase the
              Contract is in once Annuity Payments begin.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Beneficiary<font style="font-weight:Normal;"> &#8211; the person(s) or
              entity the Owner designates to receive any death benefit, unless otherwise required by the Contract or applicable law.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Buffer <font style="font-weight:Normal;">
                &#8211; for each Index Option, this is the negative Index Return that we absorb 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="text-decoration:underline;"> not </font><font style="font-weight:Normal;"> apply the Buffer annually on a 3-year or </font><font style="font-weight:Normal;"> 6-year Term Index Option. On the Issue Date we establish a
                Buffer for each Index Option. However, if after the Issue Date we add a new Index Option, we establish the Buffer for it on the date we add the Index Option to your Contract. Buffers are stated in your Contract and do not change once they
                are established. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Business Day <font style="font-weight:Normal;"> &#8211; each day
                on which the New York Stock Exchange is open for trading. Allianz Life of New York is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular trading on the New York Stock Exchange closes,
                which is usually at 4:00 p.m. Eastern Time. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Cap <font style="font-weight:Normal;"> &#8211; for any Index
                Option, this is the upper limit on positive Index performance after application of any Participation Rate over the duration of a Term (which can be either one, </font><font style="font-weight:Normal;"> three, or six years) and the
                maximum potential Performance Credit for an Index Option. We do </font><font style="text-decoration:underline;"> not </font><font style="font-weight:Normal;"> apply the Cap annually on a 3-year or </font><font style="font-weight:Normal;"> 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="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Charge Base <font style="font-weight:Normal;"> &#8211; the
                Contract Value on the preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract Anniversary), increased by the dollar amount of subsequent Purchase
                Payments, and reduced proportionately for subsequent withdrawals you take (including any withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take reduce the Charge Base, even Penalty-Free
                Withdrawals. We use the Charge Base to determine the next product fee we deduct. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Contract <font style="font-weight:Normal;"> &#8211; the
                individual flexible purchase payment index-linked and variable deferred annuity contract described by this prospectus. The Contract may also be referred to as a registered index-linked annuity. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Contract Anniversary<font style="font-weight:Normal;"> &#8211; a
              twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Contract Value <font style="font-weight:Normal;"> &#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> A negative Performance Credit means that you can
              lose principal and previous earnings. <font style="font-weight:Normal;"> The Index Option Values also reflect the Daily Adjustment on every Business Day other than the Term Start Date or Term End Date. All withdrawals you take reduce
                Contract Value dollar for dollar, </font><font style="font-weight:Normal;"> even Penalty-Free Withdrawals. Contract Value is also reduced dollar for dollar for deductions we make for Contract fees and expenses. However, Contract Value
                does not reflect future fees and expenses we would apply on liquidation. The cash surrender value reflects all Contract fees and expenses we would apply on liquidation. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Contract Year<font style="font-weight:Normal;"> &#8211; any period of
              twelve months beginning on the Issue Date or a subsequent Contract Anniversary.</font></div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;6&#160;</div>
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      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
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      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_edbe7069-833c-4d96-826e-f4dbf1498250_2"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Crediting Method<font style="font-weight:Normal;"> &#8211; a method we
              use to calculate annual Performance Credits if you allocate Purchase Payments or transfer Contract Value to an Index Option.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Daily Adjustment <font style="font-weight:Normal;"> &#8211; how we calculate Index Option Values on days other than the Term Start Date or Term End Date as discussed in the Summary &#8211; What is the Daily Adjustment?; section 5, 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></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Determining Life (Lives)<font style="font-weight:Normal;"> &#8211; the
              person(s) designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Financial Professional<font style="font-weight:Normal;"> &#8211; the
              person who advises you regarding the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Good Order<font style="font-weight:Normal;"> &#8211; a request is in
              &#8220;Good Order&#8221; if it contains all of the information we require to process the request. If we require information to be provided in writing, &#8220;Good Order&#8221; also includes providing information on the correct form, with any required certifications,
              guarantees and/or signatures, and received at our Service Center after delivery to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about the information we require, or
              whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number that includes the date and time we
              received your information.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Guaranteed Death Benefit Value <font style="font-weight:Normal;"> &#8211; the guaranteed value that is available to your Beneficiary(s) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death Benefit Value is total Purchase Payments reduced
                proportionately for withdrawals you take (including any withdrawal charge). All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals. However, we do not reduce the Guaranteed Death Benefit Value for
                deductions we make for Contract fees and expenses. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Index (Indexes) <font style="font-weight:Normal;"> &#8211; one
                (or more) of the nationally recognized third-party broad based equity securities price return Indexes available to you under your Contract </font><font style="font-weight:Normal;"> as described in Appendix A. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Index Anniversary<font style="font-weight:Normal;"> &#8211; a
              twelve-month anniversary of the Index Effective Date or any subsequent Index Anniversary.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Index Effective Date<font style="font-weight:Normal;"> &#8211; the first
              day we allocate assets to an Index Option. The Index Effective Date is stated on the Index Options Statement and starts the first Index Year. When you purchase this Contract you select the Index Effective Date as discussed in section 3,
              Purchasing the Contract &#8211; Allocation of Purchase Payments and Contract Value Transfers.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Index Option <font style="font-weight:Normal;"> &#8211; the index-linked investment options to which you can allocate Purchase Payments or transfer Contract Value. Each Index Option is the combination of an Index, </font><font style="font-weight:Normal;"> a
                Crediting Method, and a Term. For the Index Performance Strategy 3-year and 6-year Term Index Options, the Buffer. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Index Option Base <font style="font-weight:Normal;"> &#8211; an
                amount we use to calculate Performance Credits and the Daily Adjustment. The Index Option Base is initially equal to the amounts you allocate to an Index Option. </font><font style="font-weight:Normal;"> We reduce the Index Option
                Base proportionately for withdrawals you take (including any withdrawal charge), and deductions we make for Contract fees and expenses; we increase/decrease it by the dollar of additional Purchase Payments allocated to, and transfers into
                or out of the Index Option; and we increase/decrease it for any Performance Credits. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Index Option Value <font style="font-weight:Normal;"> &#8211; on
                any Business Day, it is equal to the portion of your Contract Value in a particular Index Option. We establish an Index Option Value for each Index Option you select. Each Index Option Value includes any Performance Credits from previous
                Term End Dates and reflects proportional reductions for previous partial withdrawals you take </font><font style="font-weight:Normal;"> (including any withdrawal charge), and previous deductions we made for Contract fees and expenses.
                On each Business Day, </font><font style="font-weight:Normal;"> other than the Term Start Date or Term End Date, the Index Option Values also include an increase/decrease by the Daily Adjustment. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Index Options Statement <font style="font-weight:Normal;">
                &#8211; the account statement we mail to you on the Index Effective Date and each Index Anniversary thereafter. On the Index Effective Date, the statement shows the initial Index Values, Caps 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 Buffers for your selected Index Option(s). For any 3-year or </font><font style="font-weight:Normal;"> 6-year Term 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>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;7&#160;</div>
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      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_edbe7069-833c-4d96-826e-f4dbf1498250_3"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Index Performance Strategy <font style="font-weight:Normal;"> &#8211; one of the Crediting Methods described in the Summary; and in section 5, Valuing Your Contract &#8211; Calculating Credits. 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 Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and
                previous earnings. The Index Performance Strategy provides the highest potential returns. Its Caps will generally be greater than the Index Protection NY Strategy Caps. The Index Performance Strategy is more sensitive to large negative
                market movements because small negative market movements are absorbed by the Buffer. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Index Protection NY Strategy<font style="font-weight:Normal;"> &#8211;
              one of the Crediting Methods described in the Summary; and in section 5, Valuing Your Contract &#8211; Calculating Credits. The Index Protection NY Strategy calculates Performance Credits based on Index Returns subject to a Cap and Buffer. You can
              receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. The Index Protection NY Strategy provides more protection than the Index Performance Strategy. It generally has higher
              Buffers in exchange for lower Caps.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Index Return <font style="font-weight:Normal;"> &#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 for any Index Option. The Index Return is the Index Value </font><font style="font-weight:Normal;"> on the Term End </font><font style="font-weight:Normal;"> Date, minus the Index Value on the Term Start Date, </font><font style="font-weight:Normal;"> divided by the Index Value on the Term Start
                Date. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Index Value <font style="font-weight:Normal;"> &#8211; an
                Index&#8217;s closing market price at the end of the Business Day on the Term Start Date and Term End Date as provided by Bloomberg or another market source if Bloomberg is not available. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Index Year<font style="font-weight:Normal;"> &#8211; a twelve-month
              period beginning on the Index Effective Date or a subsequent Index Anniversary.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Issue Date<font style="font-weight:Normal;"> &#8211; the date we issue
              the Contract. The Issue Date is stated in your Contract and starts your first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Joint Owners<font style="font-weight:Normal;"> &#8211; the two person(s)
              designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Lock Date <font style="font-weight:Normal;"> &#8211; this is the Business Day we execute a Performance Lock and capture an Index Option Value (which </font><font style="text-decoration:underline;"> includes </font><font style="font-weight:Normal;">
                the Daily Adjustment) before the Term End Date. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Non-Qualified Contract<font style="font-weight:Normal;"> &#8211; a
              Contract that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Owner<font style="font-weight:Normal;"> &#8211; &#8220;you,&#8221; &#8220;your&#8221; and
              &#8220;yours.&#8221; The person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Participation Rate <font style="font-weight:Normal;"> &#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="text-decoration:underline;"> not </font><font style="font-weight:Normal;"> apply the Participation Rate if the Index Return is zero or negative. We do </font><font style="text-decoration:underline;"> not </font><font style="font-weight:Normal;"> 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="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Payee<font style="font-weight:Normal;"> &#8211; the person or entity who
              receives Annuity Payments during the Annuity Phase.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Penalty-Free Withdrawals <font style="font-weight:Normal;"> &#8211; withdrawals you take that are not subject to a withdrawal charge. Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and RMD
                payments you take under our minimum distribution program. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Performance Credit <font style="font-weight:Normal;"> &#8211;
                the return you receive on a Term End Date when you allocate assets to an Index Option. We base Performance Credits on Index Values and Index Returns after application of any Participation Rate as limited by the Buffer or Cap. Performance
                Credits can be negative, </font> which means you can lose principal and previous earnings. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Performance Lock<font style="font-weight:Normal;"> &#8211; a feature that
              allows you to capture the current Index Option Value during the 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 Index Option Value will not receive a Performance Credit on the Term End Date.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Proxy Investment <font style="font-weight:Normal;"> &#8211; provides a current estimate of what the Performance Credit will be on the Term End Date taking into account any applicable Buffer, </font><font style="font-weight:Normal;"> Cap, </font><font style="font-weight:Normal;"> 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>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;8&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_edbe7069-833c-4d96-826e-f4dbf1498250_4"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Proxy Value<font style="font-weight:Normal;"> &#8211; the hypothetical
              value of the Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Purchase Payment<font style="font-weight:Normal;"> &#8211; the money you
              put into the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Qualified Contract<font style="font-weight:Normal;"> &#8211; a Contract
              purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code (for example, 401(a) and 401(k) plans), Individual Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred to as TSA
              contracts). Currently, we issue Qualified Contracts that may include, but are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs. We may also issue an Inherited IRA and Inherited Roth IRA to make any
              required minimum distribution payments to a beneficiary of a previously held tax-qualified arrangement.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Quarterly Contract Anniversary<font style="font-weight:Normal;"> &#8211;
              the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Separate Account<font style="font-weight:Normal;"> &#8211; Allianz Life
              of NY Variable Account C is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life of New York. The Separate Account holds the Variable Options that underlie the
              Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option. The Separate Account is registered with the SEC as a unit investment trust, and may be referred to as the Registered
              Separate Account.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Service Center<font style="font-weight:Normal;"> &#8211; the area of our
              company that issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of this prospectus. The address for mailing applications and/or checks for
              Purchase Payments may be different and is also listed at the back of this prospectus.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Term <font style="font-weight:Normal;"> &#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></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Term End Date &#8211; <font style="font-weight:Normal;"> 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="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Term Start Date &#8211; <font style="font-weight:Normal;"> 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></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Traditional Death Benefit<font style="font-weight:Normal;"> &#8211; the
              guaranteed death benefit automatically provided by the Contract for no additional fee described in the Summary and section 9.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Valid Claim<font style="font-weight:Normal;"> &#8211; the documents we
              require to be received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any required governmental forms. Due proof of death includes a certified copy of
              the death certificate, a decree of court of competent jurisdiction as to the finding of death, or any other proof satisfactory to us.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Variable Account Value <font style="font-weight:Normal;"> &#8211; on any Business Day it is equal to the portion of your Contract Value in your selected Variable Options. The Variable Account Value increases and decreases based on your selected Variable Options&#8217; performance
                and reflects deduction of the Variable Option operating expenses, and previous deductions we made </font><font style="font-weight:Normal;"> for Contract fees </font><font style="font-weight:Normal;"> and expenses. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Variable Options<font style="font-weight:Normal;"> &#8211; the variable
              investments available to you under the Contract. Variable Option performance is based on the securities in which they invest.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Withdrawal Charge Basis<font style="font-weight:Normal;"> &#8211; the
              total amount under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses &#8211; Withdrawal Charge.</font></div>
        </div>
        <div style="margin-top:109pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;9&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Summary</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York is a product that offers index-linked and variable investment options and allows you to defer taking regular fixed periodic payments <font style="font-weight:bold;">(Annuity Payments)</font> to a future date. During the first phase of your Contract <font style="font-weight:bold;">(Accumulation Phase)</font> your Contract Value fluctuates based on the performance of your
            selected Allocation Options and the deduction of Contract fees and expenses. During this phase you can make additional Purchase Payments and take withdrawals, and if you die we pay a death benefit to the person(s) you designate <font style="font-weight:bold;">(Beneficiary(s))</font>. If you request Annuity Payments, the Accumulation Phase of your Contract ends and the <font style="font-weight:bold;">Annuity Phase</font> begins. Annuity Payments are fixed payments we make
            based on the Annuity Option you select and your Contract Value.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;" id="zfe1a52ba160a4d5fb7d89abd8578763a">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;" colspan="2"> Purchasing a Contract: Key Features at a Glance </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Issue Age <br>
                    <font style="font-weight:Normal;"> (see section 3) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> On the date we issue the Contract <font style="font-weight:bold;"> (the Issue Date) </font> , all Owners and the Annuitant must be age 80 or
                      younger. <br>
                    The <font style="font-weight:bold;"> Owner </font> is the person or entity designated at issue who may exercise all Contract rights. The <font style="font-weight:bold;"> Annuitant </font> is the individual
                      upon whose life we base Annuity Payments. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Purchase Payment Standards <br>
                    <font style="font-weight:Normal;"> (see section 3) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> &#8226;&#8194;$10,000 minimum initial Purchase Payment due on the Issue Date. <br>
                     &#8226;&#8194;You can make additional Purchase Payments of at least $50 during the Accumulation Phase. <br>
                     &#8226;&#8194;$1 million maximum in total Purchase Payments. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Allocation of Purchase Payments and Contract Value Transfers <br>
                    <font style="font-weight:Normal;"> (see section 3 and Risk Factors &#8211; Changes to Caps, Participation Rates, and Buffers and Temporary Unavailability of Index Options) </font> </td>
                  <td style="border-bottom:0.5pt Solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> You can allocate your Purchase Payments to any or all of the Allocation 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. <br>
                     &#8226;&#8194;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 your selected Index Options according to your instructions. For additional Purchase
                      Payments we receive after the Index Effective Date, we transfer the amounts held in the AZL Government Money Market Fund to your selected Index Options on the next Index Anniversary. <br>
                     &#8226;&#8194;On each Index Option&#8217;s Term End Date, you can transfer Variable Account Value to the available Index Options, and you can transfer Index Option Value to the Variable Options or among the available Index Options. <br>
                     &#8226;&#8194;With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we cannot support the minimum Cap. If you allocate a Purchase Payment or
                      request to transfer into an Index Option that we later make temporarily unavailable and you do <font style="font-weight:bold;text-decoration:underline;"> not </font> provide us with alternate instructions before the end
                      of the Business Day on the Term Start Date the Index Option becomes unavailable, we will transfer the assets held in or destined for a temporarily unavailable Index Option to the AZL Government Money Market Fund and these assets will
                      remain there until we receive alternate instructions. <font style="font-style:italic;font-weight:bold;"> These assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an
                        Index Option becomes temporarily unavailable. <br>
                    </font> &#8226;&#8194; <font style="font-weight:bold;"> We do not allow assets to move into an established 3-year or </font><font style="font-weight:bold;"> 6-year Term Index Option until the Term End Date. <br>
                    </font> &#8226;&#8194;Purchase Payments you allocate to an Index Option must be held in the Index Option for the full Term before they can receive a Performance Credit. <font style="font-style:italic;font-weight:bold;"> Therefore,
                        additional Purchase Payments we receive after the Index Effective Date that you allocate to a 1-year Term Index Option are not eligible to receive a Performance Credit until the second Index Anniversary after we receive them, or the
                        fourth Index Anniversary </font><font style="font-style:italic;font-weight:bold;"> after we receive them for allocations to a 3-year Term Index Option, or the seventh Index Anniversary after we receive them for allocations to
                        a 6-year Term Index Option. </font> </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:100pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;10&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_2"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:99.39%;" id="zd3d752ecee0f44d9a600ab969985dab5">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;" colspan="2"> Purchasing a Contract: Key Features at a Glance </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Daily Adjustment <br>
                    <font style="font-weight:Normal;"> (see &#8220;What is the Daily Adjustment?&#8221; in this Summary and section 5) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:79.23%;"> &#8226;&#8194;We apply a Daily Adjustment if before the Term End Date you take a full or partial withdrawal, or when we deduct Contract
                      fees and expenses. All withdrawals you take are subject to the Daily Adjustment, even Penalty-Free Withdrawals. <br>
                     &#8226;&#8194;The Daily Adjustment takes into account any Index gains subject to the applicable Cap and/or Participation Rate, or any Index losses greater than the Buffer, but in the form of the estimated present value. Therefore, the Daily
                      Adjustment could result in a loss beyond the protection of the Buffer. <br>
                     &#8226;&#8194; <font style="font-weight:bold;"> In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it </font><font style="font-weight:bold;text-decoration:underline;"> cannot </font><font style="font-weight:bold;"> result in a total loss of -100%. </font> <font style="font-style:italic;font-weight:bold;"> Such losses will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a
                        deduction of Contract fees and expenses. </font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Performance Lock <br>
                    <font style="font-weight:Normal;"> (see &#8220;What is the Performance Lock?&#8221; in this Summary and section 5) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> A feature that allows you to capture the current Index Option Value during the Term. If we execute a Performance Lock for an Index Option we do not apply the
                      Daily Adjustment to it for the remainder of the Term and the Index Option Value will not receive a Performance Credit on the Term End Date. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Product Fee <br>
                    <font style="font-weight:Normal;"> (see the Fee Tables and section 6) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> &#8226;&#8194;Product fee is 1.25%. <br>
                     Accrued daily and deducted on each <font style="font-weight:bold;"> Quarterly Contract Anniversary </font> (the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Contract
                      Anniversary). The product fee is calculated as a percentage of the <font style="font-weight:bold;"> Charge Base. </font> The Charge Base is the Contract Value on the preceding Quarterly Contract Anniversary increased by
                      the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take (including any withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take
                      reduce the Charge Base, even Penalty-Free Withdrawals. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Other Contract Fees and Expenses <br>
                    <font style="font-weight:Normal;"> (see the Fee Tables and section 6) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:79.23%;"> &#8226;&#8194;A 7% declining withdrawal charge applies to withdrawals taken within six years after receipt of each Purchase Payment
                      during the Accumulation Phase. <br>
                     &#8226;&#8194;$50 contract maintenance charge assessed annually if the total Contract Value is less than $100,000. <br>
                     &#8226;&#8194;$25 fee per transfer if you make more than twelve transfers between Variable Options in a Contract Year. <br>
                     &#8226;&#8194;Variable Option operating expenses before fee waivers and expense reimbursements of 0.65% to 0.71% of the average daily net assets. <br>
                     A <font style="font-weight:bold;"> Contract Year </font> is any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary. A <font style="font-weight:bold;"> Contract Anniversary </font>
                      is a twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:100%;" colspan="2"> You can withdraw your Contract Value, subject to any applicable withdrawal charge, and federal and state taxation. Withdrawals taken before age 59 <sup style="font-style: italic; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:9pt;"> 2 </font> may also be subject to a 10% additional federal tax. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Free Withdrawal Privilege <br>
                    <font style="font-weight:Normal;"> (see section 7) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> Allows you to withdraw 10% of your total Purchase Payments each Contract Year during the Accumulation Phase without incurring a withdrawal charge. <br>
                     &#8226;&#8194;Any unused free withdrawal privilege in one Contract Year is not added to the amount available in the next Contract Year. <br>
                     &#8226;&#8194;If you withdraw more than the free withdrawal privilege we will assess a withdrawal charge if the withdrawal is taken from a Purchase Payment we received within the last six years. <br>
                     &#8226;&#8194; <font style="font-style:italic;font-weight:bold;"> Not available if you take a full withdrawal of your total Contract Value. </font> If you take a full withdrawal you will be subject to a withdrawal charge on any
                      Purchase Payments that are still within the six-year withdrawal charge period. This may include amounts you previously withdrew under the free withdrawal privilege. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Systematic Withdrawal Program <br>
                    <font style="font-weight:Normal;"> (see section 7) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> Provides automatic withdrawals of at least $100 to you at a frequency you select. These withdrawals: <br>
                     &#8226;&#8194;reduce the amount available under the free withdrawal privilege, and <br>
                     &#8226;&#8194;are subject to a withdrawal charge if you exceed the free withdrawal privilege. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:60pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;11&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_3"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:99.39%;" id="z42e00b1f0fef43e6b7535dee6f22e1e5">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;" colspan="2"> Purchasing a Contract: Key Features at a Glance </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Minimum Distribution Program and Required Minimum Distribution (RMD) Payments <br>
                    <font style="font-weight:Normal;"> (see section 7) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> If you own an Individual Retirement Annuity <font style="font-weight:bold;"> (IRA) </font> , SEP IRA or Inherited IRA Contract, this program
                      provides payments to you designed to meet the Code&#8217;s minimum distribution requirements. These withdrawals: <br>
                     &#8226;&#8194;reduce the amount available under the free withdrawal privilege, but <br>
                     &#8226;&#8194;are <font style="font-weight:bold;text-decoration:underline;"> not </font> subject to a withdrawal charge if you exceed the free withdrawal privilege. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Waiver of Withdrawal Charge Benefit <br>
                    <font style="font-weight:Normal;"> (see section 7) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> This benefit allows you to take a withdrawal without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90
                      consecutive days. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Annuity Payments <br>
                    <font style="font-weight:Normal;"> (see section 8) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> 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. <br>
                     &#8226;&#8194;We offer five Annuity Options that provide payments for life, life and term certain, or life with refund. <br>
                     &#8226;&#8194;We base Annuity Payments on your Contract Value, the Annuity Option you select, and the lifetime and age of the Annuitant(s). <br>
                     &#8226;&#8194;For an individually owned Contract, Annuity Payments can be either single or joint. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Death Benefit <br>
                    <font style="font-weight:Normal;"> (see section 9) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> The Contract automatically includes the Traditional Death Benefit for no additional fee. The death benefit is paid upon the first death of any Determining
                      Life during the Accumulation Phase. <br>
                     &#8226;&#8194;We establish the Determining Lives at Contract issue and they generally do not change unless there is a divorce or you establish a Trust. <br>
                     &#8226;&#8194;The <font style="font-weight:bold;"> Determining Life (or Lives) </font> is either the Owner(s) or the Annuitant if the Owner is a non-individual. If a Determining Life dies during the Accumulation Phase your
                      Beneficiary(s) will receive the greater of the Contract Value, or the Guaranteed Death Benefit Value (total Purchase Payments reduced proportionately for withdrawals you take including any withdrawal charge). <font style="font-style:italic;font-weight:bold;"> All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals. </font> However, we do not reduce the Guaranteed Death Benefit Value for
                      deductions we make for Contract fees and expenses. <font style="font-style:italic;font-weight:bold;"> Deductions for Contract fees and expenses will, </font><font style="font-style:italic;font-weight:bold;"> however,
                        decrease the Contract Value by the dollar amount withdrawn, and because the </font><font style="font-style:italic;font-weight:bold;"> death benefit is based on the greater of Contract Value or the Guaranteed Death Benefit
                        Value, this may </font><font style="font-style:italic;font-weight:bold;"> </font> reduce the death benefit available to your Beneficiaries. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal; font-weight:bold;line-height:13pt;line-height:13pt;padding-left:11.0pt;padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-decoration:none;text-indent:-7pt;text-transform:none; text-transform:none;vertical-align:top;width:100%;" colspan="2"> &#8226;&#8194;Withdrawals you take reduce your Guaranteed Death Benefit Value proportionately, which means this value may be reduced by more than the amount withdrawn. <br>
                     &#8226;&#8194;If you change Owner(s) the death benefit may be reduced to Contract Value. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Customer Service <br>
                    <font style="font-weight:Normal;"> (see the last page of this prospectus) </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;"> 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. Our <font style="font-weight:bold;"> Service Center </font> is the area of our company that issues Contracts and provides
                      Contract maintenance and routine customer service. You can also contact us by: <br>
                     &#8226;&#8194;mail at Allianz Life Insurance Company of New York, P.O. Box 561, <br>
                     Minneapolis, MN 55440-0561, or <br>
                     &#8226;&#8194;email at Contact.Us@allianzlife.com. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Who Should Consider Purchasing the Contract?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We designed the Contract for people who are looking for a level
            of protection for their principal while providing potentially higher returns than are available on traditional fixed annuities. This Contract is not intended for someone who is seeking complete protection from downside risk, nor someone who is
            seeking unlimited investment potential.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We offer other annuity contracts that may address your investment
            and retirement needs. These contracts include variable annuities, registered index-linked annuities and fixed index annuities. These annuity products may offer different features and benefits more appropriate for your needs, including
            allocation options, fees and/or expenses that are different from those in the Contract offered by this prospectus. Not every contract is offered through every Financial Professional. Some Financial Professionals or selling firms may not offer
            and/or limit offering of certain features and benefits, as well as limit the availability of the contracts based on criteria established by the Financial Professional or selling firm. For more information about other annuity contracts, please
            contact your Financial Professional.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;12&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_4"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> For example, these other annuity contracts
              may have different Index Options, and different rates and minimums for the Buffers, Caps, and Participation Rates. Caps and Participation Rates may also be affected, positively or negatively, by expenses we incur in providing other contract
              features. For example, a product that deducts fees and expenses from Index Options may have higher Caps and Participation Rates than a contract that deducts fees and expenses only from Variable Options. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">How Do the Crediting Methods Work?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The <font style="font-weight:bold;">Index Protection NY Strategy</font>
            provides a Performance Credit based on Index Values and Index Return.</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z0a23cc20127b4d9f9990e2f1585fe395">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If the
                    Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="za39bfb4164ec43a581a336b7b7d53e6f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> 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. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z0b6c012149984611869107e10e976703">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If the
                    Index Return is negative and the loss is: </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;" id="zc8ec39488aa1497eac31af1af1f8437f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">less
                    than or equal to the Buffer, the Performance Credit is zero. We absorb any loss up to the Buffer. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;">greater than the Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the Buffer. You participate in any losses beyond the Buffer. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The <font style="font-weight:bold;">Index Performance Strategy</font>
            also provides a Performance Credit based on Index Values and Index Returns.</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="za68648207a084fa3b5b81a12b98c1506">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> If
                      the Index Return is positive, the Performance Credit is equal to: </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="zb224c57285fc4f96bc9f41c40c2a638a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> the
                      Index Return up to the Cap for a 1-year Term. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;"> 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 style="font-weight:bold;text-decoration:underline;"> not </font> apply the Participation Rate and Cap annually on
                      a 3-year or&#160;6-year Term. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z558d4076208f4ccf8de3c6266af604f8">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> 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. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zfe826aefebe54ea39f659e9bcf01190d">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If the
                    Index Return is negative and the loss is: </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="zf36df26ebce84862b8c4add29d181d64">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> less
                      than or equal to the Buffer, the Performance Credit is zero. We absorb any loss up to the Buffer. We apply the Buffer for the entire Term length; we do <font style="font-weight:bold;text-decoration:underline;"> not </font>
                      apply the Buffer annually on a 3-year or 6-year Term Index Option. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="zeed98a49fafd4b118f865f37d90f6c84">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">greater
                    than the Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the Buffer. You participate in any losses beyond the Buffer. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">A more detailed description of how we calculate Credits,
            including numerical examples, is included in section 5, Valuing Your Contract &#8211; Calculating Credits.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zff02eadc1ab84e0d853ffa1a704c3445">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> The Index Protection NY Strategy and Index Performance Strategy allow negative Performance Credits. </font><font style="font-style:italic;font-weight:bold;"> A negative Performance Credit means you
                        can lose principal and previous earnings. These losses could be significant. </font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through
                        some, or most, of the Term. </font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; <font style="font-weight:bold;"> If a 3-year or&#160;6-year Term Index Option is &#8220;uncapped&#8221; 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. </font>
                      On the next Term Start Date we can declare a Cap for the next Term, or declare it to be uncapped. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:131pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;13&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_5"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">How Do the Crediting Methods Compare?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Crediting Methods have different risk and return potentials.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;" id="zd02a10ba70d34773ba59c4c9cd7c597e">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:4pt;text-align:center;vertical-align:bottom;width:10.63%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.35%;"> Index Protection NY Strategy </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:46.01%;"> Index Performance Strategy </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;"> What is the asset protection? </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;"> &#8226;&#8194;Most protection &#8211; generally has higher Buffers than the Index Performance Strategy. <br>
                     &#8226;&#8194;Buffer absorbs a percentage of loss, but you receive a negative Performance Credit for losses greater than the Buffer. <br>
                     &#8226;&#8194;Potential for large losses in any Term. <br>
                     &#8226;&#8194;Impacted by very large negative market movements because small and moderate negative market movements are absorbed by the Buffer. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;"> &#8226;&#8194;Less protection &#8211; generally has lower Buffers than the Index Protection NY Strategy. <br>
                     &#8226;&#8194;Buffers may be different between 1-year, 3-year, and 6-year Terms. Buffers can also be different between Index Options with the same Term length. <br>
                     &#8226;&#8194;Buffer absorbs a percentage of loss, but you receive a negative Performance Credit for losses greater than the Buffer. <br>
                     &#8226;&#8194;Potential for large losses in any Term. <br>
                     &#8226;&#8194;More sensitive to large negative market movements because small negative market movements are absorbed by the Buffer. In a period of extreme negative market performance, the risk of loss is greater with the Index Performance
                      Strategy. <br>
                     &#8226;&#8194;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. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;"> What is the growth opportunity? </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;"> &#8226;&#8194;Less growth opportunity &#8211; generally has lower Caps than the Index Performance Strategy. <br>
                     &#8226;&#8194;Growth opportunity limited by the Caps. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;"> &#8226;&#8194;Most growth opportunity &#8211; generally has higher Caps than the Index Protection NY Strategy. <br>
                     &#8226;&#8194;Growth opportunity limited by the Caps and/or Participation Rates. <font style="font-style:italic;font-weight:bold;"> 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 </font> . <br>
                     &#8226;&#8194;May perform best in a strong market. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;"> What can change within a Crediting Method? </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:11pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;"> &#8226;&#8194;Renewal Caps for existing Contracts can change on each Term Start Date. <br>
                     &#8226;&#8194;With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap. <br>
                     &#8226;&#8194;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. Your actual Buffers cannot change once they are established. <br>
                     &#8226;&#8194;Caps are subject to a 4.25% minimum, and Buffers are subject to a 10% minimum. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;"> &#8226;&#8194;Renewal Caps and/or Participation Rates for existing Contracts can change on each Term Start Date. <br>
                     &#8226;&#8194;With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap. <br>
                     &#8226;&#8194;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. Your actual Buffers cannot change once they are established. <br>
                     &#8226;&#8194;Caps are subject to a 6.25% minimum for 1-year Terms; 18.75% minimum if the Buffer is 10%, or 15.75% if the Buffer is 10% for 3-year Terms; or 37.50% minimum for 6-year Term. Participation Rates are subject to a 100% minimum.
                      Buffers are subject to a 10% minimum. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:123pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;14&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_6"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.99%;" id="zfc8f877a1f9141c2aeb4d76090793efe">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:9pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:13pt;padding-bottom:4pt;padding-left:11.0pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-indent:-7pt;text-transform:none;text-transform:none; vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> You participate in any negative Index Return in excess of the Buffer </font> , which reduces your Contract Value. For example, if we set the Buffer at 10%
                      we would absorb the first -10% of Index Return and you could lose up to 90% of the Index Option Value. <br>
                     &#8226;&#8194;The minimum Buffer is the least amount of protection that you could receive from negative Index Returns for any Index Option. <br>
                     &#8226;&#8194;Caps and Participation Rates as set by us from time-to-time may vary substantially based on market conditions. <font style="font-style:italic;font-weight:bold;"> However, in extreme market environments, it is possible that
                        all Caps and Participation Rates will be reduced to their respective minimums of 4.25%, 6.25%, 15.75%, 18.75%, 37.50%, or 100% as stated above </font> . <br>
                     &#8226;&#8194; <font style="font-style:italic;font-weight:bold;"> Buffers, </font><font style="font-style:italic;font-weight:bold;"> Caps, and Participation Rates can be different from Index Option to Index Option </font> . For
                      example, Caps for the Index Performance Strategy 1-year Terms can be different between the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index and the
                      Nasdaq-100 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index, and Caps for the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index can be different between 1-year and 3-year Terms on the Index Performance Strategy, and between the 1-year Terms for Index
                      Protection NY Strategy and Index Performance Strategy. <font style="font-style:italic;font-weight:bold;"> They may also be different from Contract-to-Contract depending on Index Effective Date </font> . </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Bar Chart Examples of the Crediting Methods Performance</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The following hypothetical examples show
              conceptually how the Crediting Methods might work in different market environments and assume no change in the hypothetical Caps and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any
              Buffers, 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 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York. Although an Index or Indexes will affect your Index Option Values, the Index Options do not directly participate in any stock or
              equity investment and are not a direct investment in an Index. The Index Values do not include the dividends paid on the stocks comprising an Index. An allocation to an Index Option is not a purchase of shares of any stock or index fund.
              These examples do not reflect any withdrawals taken before the Term End Date, or deductions we make for Contract fees and expenses. </div>
        </div>
        <div style="margin-top:405pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;15&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_7"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> [To be updated upon amendment] </div>
          <div style="margin-top: 9pt; width: 488pt;"> <img src="img48b381321.jpg" alt=" "> </div>
          <div style="margin-top: 12pt; width: 484pt;"> <img src="imgc728dbd82.jpg" alt=" "> </div>
        </div>
        <div style="margin-top:42pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;16&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_8"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Can the Crediting Methods, Terms, or Indexes
              Change? </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We can add new Crediting Methods, Terms, and Indexes to your
              Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the next Index Anniversary after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or
              change how it calculates Performance Credits. If we add a new Index Option to your Contract, we cannot change its Buffer after it is established. However, we can change the renewal Caps and/or Participation Rates associated with any Index
              Option on each Term Start Date. With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap. For more
              information, including the list of Index Options we <font style="font-weight:bold;"> cannot </font> make temporarily unavailable, see Risk Factors &#8211; Changes to Caps, Participation Rates, and Buffers and Temporary Unavailability
              of Index Options and section 3, Purchasing the Contract &#8211; Allocation of Purchase Payments and Contract Value Transfers. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Once we add an Index to your Contract, we cannot remove it
              without simultaneously replacing or substituting it. Index replacements and substitutions can occur either on a Term Start Date, Term End Date, or during a Term. If we substitute an Index during a Term, we will combine the return of the
              previously available substituted Index with the return of the new Index. However, if we substitute an Index, we do <font style="font-weight:bold;text-decoration:underline;"> not </font> change the Buffers applicable to your
              Contract, or the current Caps and/or Participation Rates that we set on the Term Start Date. Any changes to the Caps and/or Participation Rates for the new substituted Index will occur at the next regularly scheduled Term Start Date. For more
              information, see Risk Factors &#8211; Substitution of an Index. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">When Does Allianz Establish the Values Used to Determine Index
            Credits?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We establish the Buffers for your Contract on the Issue Date.
            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. Your actual Buffers are stated in your Contract and cannot change once they are
            established.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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 style="font-weight:bold;"> You should be aware that, generally, 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 www.allianzlife.com/indexratesny and cannot be superseded until that period ends. Therefore, if you select an Index
                Effective Date that is after the end of the free look period, you will bear the risk that initial Caps and Participation Rates may change and be less advantageous to you and that you will be subject to the withdrawal charge, contract
                maintenance charge, and product fee if you then elect to cancel the Contract on or before the Index Effective Date, but after the free look period. You may review future rates at least seven calendar days before their effectiveness at
                www.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. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We can change the renewal Caps and Participation Rates for an
              existing Contract on each new Term Start Date, in our discretion. Your initial and renewal Caps and Participation Rates are stated in your <font style="font-weight:bold;"> Index Options Statement </font> , which is the account
              statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Term Start Date and Term End Date. We use these Index Values to determine Index Returns and
              Performance Credits. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> For information on the Buffers, and initial Caps and
              Participation Rates we currently offer for newly issued Contracts, see our website at www.allianzlife.com/indexratesny, or call (800) 624-0197. <font style="font-weight:bold;"> We publish any changes to these values at least seven
                calendar days before the Index Effective Date that they take effect. If you select the earliest Index Effective Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you
                choose to defer your Index Effective Date your initial rates may change from the values that were available on your Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations
                and the product still meet your needs. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We will send you a letter at least 30 days before each Index
              Anniversary. This letter advises you that current Caps and Participation Rates are expiring, and that <font style="font-weight:bold;"> renewal rates for the next Term Start Date will be available for your review in your account on our
                website at least seven calendar days before they take effect on the upcoming Index Anniversary </font> . Renewal rates are also available on our website at www.allianzlife.com/indexratesny, or call </div>
        </div>
        <div style="margin-top:6pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;17&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_9"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> (800) 624-0197. 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. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z7a976a2a09d94eb7adc687233537eda3">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; If your Contract is within its
                      free look period you may be able to take advantage of any increase in initial Caps and/or Participation Rates by cancelling your Contract and purchasing a new Contract. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; If the initial Caps&#160;and/or
                      Participation Rates available on the Index Effective Date are not acceptable you can: </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; cancel your Contract if you are still within the free look period, </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; on or before the Index Effective Date, cancel the Contract and request a full withdrawal of the money held in the AZL Government Money Market Fund and receive the Contract Value
                      less withdrawal charge, and final product fee and contract maintenance charge; on or before&#160;the Index Effective Date you are&#160; <font style="font-weight:bold;text-decoration:underline;"> not </font> &#160;subject to the Daily
                      Adjustment,&#160; <font style="font-style:italic;font-weight:bold;"> but you are subject to a withdrawal charge </font> , or </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; after the Index Effective Date, cancel the Contract and request a full withdrawal of the Contract Value less withdrawal charge, and final product fee and contract maintenance
                      charge; <font style="font-style:italic;font-weight:bold;"> after the Index Effective Date, you will be subject to&#160;a withdrawal charge and the&#160; </font> Daily Adjustment. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Caps and Participation Rates
                      may be different between newly issued and existing Contracts, and between existing Contracts issued on the same month and day in different years. For example, assume that in January 2017 we set Caps for the Index Performance Strategy
                      1-year Term with the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index as follows: </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; 13% initial rate for new Contracts issued in 2023, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; 14% renewal rate for existing Contracts issued in 2022, and </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; 12% renewal rate for existing Contracts issued in 2021. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">What Are the Different Values Within the Contract?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Contract provides the following values as discussed in
            section 5, Valuing Your Contract.</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zc5ae3790dce9411584c30936f9b771d5">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> The
                      Contract Value is the sum of your Variable Account Value and Index Option Values. Contract Value reflects any previously deducted Contract fees and expenses, but does not reflect Contract fees and expenses that we would apply on
                      liquidation. The cash surrender value reflects&#160;all Contract fees and expenses we would apply on liquidation. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="za5d6723ebe7240b4be05fb179c263400">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Your
                    Variable Account Value is the sum of the values in your selected Variable Options. It reflects deduction of Variable Option operating expenses, any previously assessed transfer fee, contract maintenance charge, product fee, and
                    any&#160;withdrawal charge. It changes each Business Day based on the performance of the Variable Options. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z937dac8ce3ea4d3fb7e0b83cf72102ed">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Your
                      total Index Option Value is the sum of the values in each of your selected Index Options. Each Index Option Value includes any Performance Credits from previous Term End Dates, reduced for previous partial withdrawals you took
                      (including any withdrawal charges), and previous deductions we made for Contract fees and expenses. Amounts removed from the Index Options during the Term for withdrawals you take and deductions we make for fees and expenses <font style="font-weight:bold;text-decoration:underline;"> do not </font> receive a Performance Credit on the Term End Date, but the amount remaining does receive a Performance Credit subject to the applicable Buffer, Cap, and/or
                      Participation Rate. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="zb5df1ee9ad894c28960d9c6a866b5de1">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> On
                      each Business Day during the Term other than the Term Start Date or Term End Date, we calculate the current Index Option Value by adding a Daily Adjustment to the Index Option Base. The <font style="font-weight:bold;"> Index
                        Option Base </font> is the amount you allocate to an Index Option. We reduce the Index Option Base proportionately for withdrawals you take (including any withdrawal charges), and deductions we make for Contract fees and
                      expenses; we increase/decrease it by the dollar amount of additional Purchase Payments allocated to, and transfers into or out of the Index Option; and we increase/decrease it for any Performance Credit. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">What Is the Daily Adjustment?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The Daily Adjustment is how we calculate
              Index Option Values on Business Days other than the Term Start Date or Term End Date . <font style="font-style:italic;font-weight:bold;"> The Variable Options are not subject to the Daily Adjustment. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The Daily Adjustment can affect the amounts available for
              withdrawal, annuitization, payment of the death benefit, and the Contract Value used to determine the Charge Base and contract maintenance charge. The Daily Adjustment can be positive or negative. When the Daily Adjustment is positive, your
              Index Option Value has increased since the 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). </div>
        </div>
        <div style="margin-top:14pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;18&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_10"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We calculate the Daily Adjustment for a
              given Business Day before we deduct any Contract fees or expenses or process any partial withdrawal on that Business Day, including Penalty-Free Withdrawals. However, the Daily Adjustment calculation is not affected by any Contract fee or
              expense deduction, or partial withdrawal. The Daily Adjustment does not change the Contract fee or expense deducted, or the withdrawal amount; it only changes the Index Option Value from which we deduct the Contract fee or expense, or
              withdrawal. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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: </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;" id="z295444f8f4d742789db7d49094936bae">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;"> (i) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;"> any
                      Index gains during the Term subject to the applicable Cap and/or Participation Rate, </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;" id="zaa626fadcb784b1c92042a1e8f12663e">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(ii) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">any
                    Index losses greater than the Buffer, and </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;" id="zd158b192398c4aeebf28841032774242">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;"> (iii) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;"> the
                      number of days until the Term End Date. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The Daily Adjustment does this by using the hypothetical value
              of a Proxy Investment <font style="font-weight:bold;"> (Proxy Value) </font> each Business Day, other than the Term Start Date or Term End Date, based on the formulas described in Appendix B. The <font style="font-weight:bold;"> Proxy Investment </font> provides a current estimated present value of what the Performance Credit will be on the 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 style="font-weight:bold;"> In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it cannot result in a total loss of -100%. </font><font style="font-weight:bold;"> </font><font style="font-style:italic;font-weight:bold;"> Such losses will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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, even though a negative Index return may be within the
              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 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%. <font style="font-style:italic;font-weight:bold;"> A negative Daily Adjustment may cause you to realize loss of principal or previous earnings. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Daily Adjustment&#8217;s risks are discussed in more detail in Risk
            Factors &#8211; Risk of Negative Returns. The specific details of the Daily Adjustment formula are described in Appendix B and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This
            information is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at www.allianzlife.com/new-york.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">What is the Performance Lock?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> You can capture the current Index Option
              Value (which includes the Daily Adjustment) on any Business Day during the Term through our Performance Lock feature. You (or your Financial Professional, if authorized) can request Performance Locks based on the Daily Adjustment. On our
              website the Daily Adjustment is included in the Index Option Value return figures. Additionally, you can transfer assets out of a 3-year or 6-year Term Index Option before the Term End Date by executing a Performance Lock on or before the
              second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. The Business Day that we execute a Performance Lock is the <font style="font-weight:bold;"> Lock Date </font> for that Index
              Option. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zbb4359d89dd5488581c5989723b7bfd6">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you
                    exercise a Performance Lock at a sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:28pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;19&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_11"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Risk Factors</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The Contract involves certain risks that you should understand
            before purchasing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the
            Allocation Options you choose.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Liquidity Risks</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We designed the Contract to be a long-term investment that you
            can use to help build and provide income for retirement. The Contract is not suitable for short-term investment.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If you need to take a full or partial
              withdrawal during the withdrawal charge period, 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 may exceed the Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. (For more information on the withdrawal charge, see
              the Fee Tables and section 6, Expenses &#8211; Withdrawal Charge.) </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We calculate the withdrawal charge as a percentage of your
              Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be greater than the
              withdrawal charge percentage. For example, assume you buy the Contract with a single Purchase Payment of $1,000. If your Contract Value in the 5th year is $800 and you take a full withdrawal a 3% withdrawal charge applies. The total
              withdrawal charge would be $30 (3% of $1,000). This results in you receiving $770. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> In addition, upon a full withdrawal the free withdrawal
              privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within their withdrawal charge period. <font style="font-weight:bold;"> On a full withdrawal your Withdrawal Charge Basis may
                be greater than your Contract Value because the following reduce your Contract Value, but do not reduce your Withdrawal Charge Basis: deductions we make for Contract fees or expenses; and/or poor performance. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Amounts withdrawn from this Contract may also be subject to a 10%
            additional federal tax if taken before age 59<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#160;1</sup>&#8260;<font style="font-size:6pt;line-height:9pt;">2</font>.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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. Any assets removed from an Index Option during the Term for withdrawals you take
              (including Penalty-Free Withdrawals), 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 and Index Return that would have been available on the Term End Date, or the full benefit of the Buffer. You will receive a Performance Credit only on the Index Option Value remaining in an
              Index Option on the Term End Date. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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 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. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Risks of Investing in Securities</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Returns on securities and securities Indexes can vary
            substantially, which may result in investment losses. The historical performance of the available Allocation Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Trading
            prices of the securities underlying the Allocation Options are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets generally and
            markets on which the underlying securities are traded and these factors can influence the performance of the underlying securities.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you allocate Purchase Payments or transfer Contract Value to
            an Index Option, your returns depend on the performance of an Index although you are not directly invested in the Index. Because the S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
            Index, Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index, Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index and
            EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market
            risk, or the risk that market fluctuations may cause the value of the</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;20&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_12"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">component securities to go up or down, sometimes rapidly and unpredictably. In
            addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<font style="font-weight:Normal;">. The S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
              Index is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges, and also may not be able to attain the high
              growth rate of successful smaller companies.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<font style="font-weight:Normal;">. The Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
              Index is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<font style="font-weight:Normal;">. The Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
              Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry. To the extent that the Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is comprised of securities issued by companies in a particular sector, that company&#8217;s securities may not perform as well as companies in
              other sectors or the market as a whole. Also, any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility;
              changing currency exchange rates; and greater political, regulatory, and economic uncertainty).</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup><font style="font-weight:Normal;">. EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> is
              comprised of the equity securities of large-capitalization companies in the Eurozone. The securities comprising EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> are subject to the
              risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty), and are significantly affected by the European markets and
              actions of the European Union.</font></div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zada47ab3282b4297bcfd5caa7d8ae4fc">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> The COVID-19 pandemic has at times led to significant volatility and negative returns in the financial markets. These market conditions have impacted the
                      performance of the Indexes to which the Index Options are linked, as well as securities held by the Variable Options. If these market conditions continue or reoccur, and depending on your individual circumstances ( <font style="font-style:italic;"> e.g. </font> , your selected Allocation Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. The
                      COVID-19 pandemic and other market factors have resulted in an abnormally low interest rate environment, in which certain rates have gone negative. This low level of rates can affect the returns of an Index, the level of Caps and
                      Participation Rates, and other product features, and the performance of your Contract. The duration of the COVID-19 pandemic, and the future impact that the pandemic may have on the financial markets and global economy, cannot be
                      foreseen. You should consult with a Financial Professional about how the COVID-19 pandemic and the recent market conditions may impact your future investment decisions related to the Contract, such as purchasing the Contract or making
                      Purchase Payments, transfers, or withdrawals, based on your individual circumstances. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Risk of Negative Returns</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Variable Options do not provide any protection against
            negative returns. <font style="font-style:italic;font-weight:bold;">You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Variable Options and such losses could be significant.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If you allocate Purchase Payments or
              transfer Contract Value to an Index Option, negative Index Returns may cause Performance Credits to be negative after application of the 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. <font style="font-style:italic;font-weight:bold;"> You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options, and such losses could be significant. </font><font style="font-weight:bold;"> The maximum potential negative Performance Credit is based on the Buffer. If the Buffer is 10% the maximum negative Performance Credit is &#8209;90%, 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="font-weight:bold;"> </font><font style="font-style:italic;font-weight:bold;"> Such losses will be greater if you take a withdrawal
                that is subject to a withdrawal charge, or when we make deductions for Contract fees and expenses. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> If you select an Index Option, we calculate Index Option
              Values on each Business Day during a Term (other than the Term Start Date or Term End Date) by adding the Daily Adjustment. The Daily Adjustment affects the total Contract Value available for withdrawal, annuitization, and death benefits, and
              it affects how we determine the contract maintenance charge and Charge Base for the product fee. The Daily Adjustment can be less than the Cap even if the 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, </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;21&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_13"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">the Daily Adjustment may be negative due to changes in Proxy Value inputs, such as
            volatility, dividend yield, and interest rate. The Daily Adjustment is generally negatively affected by:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zc5c056d3a04a4b7b90994d57fe6df308">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">interest
                    rate decreases, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">dividend
                    rate increases, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">poor market performance, and </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z0ea94cbd7443443693c11f73b2b9d578">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the
                      expected volatility of Index prices. Increases in the expected volatility of Index prices negatively affect the Index Protection NY Strategy and Index Performance Strategy with 1-year Terms. For the Index Performance Strategy with
                      3-year and 6-year Terms, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and Participation Rates. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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. 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 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. 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%. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> If you take a withdrawal from an Index Option before the Term
              End Date, <font style="font-weight:bold;"> you could lose principal and previous earnings because of the Daily Adjustment </font><font style="font-style:italic;font-weight:bold;"> even if Index performance is positive on that
                day or has been positive since the Term Start Date </font><font style="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 Buffer. In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it cannot result in a total loss of -100%. </font><font style="font-weight:bold;"> </font><font style="font-style:italic;font-weight:bold;"> Such losses will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses. </font></div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Risks Associated with Calculation of Performance Credits</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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 style="font-weight:bold;text-decoration:underline;"> not </font> apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Index Options do not directly participate in the returns of
            the Indexes or the Indexes&#8217; component securities, and do not receive any dividends payable on these securities. Index returns would be higher if they included the dividends from the component securities. The past ten years of actual average of
            the annual Index returns without and with dividends would have been as follows:</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;" id="z1b1da743e6244e6987f7793d49a39a64">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:6pt;text-align:center;vertical-align:bottom;width:34.28%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:66.94%;" colspan="7">January 1, 2011 through December 31, 2020 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:bottom;width:34.28%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.78%;">S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.45%;">Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:16.19%;">Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:16.52%;">EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:34.28%;">Returns without dividends </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:16pt;padding-right:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.78%;">12.15% </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:16pt;padding-right:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:15.45%;">20.28% </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:16pt;padding-right:6pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:16.19%;">10.65% </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:16pt;padding-top:2pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:16.52%;">3.22% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:34.28%;">Returns with dividends </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:16pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.78%;">14.45% </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:16pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:15.45%;">21.66% </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:16pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:16.19%;">12.17% </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:16pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:16.52%;">7.09% </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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 Performance Credit you receive. For more information, see the &#8220;Changes to Caps,
              Participation Rates, and Buffers and Temporary Unavailability of Index Options&#8221; discussion later in this section. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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. </div>
        </div>
        <div style="margin-top:52pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;22&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_14"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Risks Associated with Performance Locks</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If a Performance Lock is executed:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z1078fc16d946462f886bedd7a9f0a5c3">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> You
                      will no longer participate in Index performance, positive or negative, for the remainder of the Index Year for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder
                      of the Index Year. An <font style="font-weight:bold;"> Index Year </font> is a twelve-month period beginning on the Index Effective Date or a subsequent Index Anniversary. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> You
                      will not receive a Performance Credit on any locked Index Option on the Term End Date. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> We use the Daily Adjustment calculated at the end of the <font style="font-weight:bold;text-decoration:underline;"> current </font> Business Day on the Lock Date to determine your locked
                      Index Option Value. This means you will not be able to determine in advance your locked Index Option Value, and it may be higher or lower than it was at the point in time you requested a manual Performance Lock, or that your Index
                      Option reached its target for an automatic Performance Lock. Through your account on our website you can request a Performance Lock based on upper and/or lower targets you set using Index Option Value returns. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z19498bc78a684ab48b51c7c3df9ced49">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If a
                    Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index
                    Option was not locked. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you exercise a Performance Lock at a
                    sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Substitution of an Index</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">There is no guarantee that the Indexes will be available during
            the entire time that you own your Contract. If we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits. We may substitute a new
            Index for an existing Index if:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z98f3e0dc165844ccb9e1708263551e18">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the
                    Index is discontinued, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">we are
                    unable to use the Index because, for example, changes to an Index make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index, or </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">the method of calculation of the Index Values changes substantially, resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the
                    types of securities tracked, or the weighting of different categories of securities. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If we add or substitute an Index, we first
              seek any required regulatory approval (from each applicable state insurance regulator) and then provide you with written notice. We also provide you with written notice if an Index changes its name. Substitutions of an Index may occur during
              a Term. If we substitute an Index during a Term we will combine the return of the replaced existing 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: </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zaaff9b8e2c454fc1b340bf5b997f42f7">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> we
                      do <font style="font-weight:bold;text-decoration:underline;"> not </font> change the Charge Base we use to calculate the product fee, and </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zd685566095d44a9fa0088fba8fe24c61">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the
                      Buffers, Caps, and Participation Rates for the replaced Index will apply to the new Index. We do <font style="font-weight:bold;text-decoration:underline;"> not </font> change the Buffers applicable to your Contract, or
                      the current Caps and Participation Rates that we set on the Term Start Date. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Changes to Caps and Participation Rates
              associated with the new Index, if any, may occur at the next regularly scheduled Term Start Date. Depending on the constitution of the replaced Index, the volatility of its investments, and our ability to hedge the Index&#8217;s performance, we may
              determine, in our discretion, to increase or decrease renewal Caps and Participation Rates associated with the new Index. However, we would not implement any change to reflect this difference until the next Term Start Date after the
              substitution. The substitution of an Index during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The selection of a substitution Index is in our discretion;
            however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will replace any equity Index with a broad-based equity index.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: uppercase;"> Changes to Caps, Participation Rates, and
              Buffers and Temporary Unavailability of Index Options </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We establish Buffers, and initial and renewal Caps and
              Participation Rates as indicated under &#8220;When Does Allianz Establish the Values Used to Determine Index Credits?&#8221; in the Summary section. This section also includes information on the notice we provide you of renewal changes on each Index
              Anniversary. </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;23&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_15"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> You should be aware that, generally, 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 www.allianzlife.com/indexratesny and cannot be superseded until that period ends.
              If you select the earliest Index Effective Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you choose to defer your Index Effective Date your initial rates may change
              from the values that were available on the Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. In addition, if you select an Index
              Effective Date that is after the end of the free look period, you will bear the risk that initial Caps and Participation Rates may change and be less advantageous to you and that you will be subject to the withdrawal charge, and final product
              fee and contract maintenance charge if you then elect to cancel the Contract on or before the Index Effective Date, but after the free look period. You may review future rates at least seven calendar days before their effectiveness at
              www.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. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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
              www.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. We may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after
              the sixth Index Anniversary. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> You risk the possibility that the renewal Caps and
              Participation Rates you receive may be less than you would find acceptable, or that we temporarily make an Index Option unavailable. 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. 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 style="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="font-style:italic;font-weight:bold;"> These assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable. </font> When your
              renewal rates change you can either transfer Index Option Value to the Variable Options, or to other available Index Options, or take a full withdrawal (which may be subject to a withdrawal charge). </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Initial and renewal Caps and Participation Rates may vary
              significantly depending upon a variety of factors, including: </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="za6ee8c9af1344c15a12d27a729e4a7eb">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> market
                      volatility, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> our
                      hedging strategies and investment performance, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the
                      availability of hedging instruments, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the
                      amount of money available to us through Contract fees and expenses to purchase hedging instruments, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> your
                      Index Effective Date, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the
                      level of interest rates, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> utilization
                      of Contract benefits by Owners, and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> our profitability goals. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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. In a rising interest rate environment, increases in Caps and Participation Rates, if any, may be substantially slower
              than increases in interest rates. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We manage our obligation to provide Performance Credits in
              part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal Caps 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 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;24&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_16"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> reduce both 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. You also bear the risk that the Buffers for
              your Contract are small, which increases the risk that you could receive negative Performance Credits and incur losses. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> With prior written notice we may make certain Index Options
              temporarily unavailable 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 style="font-weight:bold;"> We cannot make the Index Performance Strategy 1-year Term, 3-year Term with 10%
                Buffer, and 6-year Term Index Options temporarily unavailable. </font> We establish the Index Options that we cannot make temporarily unavailable for your Contract on the Issue Date and we cannot change them. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Temporary unavailability of an Index Option may: </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z81c8d60e4aa44912a687d6804e7e0fa7">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> last
                      for more than one Index Year, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> reoccur
                      periodically during the time you own your Contract, and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> result in all Index Options within a Crediting Method being unavailable. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> You bear the risk that certain Index
              Options may be periodically unavailable, which reduces your opportunity to receive positive Performance Credits, and may also increase your risk of loss which is modified by the protection provided by the Buffers. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Investment in Derivative Hedging Instruments</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Index Options are supported by bonds and other fixed income
            securities which are also used to support the Contract guarantees, cash, and derivative hedging instruments used to hedge the movements of the applicable Index.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">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.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Index Options move assets in the unregistered separate
            account between a book value subaccount and a market value subaccount during the Index Year based on Index performance. We typically transfer assets between the subaccounts if there is a 10% incremental change in year-to-date Index performance.
            For the Index Performance Strategy this starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change allocations daily if
            needed based on this 10% increment. For more information on our unregistered separate account backing the Index Options, see section 11, Other Information &#8211; Our Unregistered Separate Account.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We currently limit our purchase of
              derivative hedging instruments to liquid securities. However, like many types of derivative hedging instruments, these securities may be volatile and their price may vary substantially. In addition, because we pay Performance Credits
              regardless of the performance of derivative hedging instruments we purchase, we may incur losses on hedging mismatches or errors in hedging. Our experience with hedging securities may affect renewal Caps and Participation Rates for existing
              Contracts. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Certain Variable Options may also invest in derivative
            securities. For more information on these investments, see the Variable Option prospectuses.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Our Financial Strength and Claims-Paying Ability</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We make Annuity Payments, pay death benefits, and apply
            Performance Credits from our general account. Our general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The assets in our unregistered separate
              account, Separate Account IANY are also subject to claims by our creditors. You can obtain information on our financial condition by reviewing our financial statements in this prospectus, and are also subject to our financial strength and
              claims paying ability. For more information see section 11, Other Information &#8211; Our Unregistered Separate Account. </div>
        </div>
        <div style="margin-top:13pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;25&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_17"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z5f7b7de38b5e483eb5fabcaeddf77bb8">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">As a result of the COVID-19 pandemic, economic uncertainties have arisen which could negatively impact Allianz Life of New York&#8217;s net income and surplus. The
                    extent to which the COVID-19 pandemic impacts our business (including our ability to timely process applications or claims), net income, and surplus, as well as our capital and liquidity position, will depend on future developments,
                    which are highly uncertain and cannot be estimated, including the scope and duration of the pandemic and actions taken by governmental authorities and other third parties in response to the pandemic. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Regulatory Protections</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life of New York is not an investment company and
            therefore we are not registered as an investment company under the Investment Company Act of 1940, as amended, and the protections provided by this Act are not applicable to the guarantees we provide. The Separate Account is, however,
            registered as an investment company. Any allocations you make to an Index Option are not part of the Separate Account. Allianz Life of New York is not an investment adviser and so is not subject to the Investment Advisers Act of 1940, and does
            not provide investment advice to you in connection with your Contract.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your Contract is registered in accordance with the Securities Act
            of 1933 and the offering of the Contract must be conducted in accordance with the requirements of this Act. In addition, the offer and sale of the Contract is subject to the provisions of the Securities Exchange Act of 1934.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Contract is filed with and approved by New York. State
            insurance laws provide a variety of regulatory protections.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Fee Tables</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">These tables describe the fees and expenses you pay when
            purchasing, owning and taking a withdrawal from the Contract, or transferring Contract Value between Allocation Options. For more information, see section 6, Expenses. These tables do not reflect any financial adviser fees that you pay from
            your other assets, or that you choose to have us pay from this Contract. If financial adviser fees were reflected, fees and expenses would be higher.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Owner Transaction Expenses</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Withdrawal Charge During Your Contract&#8217;s First Phase, the Accumulation
            Phase<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><br>
            <font style="font-weight:Normal;">(as a percentage of each Purchase Payment withdrawn)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup></font></div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:46.66%;" id="zd197c8b7dcd24151b4f5e92a0354e42c">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:3pt;padding-left:0pt;padding-right:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:46.21%;"> Number of Complete Years <br>
                     Since Purchase Payment </td>
                  <td style="line-height:0pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:3pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:51.79%;"> Withdrawal Charge Amount </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1.88pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;"> 0 </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1.88pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1.88pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;width:51.79%;"> 7% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;"> 1 </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;width:51.79%;"> 6% </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;"> 2 </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;width:51.79%;"> 5% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;"> 3 </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;width:51.79%;"> 4% </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;"> 4 </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:51.79%;"> 3% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:46.21%;"> 5 </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;width:51.79%;"> 2% </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:46.21%;"> 6 years or more </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:6pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:51.79%;"> 0% </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:67.55%;" id="z49827ee7d7e1405d8a445ecedd58c58b">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;">
                    <div style="float:left;">Transfer Fee<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;"> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1pt;padding-left:6pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:7.70%;">$25 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:10pt;padding-right:6pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;">(for each transfer between Variable Options after twelve in a Contract Year) </td>
                  <td style="line-height:0pt;padding-top:1pt;text-align:left;vertical-align:top;width:7.70%;">&#160; </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:68.56%;" id="zcbddcf5215e74ca4a780bf4b2a70258a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:89.17%;">
                    <div style="float:left;">Premium Tax<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;"> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1pt;padding-left:6pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:9.06%;">3.5% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:10pt;padding-right:6pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:89.17%;">(as a percentage of each Purchase Payment) </td>
                  <td style="line-height:10pt;padding-top:1pt;text-align:left;vertical-align:top;width:9.06%;">&#160; </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;" id="zd53b34e08219443e811f1c83804e3eec">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:3pt;text-align:center;vertical-align:bottom;width:73.15%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:28.07%;"> Index Protection NY Strategy and <br>
                     Index Performance Strategy </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:73.15%;"> Daily Adjustment Maximum Potential Loss <br>
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:28.07%;"> 99% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:18pt;padding-right:3pt;padding-top:1pt;text-align:left; text-decoration:none;text-indent:-8pt;text-transform:none;vertical-align:top;width:73.15%;"> (as a percentage of Index Option Value, applies for distributions from an Index Option before the Term End Date) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (5) </sup> </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-top:1pt;text-align:center;vertical-align:top;width:28.07%;"> &#160; </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Owner Periodic Expenses</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:67.55%;" id="z135f97db761b4b42aac05590d3c696d9">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;">
                    <div style="float:left;"> Contract Maintenance Charge <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (6) </sup></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;"> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1pt;padding-left:6pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:7.70%;"> $50 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:10pt;padding-right:6pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;"> (per Contract per year) </td>
                  <td style="line-height:0pt;padding-top:1pt;text-align:left;vertical-align:top;width:7.70%;"> &#160; </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z47b304ec9ebc4dc1a3e7bbc2a39235fb">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">The
                    Contract provides a free withdrawal privilege that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 7, Access to Your Money &#8211; Free Withdrawal Privilege. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:6pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;26&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_18"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div>
            <table cellspacing="0" cellpadding="1" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;" id="z2b11993bb9d8440e9d433b5326c7d77f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">The
                    Withdrawal Charge Basis is the total amount under your Contract that is subject to a withdrawal charge, as discussed in section 6, Expenses &#8211; Withdrawal Charge. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">We count
                    all transfers made in the same Business Day as one transfer, as discussed in section 6, Expenses &#8211; Transfer Fee. The transfer fee does not apply to transfers to or from the Index Options and these transfers do not count against your
                    free transfers. Transfers are subject to the policies discussed in section 4, Variable Options &#8211; Excessive Trading and Market Timing. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(4) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">New York does not currently impose this tax, but we reserve the right to deduct this charge if they do so in the future. This is the maximum charge we could deduct if we exercise this right, as
                    discussed in section 6, Expenses &#8211; Premium Tax. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="1" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z61f64febf572467fb0f96ba8864aa878">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> (5) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> This
                      shows the maximum potential loss due to the application of the Daily Adjustment. The Daily Adjustment could result in a loss beyond the protection of the Buffer. The Daily Adjustment applies if you take a full or partial withdrawal,
                      or when we deduct Contract fees or expenses. The actual Daily Adjustment calculation is determined by a formula described in Appendix B. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:3.64%;"> (6) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;"> Waived if the Contract Value is at least $100,000, as discussed in section 6, Expenses &#8211; Contract Maintenance Charge. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Contract Annual Expenses</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:69.48%;" id="z65befe28f73a48e7aad22cb408b7eb6f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.98%;">
                    <div style="float:left;">Product Fee<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(6)</sup></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;"> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1pt;padding-left:6pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:10.27%;">1.25% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:10pt;padding-right:6pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.98%;">(as a percentage of the Charge Base) </td>
                  <td style="line-height:0pt;padding-top:1pt;text-align:left;vertical-align:top;width:10.27%;">&#160; </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z51d833a953ac44ad8c285416af066f0c">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(6) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">We do
                    not assess the product fee during the Annuity Phase. See section 6, Expenses &#8211; Product Fee. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Annual Operating Expenses of the Variable Options</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following are the minimum and maximum total annual operating
            expenses charged by any of the Variable Options for the most recent fiscal year ended December 31, 2020, before the effect of any contractual expense reimbursement or fee waiver. We show the expenses as a percentage of a Variable Option&#8217;s
            average daily net assets. <font style="font-style:italic;font-weight:bold;">The Index Options do not assess any separate operating expenses, and are not included in the following chart.</font></div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;" id="z54ec17a8a49848d5863ab3f8f3708aae">

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

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The table below describes in detail the total annual operating
            expenses of the Variable Options before fee waivers and/or expense reimbursements. We show the expenses as a percentage of a Variable Option's average daily net assets for the most recent fiscal year ended December 31, 2020. Expenses may vary
            in current and future years. See the Variable Options' prospectuses for further information regarding the expenses you may expect to pay. Some of the Variable Options or their affiliates may also pay service fees to us or our affiliates. If
            these fees are deducted from Variable Option assets, they are reflected in the table below.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;" id="zcfeeaa540a544013b8b34befbbe0c821">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.23%;">Variable Option </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.75pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.42%;">Management<br>
                    fees </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.75pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.00%;">Rule 12b-1<br>
                    fees </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.75pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.34%;">Other<br>
                    expenses </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.75pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.15%;">Acquired fund<br>
                    fees and expenses </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.75pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.86%;">Total annual fund operating<br>
                    expenses before fee<br>
                    waivers and/or expense<br>
                    reimbursements </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:uppercase;vertical-align:top;white-space:nowrap;width:100%;" colspan="6">BLACKROCK </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:43.23%;">AZL Government Money Market Fund </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:3pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.42%;">.35 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:3pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.00%;">.25 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:3pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.34%;">.06 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:8pt;font-size:8pt;font-style:Normal;font-style:Normal;font-weight:Normal; font-weight:Normal;line-height:11pt;line-height:11pt;padding-left:18.47pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none; vertical-align:top;white-space:nowrap;width:13.15%;">&#8211; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:4pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:18.86%;">.66 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;" colspan="6">ALLIANZ FUND OF FUNDS </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:43.23%;">AZL MVP Balanced Index Strategy Fund<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:3pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.42%;">.10 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:8pt;font-size:8pt;font-style:Normal;font-style:Normal;font-weight:Normal; font-weight:Normal;line-height:11pt;line-height:11pt;padding-left:18.47pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none; vertical-align:top;white-space:nowrap;width:8.00%;">&#8211; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:3pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.34%;">.04 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:3pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.15%;">.57 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:13pt;padding-right:4pt;padding-top:1.75pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:18.86%;">.71 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:4pt;padding-right:3pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:43.23%;">AZL MVP Growth Index Strategy Fund<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup>
                  </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:13pt;padding-right:3pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.42%;">.10 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:8pt;font-size:8pt;font-style:Normal;font-style:Normal;font-weight:Normal; font-weight:Normal;line-height:11pt;line-height:11pt;padding-bottom:4pt;padding-left:18.47pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-decoration:none;text-transform:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.00%;">&#8211; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:13pt;padding-right:3pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.34%;">.02 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:13pt;padding-right:3pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.15%;">.53 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:13pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:18.86%;">.65 </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z17662f4768e54142aa4b7ef677494b97">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">The
                    underlying funds may pay 12b-1 fees to the distributor of the Contracts for distribution and/or administrative services. The underlying funds do not pay service fees or 12b-1 fees to the Allianz Fund of Funds and the Allianz Fund of
                    Funds do not pay service fees or 12b-1 fees. The underlying funds of the Allianz Fund of Funds may pay service fees to the insurance companies issuing variable contracts, or their affiliates, for providing customer service and other
                    administrative services to contract purchasers. The amount of such service fees may vary depending on the underlying fund. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Examples</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">These examples are intended to help you compare the cost of
            investing in this Contract&#8217;s Variable Options with the costs of other variable annuity contracts. These examples assume you make a $10,000 investment and your Variable Options earn a 5% annual return. They are not a representation of past or
            future expenses. Your Contract expenses may be more or less than the examples below, depending on the Variable Options you select and whether and when you take withdrawals. These examples 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, costs would be higher.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;27&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_19"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We deduct the $50 contract maintenance
              charge in the examples on each Contract Anniversary during the Accumulation Phase (or the next Business Day if the Contract Anniversary is a non-Business Day). We may waive this charge under certain circumstances, as described in section 6,
              Expenses &#8211; Contract Maintenance Charge. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. We deduct the annual product fee (maximum charge of 1.25% product fee) in the examples on
              each Quarterly Contract Anniversary during the Accumulation Phase, as described in section 6, Expenses &#8211; Product Fee. A transfer fee may apply, but is not reflected in these examples (see section 6, Expenses &#8211; Transfer Fee). </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z2b15938c43024c7f9eef3ebc97f3fd06">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> 1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> If
                      you surrender your Contract (take a full withdrawal) at the end of each time period. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.03%;" id="z7bd7a13888d246fa87c8b09ed2eae349">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:bottom;width:61.98%;"> Total annual Variable Option operating expenses before any fee waivers or expense reimbursements of: </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.32%;"> 1 Year </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;"> 3 Years </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;"> 5 Years </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;"> 10 Years </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.98%;"> 0.71% (maximum Investment Option operating expense) </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:16pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.32%;"> $878 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.09%;"> $1,210 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.09%;"> $1,563 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;"> $2,726 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.98%;"> 0.65% (minimum Investment Option operating expense) </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:9.32%;"> $872 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.09%;"> $1,192 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.09%;"> $1,533 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;"> $2,665 </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z1bc1f09a067345c0ac21bd2206130832">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">2) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    annuitize your Contract and begin Annuity Payments at the end of each time period. The earliest available Annuity Date (the date we begin making Annuity Payments) is 13 months after the Issue Date. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.03%;" id="zeb4ac0ec0d9f43f5955066f43a461b28">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:bottom;width:61.98%;">Total annual Variable Option operating expenses before any fee waivers or expense reimbursements of: </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.32%;">1 Year </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">3 Years </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">5 Years </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;">10 Years </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.98%;">0.71% (maximum Investment Option operating expense) </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:16pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.32%;">N/A </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$710 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,243 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;">$2,676 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.98%;">0.65% (minimum Investment Option operating expense) </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.32%;">N/A </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$692 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,213 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;">$2,615 </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zde05a4d1905841028ed7825b81de231d">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">3) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    do not surrender your Contract. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.03%;" id="z1bf967afee9b41c3a4f1d0033e042a06">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:bottom;width:61.98%;">Total annual Variable Option operating expenses before any fee waivers or expense reimbursements of: </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.32%;">1 Year </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">3 Years </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">5 Years </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;">10 Years </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.98%;">0.71% (maximum Investment Option operating expense) </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:16pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.32%;">$248 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$760 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,293 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:19pt;padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;">$2,726 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.98%;">0.65% (minimum Investment Option operating expense) </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.32%;">$242 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$742 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,263 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;">$2,665 </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Condensed Financial Information</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The statutory financial statements of
              Allianz Life Insurance Company of New York are included in Appendix D and Appendix E of this prospectus. The financial statements of Allianz Life of NY Variable Account C are included in Appendix B of the Form N-4 SAI. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Accumulation unit value (AUV) information for the subaccounts
            offered under the Contract offered by this prospectus, as of December 31, 2020, is listed in the table below. This information should be read in conjunction with the financial statements and related notes of the Separate Account included in
            Appendix B of the SAI.</div>
        </div>
        <div style="margin-top:249pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;28&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_20"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">(Number of accumulation units in thousands)</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.19%;" id="z71c3a13daf4d4424a8fb6972469604a8">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:4pt;padding-right:12pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:23.57%;">Period or Year Ended </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:12pt;padding-right:12pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:26.02%;">AUV at Beginning of Period </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:12pt;padding-right:12pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:26.02%;">AUV at End of Period </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:12pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:26.02%;">Number of Accumulation Units<br>
                    Outstanding at End of Period </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:4pt;padding-top:1.88pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;" colspan="4">AZL Government Money Market Fund </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2014 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">N/A </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.755 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">124.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2015 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.755 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.756 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">249.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2016 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.756 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.757 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">444.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2017 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.757 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.763 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">524.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2018 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.763 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.893 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">629.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2019 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.893 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">13.072 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">774.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2020 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">13.072 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">13.099 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">1470.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:4pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;" colspan="4">AZL MVP Balanced Index Strategy Fund </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2014 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">N/A </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.956 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">13.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2015 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.956 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.927 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">60.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2016 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">12.927 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">13.782 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">87.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2017 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">13.782 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">15.353 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">85.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2018 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">15.353 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">14.671 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">97.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2019 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">14.671 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">17.152 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">108.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2020 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">17.152 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">18.178 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">163.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:4pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;" colspan="4">AZL MVP Growth Index Strategy Fund </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2014 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">N/A </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">14.280 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">8.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2015 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">14.280 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">14.165 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">29.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2016 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">14.165 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">15.128 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">44.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2017 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">15.128 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">17.543 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">47.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2018 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">17.543 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">16.412 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">62.00 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2019 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">16.412 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">19.779 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">57.00 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:4pt;padding-right:12pt;padding-top:1pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:23.57%;">12/31/2020 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">19.779 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:12pt;padding-right:12pt;padding-top:1pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">20.715 </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:12pt;padding-right:4pt;padding-top:1pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:26.02%;">97.00 </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">1.<font style="text-transform:uppercase;">&#160;&#160;The
              Contract</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> An annuity is a contract between you as
              the Owner, and an insurance company (in this case Allianz Life of New York), where you make payments to us and we invest that money in the Allocation Options you select. Depending on market conditions, your Contract may gain or lose value
              based on the returns of your selected Allocation Options. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is described in
              this prospectus. Other than to add benefits that are beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Contract has an Accumulation Phase and an Annuity Phase.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The <font style="font-style:italic;font-weight:bold;">Accumulation
              Phase</font> is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Allocation Options you select on a tax-deferred basis. Tax deferral 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 10, Taxes.)</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">During the Accumulation Phase you can take withdrawals (subject
            to any withdrawal charge) and you can make additional Purchase Payments subject to the restrictions set out in section 3, Purchase Requirements.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Accumulation Phase ends upon the earliest of the following.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z5696119d54aa46219e2852fe8a6d1238">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                    Business Day before the Annuity Date. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                    Business Day we process your request for a full withdrawal. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Upon the death of any Owner (or the Annuitant if the Owner is a non-individual), the Business Day we first receive a Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary
                    continues the Contract. If there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Allocation Options until the complete distribution of the death benefit. A <font style="font-weight:bold;">Valid Claim</font> is the documents we require to be received in Good Order at our Service Center before we pay any death claim. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If you request Annuity Payments, the Accumulation Phase of your
            Contract ends and you enter the <font style="font-style:italic;font-weight:bold;">Annuity Phase</font>. During the Annuity Phase we make regular fixed periodic Annuity Payments based on the life of the Annuitant(s), or life and term certain.
            We send Annuity Payments to the <font style="font-weight:bold;">Payee</font> (the person or entity who receives Annuity Payments during the Annuity Phase). You can choose when Annuity Payments begin, subject to certain restrictions. We base
            Annuity Payments on your</div>
        </div>
        <div style="margin-top:25pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;29&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_21"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">Contract Value and the payout rates for the Annuity Option you select. Your
            Annuity Payments do not change unless an Annuitant dies. The Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more information, see section 8, The Annuity Phase.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Financial Adviser Fees</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If you have a financial adviser and want
              to take a withdrawal from this Contract to pay your financial adviser fee, you can submit a written request to our Service Center on a form satisfactory to us. If we approve your request, we withdraw the fee and pay it to your financial
              adviser. <font style="font-weight:bold;"> We treat this fee payment as a withdrawal which means a withdrawal charge, federal and state income taxes, and may be subject to a 10% additional federal tax if you are under age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#160;1 </sup> &#8260; </font><font style="font-size:6pt;font-weight:bold;line-height:9pt;"> 2 </font><font style="font-weight:bold;"> , and the
                amount of Contract Value available for withdrawal may be affected by the Daily Adjustment </font><font style="font-style:italic;font-weight:bold;"> (which can be negative). </font><font style="font-weight:bold;"> </font> 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 <font style="font-style:italic;font-weight:bold;"> by more than the amount withdrawn and these reductions could be significant. </font> If this is a Non-Qualified Contract, a withdrawal will be a taxable withdrawal to the extent that gain
              exists within the Contract. Financial adviser fees paid from an IRA Contract will not be treated as a taxable withdrawal as long as the annuity contract is solely liable for the payment of the financial adviser fee. You should consult a tax
              adviser regarding the tax treatment of financial adviser fee payments. <font style="font-style:italic;font-weight:bold;"> Please consult with your Financial Professional before requesting us to pay financial adviser fees from this
                Contract compared to other assets you may have. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Your financial adviser acts on your behalf, not ours. We are
              not party to any agreement between you and your financial adviser, nor are we responsible for your financial adviser&#8217;s actions. We do not verify that withdrawals for financial adviser fees align with the terms of your agreement with your
              financial adviser. We do not set your financial adviser fee or receive any part of it. Any withdrawals for financial adviser fees you pay is in addition to this Contract&#8217;s fees and expenses. We pay sales commissions to the selling firms and
              their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a
              combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments. Financial Professionals and their managers may also be eligible for various benefits such
              as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz Life Financial Services, LLC. You should ask your financial adviser about compensation
              they receive for this Contract. Allianz Life of New York is not an investment adviser, and does not provide investment advice in connection with sales of the Contract. We are not a fiduciary to you, and do not make recommendations or assess
              suitability. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> You can submit a written request to our Service Center on a
              form satisfactory to us to allow your financial adviser to make Allocation Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser&#8217;s trading history before allowing him or her to
              make transfers. If, in our sole discretion, we believe the financial adviser&#8217;s trading history indicates excessive trading, we can deny your request. If we approve it, your financial adviser is subject to the same trading restrictions that
              apply to Owners. We can deny or revoke trading authority in our sole discretion. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Financial Adviser Fee Deduction Example </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> These calculations show the effects of withdrawing financial
              adviser fees on the Contract Value and available Guaranteed Death Benefit Value. These withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the Traditional Death
              Benefit&#8217;s Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The example assumes a withdrawal of $5,000 to pay financial
              adviser fees when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. All fractional numbers in these examples have been rounded up to the next whole number. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;" id="z1e1d4cc1a2d54e6dbc18888927ea4c85">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:62.59%;"> Financial Adviser Fee <br>
                     Withdrawal </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:6.69%;"> Contract <br>
                     Value </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:26.73%;"> Traditional Death Benefit&#8217;s <br>
                     Guaranteed Death Benefit Value </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:62.59%;"> Prior to withdrawal </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:6.69%;"> $ 100,000 </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:26.73%;"> $ 90,000 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:62.59%;"> $5,000 withdrawal </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:6.69%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:26.73%;"> &#8211; ($5,000/ 100,000) </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:62.59%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:6.69%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:26.73%;"> x 90,000)] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:62.59%;"> &#160; </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:6.69%;"> &#8211; $5,000 </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:26.73%;"> = &#8211; $4,500 </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:8pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;30&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_22"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.99%;" id="z590a2155ee604bfc95fe9c996b7a2799">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:62.59%;"> Financial Adviser Fee <br>
                     Withdrawal </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:6.69%;"> Contract <br>
                     Value </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:26.73%;"> Traditional Death Benefit&#8217;s <br>
                     Guaranteed Death Benefit Value </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:62.59%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:6.69%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="padding-right:4pt;padding-top:2pt;text-align:center;vertical-align:top;width:26.73%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:62.59%;"> After withdrawal </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:6.69%;"> $ 95,000 </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:26.73%;"> $ 85,500 </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The death benefit is the greater of the
              Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be $95,000 Contract Value. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">When the Contract Ends</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Contract ends when:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z38d4c1c49b1e4216ae3cdbcdf1337c6c">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">all
                    applicable phases of the Contract (Accumulation Phase and/or Annuity Phase) have ended, and/or </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">if we received a Valid Claim, all applicable death benefit payments have been made. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">For example, if you take a full withdrawal of the total Contract
            Value, both the Accumulation Phase and the Contract end even though the Annuity Phase never began and we did not make any death benefit payments.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">2.<font style="text-transform:uppercase;">&#160;&#160;Ownership,

              Annuitant, Determining Life, Beneficiary, and Payee</font></div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Owner</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Owner designated at Contract issue has all the rights under
            the Contract. The Owner may be an individual, or a non-individual (e.g. a trust, tax-exempt entity, or corporation). Qualified Contracts and non-individually owned Contracts can only have one Owner. A <font style="font-weight:bold;">Qualified
              Contract</font> is purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Joint Owner</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">A Non-Qualified Contract can be owned by up to two individual
            Owners <font style="font-weight:bold;">(Joint Owners)</font>. We generally require the signature of both Joint Owners on any forms that are submitted to our Service Center.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Annuitant</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Annuitant is the individual on whose life we base Annuity
            Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a
            custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Annuity Date. <font style="font-style:italic;font-weight:bold;">You cannot change the Annuitant if the Owner is a
              non-individual</font>. Subject to our approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements associated with the Contract. For
            individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Designating different persons as Owner(s) and Annuitant(s) can have
            important impacts on whether a death benefit is paid, and on who receives it as indicated below<font style="font-weight:Normal;">. For more examples, please see the Appendix A to the Form N-4 SAI. </font>Use care when designating Owners and
            Annuitants, and consult your Financial Professional if you have questions<font style="font-weight:Normal;">.</font></div>
        </div>
        <div style="margin-top:171pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;31&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_23"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: uppercase;">Upon the Death of a Sole Owner<br>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;"> </div>
        <div style="margin-top:10.5pt;">
          <div style="float:left;overflow:hidden;position:relative;width:48.40%;" type="Block">
            <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Action if the Contract is in the Accumulation Phase</div>
            <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
            <div>
              <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:8.5pt;width:100%;" id="zc56e0c49eb9942bd8161b59e1e1372f9">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">We pay a
                      death benefit to the Beneficiary unless the Beneficiary is the surviving spouse and continues the Contract. </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:5.88%;">&#8226; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:94.12%;">If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract: </td>
                  </tr>

              </table>
            </div>
            <div>
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;" id="z14382ab7a8524724bcc562ced92b009e">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;"> &#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;"> we
                        increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the death benefit ends, </td>
                  </tr>

              </table>
            </div>
            <div>
              <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;" id="z553c16da59114ee49a61caefbc5a2686">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">the
                      surviving spouse becomes the new Owner, </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">the
                      Accumulation Phase continues, and </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:93.75%;">upon the surviving spouse&#8217;s death, his or her Beneficiary(s) receives the Contract Value. </td>
                  </tr>

              </table>
            </div>
            <div>
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z675f264b3f054d14841958d032539de5">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">If the
                      deceased Owner was not a Determining Life, the Traditional Death Benefit is not available and the Beneficiary(s) receives the Contract Value. </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="float:right;overflow:hidden;position:relative;width:48.40%;" type="Block">
            <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Action if the Contract is in the Annuity Phase</div>
            <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
            <div>
              <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:8.5pt;width:100%;" id="z9b5245f6a9534e88b803ba25a9499685">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">The
                      Beneficiary becomes the Payee. If we are still required to make Annuity Payments under the selected Annuity Option, the Beneficiary also becomes the new Owner. </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">If the
                      deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable. </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:5.88%;">&#8226; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:94.12%;">If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows. </td>
                  </tr>

              </table>
            </div>
            <div>
              <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;" id="za9735a293722428587ddf3d3041889c9">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">Annuity
                      Option 1 or 3, payments end. </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;">Annuity
                      Option 2 or 4, payments end when the guaranteed period ends. </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:6.25%;">&#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:93.75%;">Annuity Option 5, payments end and the Payee may receive a lump sum refund. </td>
                  </tr>

              </table>
            </div>
            <div>
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;" id="z4e46898d691248a198988474c6651196">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:6.25%;"> &#8211;&#8194; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:93.75%;"> For
                        more information on Annuity Options, please see section 8. </td>
                  </tr>

              </table>
            </div>
            <div>
              <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zaa09c1934ba046748f57325e54f0e5c8">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:5.88%;">&#8226; </td>
                    <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:94.12%;">If the
                      deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable. </td>
                  </tr>

              </table>
            </div>
          </div>
        </div>
        <div style="clear:both;">&#160;
          <div style="clear:both;padding-top:11pt;width:100%;" type="Block">
            <div style="clear: both; color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Determining Life (Lives)</div>
            <div style="clear: both; color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The Determining Life
                (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract the Determining
                Life (Lives) are the Owner(s). For a non-individually owned Contract the Determining Life is the Annuitant. After the Issue Date the Determining Life (Lives) only change if: </div>
            <div>
              <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z518ac90c64b04859845fd563aae608ea">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> you
                        remove a Joint Owner due to divorce, then we also remove that person as a Determining Life, or </td>
                  </tr>
                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> you establish a jointly owned Non-Qualified Contract and change ownership to a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life. </td>
                  </tr>

              </table>
            </div>
            <div style="clear: both; color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Beneficiary</div>
            <div style="clear: both; color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Beneficiary is the person(s) or entity you
              designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die
              simultaneously, that Beneficiary&#8217;s interest in this Contract ends unless your Beneficiary designation specifies otherwise. You and a Beneficiary are deemed to have died simultaneously if it is not established by clear and convincing evidence
              that either you or the Beneficiary survived the other by 120 hours. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.</div>
            <div style="text-align:center;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:9pt;width:99.60%;" id="z338b252653044b189f38844e109aa497">

                  <tr style="page-break-inside:avoid;">
                    <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">FOR JOINTLY OWNED CONTRACTS:<font style="font-style:Normal;font-weight:Normal;"> The sole primary Beneficiary is the surviving Joint Owner regardless of any
                        other named primary Beneficiaries. If both Joint Owners die simultaneously, we pay the death benefit to the named contingent Beneficiaries or equally to the estate of the Joint Owners if there are no named contingent Beneficiaries.</font>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="clear: both; color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Payee</div>
            <div style="clear: both; color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Payee is the person or entity who receives
              Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally we require the Payee to be an Owner. However, you can name a charitable trust, financial institution, qualified plan, or an individual
              specified in a court order as a Payee. For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.</div>
          </div>
        </div>
        <div style="padding-top:50pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;32&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_24"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Assignments, Changes of Ownership and Other Transfers of Contract
            Rights</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can assign your rights under this Contract to someone else
            during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee
            of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You must submit your request to assign the Contract in writing to
            our Service Center&#160;and we must approve it in writing.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Upon receipt of your request in Good Order, we record the
            assignment. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. A request is in &#8220;<font style="font-weight:bold;">Good Order</font>&#8221; when it contains all the information we require to process it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change
            the Annuitant or Beneficiary you must make a separate request.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zcee08c68061f43c6a4685b340d7fe7af">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">An
                      assignment may be a taxable event</font>. In addition, there are other restrictions on changing the ownership of a Qualified Contract and Qualified Contracts generally cannot be assigned absolutely or on a limited basis. <font style="font-style:italic;font-weight:bold;">You should consult with your tax adviser before assigning this Contract</font>. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; <font style="font-weight:bold;">An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to divorce, or replacing Joint Owners with a Trust.</font> </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">3.<font style="text-transform:uppercase;">&#160;&#160;Purchasing

              the Contract</font></div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Purchase Requirements</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">To purchase this Contract, on the Issue Date all Owners and the
            Annuitant must be age 80 or younger.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Purchase Payment requirements for this Contract are as
            follows.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z640ccc81f7ae4ff6a1978a5476a1b123">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                    minimum initial Purchase Payment due on the Issue Date is $10,000. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">You can
                    make additional Purchase Payments of $50 or more during the Accumulation Phase. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">We do
                    not accept additional Purchase Payments on or after the Annuity Date. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">The maximum total Purchase Payments we accept is $1 million. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We may, at our sole discretion, waive the minimum Purchase
            Payment requirements.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Once we receive your initial Purchase Payment and all necessary
            information in Good Order at our Service Center, we issue the Contract within two Business Days and allocate your payment to your selected Allocation Options. If you do not give us all of the information we need, we contact you or your
            Financial Professional. If for some reason we are unable to complete this process within five Business Days, we either send back your Purchase Payment or get your permission to keep it until we get all of the necessary information. If you make
            additional Purchase Payments, we add this money to your Contract on the Business Day we receive it in Good Order.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you submit a Purchase Payment and/or application to your
            Financial Professional, we do not begin processing the payment and/or application until we receive it. A Purchase Payment is &#8220;received&#8221; when it arrives at our Service Center from the address for mailing checks listed at the back of this
            prospectus regardless of how or when you submitted them. We forward Purchase Payments we receive at the wrong address to the last address listed at the back of this prospectus, which may delay processing.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We can only decline a Purchase Payment if it would cause total
            Purchase Payments to be more than $1 million, or if it would otherwise violate the Purchase Payment restrictions of your Contract (for example, we do not allow additional Purchase Payments on or after the Annuity Date). If mandated under
            applicable law, we may be required to reject a Purchase Payment.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Applications Sent Electronically</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We accept manually signed applications that are in Good Order and
            are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do not receive. A
            manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can experience outages
            or slowdowns which may delay application processing.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;33&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_25"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">Although we have taken precautions to help our system handle heavy use, we cannot
            promise complete reliability. If you experience problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application policy at any time and for any reason.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Allocation of Purchase Payments and Contract Value Transfers</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The allocation instructions you provide on
              your application automatically become your Purchase Payment default instructions. (In your Contract, Purchase Payment default instructions are called future allocation instructions.) We use these default instructions for all Purchase Payments
              we receive unless you change them, or give us alternate allocation instructions specific to an individual Purchase Payment. <font style="font-style:italic;font-weight:bold;"> We only allow Purchase Payments to move into the available
                Index Options on the Index Effective Date and on subsequent Index Anniversaries. </font> As a result, we hold Purchase Payments 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 <font style="font-style:italic;font-weight:bold;"> after </font> the Index Effective Date, we transfer the amounts held in the AZL Government Money Market Fund to
              your selected Index Options on the next Index Anniversary. This transfer on the next Index Anniversary does not involve a reallocation of your total Contract Value. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We only allow Variable Account Value transfers into Index
              Options and Index Option Value transfers between Index Options on Term End Dates. We do not allow assets to move into an established 3-year or 6-year Term Index Option until the Term End Date. <font style="font-style:Normal;font-weight:Normal;"> 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 5, 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 </font><font style="font-style:Normal;font-weight:Normal;"> 6-year
                Term Index Option. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You select the Index Effective Date when you purchase your
            Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;" id="z2a02ed5a4cf7477d869f1dba61b4b13f">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:28.54%;">On your application if you select&#8230; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:71.46%;">Your Index Effective Date will be either&#8230; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:28.54%;">the earliest Index Effective Date </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:71.46%;">&#8226;&#8194;your Issue Date, or<br>
                    &#8226;&#8194;the first Business Day of the next month if the Issue Date is the 29th, 30th, or 31st of a month </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt; padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:28.54%;">the deferred Index Effective Date </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:71.46%;">&#8226;&#8194;your first Quarterly Contract Anniversary, or<br>
                    &#8226;&#8194;the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business Day, or the first Business Day of the next month if the first Quarterly Contract Anniversary is the 29th, 30th, or 31st of a month </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> You should be aware that, generally, 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 www.allianzlife.com/indexratesny and cannot be superseded until that period ends.
              If you select the earliest Index Effective Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you choose to defer your Index Effective Date your initial rates may change
              from the values that were available on the Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. In addition, if you select an Index
              Effective Date that is after the end of the free look period, you will bear the risk that initial Caps and Participation Rates may change and be less advantageous to you and that you will be subject to the contract maintenance charge, product
              fee, and rider fee if you then elect to cancel the Contract on or before the Index Effective Date, but after the free look period. You may review future rates at least seven calendar days before their effectiveness at
              www.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. <font style="font-weight:Normal;"> However, your new Index Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center before the end of the Business Day on
                which you want the Index Effective Date to occur. Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can change your Purchase Payment default instructions at any
            time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to Purchase Payment default instructions from any Owner unless you instruct otherwise. We may
            allow you to authorize someone else to change</div>
        </div>
        <div style="margin-top:5pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;34&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_26"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> these default instructions on your behalf.
            <font style="font-style:italic;font-weight:bold;"> Changes to your Purchase Payment default instructions do not reallocate or transfer existing Index Option Values on the Term End Date </font> . </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> We notify you at least 30 days in advance of each Index
              Anniversary as a reminder that on the upcoming anniversary you may Variable Account Value to the Index Options, and you may transfer Index Option Value to the Variable Options or among the available Index Options. Transfers between Allocation
              Options do not change your Purchase Payment default instructions. For more information, see section 4, 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 Index Options (if available) at the renewal Caps and Participation Rates. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> With prior written notice we may make certain Index Options
              temporarily unavailable 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. <font style="font-style:italic;font-weight:bold;"> These
                assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable. </font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can transfer Variable Account Value among the Variable
            Options on any Business Day, except that any amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if
            it is transferred to another Variable Option.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zaf286a62ec3144798f473e0187a7b969">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; In order to apply Purchase Payments
                    we receive <font style="font-style:italic;font-weight:bold;">after</font> the Index Effective Date to your selected Index Option(s) on the next Index Anniversary, we must receive them <font style="font-weight:bold;text-decoration:underline;">before</font> the end of the Business Day on the Index Anniversary (or before the end of the <font style="font-weight:bold;text-decoration:underline;">prior</font> Business Day if
                    the anniversary is a non-Business Day). </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; Variable
                    Options are subject to Contract fees and expenses (e.g. product fee), and market risk and assets you allocate to them may lose value, <font style="font-style:italic;font-weight:bold;">including any Purchase Payments we hold in the AZL
                      Government Money Market before transferring them to your selected Index Options</font>. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Automatic Investment Plan (AIP)</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The AIP makes additional Purchase Payments
              to the Variable Options 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. <font style="font-style:italic;font-weight:bold;"> Assets that were destined for a temporarily unavailable Index Option that we continue to hold in the AZL Government Money Market Fund will not be eligible to receive a Performance Credit until at
                least the second Index Anniversary after an Index Option becomes temporarily unavailable. </font> We must receive your request to stop or change AIP at our Service Center before the end of the last Business Day immediately before the
              Business Day we process AIP to make the change that month. If you choose to begin Annuity Payments, AIP ends automatically on the last Business Day before the Annuity Date. We reserve the right to discontinue or modify AIP at any time and for
              any reason. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z8bd5f0d131f34f0ea33f333230d1e80c">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">For Owners of Qualified Contracts, AIP is not available if you have an Inherited IRA Contract, an Inherited Roth IRA Contract, or if your Contract is funding a
                    plan that is tax qualified under Section 401 of the Code. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Free Look/Right to Examine Period</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you change your mind about owning the Contract, you can cancel
            it within ten days after receiving it. We return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase Payment. If you have an IRA Contract, we refund
            your Purchase Payments less withdrawals, or Contract Value, if greater. For IRA Contracts, we reserve the right to allocate your initial Purchase Payment to the AZL</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;35&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_27"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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. We do not assess a withdrawal charge or deduct any other Contract fees or expenses if you cancel your
              Contract during the free look period. In the Contract, the free look provision is also called the right to examine. </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">4.<font style="text-transform:uppercase;">&#160;&#160;Variable
              Options</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following table lists this Contract&#8217;s Variable Options and
            their associated investment advisers and subadvisers, investment objectives, and principal investment strategies. Depending on market conditions, you can gain or lose value by investing in the Variable Options. In the future, we may add,
            eliminate or substitute Variable Options to the extent permitted by the federal securities laws and, when required, the SEC.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You should read the Variable Options' prospectuses carefully<font style="font-weight:Normal;">. The Variable Options invest in different types of securities and follow varying investment strategies. There are potential risks associated with each of these types of securities and investment strategies. The
              operation of the Variable Options and their various risks and expenses are described in the Variable Options' prospectuses. We send you the current copy of the Variable Options' prospectuses when we issue the Contract. </font>(You can also
            obtain the current Variable Options' prospectuses by contacting your Financial Professional or calling us at the toll-free telephone number listed at the back of this prospectus.)</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Currently, the Variable Options are not publicly available mutual
            funds. They are available only as Variable Options in variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified pension or retirement plans. A
            material conflict of interest may arise between insurance companies, owners of different types of contracts, and retirement plans or their participants. Each Variable Option's Board of Directors monitors for material conflicts, and determines
            what action, if any, should be taken to address any conflicts.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The names, investment objectives and policies of certain Variable
            Options may be similar to the names, investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Variable Options' investment results may be
            higher or lower than these other portfolios&#8217; results. The investment advisers cannot guarantee, and make no representation, that these similar funds' investment results will be comparable even though the Variable Options have the same names,
            investment advisers, objectives, and policies.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Each Variable Option offered by the Allianz Variable Insurance
            Products Fund of Funds Trust (Allianz VIP Fund of Funds Trust) is a &#8220;fund of funds&#8221; and diversifies its assets by investing primarily in shares of several other affiliated mutual funds.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Variable Options may pay 12b-1 fees to the Contracts&#8217;
            distributor, our affiliate, Allianz Life Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are compensated by
            the Variable Options' advisers, distributors and/or affiliates for administrative services and benefits we provide to these Variable Options. The compensation amount usually is based on the Variable Options' aggregate assets purchased through
            contracts we issue or administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any variable investment option in any variable annuity contract we offer is 0.35% annually of the average
            aggregate amount invested by us in the variable investment options.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Allianz VIP Fund of Funds Trust underlying funds do not pay
            12b-1 fees or service fees to the Trust, and the Trust does not charge 12b-1 fees or service fees. The Allianz VIP Fund of Funds Trust underlying funds or their advisers may pay service fees to us and our affiliates for providing customer
            service and other administrative services to you. Service fees may vary depending on the underlying fund.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We offer other variable annuity contracts that may invest in
            these Variable Options. These contracts may have different charges and may offer different benefits more appropriate to your needs. For more information about these contracts, please contact our Service Center.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Investment Management LLC is an adviser/subadviser that
            is affiliated with us through common ownership.</div>
        </div>
        <div style="margin-top:57pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;36&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_28"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:14pt;margin-top:6pt;text-align:center;text-decoration:none;text-transform:uppercase;">VARIABLE OPTIONS</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.79%;" id="zed7183bc025644858ad832654c7e6722">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:3pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.01%;">Investment<br>
                    Management<br>
                    Company and<br>
                    Adviser/Subadviser </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.5pt;padding-left:3pt; padding-right:3pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.62%;">Investment<br>
                    Option Name </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.5pt;padding-left:3pt; padding-right:3pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.62%;">Asset Class </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.5pt;padding-left:3pt; padding-right:3pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.62%;">Investment<br>
                    Objective </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.5pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:38.11%;">Principal Investment Strategies<br>
                    <font style="font-weight:Normal;">(Normal market conditions)</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:4pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:uppercase;vertical-align:top;width:100%;" colspan="5">Allianz Fund of Funds </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:3pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.01%;" rowspan="2">Allianz Investment Management LLC </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:3pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">AZL MVP Balanced Index Strategy Fund </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:3pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">A &#8220;Fund of Funds&#8221; Model Portfolio </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:3pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">Long-term capital appreciation with preservation of capital as an important consideration </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:4pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:38.11%;">Invests primarily (approximately 95%) in a combination of five underlying index funds (generally allocated 40% to 60% to underlying equity index funds and 40% to
                    60% to underlying bond index fund), combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:3pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">AZL MVP Growth Index Strategy Fund </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:3pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">A &#8220;Fund of Funds&#8221; Model Portfolio </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:3pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">Long-term capital appreciation </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:3pt;padding-right:4pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:38.11%;">Invests primarily (approximately 95%) in a combination of five underlying index funds (generally allocated 65% to 85% to underlying equity index funds and 15% to
                    35% to underlying bond index fund), combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:4pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:uppercase;vertical-align:top;white-space:nowrap;width:100%;" colspan="5">Blackrock </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:4pt; padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.01%;">Allianz Investment Management LLC/BlackRock Advisors, LLC </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:3pt; padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">AZL Government Money Market Fund </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:3pt; padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">Cash Equivalent </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:3pt; padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:15.62%;">Current income consistent with stability of principal </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:3pt;padding-right:4pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:38.11%;">Invests at least 99.5% of its total assets in cash, government securities, or repurchase agreements that are collateralized
                    fully. Invests at least 80% in government securities or in repurchase agreements collateralized by government securities. Investments include U.S. Treasury bills, notes and other obligations issued or guaranteed as to principal and
                    interest by the U.S. Government, its agencies or instrumentalities, and repurchase agreements secured by such obligations. In addition, the Fund may invest in variable and floating rate instruments. During extended periods of low
                    interest rates, and due in part to contract fees and expenses, the yield of the AZL Government Money Market Fund may also become extremely low and possibly negative. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Substitution of Variable Options and Limitation on Further
            Investments</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may substitute another Variable Option for one of your
            selected Variable Options, for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice. We may make
            substitutions with respect to your existing allocations, future Purchase Payment allocations, or both. New or substitute Variable Options may have different fees and expenses, and their availability may be limited to certain purchaser classes.
            We may limit further Variable Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Variable Options to additional allocations. The fund companies that sell
            Variable Option shares to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Transfers Between Variable Options</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can transfer Variable Account Value among the Variable
            Options on any Business Day. Transfers may be subject to a transfer fee as stated in section 6, Expenses.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following applies to any transfer.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z6be3395083f04791b433fb3f8816cfdd">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Your
                    request for a transfer must clearly state the Variable Options involved and how much to transfer. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Your
                    right to make transfers is subject to the Excessive Trading and Market Timing policy discussed later in this section. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Variable Account Value transfers between Variable Options do not change your Purchase Payment default instructions. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Any amount held in the AZL Government Money Market Fund that is
            set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable Option.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We process transfer requests based on prices next determined
            after we receive your request in Good Order at our Service Center. If we do not receive your transfer request <font style="font-weight:bold;">before</font> the end of the <font style="font-weight:bold;">current</font> Business Day, even if
            due to our delay in answering your call or a delay caused by our electronic systems, you receive the <font style="font-weight:bold;">next</font> Business Day&#8217;s prices. For jointly</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;37&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_29"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">owned Contracts, unless you require us to obtain signatures from both Joint
            Owners, we accept transfer instructions from any Joint Owner. We may also allow you to authorize someone else to request transfers on your behalf.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Electronic Transfer and Allocation Instructions</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We use reasonable procedures to confirm that electronic transfer
            request or allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all fax, email and website
            instructions. We reserve the right to deny any transfer request or allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Please note that telephone, fax, email and/or the website may not
            always be available. Any electronic system, whether it is ours, yours, your service provider&#8217;s, or your Financial Professional&#8217;s, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your
            transfer request or allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your instructions in writing
            to our Service Center.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">By authorizing electronic instructions, you authorize us to
            accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You should protect your
            website password, because the website is available to anyone with your password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Excessive Trading and Market Timing</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may restrict or modify your right to make transfers to prevent
            any use that we consider to be part of a market timing program.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Frequent transfers, programmed transfers, transfers into and then
            out of a Variable Option in a short period of time, and transfers of large amounts at one time (collectively referred to as &#8220;potentially disruptive trading&#8221;) may have harmful effects for other Owners, Annuitants and Beneficiaries. These risks
            and harmful effects include the following.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zd5e8072e650741c49f9078a9ce53ea0e">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Dilution
                    of the interests of long-term investors in a Variable Option, if market timers or others transfer into a Variable Option at prices that are below their true value, or transfer out at prices above their true value. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">An
                    adverse effect on portfolio management, such as causing a Variable Option to maintain a higher level of cash or causing a Variable Option to liquidate investments prematurely. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Increased brokerage and administrative expenses. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We attempt to protect our Owners and the Variable Options from
            potentially disruptive trading through our Excessive Trading and Market Timing policies and procedures. Under these policies and procedures, we may modify your transfer privileges for some or all of the Variable Options as follows:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z258059b6c81b4f38befe10deba959ca1">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Limit
                    transfer frequency (for example, prohibit more than one transfer a week, or more than two a month, etc.). </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Restrict
                    the transfer method (for example, requiring all transfers be sent by first-class U.S. mail and rescinding electronic transfer privileges). </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Require
                    a minimum time period between each transfer into or out of the same Variable Option. Our current Excessive Trading and Market Timing policy, which is subject to change without notice, prohibits &#8220;round trips&#8221; within 14 calendar days. We
                    do not include transfers into and/or out of the AZL Government Money Market Fund when available in your Contract or any automatic transfers made under any of our programs or Contract features. Round trips are transfers into and back out
                    of the same Variable Option, or transfers out of and back into the same Variable Option. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Refuse
                    transfer requests made on your behalf by an asset allocation and/or market timing service. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Limit
                    the dollar amount of any single Purchase Payment or transfer request to a Variable Option. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Prohibit
                    transfers into specific Variable Options. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Impose other limitations or restrictions to the extent permitted by federal securities laws. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We also reserve the right to reject any specific Purchase Payment
            allocation or transfer request from any person if in the investment adviser&#8217;s, subadviser&#8217;s or our judgment, a Variable Option may be unable to invest effectively in accordance with its investment objectives and policies. This could occur, for
            example, where frequent or rapid trading causes the investment adviser to hold an excess of uninvested cash to meet redemption requests, or to sell investment positions to</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;38&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_30"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">fund redemptions, thereby affecting Variable Option returns. Similarly, rapid or
            frequent trading may cause a Variable Option to incur excessive transaction fees, which also could affect performance.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We retain some discretion in determining what actions constitute
            potentially disruptive trading and in determining when and how to impose trading restrictions. Currently, we attempt to <font style="font-weight:bold;">deter</font> disruptive trading as follows. If a transfer(s) is/are identified as
            potentially disruptive trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it constitutes disruptive trading, we also impose transfer restrictions. Transfer restrictions may include
            refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. If the disruptive trading affects only a single Variable Option, we may prohibit transfers into or Purchase Payment allocations to that Variable Option.
            We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading to continue. We also reserve the right to impose transfer restrictions if we determine, in our sole discretion, that
            transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We adopted these policies and procedures as a preventative
            measure to protect all Owners from the potential effects of disruptive trading, while also abiding by your legitimate interest in diversifying your investment and making periodic asset re-allocations based on your personal situation or overall
            market conditions. We attempt to protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may make exceptions when imposing transfer restrictions if we
            determine a transfer is appropriate, although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its relative size,
            whether it was purely a defensive transfer into the AZL Government Money Market Fund, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not reinstate these
            privileges if we believe they might be used for future disruptive trading.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We cannot guarantee the following.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z452e6e2ca467409e853c095e41935d09">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Our
                    monitoring will be 100% successful in detecting all potentially disruptive trading activity. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Revoking electronic transfer privileges will successfully deter all potentially disruptive trading. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">In addition, some of the Variable Options are available to other
            insurance companies and we do not know if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be completely successful at detecting and
            preventing market timing activities, and other insurance companies that offer the Variable Options may not have adopted adequate market timing procedures, there is some risk that market timing activity may occur and negatively affect other
            Owners.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may, without prior notice to any party, take whatever action
            we deem appropriate to comply with any state or federal regulatory requirement. In addition, purchase orders for a Variable Option&#8217;s shares are subject to acceptance by that Variable Option&#8217;s manager. We reserve the right to reject, without
            prior notice, any Variable Option transfer request or Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements required under SEC Rule 22c-2 (Rule 22c-2 agreements) whereby, upon request by
            an underlying fund or its designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1) provide details concerning every
            purchase, redemption, transfer, or exchange of Variable Options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain Rule 22c-2 agreements, if we fail to comply with
            a request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders from us until we comply.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Variable Options may add or change policies designed to restrict
            market timing activities. For example, Variable Options may impose restrictions on transfers between Variable Options in an affiliated group if the investment adviser to one or more of the Variable Options determines that the person requesting
            the transfer has engaged, or is engaging in, market timing or other abusive trading activities. In addition, a Variable Option may impose a short-term trading fee on purchases and sales within a specified period. You should review the Variable
            Options&#8217; prospectuses regarding any applicable transfer restrictions and the imposition of any fee to discourage short-term trading. The imposition of these restrictions would occur as a result of Variable Option restrictions and actions taken
            by the Variable Options&#8217; managers.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z68a3f52decc6419d9546d660779f1da3">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">This Contract is not designed for professional market timing organizations, or other persons using programmed, large, or frequent transfers, and we may restrict
                    excessive or inappropriate transfer activity. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:20pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;39&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_31"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The retention of some level of discretion by us may result in
            disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive trading practices that have negative
            effects.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Voting Privileges</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We legally own the Variable Option shares. However, when a
            Variable Option holds a shareholder vote that affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because most Owners do
            not give us instructions and we vote shares proportionally, a small number of Owners may determine a vote&#8217;s outcome. If we determine we no longer need to get your voting instructions, we will decide how to vote the shares. Only Owners have
            voting privileges. Annuitants, Beneficiaries, Payees and other persons have no voting privileges unless they are also Owners.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We determine your voting interest in a Variable Option as
            follows:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="za5992d09b98b47cb8f234db66f80b5e5">

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

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">5.<font style="text-transform:uppercase;">&#160;&#160;Valuing
              Your Contract</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your Contract Value is the total of the Variable Account Value
            and all Index Option Values.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;" id="z206049fb2f964a2c960acc19fd30df6b">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.38%;"> Variable Account Value increases when&#8230;. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;"> Variable Account Value decreases when&#8230;. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.38%;"> &#8226;&#8194;you add assets to a Variable Option by Purchase Payment or Contract Value transfer, or <br>
                     &#8226;&#8194;there is positive Variable Option performance </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:50.62%;"> &#8226;&#8194;you take assets out of a Variable Option by withdrawal or Contract Value transfer, <br>
                     &#8226;&#8194;there is negative Variable Option performance, or <br>
                     &#8226;&#8194;we deduct Contract fees and expenses </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;" colspan="2"> Contract <font style="font-style:Normal;font-weight:Normal;"> </font> fees and <font style="font-style:Normal;font-weight:Normal;"> </font> expenses we deduct from the Variable Options include the product fee, contract maintenance charge, withdrawal charge and transfer fee as described in section 6, Expenses.
                      Variable Options include Purchase Payments we hold in the AZL Government Money Market Fund before transferring them to your selected Index Options. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The Variable Options do not provide any protection against loss
            of principal. <font style="font-style:italic;font-weight:bold;">You can lose principal and previous earnings you allocate to the Variable Options. These losses can be significant</font>.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;" id="za68bb6b8f43a4666a6744feb4dce41bc">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.38%;"> Index Option Values increase when&#8230;. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;"> Index Option Values decrease when&#8230;. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.38%;"> &#8226;&#8194;you add assets to an Index Option by Purchase Payment or Contract Value transfer, or <br>
                     &#8226;&#8194;you receive a positive Performance Credit or Daily Adjustment </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:50.62%;"> &#8226;&#8194;you take assets out of an Index Option by withdrawal or Contract Value transfer, <br>
                     &#8226;&#8194;you receive a negative Performance Credit or Daily Adjustment, or <br>
                     &#8226;&#8194;we deduct Contract fees and expenses </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;" colspan="2"> Contract fees and expenses we deduct from the Index Options include the product fee, contract maintenance charge and withdrawal
                      charge&#160; as described in section 6, Expenses. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We apply transfers of Contract Value and
              Purchase Payments to the Index Options on the Index Effective Date and Index Anniversaries. We apply Performance Credits to the Index Options on the Term End Dates. Contract expenses are deducted at different times during the Index Year as
              stated in section 6, Expenses. The Daily Adjustment applies on any Business Day other than the Term Start Date or the Term End Date. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Performance Credits are subject to the applicable Buffer, Cap,
              and/or Participation Rate <font style="font-weight:Normal;"> . Positive Performance Credits are not guaranteed and Performance Credits can be zero under all the Index Options. Performance Credits can be negative after application of the
                Buffer. </font> A negative Performance Credit means that you can lose principal and previous earnings. <font style="font-style:italic;"> These losses can be significant. </font></div>
        </div>
        <div style="margin-top:46pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;40&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_32"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Determining Variable Account Value</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Separate Account holds the assets you allocate to the
            Variable Options, including Purchase Payments held in the AZL Government Money Market Fund before we transfer them to the Index Options. The Separate Account is divided into subaccounts, each of which invests exclusively in the shares of a
            single Variable Option.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We convert amounts you allocate to a Variable Option into
            subaccount accumulation units. Each subaccount&#8217;s daily price (accumulation unit value) is based on the Variable Option&#8217;s price. A Variable Option&#8217;s price is typically determined at the end of each Business Day,<font style="font-weight:bold;">
              and any Purchase Payment received at or after the end of the current Business Day receives the next Business Day&#8217;s price</font>. A Variable Option's price reflects deduction of its operating expenses.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We calculate your Variable Account Value at the end of each
            Business Day by multiplying each subaccount&#8217;s accumulation unit value by its number of accumulation units, and adding those results together for all subaccounts.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">On the Issue Date, the number of accumulation units in each
            subaccount is equal to the amount allocated to the subaccount divided by its accumulation unit value. At the end of each Business Day, the number of subaccount accumulation units:</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z71e29fc2279049a08805d4a0083caf74">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">increase<font style="font-weight:Normal;"> when you add assets to a Variable Option by Purchase Payment or Contract Value transfer, and</font> </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z086c6158491847c6823627aad363b4b5">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> decrease <font style="font-weight:Normal;"> when assets are removed from a Variable Option by transfer, withdrawals you request, or when we deduct Contract fees and expenses. </font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We arbitrarily set the initial accumulation unit value for each
            subaccount. At the end of each Business Day, we determine the new accumulation unit value for each subaccount by multiplying the prior Business Day&#8217;s accumulation unit value by the Variable Option&#8217;s percentage change in price since the prior
            Business Day. The percentage change in price includes the Variable Option&#8217;s market performance.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Example</font></div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z84ea0f618d6d4e139c9052731b18337f">

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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">We
                    receive at our Service Center an additional Purchase Payment of $3,000 from you before the end of the Business Day. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">When
                    the New York Stock Exchange closes on that Business Day, we determine that the accumulation unit value is $13.25 for the subaccount of your selected Variable Option. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">We then divide $3,000 by $13.25 and credit your Contract that night with 226.415094 subaccount accumulation units for your selected Variable Option. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Determining Index Option Values</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We calculate an Index Option Value for
              each Index Option at the end of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the Term Start Date or the
              Term End Date. The Daily Adjustment can be positive or negative and is discussed later in this section. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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: </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z0ee1bd4f2e2f430f86efdd2682e400be">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> any
                      Purchase Payment received that day which you allocated to that Index Option, and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> any Contract Value transferred into that Index Option. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">At the end of each subsequent Business Day for each selected
            Index Option, we first either apply:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="za5aaa24b0c534a9483a44a4c65a2492a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> the
                      Daily Adjustment if this is not the Term End Date, or </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> a Performance Credit if this is the Term End Date. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We calculate Performance Credits as described under &#8220;Calculating
            Performance Credits&#8221; next in this section and apply them as follows:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zed4c0a124f114f8cba77ea9ae67c16db">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">We
                    multiply each Index Option Base by its Performance Credit and add this amount to its Index Option Base. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Then we set each Index Option Value equal to its Index Option Base. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:51pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;41&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_33"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Lastly, we increase and/or decrease each
              Index Option Base and Index Option Value for additional Purchase Payments, transfers, partial withdrawals you take (including any withdrawal charge), and deductions we make for Contract fees and expenses. </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z248ed96ab2784b948cc7a4bfc043d32b">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> 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. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zed37f2cbe25e4388851d0892c0f82aff">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Transfers
                    out of this Index Option reduce these values by the dollar amount removed from the Index Option. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zd5b1acc72bd444cb9ae421420d7feb37">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Partial
                      withdrawals you take (including any withdrawal charge), and deductions we make for Contract fees and expenses reduce these values by the dollar amount withdrawn from the Index Option. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="zdb69c4d954d74675bc3a551c19762bcf">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> We
                      deduct partial withdrawals you take (including any withdrawal charge), and deductions we make for Contract fees and expenses from the Index Options proportionately based on the percentage of Contract Value in each Index Option using
                      values determined at the end of the Business Day before we process the withdrawal or deduct the Contract expense. However, if you specifically direct us to take a partial withdrawal from a specific Index Option we reduce that Index
                      Option Value by the dollar amount you specify (including any withdrawal charge). </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="z744ef6635cca4273827f53da4c276cff">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">We then
                    reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;"> Example </font></div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z8396e916905742919e17815e97f87714">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Your
                      Contract Value is $100,000 and you selected two Index Options. The first Index Option has an Index Option Value of $75,000 and an Index Option Base of $72,000. The second Index Option has an Index Option Value of $25,000 and an Index
                      Option Base of $22,000. You take a $10,000 partial withdrawal (including any withdrawal charge). </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Your partial withdrawal reduces your Index Option Value by the percentage of Contract Value in each Index Option (Index Option Value &#247; Contract Value). </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="ze9bf9a44625a48ef8eeb5a8f56d15d0e">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> For
                      the first Index Option this percentage is 75% ($75,000 &#247; $100,000) and the $10,000 partial withdrawal reduces this value by $7,500 ($10,000 x 75%). For the second Index Option this percentage is 25% ($25,000 &#247; $100,000) and the
                      $10,000 partial withdrawal reduces this value by $2,500 ($10,000 x 25%). </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="ze9151cf63ad24228ac30c40924b44f8e">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> We
                      then reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value (amount withdrawn from Index Option Value &#247; Index Option Value). </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="z545c003319e74e7f807ded998f53457f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> &#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> For
                      the first Index Option this percentage is 10% ($7,500 &#247; $75,000) and the $10,000 partial withdrawal reduces this value by $7,200 ($72,000 x 10%). For the second Index Option this percentage is also 10% ($2,500 &#247; $25,000) and the
                      $10,000 partial withdrawal reduces this value by $2,200 ($22,000 x 10%). </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zbd12fc4e134b4598a36acbdcb17c11e9">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Deductions
                      we make for Contract fees and expenses also reduce these values proportionately in the same way as a partial withdrawal. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;" id="z018a95d9bf294465ab6015ba69f22840">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:bottom;width:35.34%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:30.33%;" colspan="3"> First Index Option </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:32.33%;" colspan="3"> Second Index Option </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:bottom;width:35.34%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:14.40%;"> Index Option Value </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.93%;"> Index Option Base </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:14.40%;"> Index Option Value </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.93%;"> Index Option Base </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:35.34%;"> Prior to partial withdrawal </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:14.40%;"> $ 75,000 </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.93%;"> $ 72,000 </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:3pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:14.40%;"> $ 25,000 </td>
                  <td style="line-height:0pt;padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:15.93%;"> $ 22,000 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.34%;"> $10,000 partial withdrawal </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> &#8211; $7,500 </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.93%;"> &#8211; $7,200 </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> &#8211; $2,500 </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:15.93%;"> &#8211; $2,200 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:35.34%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:14.40%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:13.93%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:14.40%;"> &#160; </td>
                  <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="padding-right:4pt;padding-top:2pt;text-align:center;vertical-align:top;width:15.93%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:35.34%;"> After partial withdrawal </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> $ 67,500 </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:13.93%;"> $ 64,800 </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> $ 22,500 </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:15.93%;"> $ 19,800 </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z4563060c5bfd4a9c8b61236603d68fb8">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Arial Narrow;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> Amounts removed from the Index Options during the Term for partial withdrawals you take and deductions we make for Contract fees and expenses do not receive a Performance Credit on the Term End Date </font> .
                      However, the remaining amount in the Index Options is eligible for a Performance Credit on the Term End Date. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; You
                      cannot specify from which Allocation Option we deduct Contract expenses; we deduct Contract 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. <font style="font-weight:bold;"> There is no consistent financial advantage to deducting a partial withdrawal from any specific Allocation Option. </font>
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:47pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;42&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_34"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Calculating Performance Credits</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> , we
              determine Index Returns without any exchange rate adjustment. <font style="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></div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;" id="z63a8ec9ddf434f6f97ad8f556efdc570">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.00%;"> Crediting Method </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> If Index Value is less than it was on the <br>
                     Term Start Date <br>
                     (i.e., Index Return is negative): </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> If Index Value is equal to or greater than it was on the Term Start Date <br>
                     (i.e., Index Return is zero or positive): </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Protection NY Strategy </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the negative Index Return in excess of the Buffer. Assume the Buffer is 30%. If the
                      Index Return is&#8230; <br>
                     &#8226;&#8194;-12%, the Performance Credit is zero. <br>
                     &#8226;&#8194;-32%, the Performance Credit is -2%. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the Index Return subject to the Cap set on the Term Start Date Assume the Cap is 5%. If the Index Return is&#8230; <br>
                     &#8226;&#8194;0%, the Performance Credit is zero. <br>
                     &#8226;&#8194;4%, the Performance Credit is 4%. <br>
                     &#8226;&#8194;12%, the Performance Credit is 5%. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Performance Strategy &#8211; 1-year Term </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the negative Index Return in excess of the Buffer. <br>
                    Assume the Buffer for the 1-year Term is 10%. If the Index Return for the year is&#8230; &#8226;&#8194;-8%, the Performance Credit is zero. <br>
                     &#8226;&#8194;-12%, the Performance Credit is -2%. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the Index Return up to the Cap set on the Term Start Date <br>
                    Assume the Cap for the 1-year Term is 8%. If the Index Return for the year is&#8230; &#8226;&#8194;0%, the Performance Credit is zero. <br>
                     &#8226;&#8194;6%, the Performance Credit is 6%. <br>
                     &#8226;&#8194;12%, the Performance Credit is 8%. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Performance Strategy &#8211; 3-year Term </td>
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the negative Index Return in excess of the Buffer. <br>
                    Assume the Buffer for the 3-year Term is 10%. If the Index Return for the Term is&#8230; &#8226;&#8194;-19%, the Performance Credit is -9%. <br>
                     &#8226;&#8194;-24%, the Performance Credit is -14%. </td>
                  <td style="border-bottom:0.5pt Solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the Index Return multiplied by the Participation Rate, up to any Cap set on the Term Start
                      Date <br>
                    Assume the Participation Rate is 100% and the Cap is 80%. If the Index Return for the Term is&#8230; &#8226;&#8194;0%, the Performance Credit is zero. <br>
                     &#8226;&#8194;65%, the Performance Credit is 65%. <br>
                     &#8226;&#8194;90%, the Performance Credit is 80%. <br>
                    <font style="font-style:italic;font-weight:bold;"> If instead, the Participation Rate is 110% and the 3-year Term were uncapped </font> , then if the Index Return for the Term is&#8230; &#8226;&#8194;0%, the Performance Credit is zero. <br>
                     &#8226;&#8194;65%, the Performance Credit is 71.5%. <br>
                     &#8226;&#8194;90%, the Performance Credit is 99%. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:179pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;43&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_35"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.99%;" id="z7dc2c93ae7484a2598643fede8e79092">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.00%;"> Crediting Method </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> If Index Value is less than it was on the <br>
                     Term Start Date <br>
                     (i.e., Index Return is negative): </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;"> If Index Value is equal to or greater than it was on the Term Start Date <br>
                     (i.e., Index Return is zero or positive): </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;"> Index Performance Strategy &#8211; 6-year Term </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the negative Index Return in excess of the Buffer. <br>
                    Assume the Buffer for the 6-year Term is 10%. If the Index Return for the Term is&#8230; &#8226;&#8194;-19%, the Performance Credit is -9%. <br>
                     &#8226;&#8194;-24%, the Performance Credit is -14%. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;"> Performance Credit is equal to the Index Return multiplied by the Participation Rate, up to any Cap set on the Term Start
                      Date <br>
                    Assume the Participation Rate is 100% and the Cap is 95%. If the Index Return for the Term is&#8230; &#8226;&#8194;0%, the Performance Credit is zero. <br>
                     &#8226;&#8194;65%, the Performance Credit is 65%. <br>
                     &#8226;&#8194;90%, the Performance Credit is 90%. <br>
                    <font style="font-style:italic;font-weight:bold;"> If instead, the Participation Rate is 110% and the 6-year Term were uncapped </font> , then if the Index Return for the Term is&#8230; &#8226;&#8194;0%, the Performance Credit is zero. <br>
                     &#8226;&#8194;65%, the Performance Credit is 71.5%. <br>
                     &#8226;&#8194;90%, the Performance Credit is 99%. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Daily Adjustment</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We designed the Daily Adjustment to
              provide an Index Option Value during the Term on days other than the Term Start Date or the Term End Date. The Daily Adjustment can affect the amounts available for withdrawal, annuitization, payment of the death benefit, and the Contract
              Value used to determine the Charge Base and contract maintenance charge. It is discussed in the Summary - What is the Daily Adjustment?; and in Risk Factors &#8211; Risk of Negative Returns. The Daily Adjustment formula is described in Appendix B
              and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This information is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99(a) by calling (800)
              624-0197, or visiting our website at www.allianzlife.com/new-york. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Performance Locks</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We must receive a manual Performance Lock
              request in Good Order before the end of the current Business Day to lock an Index Option on that day. Otherwise the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur
              on Term End Dates. For requests submitted in writing, we do not consider the request to be received until it arrives at our Service Center. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> You (or your Financial Professional, if authorized) can
              request an automatic Performance Lock based on targets you set only through your account on our website. When you establish your account you must provide us with an email address. You can set upper and/or lower targets for each Index Option
              each Term. <font style="font-style:italic;font-weight:bold;"> Setting a target close to the current Index Option Value return may cause a Performance Lock to occur very quickly. </font> You can change or cancel targets at any
              time before we execute a Performance Lock. Each Index Option&#8217;s targets automatically expire on the earlier of the Lock Date, or the last Business Day before the 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 style="font-style:italic;font-weight:bold;"> By setting targets you are authorizing us to automatically execute a Performance Lock at
                the end of the Business Day on the Lock Date upon which the target is reached, unless you cancel the lock. </font> We will send an email notice once the Daily Adjustment for an Index Option reaches a target. To cancel an automatic
              Performance Lock after a target is reached, we must receive your request in Good Order <font style="font-weight:bold;"> before </font> the end of the Business Day on the Lock Date. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> For example, assume the Cap for the Index Performance Strategy
              1-year Term with the S&amp;P 500 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> Index 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 style="font-style:italic;font-weight:bold;"> Note that the Index Option Value return on the Lock Date could be greater or less than your target of 9.50%, or Tuesday&#8217;s Index Option Value return of 9.63%. </font></div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;44&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_36"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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 style="font-weight:bold;"> prior </font> Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the Term, Daily
              Adjustments do not apply for the remainder of the Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date. However, a locked Index Option Value can decrease if you take a partial withdrawal or when we
              deduct Contract expenses. On the next Index Anniversary that occurs immediately after the Lock Date, all locked Index Options will be unlocked, we will transfer the locked Index Option Value according to your instructions, and Daily
              Adjustments will again apply for the new 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. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> A Performance Lock can help eliminate doubt about future Index
              performance and possibly limit the impact of a negative Performance Credit you would otherwise receive. 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 it 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. 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. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;"> Optional Reallocation Program for the 1-year Term Index
              Options </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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. <font style="font-style:italic;font-weight:bold;"> These assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable. </font> 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. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z8d913302498047a197f1071cb9cc4551">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> You cannot participate in the Optional Reallocation Program if you select a 3-year or&#160;6-year Term Index Option. <font style="font-style:Normal;font-weight:Normal;"> If you are participating in this program and select a 3-year or&#160;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. </font> </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">6.<font style="text-transform:uppercase;">&#160;&#160;Expenses</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Contract fees and expenses reduce your investment return and are
            described here in detail. We set the Contract fees and expenses on the Issue Date and they cannot change.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Product Fee</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The product fee compensates us for providing all your Contract&#8217;s
            benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The product fee also compensates us for assuming the expense risk that the current fee is less than future Contract
            administration costs as well as the cost of providing certain features under the Contract. If the product fee covers these costs and risks, any excess is profit to us. We anticipate making such a profit.</div>
        </div>
        <div style="margin-top:81pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;45&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_37"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;" id="z89be42da34d643bd8f7318e06fd44acd">

                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:bottom;width:71.03%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:3pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:30.18%;">Annual Contract Fees<br>
                    <font style="font-weight:Normal;">(as a percentage of the Charge Base)</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1.88pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:71.03%;">
                    <div style="float:left;">Product Fee<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;"> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1.88pt;text-align:center;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:30.18%;">1.25% </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z86047c95322f4691b1380b086b1a51b8">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Upon the
                    death of the Owner, we continue to assess this product fee under death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 9, Death Benefit. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The product fee is an annualized rate that we calculate and
            accrue on a daily basis as a percentage of the Charge Base during the Accumulation Phase as follows.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;" id="z0454ddf9d75c48539c2c0687bbc083bc">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.48%;"> Issue Date </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:40.76%;"> Non-Quarterly Contract Anniversaries </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:40.76%;"> Quarterly Contract Anniversaries* </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:18.48%;" rowspan="2"> &#8226;&#8194;The Charge Base is equal to your initial Purchase Payment. &#8226;&#8194;We begin calculating and
                      accruing the daily product fee, <font style="font-weight:bold;"> on the day after the Issue Date. </font> </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:40.76%;"> &#8226;&#8194;First we calculate and accrue the daily product fee, using the Charge Base. If this is a non-Business Day we use the Charge Base from the
                      end of the prior Business Day. &#8226;&#8194;Then if this is a Business Day we increase/decrease the Charge Base as follows. <br>
                     &#8211;&#8194;If we receive an additional Purchase Payment, we increase the Charge Base by the dollar amount we receive. <br>
                     &#8211;&#8194;If you take a partial withdrawal, or we deduct Contract fees and expenses, we decrease the Charge Base by the percentage of Contract Value withdrawn (including any withdrawal charge). All withdrawals you take reduce the Charge
                      Base, even Penalty-Free Withdrawals. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:40.76%;" rowspan="2"> &#8226;&#8194;First we process all daily transactions and determine your Contract Value. Daily transactions include any gains/losses due to
                      Variable Option performance or application of any Daily Adjustment (or Performance Credit if this is also the Term End Date), any additional Purchase Payment, any partial withdrawals you take (including any withdrawal charge), and
                      deductions we make for Contract fees and expenses <font style="font-style:italic;font-weight:bold;"> (including deduction of the accrued daily product fee for the prior quarter). </font> All partial withdrawals you take
                      reduce the Charge Base, even Penalty-Free Withdrawals. <br>
                     &#8211;&#8194;We deduct the accrued product fee for the prior quarter on a dollar for dollar basis from the Contract Value, and proportionately from each Allocation Option. &#8226;&#8194;Then we set the Charge Base equal to this Contract Value and we
                      calculate and accrue the <font style="font-weight:bold;"> next quarter&#8217;s </font> daily product fee using the newly set Charge Base. <font style="font-size:8pt;line-height:11pt;"> *&#8194; </font><font style="font-size:8pt;line-height:11pt;"> Or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day. </font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:6pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:40.76%;"> Example: <font style="font-weight:Normal;"> Contract Value is $125,000; Charge Base is $127,000; a $10,000 partial
                        withdrawal (including any withdrawal charge) would decrease the Charge Base by $10,160. [($10,000 &#247; $125,000) x $127,000] <br>
                    </font><font style="font-weight:Normal;"> Any increase/decrease to the Charge Base will increase/decrease the daily product fee we calculate and accrue </font> on the next day. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;" colspan="3"> Examples of how we calculate the product fee are included in Appendix C. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:9pt;width:99.60%;" id="zd2b39a326ec74253b599581b06737e3c">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;"> We do not treat the deduction of the accrued product fee as a withdrawal when computing your Guaranteed Death Benefit Value under the Traditional Death Benefit
                      (see section 9). </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Deduction of the final product fee</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z841ad39ee1384eb88810a121ea4c82db">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> If
                      you take a full withdrawal we deduct the final accrued product fee before processing the withdrawal. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z57e5103e13ec4d1ba191e3116c02fc48">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    annuitize the Contract, we deduct the final accrued product fee before calculating Annuity Payments. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z698a4ce36dac4ab1ae22383783a8ee17">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Upon
                      the death of an Owner (or Annuitant if the Owner is a non-individual), we deduct the final accrued product fee before calculating the death benefit if death benefit payment Option A or Annuity Payments under death benefit payment
                      Option C is selected. For more information on the death benefit payment options see section 9, Death Benefit. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z20c218c8be2145c3bae3a76a1f4b37ab">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">If on a Quarterly Contract Anniversary (or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day) the Contract Value is less than the
                    accrued product fee, we deduct your total remaining Contract Value to cover the accrued product fee and reduce your Contract Value to zero. If the deduction of the accrued product fee reduces your Contract Value to zero and the
                    Traditional Death Benefit has ended, we treat this as a full withdrawal and your Contract ends. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:28pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;46&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_38"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Contract Maintenance Charge</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your annual contract maintenance charge is $50. This charge is
            for Contract administration and maintenance expenses. We waive this charge as follows:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z400dc76b96ac433e82480fd854927a0a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">During
                    the Accumulation Phase, if the total Contract Value for all Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Contracts you own is at least $100,000 at the
                    end of the last Business Day before the Contract Anniversary, or if the Contract Value for this single Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York
                    Contract is at least $100,000 on the Contract Anniversary. We determine the total Contract Value for all individually owned Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>
                    New York Contracts by using the Owner&#8217;s social security number, and for non-individually owned Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Contracts
                    we use the Annuitant&#8217;s social security number. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">During
                    the Annuity Phase. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">When paying death benefits. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We deduct the contract maintenance charge:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z30c2c7e7c5c04c0eb765a1926707f27a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">on a
                    dollar for dollar basis from the Contract Value on the Contract Anniversary (or the next Business Day if the Contract Anniversary is a non-Business Day), and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">we deduct it proportionately from each Allocation Option. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If you take a full withdrawal from your
              Contract (other than on a Contract Anniversary), we deduct the full contract maintenance charge. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing your Guaranteed Death Benefit Value. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Withdrawal Charge</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> You can take withdrawals during the
              Accumulation Phase. A withdrawal charge applies if any part of a withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which is equal
              to total Purchase Payments, less any Purchase Payments withdrawn (including any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts we deduct to pay other Contract
              fees and expenses. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We do not assess a withdrawal charge on Penalty-Free Withdrawals or
            amounts we deduct to pay Contract expenses, other than the withdrawal charge. However, any amounts used to pay a withdrawal charge are subject to a withdrawal charge.<font style="font-weight:Normal;"> Amounts withdrawn to pay investment adviser
              fees are subject to a withdrawal charge if they exceed the free withdrawal privilege.</font></div>
        </div>
        <div style="margin-top:291pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;47&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_39"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;" id="za93e1177e3f94d9a818a49a9d521dd9d">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:48.62%;" colspan="3"> Calculating a Withdrawal Charge </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2pt;padding-right:6pt;padding-top:3pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:49.38%;"> Example </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;" colspan="3"> For purposes of calculating any withdrawal charge, we withdraw Purchase Payments on a &#8220;first-in-first-out&#8221; (FIFO) basis and we process withdrawal
                      requests as follows. </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> You make an initial Purchase Payment of $30,000 and make another Purchase Payment in the first month of the second Contract Year of $70,000. In the third
                      month of the third Contract Year, your Contract Value is $110,000 and you request a $52,000 withdrawal. We withdraw money and compute the withdrawal charge as follows. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;" colspan="3"> 1.&#8194; First we withdraw from Purchase Payments that we have had for six or more complete years, which is your Contract&#8217;s withdrawal charge period.
                      This withdrawal is not subject to a withdrawal charge and it reduces the Withdrawal Charge Basis dollar for dollar. </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> 1 <font style="font-weight:bold;"> .&#8194; </font><font style="font-weight:bold;"> Purchase Payments beyond the withdrawal charge period. </font>
                      All payments are still within the withdrawal charge period, so this does not apply. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;" colspan="3"> 2.&#8194; Amounts available as a Penalty-Free Withdrawal. This includes partial withdrawals you take during the Accumulation Phase under the free
                      withdrawal privilege or waiver of withdrawal charge benefit, and RMD payments under our minimum distribution program. Penalty-Free Withdrawals are not subject to a withdrawal charge, but they reduce the Withdrawal Charge Basis dollar
                      for dollar, and are withdrawn from Purchase Payments on a FIFO basis. </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> 2 <font style="font-weight:bold;"> .&#8194; </font><font style="font-weight:bold;"> Amounts available as a Penalty-Free Withdrawal. </font> You did
                      not take any other withdrawals this year, so the entire free withdrawal privilege (10% of your total Purchase Payments, or $10,000) is available to you without incurring a withdrawal charge. We also deduct this $10,000 from the first
                      Purchase Payment. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;" colspan="3"> 3.&#8194; Next, on a FIFO basis, we withdraw from Purchase Payments within your Contract&#8217;s withdrawal charge period and assess a withdrawal charge.
                      Withdrawing payments on a FIFO basis may help reduce the total withdrawal charge because the charge declines over time. We determine your total withdrawal charge by multiplying each payment by its applicable withdrawal charge
                      percentage and then totaling the charges. These withdrawals reduce the Withdrawal Charge Basis. <br>
                    The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows. </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:49.38%;"> 3 <font style="font-weight:bold;"> .&#8194; </font><font style="font-weight:bold;"> Purchase Payments within the withdrawal charge period on a FIFO basis. </font> The
                      total amount we withdraw from the first Purchase Payment is $30,000, which is subject to a 5% withdrawal charge, and you receive $19,000. We determine this amount as follows: <br>
                    ( <font style="font-weight:bold;"> amount withdrawn) x (1 &#8211; withdrawal charge) = the amount you receive, or: <br>
                    </font> $20,000 x 0.95 = $19,000 <br>
                    Next we withdraw from the second Purchase Payment. <br>
                     So far, you received $29,000 ($10,000 under the free withdrawal privilege and $19,000 from the first Purchase Payment which is now reduced to zero), so we withdraw $23,000 from the second Purchase Payment to equal the $52,000 you
                      requested. The second Purchase Payment is subject to an 6% withdrawal charge. We calculate the total amount withdrawn and its withdrawal charge as follows: <br>
                    <font style="font-weight:bold;"> (the amount you receive) &#247; (1 &#8211; withdrawal charge) = amount withdrawn, or: <br>
                    </font> $23,000 &#247; 0.94 = $24,468. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.69%;"> Number of Complete <br>
                     Years Since <br>
                     Purchase Payment </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:2.5pt;padding-left:6pt; padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:23.92%;"> Withdrawal Charge <br>
                     Amount </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:49.38%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt Solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt; padding-top:2.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.69%;"> 0 <br>
                     1 <br>
                     2 <br>
                     3 <br>
                     4 <br>
                     5 <br>
                     6 years or more </td>
                  <td style="border-bottom:0.5pt Solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt; padding-right:6pt;padding-top:2.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:23.92%;"> 7% <br>
                     6% <br>
                     5% <br>
                     4% <br>
                     3% <br>
                     2% <br>
                     0% </td>
                  <td style="border-bottom:0.5pt Solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:2.00%;"> &#160; </td>
                  <td style="border-bottom:0.5pt Solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:49.38%;"> &#160; </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:55pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;48&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_40"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.58%;" id="z51c38378824c40deab2535a021777efe">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;" colspan="2"> Calculating a Withdrawal Charge </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:49.38%;"> Example </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt; padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:50.62%;" colspan="2"> 4.&#8194; Finally we withdraw any Contract earnings. This withdrawal is not subject to a withdrawal
                      charge and it does not reduce the Withdrawal Charge Basis. </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;"> 4.&#8194; <font style="font-weight:bold;"> Contract earnings. </font> We already withdrew your requested amount, so this does not
                      apply. <br>
                    <font style="font-weight:bold;"> In total we withdrew $53,468 from your Contract, of which you received $52,000 and paid a withdrawal charge of $1,468. We also reduced the 1st Purchase Payment from $30,000 to $0, and your 2nd Purchase
                        Payment from $70,000 to $45,532 ($70,000 - </font><font style="font-weight:bold;"> $24,468). </font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Upon a full withdrawal, we first deduct
              any final product fee and contract maintenance charge from your Contract Value before we calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the remaining
              amount. For a partial withdrawal we pay you the amount you requested and deduct this amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including any withdrawal charge) proportionately from each
              Allocation Option unless you provide us with alternate instructions. If a partial withdrawal occurs on a day that we also deduct the product fee and/or contract maintenance charge, we deduct these fees and expenses before we calculate and
              deduct the partial withdrawal and any withdrawal charge from the Contract Value. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The withdrawal charge compensates us for expenses associated with
            selling the Contract.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Reduction or Elimination of the Withdrawal Charge</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may reduce or eliminate the withdrawal charge when the
            Contract is sold under circumstances that reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or if a
            prospective purchaser already has a relationship with us. We may choose not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life of New York or any of its affiliates. Also, we may reduce or
            eliminate the withdrawal charge when a Contract is sold by a Financial Professional appointed with Allianz Life of New York to any members of his or her immediate family and the Financial Professional waives their commission. We must
            pre-approve any withdrawal charge reduction or elimination.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zb5f06053ba6147bc84c67f1cc9ed1325">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Upon a full withdrawal the free
                      withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within the withdrawal charge period. <font style="font-weight:bold;"> On a full withdrawal your Withdrawal
                        Charge Basis may be greater than </font><font style="font-weight:bold;"> your Contract Value because the following reduce your Contract Value, </font><font style="font-weight:bold;"> but do not reduce your Withdrawal
                        Charge Basis: </font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; <font style="font-weight:bold;"> deductions we make for Contract fees and expenses other than the withdrawal charge, and/or </font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> &#8211;&#8194; <font style="font-weight:bold;"> poor performance. </font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:13pt;padding-left:32pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;"> This also means that upon a full withdrawal you may not receive any money. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Withdrawals may also be
                      subject to <font style="font-weight:bold;"> ordinary income taxes, and a 10% additional federal tax if you are under age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; </font><font style="font-size:6pt;font-weight:bold;line-height:9pt;"> 2 </font><font style="font-weight:bold;"> , and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment </font> <font style="font-style:italic;font-weight:bold;"> (which can be negative) </font> . </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; For tax
                      purposes in most instances, withdrawals from Non-Qualified Contracts are considered to come from earnings first, not Purchase Payments. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Transfer Fee</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The first twelve transfers between Variable Options every
            Contract Year are free. After that, we deduct a $25 transfer fee for each additional transfer. We count all transfers made in the same Business Day as one transfer. We do not count transfers between the Variable Options and Index Options or
            reallocation of Index Option Value among the Index Options against the free transfers we allow and these transfers are not subject to a transfer fee. The transfer fee continues to apply under death benefit payment Option B, and with optional
            payments under death benefit payment Option C as noted in section 9, Death Benefit.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We deduct the transfer fee on a dollar for
              dollar basis from the amount of Variable Account Value being transferred before allocating the remaining Variable Account Value to your selected Variable Options. We do not treat the deduction of the transfer fee as a withdrawal when
              computing the Guaranteed Death Benefit Value under the Traditional Death Benefit. </div>
        </div>
        <div style="margin-top:28pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;49&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_41"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Premium Tax</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Premium tax is based on your state of residence at the time you
            make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase Payment,
            depending on the state or governmental entity. New York does not currently assess a premium tax.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Income Tax</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Currently, we do not deduct any Contract related income tax we
            incur, although we reserve the right to do so in the future.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Variable Option Expenses</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Variable Options' assets are subject to operating expenses
            (including management fees). These expenses are described in the Fee Tables and 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.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">7.<font style="text-transform:uppercase;">&#160;&#160;Access to
              Your Money</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your Contract Value is available under the following
            circumstances:</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zffcf2e443f38425ab85bff7f2677bdfe">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> by
                      taking a withdrawal (including withdrawals under the free withdrawal privilege, systematic withdrawal program, and waiver of withdrawal charge benefit; and for Qualified Contracts only, RMD payments under our minimum distribution
                      program); </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="za6d030f8d5c74a1caa0f330913f95539">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> by
                      taking Annuity Payments; or </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> when we pay a death benefit. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">You can take withdrawals during the Accumulation Phase. We
            process withdrawal requests based on values next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. We process any withdrawal request received at or after
            the end of the current Business Day using values determined on the next Business Day.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Any partial withdrawal must be for at least $100.* The Contract
            Value after a partial withdrawal must be at least $2,000.* <font style="font-weight:bold;">We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal.</font></div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:1pt;width:100%;" id="zf2d685f92dd4496d875b3c0a1864fff7">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;"> * </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;"> Does
                      not apply to RMD payments under our required minimum distribution program. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We deduct any partial withdrawal (including any withdrawal
            charge) proportionately from each Allocation Option unless you provide us with alternate instructions.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> When you take a full withdrawal of the
              Contract Value we process your request on the Business Day we receive it in Good Order at our Service Center as follows: </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zc8f94161968344c6b35c5e710f66413a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> total
                      Contract Value, </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zf1e7fa044ceb4fe4a96368784c759b73">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> less
                      any final product fee and contract maintenance charge, and </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z60be87680ebb4b309136a74754ddf147">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">less
                    any withdrawal charge. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">See the Fee Tables and section 6, Expenses for a discussion of
            the Contract fees and expenses.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We pay withdrawals promptly, but in no event later than seven
            days after receipt of your request in Good Order at our Service Center, unless the suspension of payments or transfers provision is in effect (see the discussion later in this section).</div>
        </div>
        <div style="margin-top:112pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;50&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_42"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z7a66f63b4d2748ed835529a309d295c0">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Arial;font-family:Times New Roman;font-size:9pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:bold;font-weight:Normal;line-height:12pt;line-height:13pt; padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; Withdrawals may be subject to a withdrawal
                      charge, state and federal taxation, and a 10% additional federal tax if you are under age 59 <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; <font style="font-size:6pt;line-height:9pt;"> 2 </font> , and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment <font style="font-style:italic;font-weight:bold;"> (which can be
                        negative) </font> . </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;"> &#8226;&#8194; <font style="font-weight:bold;"> Joint Owners: </font> We send one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or&#160;if the&#160;Contract&#160;has a&#160;number starting with GAZ, we tax both Joint Owner's based
                      on the age of the older Joint Owner.&#160;For Contracts issued&#160;on or after August&#160;24, 2015 that have a number starting with AV, we&#160;tax each Joint Owner individually. <font style="font-style:italic;font-weight:bold;"> Taxing each
                        Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59 <sup style="font-style: italic; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#8202;1 </sup> &#8260; </font><font style="font-size:6pt;font-style:italic;font-weight:bold;line-height:9pt;"> 2 </font><font style="font-style:italic;font-weight:bold;"> because that Joint Owner will be subject to the 10% additional federal tax. </font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; "> &#8226;&#8194; We may be
                      required to provide information about you or your Contract to government regulators. We may also be required to stop Contract disbursements and thereby refuse any transfer requests, and refuse to pay any withdrawals (including a full
                      withdrawal), or death benefits until we receive instructions from the appropriate regulator. If, pursuant to SEC rules, the AZL Government Money Market Fund suspends payment of redemption proceeds in connection with a fund
                      liquidation, we will delay payment of any transfer, full or partial withdrawal, or death benefit from the AZL Government Money Market Fund subaccount until the fund is liquidated. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:495pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;51&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_43"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Free Withdrawal Privilege</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Each Contract Year during the Accumulation
              Phase, you can withdraw up to 10% of your total Purchase Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount available to you in
              the next Contract Year. Withdrawals from Purchase Payments that are outside the six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. RMD payments you take under our minimum
              distribution program are not subject to a withdrawal charge, but do reduce your free withdrawal privilege. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zae76da6af10841ef9cbf322cdbbc4099">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The free withdrawal privilege is not available upon a full withdrawal. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Systematic Withdrawal Program</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The systematic withdrawal program can
              provide automatic withdrawal payments to you during the Accumulation Phase. You can request to receive these withdrawal payments monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make
              annual payments. The minimum amount you can withdraw under this program is $100 and there is no maximum. During the withdrawal charge period (if applicable), systematic withdrawals in excess of the free withdrawal privilege are subject to a
              withdrawal charge. We make systematic withdrawals on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your systematic withdrawal program form instructions in Good Order at our Service Center
              before the end of the Business Day before we process these withdrawals, or your program does not begin until the next month. This program ends at 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. </div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z468843169dc34007b34346f9c14383ee">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">Ordinary

                      income taxes and tax penalties may apply to systematic withdrawals.</font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; <font style="font-weight:bold;">The systematic withdrawal program is not available while you are receiving required minimum distribution payments.</font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Minimum Distribution Program and Required Minimum Distribution
            (RMD) Payments</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you own an IRA or SEP IRA Contract, you can participate in the
            minimum distribution program during the Accumulation Phase. If you have an Inherited IRA Contract 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 can make payments to you on a monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. You cannot aggregate RMD payments between this Contract and other
            qualified contracts that you own. We make RMD payments on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your program form instructions in Good Order at our Service Center before the end of
            the Business Day before we process these payments, or your program does not begin until the next month.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="za8f6c6e490a6411bb779cc49559bb822">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">You

                      should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.</font> </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:13pt; line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; <font style="font-weight:bold;">The minimum distribution program is not available while you are receiving systematic withdrawals.</font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Waiver of Withdrawal Charge Benefit</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">After the first Contract Year, if any Owner becomes confined to a
            nursing home for a period of at least 90 consecutive days and a physician certifies that continued confinement is necessary, you can take withdrawals and we waive the withdrawal charge. 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.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Suspension of Payments or Transfers</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may be required to suspend or postpone transfers or payments
            for withdrawals for more than seven days after receipt of your request in Good Order at our Service Center, for any period when:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z63c27e5f8a5746698fdd868ebc28a83c">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the New
                    York Stock Exchange is closed (other than customary weekend and holiday closings); </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">trading on the New York Stock Exchange is restricted; </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;52&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_44"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;" id="z7c7e6a6c28054290b1f5db90ff88d110">

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

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">8.<font style="text-transform:uppercase;">&#160;&#160;The
              Annuity Phase</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> Prior to annuitization, you can take a
              full withdrawal and receive your total Contract Value (less the withdrawal charge, and final product fee and contract maintenance charge). If you take a full withdrawal on any day other than 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. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuity Payments offer a guaranteed lifetime income stream with
            certain tax advantages and are designed for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can apply your Contract Value to regular periodic fixed
            Annuity Payments. The Payee receives the Annuity Payments. You receive tax reporting on the payments, whether or not you are the Payee. We may require proof of the Annuitant(s)&#8217; age before we make any life contingent Annuity Payment. If you
            misstate the Annuitant(s)&#8217; age or gender, we recalculate the Annuity Payments based on the correct age or gender.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Calculating Your Annuity Payments</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We base Annuity Payments upon the following:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z7158e5a56df5461daab8ca9e0edc5bdd">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                    Contract Value less the final product fee on the Annuity Date. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The age
                    of the Annuitant and any joint Annuitant on the Annuity Date. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                    gender of the Annuitant and any joint Annuitant where permitted. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                    Annuity Option you select. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Your Contract&#8217;s interest rate (or current rates, if higher) and mortality table. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If the Annuity Date is not a Term End
              Date, Contract Value reflects&#160;the Daily Adjustment if&#160;you selected an Index Option. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payment option period that you
              selected, except as provided under Annuity Option 3. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Annuity Payment Options</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can choose one of the Annuity Options described below&#160;or any
            other payment option to which we agree. After Annuity Payments begin, you cannot change the Annuity Option.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option 1. Life Annuity.<font style="font-weight:Normal;"> We make
              Annuity Payments during the life of the Annuitant, and the last payment is the one that is due before the Annuitant&#8217;s death. If the Annuitant dies shortly after the Annuity Date, the Payee may receive less than your investment in the
              Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option 2. Life Annuity with Payments Over 5, 10, 15 or 20 Years
            Guaranteed.<font style="font-weight:Normal;"> We make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option 3. Joint and Last Survivor Annuity.<font style="font-weight:Normal;"> We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant,
              at a level of 100%, 75% or 50% selected by the Owner when he or she chose this Annuity Payment option. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option 4. Joint and Last Survivor Annuity with Payments Over 5, 10,
            15 or 20 Years Guaranteed. <font style="font-weight:Normal;">We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant, with payments for a minimum guaranteed period that you select.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option 5. Refund Life Annuity. <font style="font-weight:Normal;">We
              make Annuity Payments during the lifetime of the Annuitant, and the last payment is the one that is due before the Annuitant&#8217;s death. After the Annuitant&#8217;s death, the Payee may receive a lump sum refund. The amount of the refund equals the
              amount applied to this Annuity Option minus the total paid under this option.</font></div>
        </div>
        <div style="margin-top:26pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;53&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_45"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Under Annuity Options 1, 3 and 5, if all Annuitants die on or
            after the Annuity Date and before we send the first Annuity Payment, we will cancel Annuity Payments and upon receipt of a Valid Claim we will pay the Contract Value determined on the Annuity Date to surviving individual Owner, or the
            Beneficiary(s) if there is no surviving Owner. If the Owner is a non-individual, we pay the Owner.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">After the Annuitant&#8217;s death under Annuity Option 2, or the last
            surviving joint Annuitant's death under Annuity Option 4, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last surviving Owner&#8217;s
            Beneficiaries, or to the last surviving Owner&#8217;s estate if there are no remaining or named Beneficiaries.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuity Payments are usually lower if you select an Annuity
            Option that requires us to make more frequent Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for an older
            Annuitant and payout rates for life with a guaranteed period are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 20-year guaranteed period are less than payout rates for a
            10-year guaranteed period, and payout rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="zf59e40d8e60845069e7fff5d76a73394">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">If you do not choose an Annuity Option before the Annuity Date, we make Annuity Payments to the Payee under Annuity Option 2 with ten years of guaranteed monthly
                    payments. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">When Annuity Payments Begin</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Annuity Payments begin on the Annuity Date. Your scheduled
            Annuity Date is the first day of the calendar month following the Annuitant&#8217;s 90th birthday and is stated in your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy minimum required distribution rules under certain
            Qualified Contracts. <font style="font-style:italic;font-weight:bold;">You can make an authorized request for a different, earlier or later Annuity Date after the Issue Date, but any such request is subject to applicable law and our approval.</font>
            An earlier or later Annuity Date may not be available to you depending on the Financial Professional you purchase your Contract through and your state of residence. Your Annuity Date must be at least 13 months after the Issue Date.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z2cdd08415752438db2a496d30d6790ab">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">If on the Annuity Date (which may occur as early as age 90 or as late as age 100) your Contract Value is greater than zero, you must annuitize the Contract.<font style="font-weight:Normal;"> We notify you of your available options in writing 60 days in advance, including the option to extend your Annuity Date if available. </font><font style="font-style:italic;">If on your Annuity Date you
                      have not selected an Annuity Option, we make payments under Annuity Option 2 with ten years of guaranteed monthly payments.</font><font style="font-weight:Normal;"> Upon annuitization you no longer have Contract Value or a death
                      benefit, and you cannot receive any other periodic withdrawals or payments other than Annuity Payments.</font> </td>
                </tr>

            </table>
          </div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">9.<font style="text-transform:uppercase;">&#160;&#160;Death
              Benefit</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">&#8220;You&#8221; in this section refers to the Owner, or the Annuitant if
            the Contract is owned by a non-individual.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The death benefit is only available during the Accumulation Phase.<font style="font-weight:Normal;"> If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof
              of death as stated here. (For information on due proof of death see the Glossary &#8211; Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day&#8217;s prices.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If there are multiple Beneficiaries, each Beneficiary receives
            the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary&#8217;s interest in this Contract ends unless your Beneficiary designation
            specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay Beneficiaries a specific
            percentage of the death benefit, each Beneficiary receives an equal share.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Each Beneficiary&#8217;s portion of the death benefit remains in the
            Allocation Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is
            Variable Account Value in the AZL Government Money Market Fund on the date of death, it remains there until the earlier of the next Index Anniversary, or the date we receive a Valid Claim. If an Index Anniversary occurs before we receive a
            Valid Claim, we will transfer that Beneficiary&#8217;s portion of the Variable Account Value to the Allocation Options based on the allocation instructions that were in effect on the date of death.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;54&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_46"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">From the time we determine the death benefit until we make a
            complete distribution, any amount in the Allocation Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we
            receive the first Valid Claim from any Beneficiary we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> On the first death of a Determining Life
              during the Accumulation Phase, if the Traditional Death Benefit is in effect your Beneficiary(s) will receive the greater of the Contract Value or Guaranteed Death Benefit Value (total Purchase Payments adjusted for withdrawals). </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> 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 style="font-style:italic;font-weight:bold;"> All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals. </font> However, we do not reduce the Guaranteed Death Benefit
              Value for deductions we make for Contract fees and expenses. <font style="font-style:italic;font-weight:bold;"> Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn, and
                because the death benefit is based on the greater of Contract Value or the Guaranteed Death Benefit Value, this may </font><font style="font-style:italic;font-weight:bold;"> </font> reduce the death benefit available to your
              Beneficiaries. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">What Happens Upon Death?</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If you are the Determining Life, or if you
              and the Determining Life (Lives) are different individuals and die simultaneously as described in the discussion of Beneficiaries in section 2, Ownership, Annuitants, Determining Life, Beneficiaries and Payees, we determine the Traditional
              Death Benefit at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the: </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="zeb1f46d616c84963936907dfb93b833d">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Guaranteed
                      Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If you and the Determining Life (Lives) are different individuals
            and do not die simultaneously, the death benefit is as follows. <font style="font-style:italic;font-weight:bold;">This can only occur if you change the Owner after the Issue Date.</font></div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zc052f497098c4defa3ccc0ab899be320">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> If a
                      Determining Life dies before you, we do not pay a death benefit to the Beneficiary(s) but we may increase the Contract Value if the Traditional Death Benefit is still in effect <font style="font-weight:Normal;"> . At the end of
                        the Business Day we receive due proof of a Determining Life&#8217;s death we increase the Contract Value to equal&#160;the Guaranteed Death Benefit Value if greater, </font><font style="font-style:italic;"> and the Traditional Death
                        Benefit ends </font><font style="font-weight:Normal;"> . We allocate any Contract Value increase to the Allocation Options according to your Purchase Payment default instructions. 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> </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z51e43e85bf70471ab49df103b265e71e">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon
                    your death your Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive each Beneficiary&#8217;s Valid Claim. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The Traditional Death Benefit ends upon the earliest of the
            following.</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z02a0c6f64b5f44d9a43712d9561c6ce7">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                    Business Day before the Annuity Date. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z0fbccb867f1c490da6cdfa3f33e18411">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> The
                      Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z59a0b9976c7640c8850f4dca12a3d41f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon
                    the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are different individuals
                    and die simultaneously. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon
                    the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life&#8217;s death if you and the Determining Life (Lives) are different individuals and do not die simultaneously. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Upon
                    the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">The Business Day the Contract ends. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
        </div>
        <div style="margin-top:45pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;55&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_47"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="ze4ae945d6ac94a69849b41846d653286">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">We base the Traditional Death Benefit on the first death of a Determining Life (or Lives). This means that upon the death of an Owner (or Annuitant if the Owner is
                    a non-individual), <font style="font-style:italic;font-weight:bold;">if a surviving spouse continues</font> <font style="font-style:italic;font-weight:bold;">the Contract the Traditional Death Benefit is no longer available</font>. <font style="font-style:italic;font-weight:bold;">Also, if you and the Determining Life (Lives) are different individuals and you die first, the Traditional Death Benefit is not available to your Beneficiary(s).</font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Death of the Owner and/or Annuitant</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Appendix A to the Form N-4 SAI includes tables that are
            intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different portions of the Contract.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Death Benefit Payment Options During the Accumulation Phase</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="za699982e21d042c58b80b53c6957a970">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">For
                    Contracts without the Index Protection NY Strategy:<font style="font-weight:Normal;"> If you do not designate a death benefit payment option, a Beneficiary must select one of the options listed below. If no death benefit payment option
                      is selected, we default payment to Option B.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">For Contract with the Index Protection NY Strategy:<font style="font-weight:Normal;"> Each Beneficiary must select one of the death benefit payment options listed below.</font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If a Beneficiary requests a lump sum payment under Option A, we
            pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> Spousal Continuation: <font style="font-weight:Normal;">
                If the Beneficiary is the deceased Owner&#8217;s spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For an IRA, Roth IRA, or SEP IRA Contract, spousal
                continuation can only occur if the surviving spouse is the Contract&#8217;s sole primary Beneficiary. For non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct rollover to an IRA. </font> Spouses
              must qualify as such under federal law to continue the Contract. <font style="font-weight:Normal;"> Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered
                to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the deceased Owner was a
                Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim we increase the Contract Value to equal&#160;the Guaranteed Death Benefit Value if greater and
                available, and the Traditional Death Benefit ends. We allocate any Contract Value increase to the Allocation Options according to Purchase Payment default instructions. If 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>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z8858c333639b43cdb0a56473dd799e1a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> he
                      or she becomes the new Owner and may exercise all of the Owner&#8217;s rights, including naming a new Beneficiary or Beneficiaries; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> he
                      or she is subject to any remaining withdrawal charge; and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> upon the surviving spouse&#8217;s death their Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Death Benefit Payment Options</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option A:<font style="font-weight:Normal;"> Lump sum payment of the
              death benefit.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option B:<font style="font-weight:Normal;"> Payment of the entire
              death benefit within five years of the date of any Owner&#8217;s death. The Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Option C:<font style="font-weight:Normal;"> If the Beneficiary is
              an individual, payment of the death benefit as Annuity Payments under Annuity Options 1, 2, or 5. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary&#8217;s life expectancy under
              which the Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee. </font><font style="font-style:italic;">Option C may not be available on a Qualified Contract.</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Distribution from Non-Qualified Contracts must begin within one
            year of the date of the Owner&#8217;s death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner&#8217;s death must be distributed within five years of the date of death.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If a Non-Qualified Contract is owned by a non-individual, then we
            treat the death of an Annuitant as the death of an Owner for purposes of the Code&#8217;s distribution at death rules, which are set forth in Section 72(s) of the Code.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;56&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_48"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">In all events, notwithstanding any provision to the contrary in
            the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Other rules may apply to Qualified Contracts, such as all
            distributions must be made to Beneficiaries by the end of the tenth year after the Owner's death, except for distributions made to certain eligible designated Beneficiaries. The available options for certain Beneficiaries of Qualified Contracts
            have changed due to the enactment of the SECURE Act at the end of 2019.</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">10.<font style="text-transform:uppercase;">&#160;&#160;Taxes</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">This section provides a summary explanation of the tax
            ramifications of purchasing a Contract. More detailed information about product taxation is contained in the Statement of Additional Information, which is available by calling the toll-free telephone number at the back of this prospectus. <font style="font-weight:bold;">We do not provide individual tax advice. You should contact your tax adviser to discuss this Contract&#8217;s effects on your personal tax situation.</font></div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Qualified and Non-Qualified Contracts</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can purchase either a Qualified Contract or a Non-Qualified
            Contract. A Qualified Contract is purchased pursuant to a specialized provision of the Code. For example, a Contract may be purchased pursuant to Section 408 of the Code as an IRA.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Qualified Contracts are subject to certain restrictions,
            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.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Currently, we offer the following types of Qualified Contracts.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;" id="z3f3881a658fe4a56bae56b791846f946">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:0pt;padding-right:9pt; padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:31.40%;">Type of Contract </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.75pt;padding-left:9pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:bottom;width:70.42%;">Persons and Entities that can buy the Contract </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:31.40%;">IRA </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Roth IRA </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Simplified Employee Pension (SEP) IRA </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Certain Code Section 401 Plans </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">A qualified retirement plan is the Owner and the Annuitant must be an individual.<br>
                    We may determine which types of qualified retirement plans are eligible to purchase this Contract. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:0pt;padding-right:9pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Inherited IRA and Inherited Roth IRA </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:4pt;padding-left:9pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. The deceased owner of the previously held tax-qualified arrangement will also be listed in
                    the titling of the Contract. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If you purchase a Qualified Contract, you already receive the
            benefit of tax deferral through the qualified plan, and so you should purchase this Contract for purposes other than tax deferral.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can instead purchase a Non-Qualified Contract, which is not
            qualified pursuant to a specialized provision of the Code. There are no Code restrictions on annual contributions to a Non-Qualified Contract or how much you can earn and still contribute to a Contract.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Taxation of Annuity Contracts</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Contract has the following tax characteristics.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z76ee10ba7ff740b683967c17c4b4901f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Taxes
                    on earnings are deferred until you take money out. Non-Qualified Contracts owned by corporations or partnerships do not receive income tax deferral on earnings. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">When
                    you take money out of a Non-Qualified Contract, earnings are generally subject to federal income tax and applicable state income tax. All pre-tax money distributed from Qualified Contracts are subject to federal and state income tax,
                    but qualified distributions from Roth IRA Contracts are not subject to federal income tax. This prospectus does not address specific state tax laws. You should discuss state taxation with your tax adviser. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Taxable distributions are subject to an ordinary income tax rate, rather than a capital gains rate. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:26pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;57&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_49"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;" id="zb6962b31233f4fe58546dee62b273e45">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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.) Please consult a tax adviser for more information. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    take partial withdrawals from your Non-Qualified Contract, the withdrawals are generally taxed as though you were paid taxable earnings first, and then as a non-taxable return of Purchase Payments. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    annuitize your Non-Qualified Contract and receive a stream of Annuity Payments, you receive the benefit of the 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. Purchase Payments are treated as a non-taxable return of principal, whereas earnings are taxable. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    take partial withdrawals or annuitize a Qualified Contract, you will be responsible for determining what portion, if any, of the distribution consists of after-tax money. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    take out earnings before age 59<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#8202;1</sup>&#8260;<font style="font-size:6pt;line-height:9pt;">2</font>, you may be subject to a 10% additional federal tax,
                    unless you take a lifetime annuitization of your Contract or you take money out in a stream of substantially equal payments over your expected life in accordance with the requirements of the Code. If the Contract is jointly owned, we
                    send&#160;one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or&#160;if the&#160;Contract&#160;has a&#160;number starting with GAZ, we tax both Joint Owner's based on the age of the older Joint Owner.&#160;For Contracts issued&#160;on or
                    after August&#160;24, 2015 that have a number starting with AV, we&#160;tax each Joint Owner individually.&#160;<font style="font-style:italic;font-weight:bold;">Taxing each Joint Owner individually can create a discrepancy in taxation if only one
                      Joint Owner is under age 59<sup style="font-style: italic; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#8202;1</sup>&#8260;</font><font style="font-size:6pt;font-style:italic;font-weight:bold;line-height:9pt;">2</font><font style="font-style:italic;font-weight:bold;"> because that Joint Owner will be subject to the 10% additional federal tax.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">A
                    pledge, assignment, or ownership change of a Contract may be treated as a taxable event. You should discuss any pledge, assignment, or ownership change of a Contract with your tax adviser. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                    purchase multiple non-qualified deferred annuity contracts from an affiliated group of companies in one calendar year, these contracts are treated as one contract for purposes of determining the tax consequences of any distribution. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Death
                    benefit proceeds from Non-Qualified Contracts are taxable to the beneficiary as ordinary income to the extent of any earnings. Death benefit proceeds must be paid out in accordance with the requirements of the Code. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Depending upon the type of Qualified Contract you own, required minimum distributions (RMDs) must be satisfied when you reach a certain age. 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. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Tax-Free Section 1035 Exchanges</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Subject to certain restrictions, you can make a &#8220;tax-free&#8221;
            exchange under Section 1035 of the Code for all or a portion of one non-qualified annuity contract for another, or all of a life insurance policy for a non-qualified annuity contract. Before making an exchange, you should compare both contracts
            carefully. Remember that if you exchange a life insurance policy or annuity contract for the Contract described in this prospectus:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z5032801473d14b8aac34bb25f5c034d1">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">you
                    might have to pay a withdrawal charge on your previous contract, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">there
                    is a new withdrawal charge period for this Contract, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">other
                    fees and expenses under this Contract may be higher (or lower), </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the
                    benefits may be different, and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">you no longer have access to any benefits from your previous contract. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If the exchange does not qualify for Section 1035 treatment, you
            also may have to pay federal income tax, including a possible additional federal tax, on the exchange. You should not exchange an existing life insurance policy or another annuity contract for this Contract unless you determine the exchange is
            in your best interest and not just better for the person selling you the Contract&#160;who generally earns a commission on each sale. You should consult a tax adviser to discuss the potential tax effects before making a 1035 exchange.</div>
        </div>
        <div style="margin-top:64pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;58&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_50"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">11.<font style="text-transform:uppercase;">&#160;&#160;Other
              Information</font></div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">The Registered Separate Account</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We established Allianz Life of NY Variable Account C (the
            Separate Account, formerly Preferred Life Variable Account C), as a separate account under New York State insurance law on February 26, 1988. The Separate Account is registered with the SEC as a unit investment trust under the Investment
            Company Act of 1940. The SEC does not supervise our management of the Separate Account.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Separate Account holds the Variable Options' shares that have
            been purchased with Contract assets. We keep the Separate Account assets separate from the assets of our general account and other separate accounts, including the non-unitized separate accounts we established in connection with the Index
            Options. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We own the assets of the Separate Account. We credit gains to or
            charge losses against the Separate Account, whether or not realized, without regard to the performance of other investment accounts. The Separate Account&#8217;s assets are insulated, so that the assets cannot be used to pay any of our liabilities,
            other than those arising from the investment of Contract assets in the Variable Options.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If the Separate Account&#8217;s assets exceed the required reserves and
            other liabilities, we may transfer the excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life of New York.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Our General Account</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our general account holds all our assets other than assets in our
            separate accounts. We own our general account assets, and, subject to applicable law, have sole investment discretion over them. The assets are subject to our general business operation liabilities and claims of our creditors and may lose
            value. We have not registered our general account as an investment company under the Investment Company Act of 1940.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our general account assets fund guarantees provided in the
            Contracts. Contract Value that you apply to Annuity Payments becomes part of our general account.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Our Unregistered Separate Account</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We allocate all assets backing the Index Options to an
            unregistered, non-unitized, non-insulated separate account (Separate Account IANY), which we established under New York Insurance Law solely for the purpose of supporting our obligations to pay Performance Credits associated with the Index
            Options. Separate Account IANY has two subaccounts: Subaccount IABV (which is a book value subaccount) and Subaccount IAMV (which is a market value subaccount).</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Initially, a substantial majority of the aggregate assets backing
            the Index Options are allocated to Subaccount IABV. We hold all other assets that you allocate to the Index Options that are not invested in Subaccount IABV in Subaccount IAMV. Subsequently, there may be significant transfer of assets between
            Subaccount IABV and Subaccount IAMV in response to Index performance during the then-current Index Year. We typically transfer assets between the subaccounts if there is a 10% incremental change in year-to-date Index performance. For the Index
            Performance Strategy this starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change allocations daily if needed based
            on this 10% increment.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We invest the assets in Subaccount IAMV in hedging instruments,
            including derivative investments such as put and call options, as well as cash and fixed income securities. Like our general account, the assets in Separate Account IANY are subject to our general business operation liabilities and the claims
            of our creditors.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">An Owner who allocates Contract Value to an Index Option does not
            have any interest in or claim on the assets in Separate Account IANY. In addition, neither the Owner nor the Index Options participate in any way in the performance of assets held in Separate Account IANY.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Distribution</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life Financial Services, LLC (ALFS), a wholly owned
            subsidiary of Allianz Life Insurance Company of North America, serves as principal underwriter for the Contracts. ALFS is a limited liability company organized in Minnesota, and is located at 5701 Golden Hills Drive, Minneapolis, MN 55416. ALFS
            is registered as a broker-dealer with the SEC under the Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial Industry Regulatory Authority (FINRA). ALFS
            is not a member of Securities Investors</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;59&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_51"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">Protection Corporation. More information about ALFS is available at www.finra.org
            or by calling 1-800-289-9999. You also can obtain an investor brochure from FINRA describing its Public Disclosure Program.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We have entered into a distribution agreement with ALFS for the
            distribution of the Contracts. ALFS also may perform various administrative services on our behalf.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may fund ALFS operating and other expenses, including:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="z6fdc128bf57e4d088411e3f64bfe3177">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; white-space:nowrap;width:97.17%;">overhead, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">legal
                    fees, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">accounting
                    fees, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Financial
                    Professional training, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">compensation
                    for the ALFS management team, and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">other expenses associated with the Contracts. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Financial Professionals and their managers may also be eligible
            for various benefits, such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with ALFS. Non-cash items include conferences, seminars and trips (including travel, lodging and meals
            in connection therewith), entertainment, awards, merchandise and other similar items.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">ALFS does not itself sell the Contracts on a retail basis.
            Rather, ALFS enters into selling agreements with other broker-dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. We pay sales commissions to the selling firms and their Financial Professionals. The maximum
            commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at
            the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We and/or ALFS may make bonus payments to certain selling firms
            based on aggregate sales of our variable insurance contracts (including this Contract) or persistency standards, or as part of a special promotion. These additional payments are not offered to all selling firms, and the terms of any particular
            agreement governing the payments may vary among selling firms. In some instances, the amount paid may be significant.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">A portion of the payments made to selling firms may be passed on
            to their Financial Professionals. Financial Professionals may receive cash and non-cash compensation and other benefits. Ask your Financial Professional for further information about what they and their firm may receive in connection with your
            purchase of a Contract.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Commissions paid on the Contract, including other incentives or
            payments, are not charged directly to the Owners or the Separate Account. We intend to recover commissions and other expenses indirectly through fees and expenses imposed under the Contract.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Broker-dealers and their Financial Professionals and managers
            involved in sales of the Contracts may receive payments from us for administrative and other services that do not directly involve the sale of the Contracts, including payments made for recordkeeping, the recruitment and training of personnel,
            production of promotional literature and similar services. In addition, certain firms and their Financial Professionals may receive compensation for distribution and administrative services when acting in a wholesaling capacity and working with
            retail firms.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">In certain instances, we and/or ALFS may make payments to a
            broker-dealer for inclusion of this Contract in its list of products that it offers for sale.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We and/or ALFS may pay certain selling firms additional marketing
            support allowances for:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;" id="zf28a4263522640a882bd0027c9f430fe">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">marketing
                    services and increased access to their Financial Professionals; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">sales
                    promotions relating to the Contracts; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">costs
                    associated with sales conferences and educational seminars; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the
                    cost of client meetings and presentations; and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">other sales expenses incurred by them. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We retain substantial discretion in determining whether to grant
            a marketing support payment to a particular broker-dealer firm and the amount of any such payment.</div>
        </div>
        <div style="margin-top:10pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;60&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_52"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may also make payments for marketing and wholesaling support
            to broker-dealer affiliates of Variable Options that are available through the variable annuities we offer.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Additional information regarding marketing support payments can
            be found in the Distributor section of the Statement of Additional Information.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Variable Options may assess a Rule 12b-1 fee. These fees are
            paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the Variable Option&#8217;s plan. These fees typically equal 0.25% of a Variable Option&#8217;s average daily net assets.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">In certain instances, an investment adviser and/or subadviser
            (and/or their affiliates) of a Variable Option may make payments for administrative services to ALFS or its affiliates.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We offer the Contracts to the public on a continuous basis. We
            anticipate continuing to offer the Contracts but reserve the right to discontinue the offering.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Additional Credits for Certain Groups</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We may credit additional amounts to a Contract instead of
            modifying charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Administration/Allianz Service Center</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Allianz Service Center performs certain administrative
            services regarding the Contracts and is located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine customer
            services performed by our Service Center include processing and mailing of account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life Insurance Company of North America (as service provider
            for the Contracts) also contracts with Tata Consultancy Services (Tata) located at #42(P) &amp; 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services including:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z5c4316e83a9c40e69db1f8b749b8a88f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">issuance
                    and maintenance of the Contracts, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">maintenance
                    of Owner records, and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">routine customer service including: </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;" id="z7c027f08b05c478c8f4c1af4f24460f9">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">processing
                    of Contract changes, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">processing
                    withdrawal requests (both partial and total), and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;">processing requests for fixed annuity payments. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Services performed by Tata are overseen and quality control
            checked by our Service Center.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">To reduce expenses, only one copy of most financial reports and
            prospectuses, including reports and prospectuses for the Variable Options, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our Service Center at the
            toll-free telephone number listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each contract in future mailings.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Legal Proceedings</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Like other life insurance companies, we from time to time are
            involved in legal proceedings of various kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement payments
            have been made. Although the outcome of any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which we, the Separate Account, or ALFS is a party
            that are reasonably likely to materially affect the Separate Account, our ability to meet our obligations under the Contracts, or ALFS ability to perform its obligations.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Status Pursuant to Securities Exchange Act of 1934</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life of New York hereby relies on the exemption provided
            by Rule 12h-7 under the Securities Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.</div>
        </div>
        <div style="margin-top:30pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;61&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_53"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">12.<font style="text-transform:uppercase;">&#160;&#160;Information

              on Allianz Life of New York</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life of New York is a stock life insurance company
            organized under the laws of the State of New York on September 21, 1982. Our address is 1633 Broadway, 42nd Floor, New York, NY 10019-7585. Before January 1, 2003, Allianz Life of New York was known as Preferred Life Insurance Company of New
            York. We are a subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is also a stock life insurance company. Allianz Life is a subsidiary of Allianz of America, Inc. (AZOA), a financial holding company. AZOA is a
            wholly owned subsidiary of Allianz Europe, B.V., which in turn is a wholly owned subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer registered index-linked annuities and are licensed to do direct business in
            six states, including New York and the District of Columbia.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Directors, Executive Officers and Corporate Governance</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">BOARD OF DIRECTORS</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Board currently consists of nine members, including our Chair
            and Chief Executive Officer, our President, our Chief Financial Officer and Treasurer, our Vice President, Appointed Actuary, three independent outside board members,&#160;and two&#160;other non-independent board members. Age and positions are provided
            as of December 31, 2020, except as otherwise noted.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Board holds regular semi-annual meetings, generally in April
            and November of each year, and holds special meetings or takes action by unanimous written consent as circumstances warrant. The Board has standing Executive, Audit and Evaluation, Conflict of Interest, and Finance Committees, each of which is
            described in further detail below.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The current members of our Board are as follows.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Walter R. White<br>
            Chair, Director, and Chief Executive Officer</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Walter R. White, age 64, joined Allianz Life in 2009, and
            currently serves as the Chair of the Board and Chief Executive Officer of Allianz Life of New York and as Chair of its Conflict of Interest and Executive Committees since January 1, 2012. Mr. White also serves as the President and Chief
            Executive Officer of Allianz Life and as a member of its Board of Directors and its Executive Committee since January 1, 2012. Mr. White also serves as a Director and President of AZOA Services Corporation and as the Chair of its Shared Plans
            Management Committee. Mr. White also serves as a Governor of Allianz Individual Insurance Group, LLC, Allianz Investment Management U.S. LLC and TruChoice Financial Group, LLC, respectively. In addition, Mr. White serves as a Director of
            Questar Capital Corporation, and Questar Agency, Inc., respectively. Mr. White is responsible for leading and overseeing Allianz Life and Allianz Life of New York and providing strategic management and direction. Mr. White previously served as
            the Chair, Chief Executive Officer and President of Allianz Life and Annuity Company from 2012 to 2017 and as a Governor of Allianz Investment Management LLC from 2017 to 2020.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. White brings to the Board extensive financial services and
            brokerage experience as well as key strategic planning and leadership skills developed as the Chief Executive Officer of Allianz Life and the former President of Woodbury Financial.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. White shared his plans to retire as of December 31, 2021. Mr.
            White will be stepping down as Chair of the Board, Director, and Chief Executive Officer of Allianz Life of New York as well as President and Chief Executive Officer of Allianz Life on September 1, 2021, and will be replaced by Jasmine M.
            Jirele, Senior Vice President, Chief Growth Officer of Allianz Life, subject to standard regulatory filings. After his retirement, Mr. White will be nominated to continue to serve as a member of the Allianz Life Board of Directors.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">William E. Gaumond<br>
            Director, Chief Financial Officer and Treasurer</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">William E. Gaumond, age 47, currently serves as the Chief
            Financial Officer and Treasurer, and as a member of the Board of Directors of Allianz Life of New York since January 1, 2016. Mr. Gaumond also serves as Chair of its Finance Committee and as a member of its Executive Committee. Mr. Gaumond
            joined Allianz Life in 2004 and currently serves as the Senior Vice President, Chief Financial Officer and Treasurer, and as a member of its Board of Directors.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. Gaumond also serves as the Chief Financial Officer and
            Treasurer of Allianz Foundation for North America, and as a Governor of TruChoice Financial Group, LLC, Allianz Life Financial Services, LLC and Allianz Investment Management U.S. LLC, respectively. Mr. Gaumond also serves as a Director and
            President of Allianz Fund Investments, Inc., AZL PF Investments, Inc., Dresdner Kleinwort Pfandbriefe Investments II, Inc. and PFP Holdings, Inc., respectively. Mr. Gaumond</div>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">is also a Director of Questar Agency, Inc., Questar Asset Management, Inc.,
            Questar Capital Corporation, Yorktown Financial Companies, Inc., Allianz of America, Inc., Allianz Real Estate of America LLC, and Allianz Technology of America, Inc., respectively. Mr. Gaumond is also a Director and the Senior Vice President
            of AZOA Services Corporation. Mr. Gaumond also serves as a Director and the Chief Financial Officer and Treasurer of Allianz Finance Corporation. Mr. Gaumond is responsible for all finance and risk management functions, with oversight of the
            controller, financial planning, treasury, and corporate risk management areas. Prior to his current roles, Mr. Gaumond spent 12 years in a number of finance and investment-related positions at Allianz Life and its affiliates in various
            executive capacities.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. Gaumond brings to the Board extensive financial services,
            investment, and insurance industry experience, including serving as Chief Financial Officer and Treasurer of Allianz Life and Allianz Life of New York.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Eric J. Thomes<br>
            Director and President</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Eric J. Thomes, age 48, joined Allianz Life of New York on April
            1, 2019, and currently serves as the President and as a member of the Board of Directors. Mr. Thomes also serves as the Senior Vice President, Chief Distribution Officer of Allianz Life. Mr. Thomes also serves as a Governor, and as the Chief
            Executive Officer and Chief Manager of Allianz Life Financial Services, LLC. Mr. Thomes also serves as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC, respectively. Mr. Thomes also serves as the Chair
            and as a Director of Yorktown Financial Companies, Inc., Questar Agency, Inc., Questar Asset Management, Inc., and Questar Capital Corporation, respectively. Mr. Thomes is responsible for the development, design and implementation of Allianz
            Life&#8217;s and Allianz Life of New York&#8217;s sales and distribution strategies. Prior to his current roles, Mr. Thomes served as the Field Senior Vice President, FMO Sales from 2009 to 2019. He also served as the President of Allianz Individual
            Insurance Group, LLC from 2005 to 2018.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. Thomes brings to the Board extensive financial services and
            insurance industry experience.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Steven J. Thiel<br>
            Director and Vice President, Appointed Actuary</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Steven J. Thiel, age 50, joined Allianz Life of New York&#8217;s Board
            of Directors on November 13, 2012 and is the Vice President, Appointed Actuary and is also a member of its Finance Committee. Mr. Thiel also serves as the Vice President, Actuarial Financial Reporting and Analysis of Allianz Life. Mr. Thiel is
            a Director and the President and Chief Executive Officer of Allianz Life Insurance Company of Missouri. Mr. Thiel joined Allianz Life in 2008. Mr. Thiel previously served as the Appointed Actuary of Allianz Life and Annuity Company from 2012 to
            2017 and as a Director and the President and Chief Executive Officer of Allianz Annuity Company of Missouri from 2012 to 2019. Mr. Thiel leads a team responsible for accurate and timely reporting of the actuarial balances for Allianz Life and
            Allianz Life of New York. He is accountable for analyzing aspects of the Company&#8217;s financial performance and delivering key projects that drive financial strength and stability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. Thiel brings to the Board extensive experience in actuarial
            and financial performance matters.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Ronald M. Clark<br>
            Director</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Ronald M. Clark, age 73, joined Allianz Life of New York&#8217;s Board
            of Directors on March 31, 2013, and is a member of its Audit and Evaluation Committee and its Finance Committee. Mr. Clark also serves as a Director and Audit Committee member of Allianz Reinsurance America, Inc. Mr. Clark also serves as a
            Director of Manitex International, Inc., as the Chair of its Compensation Committee, and as a member of its Audit Committee. Mr. Clark has over 40 years of experience in investments, having served as the President of Allianz Investment
            Corporation from 1980 to 1990, the Chief Operating Officer of Allianz of America, Inc. (&#8220;AZOA&#8221;) from 1990 to 2001, the Chief Investment Officer of AZOA from 2002 to 2011, and as a Director of Fireman&#8217;s Fund Insurance Company from 2014 to 2015.
            Mr. Clark previously served as a Director of Allianz Life and as the Chair of its Nomination, Evaluation and Compensation Committee, and as a member of its Audit and Executive Committees from 2014 to 2020.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. Clark brings to the Board extensive experience in the
            financial services and insurance industries, as well as extensive experience with investment matters.</div>
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          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Martha Clark Goss<br>
            Director</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Martha Clark Goss, age 71, 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 35 years of executive experience, primarily in finance and investments
            and risk management. Since 1992, she has served on a number of public and private company boards, has provided independent consulting services to various companies and serves as an instructor for executive leadership training for Deloitte LLP.
            Ms. Goss currently serves as a director of American Water Works Company, Inc. and Neuberger Berman Mutual Funds. Ms. Goss brings to the Board extensive experience in the financial services industry as well as expertise on corporate governance
            and risk management matters. The Board also benefits from her perspective as a current and former director of other companies.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Lorraine Lods<br>
            Director</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Lorraine Lods, age 52, joined Allianz Life of New York&#8217;s Board of
            Directors on October 1, 2018. Ms. Lods has over 25 years of insurance and financial service experience. Ms. Lods currently serves as Regional Vice President of Retirement Consultant for Allianz Life Financial Services, LLC covering the New York
            City-Long Island Territory since 2009. Ms. Lods brings to the Board extensive experience in the insurance industry as well as extensive experience in wholesaling.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Gary A. Smith<br>
            Director</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Gary A. Smith, age 61, joined Allianz Life of New York&#8217;s Board of
            Directors on May 10, 2005. Mr. Smith is Co-Founder and Senior Partner of Ivy Planning Group (Ivy), a 30-year-old management consulting and training company specializing in strategy, diversity, leadership and change management. Mr. Smith has
            over 30 years of experience in strategy, technology, management consulting and executive coaching to large private sector companies and government organizations. Mr. Smith has successfully developed and implemented strategies, led teams, and
            served the needs of a wide spectrum of clients, sharing best practices in management consulting in multiple venues. Mr. Smith brings to the Board extensive experience in management consulting and diversity initiatives.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Kevin E. Walker<br>
            Director</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Kevin E. Walker, age 58, joined Allianz Life of New York&#8217;s Board
            of Directors on October 1, 2018, and is a member of its Audit and Evaluation Committee and its Executive Committee. Mr. Walker also serves on Allianz Life&#8217;s Board of Directors since May 23, 2017, and is a member of its Audit Committee and the
            Chair of its Nomination, Evaluation and Compensation Committee. Mr. Walker serves as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee since January 1, 2017. Mr. Walker has over 30 years of
            insurance and financial services experience. Mr. Walker served at various Allianz affiliates throughout his career, most recently as the President and Chief Executive Officer of Allianz Reinsurance America, Inc. from 2015 to 2016. Mr. Walker
            has also served as a director and officer for several other Allianz affiliates.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Mr. Walker brings to the Board extensive experience in the
            insurance industry, as well as extensive experience in finance and operations.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">EXECUTIVE OFFICERS</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The current executive officers (other than Messrs. White,
            Gaumond, Thiel and Thomes) are as follows. Age and positions are provided as of December 31, 2020, except as otherwise noted.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Gretchen Cepek<br>
            Chief Legal Officer and Secretary</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Gretchen Cepek, age 52, 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. In this role, Ms. Cepek is responsible for the legal, ethics and compliance departments as well as government
            relations and the special investigations unit. Ms. Cepek also serves as the Senior Vice President, General Counsel and Secretary of Allianz Life and as the General Counsel and Secretary of AZOA Services Corporation. Previously, Ms. Cepek served
            as the Secretary for Allianz Life and Annuity Company from 2012 to 2017. Ms. Cepek received her J.D. from Valparaiso University School of Law in 1993.</div>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Todd M. Hedtke<br>
            Chief Investment Officer</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Todd M. Hedtke, age 48, joined Allianz Life of New York in 2012
            and currently serves as the Chief Investment Officer since August 21, 2015. He also currently serves as the Senior Vice President, Chief Investment Officer of Allianz Life. Mr. Hedtke also serves as a Governor and Chief Executive Officer of
            Allianz Investment Management LLC and Allianz Investment Management U.S. LLC, and as the Chief Investment Officer of Allianz Life Insurance Company of Missouri, respectively. Mr. Hedtke is a Director and President of Allianz Finance
            Corporation, and a Director, Vice President and Treasurer of Allianz Fund Investments Inc., AZL PF Investments Inc., and Dresdner Kleinwort Pfandbriefe Investments II Inc., respectively. Mr. Hedtke also serves as the Chair of the Benefit Plans
            Investment Committee for AZOA Services Corporation. Mr. Hedtke leads the investment management, liquidity planning, hedging, and trading functions at Allianz Life. Mr. Hedtke is also a member of the global Allianz Investment Management Board,
            which serves the Allianz Group of insurance companies. Prior to his current roles, Mr. Hedtke spent 15 years in a number of investment-related positions at Allianz Life and its affiliates, including as a Director and the Chief Investment
            Officer of Allianz Life and Annuity Company from 2015 to 2017 and as the Chief Investment Officer of Allianz Annuity Company of Missouri from 2015 to 2019, respectively.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Jasmine M. Jirele</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Jasmine M. Jirele, age 43, joined Allianz Life in 2018 and
            currently serves as the Senior Vice President, Chief Growth Officer of Allianz Life since October 1, 2018. Ms. Jirele leads strategy, new markets, global business development, product innovation, marketing, digital and experience management,
            Allianz Ventures, strategic communication and sponsorships, and enterprise agile for Allianz Life. Previously, Ms. Jirele was an executive vice president within Wells Fargo's Consumer Bank division, and was previously a senior vice president in
            Wells Fargo's Wealth and Investment Management division. Prior to that, Ms. Jirele spent nine years at Allianz Life as the Senior Vice President of Enterprise Operations from 2012 to 2015, Vice President of Market Management and Product
            Innovation from 2009 to 2012, Director of Executive Projects from 2007 to 2009, and Director of Marketing/Communications from 2006 to 2007, respectively.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">On September 1, 2021, Ms. Jirele will be Chair and member of the
            Board, and Chief Executive Officer of Allianz Life of New York as well as a member of the Board, and President and Chief Executive Officer of Allianz Life, subject to standard regulatory filings.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Catherine A. Mahone<br>
            Chief Administrative Officer</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Catherine A. Mahone, age 56, joined Allianz Life of New York on
            April 9, 2013 and currently serves as the Chief Administrative Officer. Ms. Mahone also serves as the Senior Vice President, Chief Administrative Officer of Allianz Life, and as a Governor of Allianz Life Financial Services, LLC. Ms. Mahone is
            responsible for the oversight of enterprise operations, information technology, and other strategic business initiatives. Previously, Ms. Mahone served as the Senior Vice President, Enterprise Operations of Allianz Life from 2008 to 2012, and
            as a Director of Allianz Technology of America, Inc. from 2013 to 2015.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Neil H. McKay<br>
            Chief Actuary</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Neil H. McKay, age 59, joined Allianz Life of New York in 1999
            and currently serves as the Chief Actuary since April 8, 2014. Mr. McKay also currently serves as the Senior Vice President, Chief Actuary of Allianz Life. Previously, Mr. McKay served as a Director and Chief Actuary of Allianz Life and Annuity
            Company from 2007 to 2017. Mr. McKay is responsible for all of the actuarial functions of Allianz Life of New York and Allianz Life, including the actuarial assumptions underlying its products and the rate setting associated with existing and
            new products.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">CORPORATE GOVERNANCE</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Committees of the Board</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Executive Committee of the Board (&#8220;Executive Committee&#8221;) is
            currently composed of Messrs. White (Chair), 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 2020, but did act once by written action.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Audit and Evaluation Committee of the Board is currently
            composed of Ms. Goss (Chair) and Messrs. Clark and Walker. The Audit and Evaluation Committee is responsible for recommending the selection of independent certified</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;65&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_57"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">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 2020.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Conflict of Interest Committee of the Board is currently
            composed of Mr. White (Chair), Ms. Cepek, and Ms. Goss (who replaced Mr. Herbert as a member as of April 10, 2019). 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 2020.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Finance Committee of the Board is currently composed of
            Messrs. Gaumond (Chair), Clark and Thiel. The Finance Committee is responsible for exercising all the powers of the Board of Directors with respect to the investments of the funds of Allianz Life of New York. The Finance Committee met two times
            in 2020, and acted three times by written action.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Independence of Certain Directors</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life of New York is not subject to the independence
            standards of the New York Stock Exchange or any other national securities exchange, but is subject to the independence standards set out in New York Insurance laws and the Model Audit Rule. Applying the independence standards of the Model Audit
            Rule to the current members of Allianz Life of New York&#8217;s Board of Directors, as well as the members that served on Allianz Life of New York&#8217;s Audit and Evaluation Committee during 2020, the Board of Directors has determined that (1) Ms. Goss
            and Messrs. Clark and Walker are &#8220;independent&#8221; under those standards.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Code of Ethics</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">All of our officers and employees, including our Chief Executive
            Officer, President, Chief Financial Officer and Controller, are subject to Allianz Life of New York&#8217;s Code of Ethics.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Executive Compensation</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Compensation Discussion and
              Analysis</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">In this section, we provide an overview of the goals and
            principal components of our executive compensation program and describe how we determine the compensation of our &#8220;Named Executive Officers&#8221; or &#8220;NEOs.&#8221; Allianz Life of New York is a subsidiary of Allianz Life. Each of our NEOs is employed by
            both Allianz Life of New York and Allianz Life. Our NEOs are compensated directly by Allianz Life. Allianz Life charges Allianz Life of New York an allocated percentage of each NEO&#8217;s compensation. The allocated percentage of compensation
            charged to Allianz Life of New York for our NEOs during the year ended December 31, 2020 is set forth below and hereafter referred to as the &#8220;Allocation Percentages.&#8221; For 2020, our NEOs were:</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:4.25%;margin-top:6pt;width:76.82%;" id="ze96b2f92fd8b4d12b40b37785576fb3c">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:52.96%;">Name<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:22.13%;">Title </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:22.13%;">Allocation Percentages </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:52.96%;">Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;">Chair and Chief Executive Officer </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:22.13%;">5.00% </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:52.96%;">William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;">Chief Financial Officer and Treasurer </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:22.13%;">5.00% </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="ze0bc30f183614a5ea0f5c42462a1c4dc">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Our
                    three most highly paid executive officers other than our principal executive officer and principal financial officer are not included as NEOs for 2020 because their total compensation allocable to Allianz Life of New York did not exceed
                    the $100,00 threshold established by SEC rules.&#160; </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The details of each NEO&#8217;s compensation may be found in the
            Summary Compensation Table and other compensation tables included in this Executive Compensation section.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Executive Summary</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our NEOs are also officers of Allianz Life, our parent company,
            and are not paid additional compensation for serving as executive officers of Allianz Life of New York. Instead, our NEOs are paid directly by Allianz Life with a certain portion of their Allianz Life compensation allocated to Allianz Life of
            New York, which allocation is reviewed and approved by our Audit and Evaluation Committee with respect to those NEOs that are also the NY Principal Officers. The &#8220;NY Principal Officers&#8221; are the Chief Executive Officer, President, Chief Legal
            Officer, and Secretary, Chief Administrative Officer and Chief Financial Officer and Treasurer. Therefore, our parent company, Allianz Life, establishes our NEOs&#8217; compensation programs with our Audit and Evaluation Committee reviewing and
            approving the compensation allocations</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;66&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_58"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">to Allianz Life of New York with respect to our NY Principal Officers. Allianz
            Life&#8217;s compensation programs are intended to align our NEOs&#8217; interests with those of our ultimate stockholder, Allianz SE, the ultimate parent company of Allianz Life and Allianz Life of New York. Allianz Life&#8217;s compensation programs are
            designed to reward performance that meets or exceeds the goals established by the Compensation Committee, a management committee of Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with
            Allianz Life&#8217;s compensation philosophy described below, the total compensation received by our NEOs will vary based on individual and corporate performance in light of annual and long-term performance goals. Our NEOs&#8217; total compensation is
            composed of a mix of annual base salary, annual cash awards based on corporate objectives and executive performance factors and long-term equity incentive awards in the form of restricted stock units of the equity securities of Allianz SE.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Compensation Philosophy
              and Strategy</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Overview</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The overriding goal of Allianz Life&#8217;s executive compensation
            programs is to attract, retain and motivate top-performing executive officers who will dedicate themselves to long-term financial and operational success. To this end, Allianz Life has structured the executive compensation programs to foster a
            pay-for-performance management culture by:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zceae5eee12ac41149882406c6348928e">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">providing
                    total compensation opportunities that are competitive with the levels of total compensation available at the large diversified financial services companies with which Allianz Life most directly competes in the marketplace; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">setting
                    performance metrics and objectives for variable compensation arrangements that reward executives for attaining both annual targets and long-term business objectives, thereby providing individual executives with the opportunity to earn
                    above-average compensation by achieving above-average results; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">establishing
                    equity-based arrangements that align executives&#8217; financial interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success of its affiliates; and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">structuring compensation packages and outcomes to foster internal pay equity. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:378pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;67&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_59"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Compensation Components</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">To support this pay-for-performance strategy, Allianz Life&#8217;s
            total compensation program provides a mix of compensation components that bases the majority of each executive&#8217;s compensation on their success and on an assessment of each executive&#8217;s overall contribution to that success.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;" id="z88cda5bf7e2e4245b7ca1b9eb1173c5a">

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

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">In addition, Allianz Life offers all employees, including our
            NEOs, broad-based benefits, including comprehensive medical, dental and vision insurance, group term life insurance and participation in a 401(k) plan.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">How Compensation Decisions
              Are Made</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Role of the Board of Directors and Compensation Committee</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The framework governing the executive compensation policies for
            Allianz Life, which directly compensates the executives of Allianz Life of New York, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of Allianz Life. Decisions
            affecting the compensation of the Chief Executive Officer are outside the scope of the Allianz Life Compensation Committee. Any such decisions are made by Allianz SE, subject to review by the Nomination, Evaluation and Compensation Committee of
            the Allianz Life Board of Directors (the &#8220;NEC Committee&#8221;), and final approval by Allianz Life&#8217;s Board of Directors. With respect to the compensation of other &#8220;principal officers&#8221; selected by the Board for purposes of the duties of the NEC
            Committee under Minn. Stat. &#167; 60D.20, subd. 3(d), the Compensation Committee&#8217;s decisions are similarly subject to review by the NEC Committee and final approval by Allianz Life&#8217;s Board. The &#8220;principal officers&#8221; include the Chief Executive
            Officer, Chief Financial Officer, and General Counsel. Allianz Life&#8217;s Board has delegated the following responsibilities to the Compensation Committee:</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z6f240d080b50454cab3e7fb9f4a9f25f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">In
                    general, establish the compensation philosophy and strategy of Allianz Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the principles of
                    ensuring that leadership is compensated effectively in a manner consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any applicable
                    regulatory bodies in order to attract and retain high-quality leadership. This responsibility includes periodic review of Allianz Life&#8217;s compensation programs to pursue certain goals, with the expectation that changes will be made
                    periodically to ensure these goals are attained. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:11pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;68&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_60"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;" id="zb49208eb999741819a6d113fdb0a88b2">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review
                    and approve the establishment of, or material modification to, any executive incentive compensation plans or programs for Allianz Life. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review
                    and approve any special benefits or perquisites in effect for, or offered to, any prospective, current or former Allianz Life employee, regardless of the employee&#8217;s level or assignment within Allianz Life. Such benefits and perquisites
                    are those that are unusual or different from the benefits offered to all similarly-situated employees. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review
                    and approve any employment agreements proposed to be made with any prospective or current employee of Allianz Life. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Review
                    and approve any individual severance agreement with any Allianz Life officer. This does not include an arrangement where the employee receives severance or incentive payments under existing terms of a broad-based benefit or compensation
                    plan. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Oversee Allianz Life&#8217;s compliance with regulations with respect to compensation matters and adopt and monitor adherence to global and local process requirements and timelines, including those required
                    under the Corporate Rules (as defined under the Allianz Life Standard for Corporate Rules) mandated by Allianz SE. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The Compensation Committee will at all times be composed of at
            least three members who are appointed by the full Board of Directors of Allianz Life. The Compensation Committee currently consists of the following members: the Chair of the Board, the Chief Executive Officer, and the Chief Human Resources
            Officer. The Compensation Committee also utilizes internal personnel to provide advice to the Compensation Committee regarding market trends in compensation policies at competing companies and on a more macro level.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Following its review and decision, the Compensation Committee
            produces and submits a report on executive compensation to Allianz Life&#8217;s Board of Directors at its request. With respect to the compensation of &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board for purposes of the duties of the NEC
            Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), the Compensation Committee produces and submits a report on executive compensation proposed for the designated &#8220;principal officers&#8221; to the NEC Committee for its review and recommendation
            to Allianz Life&#8217;s Board for final approval.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Role of the Chief Executive Officer</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our Chief Executive Officer assists the Compensation Committee in
            its review of the total compensation of all the NEOs except himself. He provides the Compensation Committee with his assessment of their performances relative to the corporate and individual goals and other expectations set for them for the
            preceding year. He then provides his recommendations for each NEO&#8217;s total compensation and the appropriate goals for each in the year to come. However, the Compensation Committee is not bound by his recommendations.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Role of Allianz Life&#8217;s Human Resources</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life&#8217;s Human Resources supports the Compensation
            Committee on executive compensation matters by being responsible for many of the organizational and administrative tasks that underlie the compensation review and determination process and making presentations on various topics. Allianz Life&#8217;s
            Human Resources efforts include, among other things:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zf5ea7da563054ec1a4a48f966dbba431">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">evaluating
                    the compensation data from industry groups, national executive pay surveys, and other sources for the NEOs and other executive officers as appropriate; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">gathering
                    and correlating performance ratings and reviews for individual executive officers, including the NEOs; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reviewing
                    executive compensation recommendations against appropriate market data and for internal consistency and equity; and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">reporting to, and answering requests for information from, the Compensation Committee. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Allianz Life&#8217;s Human Resources officers also coordinate and share
            information with their counterparts at Allianz SE.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Use of Competitive
              Compensation Data</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Because Allianz Life competes most directly for executive talent
            with other large diversified financial services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides compensation
            opportunities that compare favorably with the levels of total compensation offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life relies
            primarily on external market surveys of corporate compensation and</div>
        </div>
        <div style="margin-top:16pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;69&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_61"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">benefits published by various national compensation consulting firms, especially
            salary surveys focusing on insurance companies. In addition, other factors taken into account include the average revenues and number of employees of companies that participate in such surveys.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">All these information sources are employed to measure and compare
            actual pay levels not only on an aggregate, total compensation basis, but also to break down the total compensation program component by component to review and compare specific compensation elements as well as the particular mixes of fixed
            versus variable, short-term versus long-term, and cash versus equity-based compensation at the surveyed companies. This information, as collected and reviewed by Allianz Life&#8217;s Human Resources, is submitted to the Compensation Committee for
            review and discussion.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Internal Pay Equity Analysis</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life&#8217;s compensation programs are designed with the goal
            of providing compensation to our NEOs that is fair, reasonable, and competitive. To achieve this goal, Allianz Life believes it is important to compare compensation paid to each NEO not only with compensation paid by the surveyed companies, as
            discussed above, but also with compensation paid to each of our other NEOs. Such an internal comparison is important to ensure that compensation is equitable among our NEOs.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Components of Total
              Compensation For Our NEOs</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life provides total compensation to our NEOs that
            consists of several components. These components include the three components of the total compensation program (i.e., base salary, annual incentives, and equity) as well as: (i) retirement, health, and other benefit programs; (ii) severance
            benefits; and (iii) perquisites.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Base Salary</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life&#8217;s philosophy is to make base salary a relatively
            small portion of the overall compensation package for our NEOs, which Allianz Life believes is common in the industry in which we operate. The amount of the base salary awarded to NEOs is based on the position held, the NEO&#8217;s tenure, the scope
            of the position&#8217;s responsibilities, and the NEO&#8217;s own performance, all of which are reviewed with the aid of market survey data. Using this data, Allianz Life maintains a 50th percentile pricing philosophy, comparing base salaries against the
            median for comparable salaries at surveyed companies, unless exceptional conditions require otherwise.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">With respect to the base salary of our Chief Executive Officer,
            the Chair of the Board considered the Chief Executive Officer&#8217;s experience, performance, and contribution to overall corporate performance when determining his base salary for 2020 for recommendation to the NEC Committee. Base salaries for our
            other NEOs for 2020 were also set by the Compensation Committee based upon each NEO&#8217;s individual experience and contribution to the overall performance of Allianz Life, and subject to Allianz SE Compensation Committee reviews and, with respect
            to the base salaries of &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board of Directors for purposes of the duties of the NEC Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), subject to NEC Committee review and recommendation to
            Allianz Life&#8217;s Board for final approval.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">AIP</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life offers annual cash bonuses to certain executive
            officers under the AIP. The AIP is designed to improve performance and profitability by motivating employees to accomplish organizational objectives and financial goals. Bonus awards that may be paid pursuant to the AIP are within the sole
            discretion of the Compensation Committee, and with respect to our CEO, the Chair of the Board, and are intended to:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z05db486895994fd880af0e1b5ad0aa18">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reward
                    the performance of participants who have made significant contributions to the achievement of annual goals and objectives; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">provide
                    an incentive that will encourage future superior individual performance; and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success of Allianz Life. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Following the performance year, the Compensation Committee
            approved a specific amount of cash awards to be made pursuant to the AIP to executive officers, including our NEOs, for the 2020 performance year. The amount determined to be available for such awards was at the discretion of the Compensation
            Committee and was dependent upon many factors as outlined previously, including, but not limited to, current financial performance and contributions of our NEOs in achieving performance objectives, and with respect to the awards to the
            &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board for purposes of the duties of the NEC Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), subject to NEC Committee review and recommendation to Allianz Life&#8217;s Board for final approval.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;70&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_62"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">AEI</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The AEI is (a) one part of the variable compensation component
            for certain individuals within designated classes of employees at Allianz Life or (b) offered by Allianz Life to select senior employees as an additional part of their variable compensation on a case by case basis. The AEI is granted in the
            form of restricted stock units of Allianz SE (&#8220;RSUs&#8221;). The award of RSU&#8217;s are intended to:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z04ae278607194c5d801d36f99919668f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reward
                    the performance of participants who have made significant contributions to the achievement of their company&#8217;s annual goals and objectives, </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">provide
                    an incentive that will encourage future superior individual performance, and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success Allianz. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Awards made pursuant to the AEI are based upon both the
            performance of Allianz Life and Allianz Life of New York and the performance of the NEO. The Compensation Committee (and, with respect to those NEOs that are &#8220;principal officers&#8221; for purposes of the NEC Committee&#8217;s duties, the NEC Committee
            with final approval of Allianz Life&#8217;s Board of Directors) reviewed the performance of our NEOs following the end of our 2020 fiscal year relative to the AEI allocation amount.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Benefit Perquisites</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life provides our NEOs with certain limited perquisites.
            All of our employees, including our NEOs, may participate in the qualified 401(k) plan. Allianz Life and Allianz Life of New York generally provide our executive officers, including our NEOs, with a matching contribution up to $21,375 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 2020 are included in the column entitled &#8220;All Other Compensation&#8221; in the Summary Compensation Table included in this section.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Severance Arrangements</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life has entered into an Executive Severance Agreement
            with our Chair, Director, and Chief Executive Officer, Walter R. White, which is described in the &#8220;Allianz Life Executive Severance Agreement&#8221; discussion later in this section. We have not entered into any other specific severance agreements
            with any of our NEOs.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The remainder of our NEOs are eligible for severance payments
            under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the plan.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Other than the Executive Severance Plan, which is described later
            in this section, our NEOs (except for Walter R. White) are not eligible for severance payments. Certain of our executive officers receive offer letters which set forth the terms relating to base salary, sign-on incentives, and equity
            compensation. However, Allianz Life does not view these offer letters as employment agreements as each offer letter states that employment with Allianz Life is &#8220;at will.&#8221;</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Other Compensation
              Policies</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Tax and Accounting Implications</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Stock-Based Compensation</font>.
            Stock-based compensation, comprised of Allianz SE restricted stock units (RSUs) granted pursuant to the AEI, are accounted for in accordance with the requirements of Financial Accounting Standards Board Accounting Standards Codification (&#8220;FASB
            ASC&#8221;) Topic 718. The fair value of the RSUs at grant is the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on that day and the nine immediately
            preceding trading days, less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of payout restrictions deriving from the vesting period and the payout cap.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Recently Discontinued Compensation Programs</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The purpose of the ALTPUP was to advance the interests of Allianz
            Life, including Allianz Life of New York, and our indirect stockholder. The ALTPUP sought to accomplish this purpose by providing an incentive in addition to current compensation to certain individuals within designated classes of employees of
            Allianz Life who contribute significantly to their company&#8217;s long-term performance. Such incentive was in the form of Long-Term Performance Units ("ALTPUP Units"), which were contingent awards, subject to the terms, conditions, and restrictions
            described in the ALTPUP and the Award Agreement under which such awards were made, by which participants in the ALTPUP may have become entitled to receive cash on the payment date for redemption of the ALTPUP Units valued on the valuation date.
            The award of</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;71&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_63"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">ALTPUP Units was discretionary. In March 2020, the Group Compensation Committee
            determined all Allianz entities would move forward with the Allianz SE long term incentive program or AEI. As a result, the ALTPUP program has been discontinued and provided a final grant in March 2020 for 2019 performance.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our Chief Executive Officer received cash awards pursuant to the
            terms of the Allianz SE Mid-Term Bonus Plan instead of the ALTPUP. Like the ALTPUP, the Mid-Term Bonus Plan has been discontinued, so the award with respect to 2019 performance was the final award made under the Mid-Term Bonus Plan.</div>
        </div>
        <div style="margin-top:598pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;72&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_64"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Summary Compensation Table</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following table sets forth the compensation paid by Allianz
            Life for the year ended December 31, 2020 to our NEOs. The executive compensation information in this prospectus is shown for a one-year period, in accordance with Regulation S-K Item 402, Instruction 1 to Item 402(c).</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;" id="z496d9cff5f564f5581d72febaa8decad">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.61%;"> Name and Principal <br>
                     Position <br>
                     (a) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:5.42%;"> Year <br>
                     (b) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.27%;"> Salary <br>
                     (c) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:6.59%;"> Bonus <br>
                     (d) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.27%;"> Stock <br>
                     Awards <br>
                     (e) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.26%;"> Option <br>
                     Awards <br>
                     (f) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:21.06%;"> Non-Equity <br>
                     Incentive Plan Compensation <br>
                     (g) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:17.79%;"> Change in <br>
                     Pension Value <br>
                     and <br>
                     Nonqualified <br>
                     Deferred <br>
                     Compensation Earnings <br>
                     (h) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.71%;"> All Other <br>
                     Compensation <br>
                     (i) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.02%;"> Total <br>
                     (j) </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-right:6pt;padding-top:1.5pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> Name and Principal </div>
                    <br>
                     Position <br>
                     (a) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:5.42%;"> Year <br>
                     (b) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:10.03pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> Salary <br>
                    (c) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:6.59%;"> Bonus <br>
                     (d) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:11.88pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> Stock <br>
                    Awards <br>
                    (e) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.26%;"> Option <br>
                     Awards <br>
                     (f) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:21.06%;"> Non-Equity <br>
                     Incentive Plan Compensation <br>
                     (g) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.79%;"> Change in <br>
                     Pension Value <br>
                     and <br>
                     Nonqualified <br>
                     Deferred <br>
                     Compensation Earnings <br>
                     (h) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.71%;"> All Other <br>
                     Compensation <br>
                     (i) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:17.71pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.02%;"> Total <br>
                    (j) </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-right:6pt;padding-top:1.5pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> Name and Principal </div>
                    <br>
                     Position <br>
                     (a) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:5.42%;"> Year <br>
                     (b) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:10.03pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> Salary <br>
                    (c) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:6.59%;"> Bonus <br>
                     (d) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:11.88pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> Stock <br>
                    Awards <br>
                    (e) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.26%;"> Option <br>
                     Awards <br>
                     (f) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:21.06%;"> Non-Equity <br>
                     Incentive Plan Compensation <br>
                     (g) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:17.79%;"> Change in <br>
                     Pension Value <br>
                     and <br>
                     Nonqualified <br>
                     Deferred <br>
                     Compensation Earnings <br>
                     (h) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.71%;"> All Other <br>
                     Compensation <br>
                     (i) <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:17.71pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.02%;"> Total <br>
                    (j) </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-right:6pt;padding-top:1.5pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> Walter R. White </div>
                    <br>
                    <font style="font-weight:Normal;padding-left:0pt;"> Chair and Chief Executive Officer </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $43,255 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.59%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $79,689 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.26%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $53,126 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.79%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;"> $1,386 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.02%;"> $177,456 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-right:6pt;padding-top:1.5pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> Walter R. White </div>
                    <br>
                    <font style="font-weight:Normal;padding-left:0pt;"> Chair and Chief Executive Officer </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $43,255 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.59%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $79,689 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.26%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $53,126 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.79%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;"> $1,386 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.02%;"> $177,456 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-right:6pt;padding-top:1.5pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> Walter R. White </div>
                    <br>
                    <font style="font-weight:Normal;padding-left:0pt;"> Chair and Chief Executive Officer </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $43,255 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.59%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $79,689 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.26%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $53,126 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.79%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;"> $1,386 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.02%;"> $177,456 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-right:6pt;padding-top:1.5pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> William E. Gaumond </div>
                    <br>
                    <font style="font-weight:Normal;padding-left:0pt;"> Chief Financial Officer and Treasurer </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $23,444 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.59%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $ 24,112 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.26%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $16,075 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.79%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;"> $1,315 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:8.02%;"> $ 64,946 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-right:6pt;padding-top:1.5pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> William E. Gaumond </div>
                    <br>
                    <font style="font-weight:Normal;padding-left:0pt;"> Chief Financial Officer and Treasurer </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $23,444 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.59%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $ 24,112 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.26%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $16,075 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.79%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;"> $1,315 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:8.02%;"> $ 64,946 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:7.61%;">
                    <div style="padding-left:17%;"> William E. Gaumond </div>
                    <br>
                    <font style="font-weight:Normal;padding-left:0pt;"> Chief Financial Officer and Treasurer </font> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;"> $23,444 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.59%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;"> $ 24,112 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.26%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;"> $16,075 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:17.79%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;"> $1,315 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.02%;"> $ 64,946 </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:8pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;73&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_65"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="ze2b805d95c36441c80b06d24419206ca">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                    the grant date fair value of the RSUs issued pursuant to the AEI. The RSUs vest over a four-year period. The RSUs issued in 2021 for the 2020 performance year have a March 2025 exercise date. The grant price of the RSUs was the
                    arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on the date of grant and the nine immediately preceding trading days, less the present value of
                    dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of the payout restrictions deriving from the vesting period and the payout cap. These numbers show the amount realized for financial
                    reporting purposes as calculated in accordance with the FASB ASC Topic 718. Under FASB ASC Topic 718, the grant date fair value is calculated using the closing market price of the common stock of Allianz SE on the date of grant, which
                    is then recognized over the requisite service period of the award. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;padding-top:1pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">The following table provides additional details regarding compensation found in the &#8220;All Other Compensation&#8221; column. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-left:0pt;padding-right:2pt;text-align:left;vertical-align:top;width:3.64%;">&#160; </td>
                  <td style="line-height:1pt;text-align:left;vertical-align:top;white-space:nowrap;width:96.36%;">&#160; </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:4.25%;margin-top:6pt;width:85.63%;" id="z6dd5ccd266744fb7bdf4de678e4f3737">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:18.77%;"> Name </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:6.29%;"> Year </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.68%;"> Spousal <br>
                     Travel <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (3) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.20%;"> Milestone/ <br>
                     Anniversary/ <br>
                     Recognition <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.34%;"> Life Insurance <br>
                     Premiums </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:15.33%;"> Employer Match <br>
                     to 401(k) Plan </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:14.40%;"> ASAAP <br>
                     Contribution <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.58%;"> Total </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:18.77%;"> Name </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> Year </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:9.47pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> Spousal <br>
                    Travel <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (3) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:17.79pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.20%;"> Milestone/ <br>
                    Anniversary/ <br>
                     Recognition <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> Life Insurance <br>
                     Premiums </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:10.05pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:15.33%;"> Employer Match <br>
                    to 401(k) Plan </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:31.99pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> ASAAP <br>
                    Contribution <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:10.42pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> Total </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:18.77%;"> Name </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> Year </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:9.47pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> Spousal <br>
                    Travel <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (3) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:17.79pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.20%;"> Milestone/ <br>
                    Anniversary/ <br>
                     Recognition <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> Life Insurance <br>
                     Premiums </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:10.05pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:15.33%;"> Employer Match <br>
                    to 401(k) Plan </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:31.99pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> ASAAP <br>
                    Contribution <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (4) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:10.42pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> Total </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> $ 272 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:45.49pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> $ 46 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:15.33%;"> $1,069 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:50.56pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:14.40%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> $1,386 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> $ 272 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:45.49pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> $ 46 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:15.33%;"> $1,069 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:50.56pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:14.40%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> $1,386 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> $ 272 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:45.49pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> $ 46 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:15.33%;"> $1,069 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:50.56pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:14.40%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> $1,386 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> $ 213 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:45.49pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> $ 33 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:15.33%;"> $ 975 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> $ 94 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> $1,315 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> $ 213 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:45.49pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> $ 33 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:15.33%;"> $ 975 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> $ 94 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> $1,315 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;"> 2020 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.68%;"> $ 213 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt; padding-left:45.49pt;padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.20%;"> -- </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.34%;"> $ 33 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:15.33%;"> $ 975 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.40%;"> $ 94 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;"> $1,315 </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="1" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z4048a9fc4b0343ac953c72aa866ea8d4">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                    reimbursement or payments made to defray the costs of a spouse&#8217;s travel. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(4) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">Represents company matching contribution to the Allianz Supplemental Asset Accumulation Plan for deferrals in excess of IRS compensation limit. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Performance-Based
              Incentive Compensation Plans</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">AIP</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The AIP is intended to provide an incentive that will encourage
            superior individual performance and encourage retention of employees who have demonstrated exceptional performance or who are anticipated to significantly contribute to long-term success. The AIP seeks to accomplish this purpose by providing a
            bonus opportunity to eligible employees who have made significant contributions during the plan year to the achievement of annual goals and objectives. The guidelines for target awards are meant to be illustrative of competitive market bonuses
            for similar job levels in the marketplace. While the target awards may be used for illustrative, budget planning, or distribution scenarios, all bonus awards are discretionary and are in no way guaranteed.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Compensation Committee or other duly authorized committee
            determines allocation of bonus awards to employees. With respect to &#8220;principal officers&#8221; for purposes of the NEC Committee&#8217;s duties, the NEC Committee recommends to Allianz Life&#8217;s Board of Directors awards for final approval.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">AEI</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The AEI is designed to recognize the participant&#8217;s continuous
            employment with Allianz Life over the relevant period and shall be an incentive to continue employment. Grants under the AEI will generally only be made if the participant is employed with Allianz Life at the date of grant. Payments will be
            made only if the participant remains employed with Allianz Life during the vesting period of the RSU, or leaves employment under circumstances set out in the AEI, including after retirement or early retirement eligibility, disability, or under
            certain other circumstances. The securities issuable under the AEI are RSUs. An RSU constitutes the right to receipt of the market value of Allianz SE common stock at the time of exercise. This amount will be paid in cash. RSUs are subject to a
            four-year vesting period. At the end of the four-year vesting period, the RSUs are exercised uniformly for all participants, provided they remain employed by Allianz Life, terminate after retirement or early retirement eligibility, or under
            certain other circumstances. Vesting and exercise may accelerate if a participant leaves employment under other &#8220;good leaver&#8221; circumstances set forth in the AEI. The grant at fair value cannot be greater than 165% of a participant&#8217;s target
            amount. The maximum value of an exercise is an increase of 200% over the grant value (i.e., 300% of the grant value).</div>
        </div>
        <div style="margin-top:37pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;74&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_66"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Grants of Plan-Based
              Awards</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following table provides additional information about
            plan-based compensation disclosed in the Summary Compensation Table. This table includes both equity and non-equity awards granted for the year ended December 31, 2020, and charged to Allianz Life of New York based on the Allocation Percentage
            assigned to each NEO.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;" id="ze8dbd95288b549bc9081bb6e39835cae">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;" rowspan="2"> Name <br>
                    <br>
                     (a) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;" rowspan="2"> Grant Date <br>
                    <br>
                     (b) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.95%;" colspan="3"> Estimated Future Payouts Under Non-Equity Incentive Plan Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.95%;" colspan="3"> Estimated Future Payouts Under Equity Incentive Plan Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Estimated Future Payouts Under Non-Equity Incentive Plan Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-bottom:1.5pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:1.5pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;"> Estimated Future Payouts Under Equity Incentive Plan Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-bottom:1.5pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:1.5pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:11.32%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Name <br>
                    <br>
                     (a) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Grant Date <br>
                    <br>
                     (b) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:13.25pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Estimated  Future  Payouts  Under  Non-Equity  Incentive  Plan  Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (1) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:9.65pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Estimated  Future  Payouts  Under Equity  Incentive  Plan  Awards <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> (2) </sup> </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Threshold ($) <br>
                     (c) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Target ($) <br>
                     (d) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Maximum ($) <br>
                     (e) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:21.31pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Threshold ($) <br>
                    (f) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Target ($) <br>
                     (g) </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Maximum ($) <br>
                     (h) </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Threshold ($) <br>
                     (c) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Target ($) <br>
                     (d) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Maximum ($) <br>
                     (e) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:21.31pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Threshold ($) <br>
                    (f) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Target ($) <br>
                     (g) </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Maximum ($) <br>
                     (h) </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Threshold ($) <br>
                     (c) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Target ($) <br>
                     (d) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Maximum ($) <br>
                     (e) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:21.31pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Threshold ($) <br>
                    (f) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Target ($) <br>
                     (g) </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> Maximum ($) <br>
                     (h) </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/5/2021 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/5/2021 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/5/2021 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $77,859 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $385,402 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $77,859 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $385,402 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $77,859 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $385,402 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $51,906 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $85,645 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $51,906 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $85,645 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $51,906 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $85,645 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/5/2021 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/5/2021 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> 3/5/2021 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $25,320 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $125,333 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $25,320 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $125,333 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> RSUs (under AEI) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $25,320 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $125,333 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $16,880 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $33,760 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $16,880 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $33,760 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> AIP Award </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.32%;"> $ 0 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $16,880 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;"> $33,760 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;"> &#160; </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="1" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z00deb7da746e454dab624f8fe33d48d3">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">The
                    target and maximum columns show the target award and maximum award for 2020 for each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2020 awards granted to the NEOs are listed in the Non-Equity
                    Incentive Compensation column of the Summary Compensation Table. AIP target and maximum awards are a pre-designated percentage of base salary determined at the executive&#8217;s level. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">RSUs
                    have a vesting schedule as disclosed in the footnotes to the Summary Compensation Table. See &#8220;Outstanding Equity Awards at December 31, 2020&#8221; for disclosure regarding the number of RSUs that are unvested as of December 31, 2020. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">The target and maximum columns show the target award and maximum award for 2020 for each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2020 awards granted to
                    the NEOs are listed in the Stock Awards column of the Summary Compensation Table. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:78pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;75&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_67"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Outstanding Equity Awards
              at December 31, 2020</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following table sets forth the outstanding equity awards at
            the December 31, 2020 fiscal year-end. The table shows RSUs granted pursuant to the AEI, based on the Allocation Percentage assigned to each NEO.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;" id="zb52c9c9081fc470093eab93bba73106c">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;" rowspan="2"> Name <br>
                    <br>
                     (a) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:19.81%;"> RSUs </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-bottom:1.5pt;padding-right:6pt;padding-top:4pt;text-align:center;vertical-align:bottom;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:1.5pt;padding-right:6pt;padding-top:4pt;text-align:center;vertical-align:bottom;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:1.5pt;padding-right:4pt;padding-top:4pt;text-align:center;vertical-align:bottom;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:19.81%;"> RSUs </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.5pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 408.050 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $99,295 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 408.050 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $99,295 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 408.050 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $99,295 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 351.500 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $85,534 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 351.500 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $85,534 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 351.500 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $85,534 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 261.950 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $63,743 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 261.950 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $63,743 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 261.950 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $63,743 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 304.850 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $74,182 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 304.850 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $74,182 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 304.850 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $74,182 </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> N/A </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 72.600 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $17,666 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 72.600 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $17,666 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 72.600 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $17,666 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 101.950 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $24,809 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 101.950 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $24,809 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 101.950 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $24,809 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 76.900 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $18,713 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 76.900 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $18,713 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 76.900 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $18,713 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 97.400 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $23,701 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 97.400 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $23,701 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;"> &#160; </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:9.65pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> 97.400 </td>
                  <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:19.81%;"> $23,701 </td>
                  <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                  <td style="line-height:0pt;padding-bottom:3pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:19.81%;"> &#160; </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="1" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z3c4a5855529a4a0d905f85795b95903a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                    unvested RSUs issued pursuant to the AEI. RSUs issued under the AEI during 2020 are subject to a four-year vesting period from the grant date. At the end of the respective vesting period, the RSUs are exercised uniformly for all
                    participants, provided they remain employed by Allianz Life or terminate after retirement or early retirement eligibility, or under certain other circumstances. Vesting and exercise may accelerate if a participant leaves employment
                    under other &#8220;good leaver&#8221; circumstances set forth in the AEI. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">For each
                    of the NEOs, the number of RSUs listed on the first line were exercised in 2021, the RSUs listed on the second line will exercise in 2022, the RSUs listed on the third line will exercise in 2023, and the RSUs listed on the fourth line
                    will exercise in 2024. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">Based on an assumed stock price of $243.34 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, 2020 and the nine immediately preceding trading days, converted from Euros into U.S. dollars. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Allianz SE Option
              Exercises and Stock Grants Vested in 2020</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following table summarizes the value received from Allianz SE
            stock grants vested during the year ended December 31, 2020, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;" id="z5431fdf1e9db4db3872b65a83dd80728">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.77%;" rowspan="2"> Name </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:79.23%;" colspan="2"> Stock Awards </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;"> Stock Awards </td>
                  <td style="border-bottom:0.5pt solid #000000;line-height:8pt;padding-bottom:1.5pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:bottom;width:39.61%;"> &#160; </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 504.850 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 112,954 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 504.850 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 112,954 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 504.850 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 112,954 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 36.050 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12.82pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 8,066 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:9.65pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 36.050 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:12.82pt;padding-right:4pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 8,066 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt; padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 36.050 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:12.82pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;"> 8,066 </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z2fd48938ec904d8488b1eb21864e544d">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                    Allianz SE RSUs that were exercised during 2020 pursuant to the AEI. Amounts realized were paid in cash. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:6pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;76&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_68"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Allianz Life Executive
              Severance Agreement</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life has entered into an Executive Severance Agreement
            with its Chief Executive Officer, Walter R. White, with an expiration date of December 31, 2021. The severance arrangements for Mr. White as Chair and Chief Executive Officer of Allianz Life of New York are prescribed by the Executive Severance
            Agreement.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Pursuant to the Executive Severance Agreement, Mr. White is
            entitled to a lump sum cash payment of $86,510 upon separation based on the allocated percentage of compensation charged to Allianz Life of New York upon separation in the event he is terminated without &#8220;cause&#8221;, which is defined as engaging in
            conduct detrimental to the best interests of the Company (including, but not limited to, certain specified acts such as commission of a felony, theft, dishonesty, fraud or embezzlement) in the Executive Severance Agreement. In addition,
            pursuant to the Executive Severance Agreement, Mr. White is also bound by other restrictive covenants, including covenants relating to confidentiality and non-disparagement. Mr. White would also be entitled to continuation of medical and dental
            coverage at the employee premium rates for a period of 18 months following termination if Mr. White timely elects continuation and pays the required premiums.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The remainder of our NEOs are eligible for severance payments
            under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the applicable plan. The terms of this plan are set forth below.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Executive Severance Plan</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Executive officers who have the title of Senior Vice President or
            above and report directly to a senior executive officer at a specific level are eligible to receive severance benefits under the Executive Severance Plan if they experience a qualifying termination of employment, meaning an involuntary
            termination for any reason other than for &#8220;cause&#8221; with no offer of an equivalent position, and otherwise satisfy the conditions set forth in the plan. The purpose of the Executive Severance Plan is to provide severance benefits to executive
            officers whose employment is involuntarily terminated in a qualifying termination of employment in order to assist with job transition. Pursuant to the Executive Severance Plan, eligible executive officers who are involuntarily terminated in a
            qualifying termination of employment will receive a lump sum cash payment equal to one and one-half times their &#8220;annual base pay&#8221; in effect at the time of termination. Annual base pay, for purposes of this agreement, equals base salary and
            excludes special payments, such as bonuses, expense reimbursements, living, or other allowances. Eligible executive officers would also be entitled to continuation of medical and dental coverage at employee premium rates for a period of 18
            months following termination, if the executive officer timely elects continuation coverage and pays the required premiums.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following table shows the portion of the lump sum payments
            that would have been allocated to Allianz Life of New York based on each NEO&#8217;s Allocation Percentage and payable to each of our NEOs had they been terminated on December 31, 2020 and been eligible for severance payments pursuant to the
            Executive Severance Plan.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:52.83%;" id="z0a17f13edaf24ccfb89d1570776effb7">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:48.85%;"> NEOs </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:51.15%;"> Lump Sum Payment </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $86,510 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $86,510 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> Walter R. White </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $86,510 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $35,166 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $35,166 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;"> William E. Gaumond </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;"> $35,166 </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="z70921635c1f04073b85d7a821398cd8a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Mr.
                    White is not eligible to receive payments pursuant to the Executive Severance Plan. See &#8220;Allianz Life Executive Severance Agreement&#8221; for information regarding severance payments that Mr. White is eligible to receive upon termination of
                    service. </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:129pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;77&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_69"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Director Compensation</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following table provides information on compensation paid to
            the directors of Allianz Life of New York for the year ended December 31, 2020.</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;" id="z987ed4df641042b7b5edb679996dc8b7">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;">Name<br>
                    (a) </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Fees Earned or<br>
                    Paid in Cash<br>
                    ($)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><br>
                    (b) </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Total<br>
                    ($)<br>
                    (h) </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Walter R. White<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><br>
                    Chair and Chief Executive Officer </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">William E. Gaumond<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><br>
                    Chief Financial Officer and Treasurer </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Eric J. Thomes<br>
                    President </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Steven J. Thiel<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><br>
                    Vice President, Appointed Actuary </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Lorraine Lods<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><br>
                    Non-Independent Director </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Ronald M. Clark<br>
                    Independent Director </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Martha Clark Goss<br>
                    Independent Director </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$37,500 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$37,500 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Gary A. Smith<br>
                    Non-Independent Director </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Kevin E. Walker<br>
                    Independent Director </td>
                  <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="1" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;" id="zb511af33a6244bc99990b050fd4499e6">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                    cash compensation provided to our non-employee directors that is formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 2020. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">As inside directors, Messrs. White, Gaumond, Thomes, Thiel, and Ms. Lods do not receive any compensation for their service as directors. The compensation Messrs. White and Gaumond received as executive
                    officers of Allianz Life of New York is disclosed in the Summary Compensation Table as set forth herein. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Security Ownership of Certain Beneficial Owners and Management</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We are an indirect wholly owned subsidiary of Allianz SE. Allianz
            SE&#8217;s principal executive offices are located at K&#246;niginstrasse 28, 80802 Munich, Germany. As of March 31, 2021, the directors and executive officers of Allianz Life of New York held less than 1% of Allianz SE&#8217;s ordinary shares issued and
            outstanding.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Transactions with Related Persons, Promoters and Certain Control
            Persons</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We are a wholly owned subsidiary of Allianz Life, which is a
            wholly owned subsidiary of AZOA, which in turn is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Transactions with affiliates may not be on an arm&#8217;s-length basis
            and may present the potential for conflicts.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Business and Operational Risks Relevant to the Contract</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">As an insurance company, a number of risks may affect our
            business. However, because the Contract (and any other insurance contract that we offer) is a regulated insurance product, as opposed to an investment in our business, many of the risks that may be relevant to an investor in our business are
            unlikely to be relevant to you. The risks described below are only those business and operational risks that are likely to be relevant to you as a purchaser of the Contract.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Risks Primarily Related to
              Our Financial Strength and Claims-Paying Ability</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> We make Annuity Payments and apply
              Performance Credits for this Contract from our general account. We also pay benefits for other insurance contracts from our general account, and our general account is subject to claims by our creditors. Our ability to make payments from our
              general account is subject to our financial strength and claims-paying ability. The following risks relate to circumstances and events that may negatively affect our general account and, in turn, our financial strength and claims-paying
              ability. </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;78&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_70"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Financial losses may threaten our financial strength and
            claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">As an Owner of the Contract, you do not share in the profits and
            losses generated by our business. However, if we were to experience significant losses, we might not have sufficient assets in our general account to satisfy all of our financial obligations under the Contract. Circumstances and events that may
            result in financial losses include, but are not necessarily limited to, the circumstances and events listed below. We cannot predict what specific impact that any of these circumstances or events may ultimately have on our financial strength or
            claims-paying ability.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zd33c68ce5a2b4a32b71d96eb7da602ef">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Difficult
                      Economic Conditions. <font style="font-style:Normal;"> Our financial condition is materially affected by conditions in the global capital markets and the economy generally. During an economic downturn, the demand for our
                        financial insurance products and services could be adversely affected. In addition, an economic downturn could cause the number and amount of full and partial withdrawals under our insurance products to increase significantly, and
                        owners of our insurance products may choose to defer making purchase payments or paying insurance premiums or stop them altogether. </font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;"> Unfavorable Interest Rate Environments. <font style="font-style:Normal;"> During periods of declining interest rates, we may experience financial losses as the spread between interest rates
                        that we credit to customers under our insurance products and returns on our investments tighten. The ongoing low interest rate environment presents challenges for us and other life insurance companies, as it has generally reduced
                        investment returns, raised the value of future obligations, and challenged asset-liability matching. During periods of increasing interest rates, we may experience financial losses due to increases in full and partial withdrawals
                        under our insurance products as our customers choose to forgo insurance protection in favor of potentially higher returns. Although we take measures to manage economic risks associated with different interest rate environments, we
                        may not be able to fully mitigate those risks. </font> </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="ze2d0230b6d67459ab6ec26b3eaec1d02">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Losses
                    on Fixed Maturity Investments.<font style="font-style:Normal;"> Our fixed maturity investments are subject to interest rate risk and credit risk. Interest rate risk refers to how the values of our fixed maturity investments fluctuate in
                      response to changes in market interest rates. Increases and decreases in prevailing interest rates generally result in decreases and increases, respectively, in the values of our fixed maturity investments. Credit risk refers to the
                      risk that a counterparty will default on its commitments to us under a fixed maturity investment. See &#8220;Defaults by Counterparties&#8221; below.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Losses
                    on Equity Investments.<font style="font-style:Normal;"> Our equity investments are generally valued based on quoted market prices and are subject to market risk. Market risk refers to how market prices for equity investments are subject
                      to fluctuation. A downward fluctuation in the market price for an equity investment could result in losses upon the sale of that investment. Fluctuations in market prices may result from, among other things, actual or perceived
                      changes in the attractiveness of specific investments or in general market conditions.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Losses
                    on Real Estate Investments.<font style="font-style:Normal;"> A portion of our investment portfolio consists of mortgage loans and mortgage-backed securities related to commercial, agricultural and residential real estate. The value of
                      our real estate investments may be negatively impacted by general economic conditions in the real estate sector, including supply and demand, market volatility, and interest rate fluctuations, as well as the creditworthiness of
                      obligors.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Losses
                    upon the Sale of Illiquid Investments.<font style="font-style:Normal;"> We hold certain investments that may lack liquidity, such as privately placed fixed maturity investments, mortgage loans, collateralized debt obligations,
                      commercial mortgage-backed securities, equity real estate and limited partnership interests. Although we seek to minimize the likelihood that we would need to sell illiquid investments, if we were required to liquidate these
                      investments on short notice, we may have difficulty doing so and may be forced to sell them for less than their fair value.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Loss of
                    Market Share to Competitors.<font style="font-style:Normal;"> There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the types of products and services that
                      we provide. A loss of market share to our competitors could result in financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include the successful implementation of our
                      business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation. Our ability to compete may also be hindered if our competitors obtain or seek to
                      enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not able to protect or enforce our own
                      intellectual property rights.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Defaults by Counterparties.<font style="font-style:Normal;"> Third-parties that owe us money, securities, or other assets may not fulfill their obligations to us. These parties may include issuers of
                      investments that we may hold, borrowers under loans that we may hold or extend, counterparties under swap and other derivative contracts and other third-parties (e.g., customers, trading counterparties, brokers, dealers, banks,
                      investment funds, clearing agents, exchanges and clearing houses). In addition, with respect to secured transactions, the risk of default may be exacerbated when the collateral held by us cannot be liquidated or is liquidated at a
                      price that is not sufficient to cover the full amount owed to us. A party may default on its obligations for a variety of reasons, including bankruptcy, lack of liquidity, downturns in the economy or real estate market and operational
                      failure. General economic conditions and trends may also result in increased defaults.</font> </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;79&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_71"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;" id="ze1fc1e1e36dd46ffb7a6d2aad08fd9ac">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Impairments
                    of Other Financial Institutions.<font style="font-style:Normal;"> We routinely execute transactions with counterparties in the financial services industry, including brokers, dealers, commercial banks, investment banks, insurers,
                      reinsurers and other investment and financial institutions. A disruption to, or decline in the financial condition of, such financial institutions may expose us to financial losses.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Payments
                    through Guaranty Associations.<font style="font-style:Normal;"> When an insurance company becomes insolvent, state insurance guaranty associations have the right to assess other insurance companies doing business in their state for
                      funds to pay obligations to policyholders of the insolvent company, up to the state-specified limit of coverage. The future failure of a large life, health or annuity insurer could trigger assessments which we would be obligated to
                      pay. Further, amounts for historical insolvencies may be assessed over many years, and there can be significant uncertainty around the total obligation for a given insolvency.</font> </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Ineffectiveness of Risk Management Policies.<font style="font-style:Normal;"> Our risk management policies and procedures intended to identify, monitor and manage economic risks may not be fully
                      effective at mitigating our risk exposure in all market environments or against all types of risk. This could cause us to incur investment losses or cause our hedging and other risk management strategies to be ineffective.</font> </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Changes in applicable law may negatively affect our financial
            strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We are subject to detailed and comprehensive regulation and
            supervision in New York by the New York Department of Financial Services (&#8220;NYDFS&#8221;) in jurisdictions in which we operate. 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 state and federal laws. In addition, our operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state
            insurance departments, state securities administrators, state banking authorities, the Securities and Exchange Commission, the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S.
            Commodity Futures Trading Commission.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Changes to federal and state laws and regulations may materially
            affect the way in which we conduct our business. We are faced with significant challenges due to the fact that our regulatory environment is evolving rapidly. Federal and state governments, including federal and state regulatory authorities,
            have become increasingly active in the regulation of the businesses in which we engage. In addition, federal and state regulatory authorities are assuming active, and in some cases increasingly aggressive, roles in interpreting and enforcing
            laws and regulations related to our business. We cannot predict the potential effects that any new laws or regulations, changes in existing laws or regulations, or the interpretation or enforcement of laws or regulations may have on our
            business, but such changes may negatively affect our financial strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Securities and Exchange Commission has recently adopted new
            rules (i) imposing a &#8220;best interest&#8221; standard of care on broker-dealers making recommendations to their customers and (ii) requiring broker-dealers and investment advisers to provide a written summary of the relationship between a broker-dealer
            or investment adviser, as applicable, and its customer. These new rules became effective on June 30, 2020. It remains unclear whether or to what extent these rules could ultimately affect broker-dealers&#8217; willingness to recommend our registered
            annuity products. These rules could increase, and to some extent have increased, our overall compliance costs and could also increase our exposure to legal claims in certain circumstances, including an increased risk of regulatory enforcement
            actions or potentially private claims.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The New York State Department of Financial Services (&#8220;DFS&#8221;), the
            regulatory authority for the insurance industry in New York, has adopted revisions to its Insurance Regulation 187, a regulation that imposes suitability requirements on annuity and life insurance recommendations by producers and insurers
            subject to New York law. Under the amendments to Regulation 187, recommendations of and related to annuity contracts will be subject to a best interest standard and other additional obligations. These revisions became effective for annuity
            recommendations on August 1, 2019 and for life insurance recommendations on February 1, 2020.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">In order to comply with the revisions to Regulation 187, we may
            decide to change compensation for financial professionals or otherwise change the sales support for annuities. 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 DFS-related actions.</div>
        </div>
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          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;80&#160;</div>
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      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_72"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our reserves could be inadequate due to differences between our
            actual experience and management&#8217;s estimates and assumptions.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We establish and carry reserves to pay future benefits and claims
            of policyholders. Our reserve are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, morbidity, interest rates, future equity performance, reinvestment rates, persistency,
            claims experience, and policyholder elections (i.e., the exercise or non-exercise of policy benefits). The assumptions and estimates used in connection with the reserve estimation process are inherently uncertain, involve the exercise of
            significant judgment and reflect evolving information. For example, the current rates of mortality and morbidity may continue to improve in the future due to medical and technological advancements that result in policyholders living longer than
            anticipated. We periodically review the adequacy of reserves and the underlying assumptions and make adjustments when appropriate. We cannot, however, determine with precision the amounts that we will pay for, or the timing of payment of,
            actual benefits and claims or whether the assets supporting the policy liabilities will grow to the level assumed prior to payment of benefits or claims. If actual results differ significantly from our estimates and assumptions, our claim costs
            could increase significantly and our reserves could be inadequate. If so, we will be required to increase reserves or accelerate amortization of deferred acquisition costs. However, we cannot be certain that our reserves will ultimately be
            sufficient to pay future benefits and claims of policyholders.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The amount of statutory capital that we must hold to meet our
            statutory capital requirements can vary significantly from time to time.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Statutory accounting standards and capital and reserve
            requirements are prescribed by NYDFS and the National Association of Insurance Commissioners. The NYDFS established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based capital
            (&#8220;RBC&#8221;) ratios for life insurance companies. In any particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount of statutory income or losses
            that we generate, changes in reserves, the amount of additional capital that we must hold to support business growth, changes in equity market levels, the value of certain fixed-income and equity securities in our investment portfolio, changes
            in interest rates, and changes to existing RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that we must
            maintain. There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to maintain
            minimum capitalization requirements, our business may be subject to significant increases in supervision and control by the NYDFS.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Litigation and regulatory proceedings may negatively affect our
            financial strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We have been involved in various regulatory investigations and
            examinations, and we may be involved in more in the future. We may also be named as defendants in individual lawsuits in the future. These actions arise in various contexts, including in connection with our activities as an insurer, securities
            issuer, employer, investor, and taxpayer. Lawsuits and regulatory proceedings may involve significant amounts of damages (including punitive damages) or fines that we must pay, and certain regulatory authorities involved in regulatory
            proceedings have substantial power over our business operations. An adverse outcome in any lawsuit or regulatory proceeding that results in significant financial losses or operational burdens may negatively affect our financial strength and
            claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Reinsurance may not be available or affordable, or may not be
            adequate to protect against harm to our financial strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">As part of our overall risk management strategy, we purchase
            reinsurance for certain risks underwritten by our various business segments. While reinsurance agreements generally bind the reinsurer for the life of the business reinsured at generally fixed pricing, market conditions beyond our control can
            determine the availability and cost of the reinsurance protection for new business. If we are unable to purchase the desired amount of reinsurance protection on acceptable terms, our risk of loss may increase. As our risk of loss increases, so
            does the risk that we may not be able to meet our financial obligations.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our hedging programs may be inadequate to protect against harm to
            our financial strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Certain types of insurance and investment products that we offer
            expose us to risks associated with fluctuations in financial markets. Although we use hedging techniques to manage risks associated with our insurance guarantees, increased volatility in the financial markets and unanticipated policyholder
            behavior may increase the cost of these hedges and/or</div>
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;81&#160;</div>
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      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_73"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">negatively affect our ability to hedge certain risks. We may lose money on the
            derivatives that we hold as part of our hedging programs or otherwise. Ultimately, our hedging programs may be inadequate to protect us against the full extent of the exposure or losses we seek to mitigate, which in turn may negatively impact
            our financial strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Downgrades and potential downgrades to our claims-paying and
            financial strength ratings may signal a higher risk that we may be unable to meet our financial obligations, and may themselves negatively affect our financial strength and claims-paying ability.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our claims-paying and financial strength ratings, which various
            ratings organizations publish as measures of an insurance company's ability to meet policyholder obligations, are important to maintaining public confidence in Allianz Life of New York and our products, and the ability to market our products
            and services. A downgrade or an announced potential downgrade 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:</div>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reductions
                    in new sales of insurance products, annuities and other investment products; </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">increases
                    in our cost of capital or limitations on our access to sources of capital; </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">harm to our relationships with distributors and sales specialists; </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> material
                      increases in the number or amount of full and partial withdrawals under our insurance products; </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">pressure
                    on us to reduce prices or increase crediting rates for many of our insurance products; and </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">harm to our ability to obtain reinsurance or obtain reasonable pricing for reinsurance. </td>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Similarly, downgrades or announced potential downgrades in the
            financial strength ratings of the financial institutions with which we do business may adversely impact our business operations and may cause financial losses to our business.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Risks Primarily Related to
              Our Business Operations</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Breaches of security, or interference with our technology
            infrastructure, could harm our business.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Our business relies on technology systems and networks, including
            systems and networks managed by third parties to process, transmit and store information, and to conduct business activities and transactions with clients, distributors, vendors, and other third parties. We are also subject to certain federal
            and state regulations that require us to establish and maintain policies and procedures designed to protect sensitive client information. Maintaining the integrity of our systems is critical to the success of our business operations, including
            the retention of clients, and to the protection of our clients&#8217; personal information. To date, we have not identified any material breaches or interference with our systems and networks; however, we routinely encounter and address such threats,
            including an increasing frequency of phishing scams, introductions of malware and unauthorized payment requests. Any such breaches or interference by third parties or by our employees that may in the future occur could have a material adverse
            impact on our business operations and our financial condition.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We have implemented and maintain security measures designed to
            protect against breaches of security and other interference with systems and networks resulting from attacks by third parties, including hackers, and from employee error or malfeasance. We also require third party vendors who, in the provision
            of services to us, are provided with or process information pertaining to our business or our clients to meet certain information security standards. Changes in our technology platforms, such as an evolution to accommodate mobile computing, may
            also require corresponding changes in our systems, networks and data security measures. In addition, the increasing reliance on technology systems and networks and the occurrence and potential adverse impact of attacks on such systems and
            networks, both generally and in the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cyber-security threats. As these threats, and government and regulatory
            oversight of associated risks, continue to evolve, we may be required to expend additional resources to enhance or expand upon the security measures we currently maintain.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Despite the measures we have taken and may in the future take to
            address and mitigate these risks, we cannot ensure that our systems and networks will not be subject to breaches or interference. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss
            of our proprietary information or our clients&#8217; personal information, which in turn may result in legal claims, regulatory scrutiny and liability, reputational damage, the incurrence of costs to eliminate or mitigate further exposure, the loss
            of clients or other damage to our business. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. In addition, the trend toward broad
            consumer and general public notification of such</div>
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          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
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          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;82&#160;</div>
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      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_74"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
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          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">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.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The failure to protect our clients&#8217; confidential information and
            privacy could adversely affect our business.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">A number of our businesses are subject to privacy regulations and
            confidentiality obligations, including the Gramm-Leach-Bliley Act and state privacy laws and regulations. We also have contractual obligations to protect certain confidential information we obtain from our existing vendors and clients. These
            obligations generally include protecting such confidential information in the same manner and to the same extent as we protect our own confidential information. The actions we take to protect confidential information vary by business segment
            and may include, among other things:</div>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">training
                    and educating our employees regarding our obligations relating to confidential information; </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">monitoring
                    changes in state or federal privacy and compliance requirements; </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">drafting
                    appropriate contractual provisions into any contract that raises proprietary and confidentiality issues; </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">maintaining
                    secure storage facilities for tangible records; </td>
                </tr>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">limiting
                    access to electronic information; and </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">in the event of a security breach, providing credit monitoring or other services to affected customers. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">In addition, we must develop, implement and maintain a
            comprehensive written information security program with appropriate administrative, technical and physical safeguards to protect such confidential information. If we do not properly comply with privacy regulations and protect confidential
            information, we could experience adverse consequences, including regulatory sanctions, such as penalties, fines and loss of license, as well as loss of reputation and possible litigation. This could have an adverse impact on our Company&#8217;s
            reputation and business results.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Protection from system interruptions and operating errors is
            important to our business. If we were to experience a sustained interruption to our telecommunications or data processing systems or other failure in operational execution could harm our business operations and our business results.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Operating errors and system or network interruptions could delay
            and disrupt our ability to develop, deliver or maintain our products and services, causing harm to our business and reputation and resulting in loss of customers or revenue. Operating errors and system or network interruptions may also
            interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Interruptions could be caused by operational failures arising from employee error or malfeasance,
            interference by third parties (including hackers and other cyber-attacks), implementation of new technology, and maintenance of existing technology. Our financial, accounting, data processing or other operating systems and facilities may fail
            to operate or report data properly, experience connectivity disruptions or otherwise become disabled as a result of events that are wholly or partially beyond our control, adversely affecting our ability to process transactions or provide
            products and services to customers. The cause of these interruptions can include fires, floods, earthquakes and other natural disasters, power losses, equipment failures, attacks by third parties, failures of internal or vendor software or
            systems and other events beyond our control.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">In addition, we rely on third party service providers and vendors
            for certain communications, technology and business functions and face the risk of operational failure (including, without limitation, failure caused by an inaccuracy, untimeliness or other deficiency in data reporting), termination or capacity
            constraints of any of the clearing agents, exchanges, clearing houses or other third party service providers that we use to facilitate or are component providers to our transactions and other product manufacturing and distribution activities.
            These risks are heightened by the evolution in the financial markets of increasingly sophisticated products, by business-driven hedging, by compliance issues and by other risk management or investment or by financial management strategies. Any
            such failure, termination or constraint could adversely impact our ability to implement transactions, service our clients, manage our exposure to risk or otherwise achieve desired outcomes.</div>
        </div>
        <div style="margin-top:28pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;83&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_75"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The occurrence of natural or man-made disasters and catastrophes
            could adversely affect our business operations and our business results.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The occurrence of natural or man-made disasters and catastrophes,
            including acts of terrorism, 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.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Inadequate or failed processes or systems, human factors or
            external events may adversely affect our profitability, reputation or operational effectiveness.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Operational risk is inherent in our business and can manifest
            itself in various ways, including business interruption, poor vendor performance, information systems malfunctions or failures, regulatory breaches, human errors, employee misconduct, and external fraud. These events can potentially result in
            financial loss, harm to our reputation and/or hinder our operational effectiveness. Management attempts to control these risks and keep operational risk at low levels by maintaining a sound and well controlled environment in light of the
            characteristics of our business, markets and regulatory environment in which we operate. Notwithstanding these measures, operational risk is part of the business environment in which we operate, and we may experience operational disruptions and
            incur losses from time to time due to these types or risks.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Risks Related to the
              COVID-19 Pandemic</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We continue to closely monitor developments related to the
            COVID-19 pandemic and its impact on our business and operations. The economic conditions and uncertainties during the pandemic have at times negatively impacted our net income, surplus, and capital and liquidity positions. To date, however, we
            do not believe that these economic conditions and uncertainties have negatively impacted our overall financial strength and claims-paying ability in a significant manner. Nor do we believe that our administration of the Contract and our other
            insurance contracts has been disrupted in a significant manner, even as many of our employees and the employees of our third-party service providers continue to work remotely.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The extent to which the pandemic will impact our business and
            operations in the future will depend on future developments, which are highly uncertain and cannot be predicted, including the scope and duration of the pandemic and actions taken by governmental authorities and other third parties in response
            to the pandemic. The pandemic could have a material adverse effect on our financial condition and operations.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The pandemic-related risks that we face include (but are not
            necessarily limited to) the following:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z51d1537b7de44c53949c1a43a8b6e465">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Economic
                    conditions and uncertainties may negatively impact the value, cash flow, and liquidity of our general account investments due to, <font style="font-style:italic;">e.g.</font>, market volatility, reduced liquidity, changes in interest
                    rates, economic shutdowns or slowdowns, government regulations, and counterparty defaults. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Voluntary or government mandated hardship assistance that we provide to our customers in the form of, <font style="font-style:italic;">e.g.</font>, grace periods for failure to make timely payments,
                    may reduce our net income and surplus. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zba989d42bbcc4af39f3dc6183f6ee343">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;"> &#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;"> Reductions
                      in new sales of our financial products or reductions in fees collected by us, or increases in full withdrawals, cancellations, or defaults with respect to our customers&#8217; existing financial products, as a result of economic conditions
                      and uncertainties may reduce our net income and surplus. </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zf87cef9f99664bf3bf906661ea0e3c38">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Economic
                    conditions and uncertainties may limit our access to sources of capital and our ability to obtain reinsurance. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Voluntary and government mandated pandemic mitigation<font style="font-style:italic;"> </font>efforts, such as prolonged remote working arrangements and economic shutdowns, and employees&#8217; ability or
                    willingness to fulfill their responsibilities during the pandemic, may disrupt our ability to administer our insurance contracts (including our ability to timely process applications, transactions, and payments and to calculate values)
                    and may disrupt the services provided by third-parties upon which we rely to administer our insurance contracts. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">In addition to the risks listed above, to the extent that the
            pandemic impacts our business and operations, it may also have the effect of heightening the other risks described in this section of the prospectus.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;84&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_881bd645-7741-4cc8-9e0b-d348ea9b737b_76"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">13.<font style="text-transform:uppercase;">&#160;&#160;Financial

              Statements</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The statutory financial statements of
              Allianz Life Insurance Company of New York as of December 31, 2020 and 2019 and for each of the three years in the period ended December 31, 2020 included in Appendix E of this prospectus have been so included in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The unaudited statutory financial statements of Allianz Life
              Insurance Company of New York as of September 30, 2021 and audited statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2020, as well as the related unaudited statutory statements of operations,
              capital and surplus and cash flow for the three month periods ended September 30, 2021 and September 30, 2020 are included in Appendix D. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The financial statements of the subaccounts of Allianz Life of
              NY Variable Account C of Allianz Life Insurance Company of New York (&#8220;Variable Account C&#8221;) as of December 31, 2020 and 2019 and for each of the two years in the period ended December 31, 2020 included in Appendix B of the SAI, which is
              incorporated in this prospectus by reference to Pre-Effective Amendment No. [XX] to Variable Account C&#8217;s Form N-4 filed with the SEC (File No. 333-XXXXX), have been so included in reliance on the report of PricewaterhouseCoopers LLP, an
              independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. </div>
        </div>
        <div style="margin-top:473pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;85&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_d8518aa7-a05f-4985-a3dd-72357de0277c_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">14.<font style="text-transform:uppercase;">&#160;&#160;Privacy
              Notice</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life Insurance Company of New York<br>
            Home Office: New York, NY<br>
            Administrative Office<br>
            5701 Golden Hills Drive<br>
            Minneapolis, MN 55416-1297<br>
            800.328.5600</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your privacy is a high priority for Allianz Life Insurance
            Company of New York (&#8220;we&#8221; or &#8220;our&#8221;). This Privacy Notice outlines our principles for collecting, using, and protecting information that we maintain about you. This Privacy Notice is also displayed on our website at www.allianzlife.com/new-york.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Information about you that Allianz Life of NY collects</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We collect information about you so that we can process the
            insurance transactions you request and administer or service your policy. We also collect information to inform you of new products and services and to engage in studies or research relating to our business. We limit the information collected
            to what is needed for our business purposes. We may collect your information from the following sources.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z038a0c1c45884d97bb601dac850b8f5f">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">From
                    you, either directly or through our financial professionals. This may include information provided on your insurance application or other forms you may complete. The information we collect includes, but is not limited to, your name,
                    Social Security number, address, telephone number, mobile phone number, and email address. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">From
                    others, through the process of issuing a policy or handling a claim. This may include information from consumer reporting agencies and medical or accident reports. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">From
                    your doctor or during a home visit by a health care professional. This may include your health records gathered with your written consent. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">From
                    your relationship with us. For example, this may include the number of years you have been a customer or the types of products you have purchased. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">From data brokers that collect publicly available information about you. This includes household information, financial transactions, and social media activity. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Information about you that Allianz Life of NY shares</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We do not share information about current or former customers
            with anyone, except as allowed by law. &#8220;Allowed by law&#8221; means that we may share the information we collect about you as follows.</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zebb671789ef1424098ce42714c7ab3ae">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">With
                    people and entities when we have your consent to share your information. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">With
                    our affiliates and other third parties in order to process your application, or administer or service your policy. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">With
                    consumer reporting agencies to obtain a medical report, credit report, or motor vehicle report. These reports are used to decide eligibility for a policy or to process transactions you request. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">With
                    our financial professionals so that they can service your policy. They may also inform you of other Allianz Life of NY products and services that may be of interest to you. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">With
                    health care providers in order to process your claim. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">As
                    required or otherwise permitted by law. This may include sharing information with state insurance agencies, law enforcement, and other government officials. We may also share your information to respond to subpoenas, court orders, and
                    other legal requests. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">With
                    research groups to conduct studies on our business to improve the products and services we offer. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">To
                    inform you of products and services that may be of interest to you. These communications may be made by us, our financial professionals, or through third parties. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">With our affiliates so they can market their products and services to you. State insurance laws do not allow you to restrict this disclosure. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Allianz Life of NY does not sell your information to anyone</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We do not sell your information to anyone for their own marketing
            purposes. For this reason, we are not required to obtain your &#8220;opt in election,&#8221; &#8220;opt out election&#8221; or authorization.</div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;86&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_d8518aa7-a05f-4985-a3dd-72357de0277c_2"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life of NY policies and practices regarding security of your
            information</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We limit access to your information to those employees,
            affiliates, and service providers who need it for our business purposes. We protect your information using safeguards that comply with applicable federal and state law. This includes measures that are administrative, physical, and technical in
            nature. We use reasonable measures to secure our websites and protect the information that may be shared over these sites.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your ability to access and correct your information</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You have the right to access and obtain a copy of your
            information. This does not include the right to access and copy your information related to a claim or civil or criminal proceeding. You may also write to us and ask about disclosure(s) of your information made within the last two (2) years. If
            you wish to review your information, please write us at:</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life Insurance Company of New York<br>
            Attn: Privacy Office<br>
            PO Box 1344<br>
            Minneapolis, MN 55440-1344</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Please provide your full name, address and policy number(s) in
            your written request. For your protection, please have your request notarized. We reserve the right to ask for additional verification of your identity.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Within 30 working days of our receipt of your written request,
            you may see and get a copy of your information in person. If you prefer, we will send you a copy of your information. If medical information is contained in your file, we may request that you name a medical professional to whom we will send
            your information.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you believe any of your information is incorrect, you may
            write to us at the address above. Within 30 working days, we will let you know if our review has resulted in a correction of your information. If we do not agree there is an error, you may file a statement disputing our finding. We will attach
            the statement to your file. We will send any corrections we make, or your statement, to anyone we shared your information with over the past two years, and to anyone who may receive your information from us in the future. We do not control the
            information about you obtained from a consumer reporting agency or a Department of Motor Vehicles. We will provide you with the names and addresses of these agencies so you can contact them directly.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Notification of change</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your trust is one of our most important assets. If we revise our
            privacy practices in the future, we will notify you prior to implementing any changes.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">For more information or if you have questions</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you have any questions or concerns about our privacy
            practices, please call the Corporate Compliance Privacy Office at 800.328.5600, write us at the address above, or contact us via the secured website.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">This Privacy Notice is being provided on behalf of the following
            companies:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="z140075437d724956b7c0568da8e5de0a">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Allianz
                    Life Insurance Company of New York </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Allianz Life Financial Services, LLC </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-align: right; text-decoration: none; text-transform: none;">M40018-NY (R-08/2020)</div>
        </div>
        <div style="margin-top:177pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;87&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_3a70456f-7767-410e-a2e6-4ac6289a4990_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: lowercase;">15.<font style="text-transform:uppercase;">&#160;&#160;Table of
              Contents of the Form N-4 SAI</font></div>
        </div>
        <div style="float:left;overflow:hidden;position:relative;width:48.40%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:100%;" id="ze058880a0c064abf940d6dd65c5f8b98">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Allianz Life of New York as Custodian </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber1] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Legal Opinions </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber3] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:55.88%;">
                    <div style="float:left;"> Distributor </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber4] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Administrative Service Fees </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber5] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Federal Tax Status </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber6] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Annuity Contracts in General </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber7] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Taxation of Annuities in General </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber8] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Qualified Contracts </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber9] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Purchasing a Qualified Contract </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber10] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Distributions-Qualified Contracts </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber11] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Distributions-Non-Qualified Contracts </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber12] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Required Distributions </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber13] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:55.88%;">
                    <div style="float:left;"> Diversification </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber14] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Owner Control </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber15] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Contracts Owned by Non-Individuals </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber16] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Annuity Purchases by Nonresident Aliens and Foreign Corporations </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber17] </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="float:right;overflow:hidden;position:relative;width:48.40%;" type="Block">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:100%;" id="z0a13f068481f4523a1bf60b818380618">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Income Tax Withholding </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:3pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber19 </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Multiple Contracts </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber20] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Partial 1035 Exchanges </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber21] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Assignments, Pledges and Gratuitous Transfers </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber22] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Death Benefits </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber23] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Spousal Continuation and the Federal Defense of Marriage Act (DOMA) </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber24] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Federal Estate Taxes </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber25] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Generation-Skipping Transfer Tax </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber26] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Foreign Tax Credits </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber27] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Possible Tax Law Changes </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber28] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Annuity Payments </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber29] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Annuity Payment Options </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber30] </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Appendix A &#8211; Death of the Owner and/or Annuitant </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber32] </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:55.88%;">
                    <div style="float:left;"> Appendix B &#8211; Allianz Life of NY Variable Account C Financial Statements </div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:45.38%;"> [DisplaySAIPageNumber38] </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="clear:both;">
          <div style="clear:both;padding-top:347pt;width:100%;" type="Block">
            <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
            <div style="clear: both; color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">&#8211;</div>
          </div>
        </div>
        <div style="padding-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;88&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Appendix A &#8211; Available Indexes</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">S&amp;P 500<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is comprised of 500 stocks representing major U.S. industrial sectors.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">S&amp;P<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> is a registered trademark of Standard &amp; Poor&#8217;s Financial Services LLC (&#8220;S&amp;P&#8221;). This trademark has been licensed for use by S&amp;P Dow Jones
            Indices LLC. S&amp;P marks are trademarks of S&amp;P. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of New York (&#8220;Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY&#8221;). The S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index (&#8220;the Index&#8221;) is a
            product of S&amp;P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz Life of NY.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Allianz Life of NY products are not sponsored, endorsed, sold, or
            promoted by S&amp;P Dow Jones Indices LLC, Dow Jones, S&amp;P, or any of their respective affiliates (collectively, &#8220;S&amp;P Dow Jones Indices&#8221;). S&amp;P Dow Jones Indices make no representation or warranty, express or implied, to the owners of
            the Allianz Life of NY products or any member of the public regarding the advisability of investments generally or in Allianz Life of NY products particularly or the ability of the Index and Average to track general market performance. S&amp;P
            Dow Jones Indices&#8217; only relationship to Allianz Life of NY with respect to the Index and Average is the licensing of the Index and Average and certain trademarks, service marks, and/or trade names of S&amp;P Dow Jones Indices and/or its
            third-party licensors. The Index and Average are determined, composed, and calculated by S&amp;P Dow Jones Indices without regard to Allianz Life of NY or the products. S&amp;P Dow Jones Indices have no obligation to take the needs of Allianz
            Life of NY or the owners of the products into consideration in determining, composing, or calculating the Index and Average. S&amp;P Dow Jones Indices are not responsible for and have not participated in the design, development, pricing, and
            operation of the products, including the calculation of any interest payments or any other values credited to the products. S&amp;P Dow Jones Indices have no obligation or liability in connection with the administration, marketing, or trading
            of products. There is no assurance that investment products based on the Index and Average will accurately track index performance or provide positive investment returns. S&amp;P Dow Jones Indices LLC and its subsidiaries are not investment
            advisors. Inclusion of a security or futures contract within an index is not a recommendation by S&amp;P Dow Jones Indices to buy, sell, or hold such security or futures contract, nor is it considered to be investment advice. Notwithstanding
            the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to products currently being issued by Allianz Life of NY, but which may be similar to and competitive with Allianz Life of NY
            products. In addition, CME Group Inc., an indirect minority owner of S&amp;P Dow Jones Indices LLC, and its affiliates may trade financial products which are linked to the performance of the Index and Average. It is possible that this trading
            activity will affect the value of the products.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">S&amp;P DOW JONES INDICES DO NOT GUARANTEE THE ADEQUACY,
            ACCURACY, TIMELINESS, AND/OR THE COMPLETENESS OF THE INDEX AND AVERAGE OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.
            S&amp;P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&amp;P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES, OF MERCHANTABILITY
            OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ALLIANZ LIFE OF NY, OWNERS OF THE PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX AND AVERAGE OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT
            LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&amp;P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME,
            OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&amp;P DOW JONES
            INDICES AND ALLIANZ LIFE OF NY OTHER THAN THE LICENSORS OF S&amp;P DOW JONES INDICES.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Russell 2000<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index, which is made up of 3,000 of the biggest U.S. stocks. The Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do
            not affect the performance and characteristics of the true small-cap index.</div>
        </div>
        <div style="margin-top:16pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Appendix A</div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;89&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_dcd10c10-995a-4068-8998-b5fbaa0336d9_2"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index (the &#8220;Index&#8221;) is a trademark of Frank Russell Company (&#8220;Russell&#8221;) and has been licensed for use by Allianz Life Insurance Company of New York
            (&#8220;Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY&#8221;). Allianz Life of NY products are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock
            Exchange Group companies (&#8220;LSEG&#8221;) (together the &#8220;Licensor Parties&#8221;) and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the
            use of the Index (upon which the Allianz Life of NY product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which
            it is being put in connection with the Allianz Life of NY product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz Life of NY or to its clients.
            The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error
            therein.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Nasdaq-100<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The NASDAQ-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> based on market capitalization.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Product(s) is not sponsored, endorsed, sold or promoted by
            Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the &#8220;Corporations&#8221;). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to,
            the Product(s). The Corporations make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s)
            particularly, or the ability of the Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> to track general stock market performance. The Corporations' only relationship to Allianz Life
            Insurance Company of New York (&#8220;Licensee&#8221;) is in the licensing of the NASDAQ<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>, and Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> which is determined, composed and calculated by NASDAQ without regard to Licensee or the Product(s). Nasdaq has no obligation to take the needs of
            the Licensee or the owners of the Product(s) into consideration in determining, composing or calculating the Nasdaq-100 Index<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>. The Corporations are
            not responsible for and have not participated in the determination of the timing of, prices of, or quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into
            cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product(s).</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR
            UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO
            RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> OR ANY DATA
            INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR
            SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">EURO STOXX 50<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>, Europe's leading blue-chip index for the Eurozone, provides a blue-chip representation of supersector leaders in the Eurozone. The index covers 50
            stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">STOXX Limited, Deutsche B&#246;rse Group and their licensors, research
            partners or data providers have no relationship to Allianz Life Insurance Company of New York (&#8220;Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY&#8221;), other than the licensing of
            the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> and the related trademarks for use in connection with Allianz Life of NY products.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">STOXX, Deutsche B&#246;rse Group and their licensors, research partners
            or data providers do <font style="text-decoration:underline;">not</font>:</div>
          <div>
            <table cellspacing="0" cellpadding="2" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;" id="zab5fb2e1ac30479e850d16879b2b3918">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">sponsor,
                    endorse, sell or promote Allianz Life of NY products. </td>
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                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">recommend
                    that any person invest in Allianz Life of NY products or any other securities. </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">have any responsibility or liability for or make any decisions about the timing, amount or pricing of Allianz Life of NY products. </td>
                </tr>

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          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Appendix A</div>
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        <div style="margin-top:323pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Appendix A</div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;91&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_0d8395aa-efa1-455f-99fa-6241c164bbdb_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Appendix B &#8211; Daily Adjustment</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Generally</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> 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: </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;" id="z2faa4821930b4b92a0d088e99e7f1a5e">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;"> (i) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;"> any
                      Index gains during the Term subject to the applicable Cap and/or Participation Rate, </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;" id="za5398c27a9e4428695d4fd095ba8737d">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(ii) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">any
                    Index losses greater than the Buffer, and </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:2pt;width:97.98%;" id="zb7610218ed994789b1cae52f5f66a970">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;"> (iii) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;"> the
                      number of days until the Term End Date. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The Daily Adjustment formula has two
              primary components, (i) the change in Proxy Value and (ii) accumulated proxy interest, which are added together and then multiplied by the Index Option Base. We designed the Daily Adjustment to estimate the present value of positive or
              negative Performance Credit that will be available on the 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. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Daily Adjustment Formula</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 1pt; text-decoration: none; text-transform: none;">The formula for the calculation of the Daily Adjustment is as
            follows:</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Daily Adjustment = [(a) change in Proxy Value + (b) proxy
            interest] x Index Option Base</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Where:</div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;" id="z279130fca16346e3b932ee5666f4611b">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">(a) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">change
                    in Proxy Value = (current Proxy Value &#8211; beginning Proxy Value) </td>
                </tr>

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;" id="z9a450ca0cc534c7db3f0e7f1b8678b99">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;"> (b) </td>
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;"> proxy
                      interest = beginning Proxy Value x (1 &#8211; time remaining during the Term) </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Calculating Change in Proxy Value</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The change in Proxy Value represents the
              current hypothetical value of the Proxy Investment (current Proxy Value), less the cost of the Proxy Investment on the Term Start Date (beginning Proxy Value). </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The current Proxy Value is the Proxy Value calculated on the
              same day as the Daily Adjustment. The beginning Proxy Value is the Proxy Value calculated on the Term Start Date. </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Proxy Value tracks three hypothetical derivative investments
            (call and put options) that we designed to mimic the market value of your allocation to an Index Performance Strategy or an Index Protection NY Strategy Index Option. We calculate a Proxy Value for each of your selected Index Options.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Proxy Value involves tracking three hypothetical derivatives
            and is calculated using the following formula:</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 2pt; padding-left: 2.83%; text-decoration: none; text-transform: none;">Proxy Value = (at-the-money call) &#8211;
            (out-of-the-money call) &#8211; (out-of-the-money put)</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> With respect to our Proxy Value formula,
              we designed the at-the-money call and out-of-the-money call to value the potential for Index gains 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 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. </div>
        </div>
        <div style="margin-top:27pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Appendix B</div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;92&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_0d8395aa-efa1-455f-99fa-6241c164bbdb_2"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Calculating Proxy Interest</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The proxy interest is an amount of
              interest that is earned to provide compensation for the cost of the Proxy Investment 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. The Term
              length is 365 days for a 1-year Term; 1,095 days for a 3-year Term; and 2,190 days for a 6-year Term. The proxy interest may be significantly different from current interest rates available on interest bearing investments. </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Additional Information</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 1pt; text-decoration: none; text-transform: none;">You can find a more detailed explanation of the calculation of
            the Proxy Value, including examples, in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This Exhibit is incorporated by reference into this prospectus. You can obtain a copy of
            Exhibit 99(a) by calling (800) 624-0197, or visiting our website at www.allianzlife.com/new-york.</div>
        </div>
        <div style="margin-top:505pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">Appendix B</div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;93&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_d29a829e-ba5b-416b-b40f-4332e00ca386_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;"> Appendix C &#8211; Annual Contract Fees Calculation
              Examples </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 13pt; margin-top: 1pt; text-decoration: none; text-transform: none;">Please note that these examples may differ from your actual results
            due to rounding.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">On the Quarterly Contract Anniversary your annual product fee is
            1.25% and your Contract Value and Charge Base are $100,000. This Contract Value includes any Variable Option gains or losses and any Daily Adjustments or Performance Credits on the Index Options. During the quarter you make no additional
            Purchase Payments and take no withdrawals. We calculate the daily product fee amount for this quarter as follows:</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">(the Charge Base) x (annual product fee &#247; 365) = daily product fee
            amount, or:<font style="font-weight:Normal;"> $100,000 x (1.25% &#247; 365) = $3.42</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If there are 89 days in the current quarter (which includes the
            next Quarterly Contract Anniversary), then the total quarterly product fee is:</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">(number of days in the current quarter) x (daily product fee
            amount), or:<font style="font-weight:Normal;"> 89 x $3.42 = $304.79</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> On the next Quarterly Contract Anniversary
              we would deduct $304.79 from the Contract Value. We first account for any gains/losses on the Variable Options and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional Purchase Payments,
              withdrawals you take, and deductions we make for the total quarterly product fee. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract Anniversary after all
              processing is $101,250 we would begin computing the daily product fee for the next quarter on the next day as: </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">(the Charge Base) x (annual product fee &#247; 365) = daily product fee
            amount, or:<font style="font-weight:Normal;"> $101,250 x (1.25% &#247; 365) = $3.47</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> If you make an additional Purchase Payment
              of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily product fee for the
              remainder of the quarter on the next day as: </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">(the Charge Base) x (annual product fee &#247; 365) = daily product fee
            amount, or:<font style="font-weight:Normal;"> $116,250 x (1.25% &#247; 365) = $3.98</font></div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If there are 92 days in the current quarter (which includes the
            next Quarterly Contract Anniversary), then the total quarterly product fee is:</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">(number of days in the current quarter) x (daily product fee
            amount), or:</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">(43 x $3.47) + (49 x $3.98) = $149.10 + $195.08 = $344.18</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> On the next Quarterly Contract Anniversary
              we would deduct $344.18 from the Contract Value after we account for any gains/losses on the Variable Option and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any additional Purchase
              Payments, withdrawals you take, and deductions we make for the total quarterly product fee and set the Charge Base equal to this new Contract Value and begin computing the daily product fee for the next quarter on the next day. </div>
        </div>
        <div style="margin-top:228pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;"> Appendix C </div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;94&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_5227afed-b548-48b1-a161-007d500c5471_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; padding-left: 25.7334pt; text-decoration: none; text-indent: -25.7334pt; text-transform: uppercase;"> Appendix
              D &#8211; Unaudited Selected Financial Data and Statutory Financial Statements </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 1pt; text-decoration: none; text-transform: none;"> [To be added upon amendment] </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;"> Management&#8217;s Discussion and Analysis of Financial Condition
              and Results of Operations (For the 9 Month Period Ending September 30, 2021) </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The following discussion of our financial condition and
              results of operations should be read in conjunction with our statutory financial statements and notes to those statements included in this Appendix. The discussion and analysis in this Appendix includes certain forward-looking statements that
              are subject to risks, uncertainties and other factors, as described in &#8220;Risk Factors&#8221; and elsewhere in this prospectus, that could cause our actual growth, results of operations, performance, financial position and business prospects and
              opportunities in the remainder of 2021 and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See &#8220;Forward-Looking Statements.&#8221; </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;"> Unaudited Statutory Financial Statements </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;"> The following unaudited statutory financial statements of
              Allianz Life Insurance Company of New York as of September 30, 2021 and unaudited statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2020, as well as the related unaudited statutory statements of
              operations, capital and surplus and cash flow for the nine month periods ended September 30, 2021 and September 30, 2020 are included in this Appendix. </div>
        </div>
        <div style="margin-top:443pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;"> Appendix D </div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;95&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_f7379ebe-57eb-4e92-b7f3-1ccf78c6c7e1_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; padding-left: 25.7334pt; text-decoration: none; text-indent: -25.7334pt; text-transform: uppercase;"> Appendix
              E &#8211; Selected Financial Data and Statutory Financial Statements </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 1pt; text-decoration: none; text-transform: none;"> [To be added upon amendment] </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Management&#8217;s Discussion and Analysis of Financial Condition and
            Results of Operations (For the 12 month period ended December 31, 2020)</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following discussion of our financial condition and results
            of operations should be read in conjunction with our statutory financial statements and notes to those statements included in this Appendix. The discussion and analysis in this Appendix includes certain forward-looking statements that are
            subject to risks, uncertainties and other factors, as described in &#8220;Risk Factors&#8221; and elsewhere in this prospectus, that could cause our actual growth, results of operations, performance, financial position and business prospects and
            opportunities in 2021 and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See &#8220;Forward-Looking Statements.&#8221;</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Statutory Financial Statements</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-decoration: none; text-transform: none;"> The statutory financial statements of
              Allianz Life Insurance Company of New York as of December 31, 2020 and 2019 and for each of the three years in the period ended December 31, 2020 included in this Appendix E have been so included in reliance on the report of
              PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street,
              Suite 3400, Minneapolis, MN. </div>
        </div>
        <div style="margin-top:431pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;"> Appendix E </div>
        </div>
        <div style="margin-top:3pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;96&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
      <hr style="margin-bottom:0pt;">
      <p style="margin:0pt;page-break-before:always;">&#160; </p>
      <div style="width:100%;"> <a name="xx_4870e812-506e-4813-9406-3749faf0edab_1"> </a>
        <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0e8f2e09-75f4-4d45-9e10-105bc1e7f8f3_va-toc"> Table of Contents </a>
        </div>
        <div style="width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
          <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">For Service or More Information</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The SEC maintains a website (www.sec.gov). The prospectus, the
            Form N-4 SAI and other information about the Contract are available on the EDGAR database on the SEC&#8217;s website. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address:
            publicinfo@sec.gov.</div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Our Service Center</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you need customer service (for Contract changes, information
            on Contract Values, requesting a withdrawal or transfer, changing your allocation instructions, etc.) please contact our Service Center at <font style="font-weight:bold;">(800) 624-0197</font>.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">To send an application, a check for an additional Purchase
            Payment, or for general customer service, please mail to the appropriate address as follows:</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;" id="z5a426b0ec6804f8fbb2e21d872618f29">

                <tr style="page-break-inside:avoid;">
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:0pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:48.00%;">Send an application or additional Purchase Payment<br>
                    with a check: </td>
                  <td style="line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:3pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:6pt;padding-top:3pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:51.21%;">Send an application or general customer service<br>
                    without a check: </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:2.62pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:48.00%;">REGULAR MAIL </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:2.62pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:6pt;padding-top:2.62pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:51.21%;">REGULAR MAIL </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:48.00%;">Allianz Life Insurance Company of New York<br>
                    NW5990<br>
                    P.O. Box 1450<br>
                    Minneapolis, MN 55485-5990 </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:51.21%;">Allianz Life Insurance Company of New York<br>
                    P. O. Box 561<br>
                    Minneapolis, MN 55440-0561 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="padding-top:1.5pt;text-align:left;vertical-align:top;width:100%;" colspan="3">&#160; </td>
                </tr>
                <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:48.00%;">OVERNIGHT, CERTIFIED, OR REGISTERED MAIL </td>
                  <td style="line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-left:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:51.21%;">OVERNIGHT, CERTIFIED, OR REGISTERED MAIL </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.00%;">Allianz Life Insurance Company of New York<br>
                    NW5990<br>
                    1801 Parkview Drive<br>
                    Shoreview, MN 55126 </td>
                  <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-bottom:6pt;padding-left:6pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:51.21%;">Allianz Life Insurance Company of New York<br>
                    5701 Golden Hills Drive<br>
                    Golden Valley, MN 55416-1297 </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;" id="z8478250e66484efdb341e144030657ff">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:13pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">Checks sent to the wrong address for applications or additional Purchase Payments are forwarded to the 1801 Parkview Drive address listed above, which may delay
                    processing. </td>
                </tr>

            </table>
          </div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 9pt; text-decoration: none; text-transform: none;">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: www.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.</div>
          <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Until May 1, 2022, all dealers that effect transactions in these
            securities may be required to deliver a prospectus.</div>
        </div>
        <div style="margin-top:253pt;width:100%;" type="Block">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-bottom: 2pt; margin-top: 2pt; text-align: center; text-decoration: none; text-transform: none;"> Allianz Index Advantage <sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;"> &#174; </sup> New York Variable Annuity Prospectus &#8211; [MMDD], 2021 </div>
        </div>
        <div style="margin-top:4pt;width:100%;" type="Block">
          <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;97&#160;</div>
        </div>
      </div>
      <div style="clear:both;font-size:12pt;height:0pt;"> </div>
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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;"> <br>
    </div>
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      <div id="DSPFPageFooter"></div>
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    <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; text-indent: 0.1pt; line-height: 17.8pt; margin-top: 2.8pt; font-family: Arial; font-size: 12pt;">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="line-height: 11.4pt; font-family: 'Times New Roman'; 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>
    <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow';">Securities and Exchange Commission Registration Fee</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.05pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;


        &#160; &#160; &#160; &#160; &#160; &#160; &#160; </font><font style="font-family: 'Arial Narrow';">$ 25,760</font></div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow';">--------------</div>
    <div style="line-height: 11.4pt; margin-top: 0.5pt;"><font style="font-family: 'Arial Narrow';">Estimated Printing and Filing Costs:</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.09pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;


        &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; &#160;&#160; </font><font style="font-family: 'Arial Narrow';">$ 30,000</font></div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow';">--------------</div>
    <div style="line-height: 11.4pt; margin-top: 0.55pt;"><font style="font-family: 'Arial Narrow';">Estimated Accounting Fees:</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.09pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;


        &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; </font><font style="font-family: 'Arial Narrow';">$ 60,000</font></div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow';">---------------</div>
    <div style="line-height: 11.4pt; margin-top: 0.5pt;"><font style="font-family: 'Arial Narrow';">Estimated Legal Fees:</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.09pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;


      </font><font style="font-family: 'Arial Narrow';">$ 175,000</font></div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow';">---------------</div>
    <div style="line-height: 11.4pt; margin-top: 0.5pt;"><font style="font-family: 'Arial Narrow';">Estimated Miscellaneous Fees:</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.09pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;


        &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; &#160;&#160;&#160; </font><font style="font-family: 'Arial Narrow';">$<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.75pt;">&#160;&#160;&#160;&#160;&#160;&#160;</font>N/A</font></div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow';">---------------</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: 6.7pt; font-family: 'Times New Roman'; 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="line-height: 8.55pt; margin-top: 0.55pt;"><br style="line-height: 8.55pt;">
    </div>
    <div style="line-height: 11.85pt; font-family: 'Times New Roman';">The Bylaws of the Insurance Company provide:</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="line-height: 11.85pt; font-family: 'Times New Roman';">ARTICLE X</div>
    <div style="line-height: 11.85pt; font-family: 'Times New Roman';">INDEMNIFICATION OF OFFICERS, DIRECTORS AND EMPLOYEES</div>
    <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
    </div>
    <div style="line-height: 11.85pt; font-family: 'Times New Roman';">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="line-height: 11.85pt; font-family: 'Times New Roman';">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>
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    <div style="line-height: 9.7pt;"><br style="line-height: 9.7pt;">
    </div>
    <div style="line-height: 9.7pt; margin-top: 0.1pt;"><br style="line-height: 9.7pt;">
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman'; font-weight: bold;">ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES.</div>
    <div style="line-height: 10.25pt; margin-top: 0.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman';">NOT APPLICABLE.</div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman'; font-weight: bold;">ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.</div>
    <div style="line-height: 16.55pt; margin-top: 0.05pt;"><br style="line-height: 16.55pt;">
    </div>
    <div><font style="font-family: Calibri;">(a)</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.59pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-weight: bold;">Exhibits.</font></div>
    <div style="line-height: 9.7pt; margin-top: 0.35pt;"><br style="line-height: 9.7pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z256da45efe3e45bcb9f49cebd4abafef" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 1.05pt; line-height: 11.85pt; font-family: Calibri;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; font-family: 'Times New Roman';">(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="z8bdbfc55fb8f4517bded7a7cf51c17ec" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 7.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(b)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 13.25pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';"><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="zc9ad2e4d68c84347a53b7e36a65b5db9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 7.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(c)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';">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="z3e6268e4c80a4e389f5dfd67e5729459" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="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: 'Times New Roman';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z32decf4164f04c7fa3718f0fb31b907d" 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; align: right;">
              <div style="margin-left: 1.05pt; line-height: 11.85pt; margin-top: 5.3pt; font-family: Calibri;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.85pt; margin-top: 5.3pt; font-family: 'Times New Roman';">(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: justify; text-indent: -13.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';">(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="line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';">4.(a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4a.htm">Deferred Annuity Contract, L40538-NY</a>, as revised 5/16/14, filed on
      December 8, 2014, as Exhibit 4(a) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z707b9739c71348df942e182b18ef507f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 6.55pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(b)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex4b.htm">Contract Schedule Pages, S40877-NY</a>, filed on May 2, 2014 as
                Exhibit 4(b) to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference. <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4b.htm">Schedule pages S40875-NY,
                  S40876-NY</a>, as revised 5/9/14, filed on December 8, 2014, as Exhibit 4(b) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z76c6d3a6b8264bb19ad469c0d9bd366a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(c)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 18.8pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4c.htm">Application for Individual Annuity Contract,
                  F40538-NY</a>, as revised 5/2014, filed on December 8, 2014, as Exhibit 4(c) to Registrant's Post-Effective Amendment No. 1 on Form S-1, is incorporated by reference. <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4cindadvnyapplication.htm">Application for Ind. Var. Annuity Contract &#8211; F40538-02-NY (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(c) to Registrant's
                Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z270d011c9045402a9a9b87c775052f74" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(d)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 19.35pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex4d.htm">Index Performance Strategy Rider,
                  S40878-NY</a>, filed on May 2, 2014 as Exhibit 4(d) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc60ab780576049e9acf1a1c3a98dc7e4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(e)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 18.65pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex4e.htm">Traditional Death Benefit Rider, S40880-NY</a>,
                filed on May 2, 2014 as Exhibit 4(e) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2efac302071e439a840239279d402fc8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(f)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4findadvnyschedpgs.htm">Allocation Options Schedule page
                  S40876-NY01 (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(f) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z51beaca277bb4ef5b9823e0ed13961af" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 22.5pt; vertical-align: top; align: right;">
              <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(g)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 19.25pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';"><a href="https://www.sec.gov/Archives/edgar/data/80019/000008001915000002/ex4indadvnyapplapr202015.htm">Variable
                  and Index-Linked Annuity Contract L40538-NY01 (5/2015)</a>, filed on April 20, 2015, as Exhibit 4(g) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Times New Roman';">5.**&#160; Opinion re Legality &#8211; to be filed by amendment</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z15f8e4af9d844bbfad0361836bc64202" 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;">

          <tr>
            <td style="width: 22.3pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; margin-bottom: 6pt; font-family: Calibri;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; margin-bottom: 6pt; font-family: 'Times New Roman';">Opinion re Tax Matters - not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9b536a3a69e845058c93e765346a8ff0" 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: 13.5pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: Calibri;">9.&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
              </div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: 'Times New Roman';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageFooter"></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8f01fd672d484c15978efcf10b87e22b" 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; align: right;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: Calibri;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: 'Times New Roman';">Material Contracts - not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0c32f1804f604dbca0589c93b490d55b" 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; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">11.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7e5cc1951a274a0aaf7446b9dfd72c4c" 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; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">12.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2e57d7376225412facf9f93f2fc9d2c5" 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; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">15.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze9606262c9624ea1b4feacfee810c49c" 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; align: right;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">16.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman';">Not applicable</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-indent: -18pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman';">21.&#160; &#160; Not applicable.</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za13f74f393af43ccba437673907c4ee9" 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: 13.5pt; vertical-align: top; align: right;">
              <div style="line-height: 16.6pt; margin-top: 5.3pt; font-family: Calibri;">23.&#160;&#160;&#160;&#160;&#160; <br>
              </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: 'Times New Roman';">(a)** Consent of Independent Registered Public Accounting Firm, to be filed by amendment.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 16.6pt; font-family: 'Times New Roman';">&#160;&#160;&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; (b) Consent of Counsel, filed herewith as Exhibit 5.</div>
    <div style="text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 0.2pt; font-family: 'Times New Roman';">24. (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-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';">(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-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman';">(c)* <a href="ex24c.htm">Powers

        of Attorney</a>, filed herewith.</div>
    <div style="text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Times New Roman';">25. Not applicable</div>
    <div style="text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman';">26. Not applicable</div>
    <div style="text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman';">99. (a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001919000001/ex99a.htm">Appendix A Exhibit &#8211; Daily
        Adjustment Calculation &#8211; INY-024a (04/19)</a>, filed on January 25, 2019, as Exhibit 99(a) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-224317), is incorporated by reference.</div>
    <div style="text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001918000002/audittransitionletter.htm">Transition
        Representation Letter</a> - Independent Registered Public Accounting Firm, pursuant to S-K, item 304, filed on April 17, 2018, as Exhibit 99(b) to Registrant's initial registration on Form S-1 (File No. 333-224317), is incorporated by reference.</div>
    <div style="line-height: 9.7pt; margin-top: 0.35pt;"><br style="line-height: 9.7pt;">
    </div>
    <div style="margin-left: 22.5pt; line-height: 11.4pt; margin-top: 6.75pt; font-family: 'Times New Roman';">&#160;&#160;* Filed herewith</div>
    <div style="margin-left: 22.3pt; line-height: 11.4pt; font-family: 'Times New Roman';">** 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;">(b)</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.29pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-weight: bold;">Financial
        Statement Schedules</font></div>
    <div style="line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman';">All required financial statement schedules of Allianz Life Insurance Company of New York are included in Part I of this registration statement.</div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageFooter"></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 15.4pt;"><br style="line-height: 15.4pt;">
    </div>
    <div style="line-height: 11.4pt; font-family: 'Times New Roman'; 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="line-height: 11.4pt; font-family: 'Times New Roman';">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="z9f2959f750a8400f81aeb15769984576" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.4pt; font-family: Calibri;">(1)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman';">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd662a61308304729975583192687a384" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.9pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.4pt; margin-top: 5.9pt; font-family: Calibri;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-indent: 18pt; line-height: 11.4pt; margin-top: 5.9pt; font-family: 'Times New Roman';">To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3e37a3d5ca9e4bdc91e84a10648d4e38" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.65pt; width: 100%; text-align: left; color: #000000;">

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

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd0334f5d30d1405093e45b8c89a8dcb8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.05pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 2.05pt; font-family: Calibri;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.05pt; font-family: 'Times New Roman';">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="z6b917d753af54df096eb7b4b92ad2369" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 2.3pt; font-family: Calibri;">(2)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 2.3pt; font-family: 'Times New Roman';">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="z517465ed959e4052a510fc852fc30111" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(3)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Times New Roman';">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="z073a6dca3e2148498c96b794c8cd2dd7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: Calibri;">(4)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6pt; font-family: 'Times New Roman';">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="zf299dfa179ba4be78b1eba74e164b838" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

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

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4d94529b1cc84a7abca1d98cd97039bb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 6pt; font-family: Calibri;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 6pt; font-family: 'Times New Roman';">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="z87994503b1db4a1cb20f55fd6179b66b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 2.3pt; font-family: Calibri;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.3pt; font-family: 'Times New Roman';">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="z3a56fe1f611140f4a164dd7cbf1c2bb3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.15pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.75pt; margin-top: 2.15pt; font-family: Calibri;">(iii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.75pt; margin-top: 2.15pt; font-family: 'Times New Roman';">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="zca265d00f4a242f3911079892fc6e34e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.3pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 18pt; line-height: 11.4pt; margin-top: 2.3pt; font-family: Calibri;">(iv)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.4pt; margin-top: 2.3pt; font-family: 'Times New Roman';">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="z8f6dd0c2122e487481afbe1fc1123633" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 6.5pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="line-height: 11.85pt; margin-top: 6.5pt; font-family: Calibri;">(6)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman';">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 id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 0pt;"><br style="line-height: 0pt;">
    </div>
    <div style="text-align: center; line-height: 11.4pt; margin-top: 2.5pt; font-family: 'Times New Roman'; font-weight: bold;">SIGNATURES</div>
    <div style="line-height: 9.7pt; margin-top: 0.55pt;"><br style="line-height: 9.7pt;">
    </div>
    <div style="margin-right: 19.8pt; margin-left: 18pt; line-height: 12pt; font-family: 'Times New Roman';">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 28th day of September, 2021.</div>
    <div style="margin-right: 19.8pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 6.25pt; font-family: 'Times New Roman';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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';">By: <u>/S/ Jasmine M. Jirele</u><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"><u>(1)</u></sup></div>
    <div style="margin-right: 20.15pt; margin-left: 216pt; line-height: 11.4pt; font-family: 'Times New Roman';">Jasmine M. Jirele</div>
    <div style="margin-right: 20.15pt; margin-left: 216pt; line-height: 11.4pt; font-family: 'Times New Roman';">Chief Executive Officer</div>
    <div style="line-height: 16.55pt; margin-top: 0.05pt;"><br style="line-height: 16.55pt;">
    </div>
    <div style="margin-right: 19.8pt; margin-left: 18pt; line-height: 11.9pt; font-family: 'Times New Roman';">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 September 28, 2021.</div>
    <div style="line-height: 11.9pt;"><br style="line-height: 11.9pt;">
    </div>
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        <tr>
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            <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: 49.86%; 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: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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';">Chair of the Board and Chief Executive Officer</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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: 50.14%; vertical-align: top;">
            <div style="margin-right: 20.15pt; line-height: 11.4pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Steven J. Thiel<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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: 50.14%; vertical-align: top;">&#160;</td>
          <td style="width: 49.86%; 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: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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: 50.14%; 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;">(1)</sup></div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 49.86%; 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>
    <table cellspacing="0" cellpadding="0" id="z0514a79f62004b439f4d85d296e1db41" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-top: 6pt;">

        <tr>
          <td style="width: 3.6pt;"><br>
          </td>
          <td style="width: 25.2pt; vertical-align: top; align: right; font-family: 'Times New Roman'; font-size: 8pt;">(1)</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: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zf2e2d89e0743481b9ba7fcd0b96ddc19" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 3pt;"><br>
          </td>
          <td style="width: 249pt; vertical-align: top; align: right;"><font style="font-family: 'Times New Roman';">BY</font><font style="font-family: 'Times New Roman';"><u>:&#160;&#160; /s/ Erik T. Nelson</u></font></td>
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    <div style="text-indent: -15pt; margin-right: 19.8pt; margin-left: 18pt; line-height: 17.8pt; font-family: 'Times New Roman';">&#160;&#160;&#160;&#160;&#160;Erik T. Nelson, Associate General Counsel, Senior Counsel</div>
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    <div style="text-align: center; line-height: 11.4pt; margin-top: 2.5pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-weight: bold;">FORM S-1</div>
    <div style="text-align: center; line-height: 22.7pt; font-family: 'Times New Roman'; 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-weight: bold;">INDEX TO EXHIBITS</div>
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            <div style="line-height: 11.4pt; font-family: 'Times New Roman'; font-weight: bold;">Description of Exhibit</div>
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            <div style="line-height: 12pt; margin-bottom: 4.8pt; font-family: 'Arial Narrow';">Powers of Attorney</div>
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As filed with the Securities and Exchange Commission on September 28, 2021                 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.)
One Chase Manhattan Plaza, 37th Floor, New York, New York 10005-1423
(212) 586-7733
(Address, including zip code, and
      telephone number, including area code, of Registrant's principal executive offices)
Erik Nelson, Esq.
Allianz Life Insurance Company of North America
5701 Golden Hills Drive Minneapolis, MN 55416
(763) 765-2913
(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)
Calculation of Registration Fee
Title of each class of securities to be registered
Amount to be registered
Proposed maximum offering price per unit
Proposed maximum total aggregate offering price
Total Amount of registration fee
Individual Flexible Purchase Payment Index-Linked and Variable Deferred Annuity
              Contract and Interests Therein
$1,000,000
(1)
NA
(2)
$1,000,000
(1)
$109.10
(1)
(1) To be updated upon pre-effective amendment.
(2) The proposed maximum offering price per unit is not applicable since these securities are not issued in predetermined amounts
      or units.
_____________________________________________________________________________________________________
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 [MMDD], 2021
An individual flexible purchase payment
            index-linked and variable deferred annuity contract
(the Contract)
Issued by Allianz Life
®
of NY Variable Account C
(the Separate Account)
and
Allianz Life Insurance Company of New York
(Allianz Life of New York, we, us, our)
Prospectus Dated: [MMDD],
              2021
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.
Standard Annuity Features
Available Investment Options
• Five fixed annuitization options
(Annuity Options)
• Free withdrawal privilege allows you to withdraw up to 10% of your total Purchase Payments during the six-year withdrawal charge period • Systematic withdrawal
                      program • Minimum distribution program for certain tax qualified Contracts • Waiver of withdrawal charge benefit • Guaranteed death benefit
(Traditional Death Benefit)
• A maximum of 14 index-linked investment options
(Index Options)
based

                      on different combinations of two credit calculation methods
(Crediting Methods),
four nationally recognized third-party broad based equity securities indexes
(Index or Indexes)
, and three time periods for measuring Index performance
(Term)
• Three variable investment options
(Variable Options)
The risk of loss can become greater in the case of an early withdrawal (a withdrawal taken within six years
                      after we receive a purchase payment) due to withdrawal charges. Withdrawals will be subject to federal and state taxation, and withdrawals taken before age 59
1
⁄
2
may also be subject to a 10% additional federal tax.
If this is a
Non-Qualified Contract,
a withdrawal will be taxable to the extent that gain exists within
                        the Contract. A
Non-Qualified
Contract is a Contract that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the
                        Internal Revenue Code
(the Code)
.
Crediting Methods Currently Available
Only the Index Performance Strategy offers 1-year, 3-year, and 6-year Terms.
Index Protection NY Strategy only offers 1-year Terms.
Indexes Currently
Available with
1-year Terms
Indexes Currently
Available with
3-year and 6-year Terms
(Index Performance Strategy only)
• Index Protection NY Strategy
• Index Performance Strategy
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• S&P 500
®
Index
• Russell 2000
®
Index
Crediting Method Highlights
All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits
                        from positive Index performance.
Performance Credits
are the return you receive on the Term
                        End Date when you allocate assets to an Index Option.
Negative Index Performance Protection
Positive Index Performance Participation Limit
Index Protection NY Strategy
•
Buffers
(the amount of negative
                      Index performance we absorb over the duration of a Term before you receive a negative Performance Credit)
–  Buffers cannot be less than 10%
•
Caps
(the
upper limit
on positive Index performance)
–  Caps cannot be less than 4.25%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
1
Crediting Method Highlights
All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits
                        from positive Index performance.
Performance Credits
are the return you receive on the Term
                        End Date when you allocate assets to an Index Option.
Negative Index Performance Protection
Positive Index Performance Participation Limit
Index Performance Strategy
•
Buffers
–  Buffers cannot be less than 10%
•
1-year Term: Caps
–  Caps cannot be less than 6.25%
•
3-year and 6-year Terms: Caps and Participation Rates
(a percentage of Index performance)
–  Caps for 3-year Terms cannot be less than 18.75% if the Buffer is 10%, or less than 15.75% if the Buffer is 20%
–  Caps for 6-year Terms cannot be less than 37.50%
–  Both 3-year and 6-year Terms can be "uncapped" (i.e., we do not declare a Cap for that Term)
–  Participation Rates cannot be less than 100%
The Contract's risks are described in Risk Factors on page 20 of
            this prospectus.
Variable Options Currently Available
AZL
®
MVP Growth Index Strategy Fund
AZL
®
MVP Balanced Index Strategy Fund
AZL
®
Government Money Market Fund
You can allocate the money you put into
              the Contract
(Purchase Payments)
to any or all of the available Index Options and Variable Options
(Allocation Options)
. You may also
              reallocate and transfer Contract Value among the Allocation Options subject to certain restrictions described in this prospectus. Your
Contract Value
is the current value of the Purchase
              Payments you invest that includes the returns of your selected Allocation Options. It reflects deductions we make for Contract fees and expenses. All withdrawals you take reduce your Contract Value dollar for dollar, including partial
              withdrawals that may be subject to a withdrawal charge.
If you allocate Purchase Payments or transfer Contract Value
              to the Index Options, you receive Performance Credits calculated by us based on the performance of one or more Indexes over a Term
as measured by the Index Return and the applicable Buffer, Cap,
              and/or Participation Rate. The
Participation Rate
may allow you to receive more than the Index Return if the Index Return is positive. We do
not
apply the Participation Rate if the Index Return is zero or negative. Only the Index Performance Strategy 3-year and 6-year Terms include a Participation Rate. The
Index Return
is the percentage change in Index value from the Term Start Date to the Term End Date. The
Term Start Date
is the date on which a
              Term begins and we set the Caps and Participation Rates for an Index Option; this can occur on either the Index Effective Date or an Index Anniversary. The
Term End
Date
is the date on which a Term ends and we apply Performance Credits; this can only occur on an Index Anniversary. The
Index Effective Date
is
              the first day we allocate assets to an Index Option. An
Index Anniversary
is a twelve-month anniversary of the Index Effective Date.
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.
Performance Credits may be positive, negative, or equal to
              zero, depending on the applicable Crediting Method and the performance of the applicable Index.
The Index Protection NY Strategy and Index Performance Strategy allow negative Performance Credits.
A negative Performance Credit means you can lose principal and previous earnings.
These losses could be significant.
Caps and Participation Rates that we use to determine
              Performance Credits for a Contract can change on each Term Start Date
and 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 4.25%, 6.25%, 15.75%, 18.75%, 37.50%, or 100% as stated above.
Buffers that
              we use to determine Performance Credits for a Contract do not change once they are established.
With prior written notice we may make certain Index Options temporarily unavailable 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. Index Options that we cannot make temporarily unavailable are listed in Risk Factors – Changes to Caps,
                Participation Rates, and Buffers and Temporary Unavailability of Index Options.
The Crediting Methods are described in greater detail in the Summary, and in section 5, Valuing Your Contract – Calculating Performance Credits.
              The Indexes are described in Appendix A. Temporary unavailability of Index Options is also discussed in section 3, Purchasing the Contract.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
2
The
Daily
                Adjustment
is how we calculate Index Option Values (the portion of your Contract Value in the Index Options) 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, or when we deduct any withdrawal charge, product fee, or contract maintenance charge, we calculate the Index Option Value by
              applying the Daily Adjustment. All withdrawals you take are subject to the Daily Adjustment, even withdrawals that are not subject to a withdrawal charge
(Penalty-Free Withdrawals)
.
              Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and RMD payments you take under our minimum distribution program.
In
                extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it cannot result in a total loss of -100%. Such losses will be greater if the amount withdrawn is a deduction of Contract fees and
                expenses.
If you allocate Purchase Payments or transfer Contract Value to
            the Variable Options, the value of your investment
(Variable Account Value)
increases and decreases each Business Day based on your selected Variable Options' performance. A
Business Day
is each day the New York Stock Exchange is open for trading and it ends when regular trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time. The Separate Account
            holds the assets you allocate to the Variable Options.
The Variable Options do not provide any protection against loss of principal. You can lose principal and previous earnings that you
              allocate to the Variable Options.
Index-linked and variable annuity contracts are complex insurance
            and investment vehicles.
Before you invest, be sure to ask your
Financial Professional
(the person who advises you regarding the Contract) about the Contract's
              features, benefits, risks, fees and expenses, whether the Contract is appropriate for you based upon your financial situation and objectives, and for a specific recommendation to purchase the Contract. The Contract may be available through
              third-party financial advisers who charge a financial adviser fee for their services. If you choose to pay financial adviser fees from this Contract, the deduction of this financial adviser fee is in addition to this Contract's fees and
              expenses, may be subject to a withdrawal charge, reduces your guaranteed values, and may be subject to federal and state income taxes and a 10% additional federal tax.
All guarantees under the Contract, including Performance Credits,
            are the obligations of Allianz Life of New York and are subject to our claims paying ability and financial strength.
Please read this prospectus before investing and keep it for
            future reference. The prospectus describes all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life of New York that you ought to know before investing including
            material state variations. 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.
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.
Allianz Life of NY Variable Account C is the Separate Account
            that holds the assets allocated to the Variable Options. Additional information about the Separate Account has been filed with the SEC and is available upon written or oral request without charge. A Statement of Additional Information
(SAI)
dated the same date as this Form N-4 prospectus includes additional information about the Contract. The SAI is also filed with the SEC on Form N-4 under File Number 333-192949 and is incorporated by
            reference into this prospectus. The SAI is available without charge by contacting us at the telephone number or address listed at the back of this prospectus. The SAI's table of contents appears after the Privacy and Security Statement in this
            prospectus. The prospectus and SAI are also available on our website at www.allianzlife.com/new-york. The prospectus, SAI and other Contract information are also available on the EDGAR database on the SEC's website (www.sec.gov).
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
3
TABLE OF CONTENTS
Glossary
6
Summary
10
Who Should Consider Purchasing the Contract?
12
How Do the Crediting Methods Work?
13
How Do the Crediting Methods Compare?
14
Bar Chart Examples of the Crediting Methods Performance
15
Can the Crediting Methods, Terms, or Indexes Change?
17
When Does Allianz Establish the Values Used to Determine Index Credits?
17
What Are the Different Values Within the Contract?
18
What Is the Daily Adjustment?
18
What is the Performance Lock?
19
Risk Factors
20
Liquidity Risks
20
Risks of Investing in Securities
20
Risk of Negative Returns
21
Risks Associated with Calculation of Performance Credits
22
Risks Associated with Performance Locks
23
Substitution of an Index
23
Changes to Caps, Participation Rates, and Buffers and Temporary Unavailability of Index Options
23
Investment in Derivative Hedging Instruments
25
Our Financial Strength and Claims-Paying Ability
25
Regulatory Protections
26
Fee Tables
26
Owner Transaction Expenses
26
Owner Periodic Expenses
26
Contract Annual Expenses
27
Annual Operating Expenses of the Variable Options
27
Examples
27
Condensed Financial Information
28
1.
The Contract
29
Financial Adviser Fees
30
When the Contract Ends
31
2.
Ownership, Annuitant, Determining Life, Beneficiary, and Payee
31
Owner
31
Joint Owner
31
Annuitant
31
Determining Life (Lives)
32
Beneficiary
32
Payee
32
Assignments, Changes of Ownership and Other Transfers of Contract Rights
33
3.
Purchasing the Contract
33
Purchase Requirements
33
Applications Sent Electronically
33
Allocation of Purchase Payments and Contract Value Transfers
34
Automatic Investment Plan (AIP)
35
Free Look/Right to Examine Period
35
4.
Variable Options
36
Substitution of Variable Options and Limitation on Further Investments
37
Transfers Between Variable Options
37
Electronic Transfer and Allocation Instructions
38
Excessive Trading and Market Timing
38
Voting Privileges
40
5.
Valuing Your Contract
40
Determining Variable Account Value
41
Determining Index Option Values
41
Calculating Performance Credits
43
Daily Adjustment
44
Performance Locks
44
Optional Reallocation Program for the 1-year Term Index Options
45
6.
Expenses
45
Product Fee
45
Contract Maintenance Charge
47
Withdrawal Charge
47
Transfer Fee
49
Premium Tax
50
Income Tax
50
Variable Option Expenses
50
7.
Access to Your Money
50
Free Withdrawal Privilege
52
Systematic Withdrawal Program
52
Minimum Distribution Program and Required Minimum Distribution (RMD) Payments
52
Waiver of Withdrawal Charge Benefit
52
Suspension of Payments or Transfers
52
8.
The Annuity Phase
53
Calculating Your Annuity Payments
53
Annuity Payment Options
53
When Annuity Payments Begin
54
9.
Death Benefit
54
Death of the Owner and/or Annuitant
56
Death Benefit Payment Options During the Accumulation Phase
56
Death Benefit Payment Options
56
Allianz Index
              Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
Table of Contents
4
TABLE OF CONTENTS
10.
Taxes
57
Qualified and Non-Qualified Contracts
57
Taxation of Annuity Contracts
57
Tax-Free Section 1035 Exchanges
58
11.
Other Information
59
The Registered Separate Account
59
Our General Account
59
Our Unregistered Separate Account
59
Distribution
59
Additional Credits for Certain Groups
61
Administration/Allianz Service Center
61
Legal Proceedings
61
Status Pursuant to Securities Exchange Act of 1934
61
12.
Information on Allianz Life of New York
62
Directors, Executive Officers and Corporate Governance
62
Executive Compensation
66
Security Ownership of Certain Beneficial Owners and Management
78
Transactions with Related Persons, Promoters and Certain Control Persons
78
Business and Operational Risks Relevant to the Contract
78
13.
Financial Statements
85
14.
Privacy Notice
86
15.
Table of Contents of the Form N-4 SAI
88
Appendix A – Available Indexes
89
S&P 500
®
Index
89
Russell 2000
®
Index
89
Nasdaq-100
®
Index
90
EURO STOXX 50
®
90
Appendix B – Daily Adjustment
92
Appendix C – Annual Contract Fees Calculation Examples
94
Appendix D – Unaudited Selected Financial Data and Statutory Financial Statements
95
Management's Discussion and Analysis of Financial Condition and Results of Operations (For the 9 Month Period Ending September 30, 2021)
95
Unaudited Statutory Financial Statements
95
Appendix E – Selected Financial Data and Statutory Financial Statements
96
Management's Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ended December 31, 2020)
96
Statutory Financial Statements
96
For Service or More Information
97
Our Service Center
97
Allianz
                Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
5
Table of Contents
Glossary
This prospectus is written in plain English. However, there are
            some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.
Accumulation Phase
– the first
              phase of your Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.
Allocation Options
– the Variable
              Options and Index Options available to you under the Contract.
Annuitant
– the individual upon
              whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are restrictions on who can become an Annuitant.
Annuity Date
– the date we begin
              making Annuity Payments to the Payee from the Contract.
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. On the Issue Date we establish a
                Buffer for each Index Option. However, if after the Issue Date we add a new Index Option, we establish the Buffer for it on the date we add the Index Option to your Contract. Buffers are stated in your Contract and do not change once they
                are established.
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.
Charge Base
– the
                Contract Value on the preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract Anniversary), increased by the dollar amount of subsequent Purchase
                Payments, and reduced proportionately for subsequent withdrawals you take (including any withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take reduce the Charge Base, even Penalty-Free
                Withdrawals. We use the Charge Base to determine the next product fee we deduct.
Contract
– the
                individual flexible purchase payment index-linked and variable deferred annuity contract described by this prospectus. The Contract may also be referred to as a registered index-linked annuity.
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. Contract Value is also reduced dollar for dollar for deductions we make for Contract fees and expenses. However, Contract Value
                does not reflect future fees and expenses we would apply on liquidation. The cash surrender value reflects all Contract fees and expenses we would apply on liquidation.
Contract Year
– any period of
              twelve months beginning on the Issue Date or a subsequent Contract Anniversary.
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Crediting Method
– a method we
              use to calculate annual Performance Credits if you allocate Purchase Payments or transfer Contract Value to an Index Option.
Daily Adjustment
– how we calculate Index Option Values on days other than the Term Start Date or Term End Date as discussed in the Summary – What is the Daily Adjustment?; section 5, 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. 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 investment options to which you can allocate Purchase Payments or transfer Contract Value. Each Index Option is the combination of an Index,
a
                Crediting Method, and a Term. For the Index Performance Strategy 3-year and 6-year Term Index Options, the Buffer.
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 (including any withdrawal charge), and deductions we make for Contract fees and expenses; we increase/decrease it by the dollar of additional Purchase Payments allocated to, and transfers into
                or out of the Index Option; and we increase/decrease it for 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
(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 by 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 Buffers for your selected Index Option(s). For any 3-year or
6-year Term 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.
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Index Performance Strategy
– one of the Crediting Methods described in the Summary; and in section 5, Valuing Your Contract – Calculating Credits. 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 Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and
                previous earnings. The Index Performance Strategy provides the highest potential returns. Its Caps will generally be greater than the Index Protection NY Strategy Caps. The Index Performance Strategy is more sensitive to large negative
                market movements because small negative market movements are absorbed by the Buffer.
Index Protection NY Strategy
–
              one of the Crediting Methods described in the Summary; and in section 5, Valuing Your Contract – Calculating Credits. The Index Protection NY Strategy calculates Performance Credits based on Index Returns subject to a Cap and 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 for any Index Option. 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 when you allocate assets to an Index Option. We base Performance Credits on Index Values and Index Returns after application of any Participation Rate as limited by the Buffer or Cap. Performance
                Credits can be negative,
which means 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 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.
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Proxy Value
– the hypothetical
              value of the Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.
Purchase Payment
– the money you
              put into the Contract.
Qualified Contract
– a Contract
              purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code (for example, 401(a) and 401(k) plans), Individual Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred to as TSA
              contracts). Currently, we issue Qualified Contracts that may include, but are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs. 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 the Summary and section 9.
Valid Claim
– the documents we
              require to be received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any required governmental forms. Due proof of death includes a certified copy of
              the death certificate, a decree of court of competent jurisdiction as to the finding of death, or any other proof satisfactory to us.
Variable Account Value
– on any Business Day it is equal to the portion of your Contract Value in your selected Variable Options. The Variable Account Value increases and decreases based on your selected Variable Options' performance
                and reflects deduction of the Variable Option operating expenses, and previous deductions we made
for Contract fees
and expenses.
Variable Options
– the variable
              investments available to you under the Contract. Variable Option performance is based on the securities in which they invest.
Withdrawal Charge Basis
– the
              total amount under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses – Withdrawal Charge.
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Summary
The Allianz Index Advantage
®
New York is a product that offers index-linked and variable investment options and allows you to defer taking regular fixed periodic payments
(Annuity Payments)
to a future date. During the first phase of your Contract
(Accumulation Phase)
your Contract Value fluctuates based on the performance of your
            selected Allocation Options and the deduction of Contract fees and expenses. During this phase you can make additional Purchase Payments and take withdrawals, and if you die we pay a death benefit to the person(s) you designate
(Beneficiary(s))
. If you request Annuity Payments, the Accumulation Phase of your Contract ends and the
Annuity Phase
begins. Annuity Payments are fixed payments we make
            based on the Annuity Option you select and your Contract Value.
Purchasing a Contract: Key Features at a Glance
Issue Age
(see section 3)
On the date we issue the Contract
(the Issue Date)
, all Owners and the Annuitant must be age 80 or
                      younger.
The
Owner
is the person or entity designated at issue who may exercise all Contract rights. The
Annuitant
is the individual
                      upon whose life we base Annuity Payments.
Purchase Payment Standards
(see section 3)
• $10,000 minimum initial Purchase Payment due on the Issue Date.
• You can make additional Purchase Payments of at least $50 during the Accumulation Phase.
• $1 million maximum in total Purchase Payments.
Allocation of Purchase Payments and Contract Value Transfers
(see section 3 and Risk Factors – Changes to Caps, Participation Rates, and Buffers and Temporary Unavailability of Index Options)
You can allocate your Purchase Payments to any or all of the Allocation 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 your selected Index Options according to your instructions. For additional Purchase
                      Payments we receive after the Index Effective Date, we transfer the amounts held in the AZL Government Money Market Fund to your selected Index Options on the next Index Anniversary.
• On each Index Option's Term End Date, you can transfer Variable Account Value to the available Index Options, and you can transfer Index Option Value to the Variable Options or among the available Index Options.
• With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we cannot support the minimum Cap. 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 instructions before the end
                      of the Business Day on the Term Start Date the Index Option becomes unavailable, we will transfer the assets held in or destined for a temporarily unavailable Index Option to the AZL Government Money Market Fund and these assets will
                      remain there until we receive alternate instructions.
These assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an
                        Index Option becomes temporarily unavailable.
•
We do not allow assets to move into an established 3-year or
6-year Term Index Option until the Term End Date.
• Purchase Payments you allocate to an Index Option must be held in the Index Option for the full Term before they can receive a Performance Credit.
Therefore,
                        additional Purchase Payments we receive after the Index Effective Date that you allocate to a 1-year Term Index Option are not eligible to receive a Performance Credit until the second Index Anniversary after we receive them, or the
                        fourth Index Anniversary
after we receive them for allocations to a 3-year Term Index Option, or the seventh Index Anniversary after we receive them for allocations to
                        a 6-year Term Index Option.
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Purchasing a Contract: Key Features at a Glance
Daily Adjustment
(see "What is the Daily Adjustment?" in this Summary and section 5)
• We apply a Daily Adjustment if before the Term End Date you take a full or partial withdrawal, or when we deduct Contract
                      fees and expenses. All withdrawals you take are subject to the Daily Adjustment, even Penalty-Free Withdrawals.
• The Daily Adjustment takes into account any Index gains subject to the applicable Cap and/or Participation Rate, or any Index losses greater than the Buffer, but in the form of the estimated present value. Therefore, the Daily
                      Adjustment could result in a loss beyond the protection of the Buffer.
•
In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it
cannot
result in a total loss of -100%.
Such losses will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a
                        deduction of Contract fees and expenses.
Performance Lock
(see "What is the Performance Lock?" in this Summary and section 5)
A feature that allows you to capture the current Index Option Value during the Term. If we execute a Performance Lock for an Index Option we do not apply the
                      Daily Adjustment to it for the remainder of the Term and the Index Option Value will not receive a Performance Credit on the Term End Date.
Product Fee
(see the Fee Tables and section 6)
• Product fee is 1.25%.
Accrued daily and deducted on each
Quarterly Contract Anniversary
(the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Contract
                      Anniversary). The product fee is calculated as a percentage of the
Charge Base.
The Charge Base is the Contract Value on the preceding Quarterly Contract Anniversary increased by
                      the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take (including any withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take
                      reduce the Charge Base, even Penalty-Free Withdrawals.
Other Contract Fees and Expenses
(see the Fee Tables and section 6)
• A 7% declining withdrawal charge applies to withdrawals taken within six years after receipt of each Purchase Payment
                      during the Accumulation Phase.
• $50 contract maintenance charge assessed annually if the total Contract Value is less than $100,000.
• $25 fee per transfer if you make more than twelve transfers between Variable Options in a Contract Year.
• Variable Option operating expenses before fee waivers and expense reimbursements of 0.65% to 0.71% of the average daily net assets.
A
Contract Year
is any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary. A
Contract Anniversary
is a twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.
You can withdraw your Contract Value, subject to any applicable withdrawal charge, and federal and state taxation. Withdrawals taken before age 59
1
⁄
2
may also be subject to a 10% additional federal tax.
Free Withdrawal Privilege
(see section 7)
Allows you to withdraw 10% of your total Purchase Payments each Contract Year during the Accumulation Phase without incurring a withdrawal charge.
• Any unused free withdrawal privilege in one Contract Year is not added to the amount available in the next Contract Year.
• If you withdraw more than the free withdrawal privilege we will assess a withdrawal charge if the withdrawal is taken from a Purchase Payment we received within the last six years.
•
Not available if you take a full withdrawal of your total Contract Value.
If you take a full withdrawal you will be subject to a withdrawal charge on any
                      Purchase Payments that are still within the six-year withdrawal charge period. This may include amounts you previously withdrew under the free withdrawal privilege.
Systematic Withdrawal Program
(see section 7)
Provides automatic withdrawals of at least $100 to you at a frequency you select. These withdrawals:
• reduce the amount available under the free withdrawal privilege, and
• are subject to a withdrawal charge if you exceed the free withdrawal privilege.
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Purchasing a Contract: Key Features at a Glance
Minimum Distribution Program and Required Minimum Distribution (RMD) Payments
(see section 7)
If you own an Individual Retirement Annuity
(IRA)
, SEP IRA or Inherited IRA Contract, this program
                      provides payments to you designed to meet the Code's minimum distribution requirements. These withdrawals:
• reduce the amount available under the free withdrawal privilege, but
• are
not
subject to a withdrawal charge if you exceed the free withdrawal privilege.
Waiver of Withdrawal Charge Benefit
(see section 7)
This benefit allows you to take a withdrawal without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90
                      consecutive days.
Annuity Payments
(see section 8)
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.
• We offer five Annuity Options that provide payments for life, life and term certain, or life with refund.
• We base Annuity Payments on your Contract Value, the Annuity Option you select, and the lifetime and age of the Annuitant(s).
• For an individually owned Contract, Annuity Payments can be either single or joint.
Death Benefit
(see section 9)
The Contract automatically includes the Traditional Death Benefit for no additional fee. The death benefit is paid upon the first death of any Determining
                      Life during the Accumulation Phase.
• We establish the Determining Lives at Contract issue and they generally do not change unless there is a divorce or you establish a Trust.
• The
Determining Life (or Lives)
is either the Owner(s) or the Annuitant if the Owner is a non-individual. If a Determining Life dies during the Accumulation Phase your
                      Beneficiary(s) will receive the greater of the Contract Value, or the Guaranteed Death Benefit Value (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.
However, we do not reduce the Guaranteed Death Benefit Value for
                      deductions we make for Contract fees and expenses.
Deductions for Contract fees and expenses will,
however,
                        decrease the Contract Value by the dollar amount withdrawn, and because the
death benefit is based on the greater of Contract Value or the Guaranteed Death Benefit
                        Value, this may
reduce the death benefit available to your Beneficiaries.
• Withdrawals you take reduce your Guaranteed Death Benefit Value proportionately, which means this value may be reduced by more than the amount withdrawn.
• If you change Owner(s) the death benefit may be reduced to Contract Value.
Customer Service
(see the last page of this prospectus)
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. Our
Service Center
is the area of our company that issues Contracts and provides
                      Contract maintenance and routine customer service. You can also contact us by:
• mail at Allianz Life Insurance Company of New York, P.O. Box 561,
Minneapolis, MN 55440-0561, or
• email at Contact.Us@allianzlife.com.
Who Should Consider Purchasing the Contract?
We designed the Contract for people who are looking for a level
            of protection for their principal while providing potentially higher returns than are available on traditional fixed annuities. This Contract is not intended for someone who is seeking complete protection from downside risk, nor someone who is
            seeking unlimited investment potential.
We offer other annuity contracts that may address your investment
            and retirement needs. These contracts include variable annuities, registered index-linked annuities and fixed index annuities. These annuity products may offer different features and benefits more appropriate for your needs, including
            allocation options, fees and/or expenses that are different from those in the Contract offered by this prospectus. Not every contract is offered through every Financial Professional. Some Financial Professionals or selling firms may not offer
            and/or limit offering of certain features and benefits, as well as limit the availability of the contracts based on criteria established by the Financial Professional or selling firm. For more information about other annuity contracts, please
            contact your Financial Professional.
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For example, these other annuity contracts
              may have different Index Options, and different rates and minimums for the Buffers, Caps, and Participation Rates. Caps and Participation Rates may also be affected, positively or negatively, by expenses we incur in providing other contract
              features. For example, a product that deducts fees and expenses from Index Options may have higher Caps and Participation Rates than a contract that deducts fees and expenses only from Variable Options.
How Do the Crediting Methods Work?
The
Index Protection NY Strategy
provides a Performance Credit based on Index Values and Index Return.
•
If the
                    Index Return is positive, the Performance Credit is equal to the Index Return up to the Cap.
•
If
                      the 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 Buffer, the Performance Credit is zero. We absorb any loss up to the Buffer.
–
greater than the Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the Buffer. You participate in any losses beyond the Buffer.
The
Index Performance Strategy
also provides a Performance Credit based on Index Values and Index Returns.
•
If
                      the Index Return is positive, the Performance Credit is equal to:
–
the
                      Index Return up to the Cap 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 Buffer, the Performance Credit is zero. We absorb any loss up to the 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 Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the Buffer. You participate in any losses beyond the Buffer.
A more detailed description of how we calculate Credits,
            including numerical examples, is included in section 5, Valuing Your Contract – Calculating Credits.
•
The Index Protection NY Strategy and Index Performance Strategy allow negative Performance Credits.
A negative Performance Credit means you
                        can lose principal and previous earnings. These losses could be significant.
•
Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through
                        some, or most, of the 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.
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How Do the Crediting Methods Compare?
The Crediting Methods have different risk and return potentials.
Index Protection NY Strategy
Index Performance Strategy
What is the asset protection?
• Most protection – generally has higher Buffers than the Index Performance Strategy.
• Buffer absorbs a percentage of loss, but you receive a negative Performance Credit for losses greater than the Buffer.
• Potential for large losses in any Term.
• Impacted by very large negative market movements because small and moderate negative market movements are absorbed by the Buffer.
• Less protection – generally has lower Buffers than the Index Protection NY Strategy.
• Buffers may be different between 1-year, 3-year, and 6-year Terms. Buffers can also be different between Index Options with the same Term length.
• Buffer absorbs a percentage of loss, but you receive a negative Performance Credit for losses greater than the Buffer.
• Potential for large losses in any Term.
• More sensitive to large negative market movements because small negative market movements are absorbed by the Buffer. In a period of extreme negative market performance, the risk of loss is greater with the Index Performance
                      Strategy.
• 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
.
• May perform best in a strong market.
What can change within a Crediting Method?
• Renewal Caps for existing Contracts can change on each Term Start Date.
• With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap.
• 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. Your actual Buffers cannot change once they are established.
• Caps are subject to a 4.25% minimum, and Buffers are subject to a 10% minimum.
• Renewal Caps and/or Participation Rates for existing Contracts can change on each Term Start Date.
• With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap.
• 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. Your actual Buffers cannot change once they are established.
• Caps are subject to a 6.25% minimum for 1-year Terms; 18.75% minimum if the Buffer is 10%, or 15.75% if the Buffer is 10% for 3-year Terms; or 37.50% minimum for 6-year Term. Participation Rates are subject to a 100% minimum.
                      Buffers are subject to a 10% minimum.
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•
You participate in any negative Index Return in excess of the Buffer
, which reduces your Contract Value. For example, if we set the Buffer at 10%
                      we would absorb the first -10% of Index Return and you could lose up to 90% of the Index Option Value.
• The minimum Buffer is the least amount of protection that you could receive from negative Index Returns for any Index Option.
• 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 4.25%, 6.25%, 15.75%, 18.75%, 37.50%, or 100% as stated above
.
•
Buffers,
Caps, and Participation Rates can be different from Index Option to Index Option
. For
                      example, Caps for the Index Performance Strategy 1-year Terms can be different between the S&P 500
®
Index and the
                      Nasdaq-100
®
Index, and Caps for the S&P 500
®
Index can be different between 1-year and 3-year Terms on the Index Performance Strategy, and between the 1-year Terms for Index
                      Protection NY Strategy and Index Performance Strategy.
They may also be different from Contract-to-Contract depending on Index Effective Date
.
Bar Chart Examples of the Crediting Methods Performance
The following hypothetical examples show
              conceptually how the Crediting Methods might work in different market environments and assume no change in the hypothetical Caps and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any
              Buffers, 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.
              These examples do not reflect any withdrawals taken before the Term End Date, or deductions we make for Contract fees and expenses.
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Can the Crediting Methods, Terms, or Indexes
              Change?
We can add new Crediting Methods, Terms, and Indexes to your
              Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the next Index Anniversary after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or
              change how it calculates Performance Credits. If we add a new Index Option to your Contract, we cannot change its Buffer after it is established. However, we can change the renewal Caps and/or Participation Rates associated with any Index
              Option on each Term Start Date. With prior written notice we may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after the sixth Index Anniversary if we are unable to support the minimum Cap. For more
              information, including the list of Index Options we
cannot
make temporarily unavailable, see Risk Factors – Changes to Caps, Participation Rates, and Buffers and Temporary Unavailability
              of Index Options and section 3, Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.
Once we add an Index to your Contract, we cannot remove it
              without simultaneously replacing or substituting it. Index replacements and substitutions can occur either on a Term Start Date, Term End Date, or during a Term. If we substitute an Index during a Term, we will combine the return of the
              previously available substituted Index with the return of the new Index. However, if we substitute an Index, we do
not
change the Buffers applicable to your
              Contract, or the current Caps and/or Participation Rates that we set on the Term Start Date. Any changes to the Caps and/or Participation Rates for the new substituted Index will occur at the next regularly scheduled Term Start Date. For more
              information, see Risk Factors – Substitution of an Index.
When Does Allianz Establish the Values Used to Determine Index
            Credits?
We establish the Buffers for your Contract on the Issue Date.
            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. Your actual Buffers are stated in your Contract and cannot change once they are
            established.
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, 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 www.allianzlife.com/indexratesny and cannot be superseded until that period ends. Therefore, if you select an Index
                Effective Date that is after the end of the free look period, you will bear the risk that initial Caps and Participation Rates may change and be less advantageous to you and that you will be subject to the withdrawal charge, contract
                maintenance charge, and product fee if you then elect to cancel the Contract on or before the Index Effective Date, but after the free look period. You may review future rates at least seven calendar days before their effectiveness at
                www.allianzlife.com/indexratesny. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
We can change the renewal Caps and Participation Rates for an
              existing Contract on each new Term Start Date, in our discretion. Your initial and renewal Caps and Participation Rates are stated in your
Index Options Statement
, which is the account
              statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Term Start Date and Term End Date. We use these Index Values to determine Index Returns and
              Performance Credits.
For information on the Buffers, and initial Caps and
              Participation Rates we currently offer for newly issued Contracts, see our website at www.allianzlife.com/indexratesny, or call (800) 624-0197.
We publish any changes to these values at least seven
                calendar days before the Index Effective Date that they take effect. If you select the earliest Index Effective Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you
                choose to defer your Index Effective Date your initial rates may change from the values that were available on your Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations
                and the product still meet your needs.
We will send you a letter at least 30 days before each Index
              Anniversary. This letter advises you that current Caps and Participation Rates are expiring, and that
renewal rates for the next Term Start Date will be available for your review in your account on our
                website at least seven calendar days before they take effect on the upcoming Index Anniversary
. Renewal rates are also available on our website at www.allianzlife.com/indexratesny, or call
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(800) 624-0197. 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.
•  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 can:
–  cancel your Contract if you are still within the free look period,
–  request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary,
–  on or before the Index Effective Date, cancel the Contract and request a full withdrawal of the money held in the AZL Government Money Market Fund and receive the Contract Value
                      less withdrawal charge, and final product fee and contract maintenance charge; on or before the Index Effective Date you are
not
subject to the Daily
                      Adjustment,
but you are subject to a withdrawal charge
, or
–  after the Index Effective Date, cancel the Contract and request a full withdrawal of the Contract Value less withdrawal charge, and final product fee and contract maintenance
                      charge;
after the Index Effective Date, you will be subject to a withdrawal charge and the
Daily Adjustment.
•  Caps and Participation Rates
                      may be different between newly issued and existing Contracts, and between existing Contracts issued on the same month and day in different years. For example, assume that in January 2017 we set Caps for the Index Performance Strategy
                      1-year Term with the S&P 500
®
Index as follows:
–  13% initial rate for new Contracts issued in 2023,
–  14% renewal rate for existing Contracts issued in 2022, and
–  12% renewal rate for existing Contracts issued in 2021.
What Are the Different Values Within the Contract?
The Contract provides the following values as discussed in
            section 5, Valuing Your Contract.
•
The
                      Contract Value is the sum of your Variable Account Value and Index Option Values. Contract Value reflects any previously deducted Contract fees and expenses, but does not reflect Contract fees and expenses that we would apply on
                      liquidation. The cash surrender value reflects all Contract fees and expenses we would apply on liquidation.
•
Your
                    Variable Account Value is the sum of the values in your selected Variable Options. It reflects deduction of Variable Option operating expenses, any previously assessed transfer fee, contract maintenance charge, product fee, and
                    any withdrawal charge. It changes each Business Day based on the performance of the Variable Options.
•
Your
                      total Index Option Value is the sum of the values in each of your selected Index Options. Each Index Option Value includes any Performance Credits from previous Term End Dates, reduced for previous partial withdrawals you took
                      (including any withdrawal charges), and previous deductions we made for Contract fees and expenses. Amounts removed from the Index Options during the Term for withdrawals you take and deductions we make for fees and expenses
do not
receive a Performance Credit on the Term End Date, but the amount remaining does receive a Performance Credit subject to the applicable Buffer, Cap, and/or
                      Participation Rate.
–
On
                      each Business Day during the Term other than the Term Start Date or Term End Date, we calculate the current Index Option Value by adding a Daily Adjustment to the Index Option Base. The
Index
                        Option Base
is the amount you allocate to an Index Option. We reduce the Index Option Base proportionately for withdrawals you take (including any withdrawal charges), and deductions we make for Contract fees and
                      expenses; we increase/decrease it by the dollar amount of additional Purchase Payments allocated to, and transfers into or out of the Index Option; and we increase/decrease it for any Performance Credit.
What Is the 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, annuitization, payment of the death benefit, and the Contract Value used to determine the Charge Base and contract maintenance charge. The Daily Adjustment can be positive or negative. When the Daily Adjustment is positive, your
              Index Option Value has increased since the Term Start Date. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract expenses or any partial withdrawal).
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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. However, the Daily Adjustment calculation is not affected by any Contract fee or
              expense deduction, or partial withdrawal. The Daily Adjustment does not change the Contract fee or expense deducted, or the withdrawal amount; it only changes the Index Option Value from which we deduct the Contract fee or expense, or
              withdrawal.
The Daily Adjustment approximates the Index Option Value that
              will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment takes into account:
(i)
any
                      Index gains during the Term subject to the applicable Cap and/or Participation Rate,
(ii)
any
                    Index losses greater than the 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 Buffer, but it cannot result in a total loss of -100%.
Such losses will be greater if the amount withdrawn 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, even though a negative Index return may be within the
              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 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 or previous earnings.
The Daily Adjustment's risks are discussed in more detail in Risk
            Factors – Risk of Negative Returns. The specific details of the Daily Adjustment formula are described in Appendix B and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This
            information is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99(a) by calling (800) 624-0197, or visiting our website at www.allianzlife.com/new-york.
What is the Performance Lock?
You can capture the current Index Option
              Value (which includes the Daily Adjustment) on any Business Day during the Term through our Performance Lock feature. You (or your Financial Professional, if authorized) can request Performance Locks based on the Daily Adjustment. On our
              website the Daily Adjustment is included in the Index Option Value return figures. Additionally, you can transfer assets out of a 3-year or 6-year Term Index Option before the Term End Date by executing a Performance Lock on or before the
              second Index Anniversary of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. The Business Day that we execute a Performance Lock is the
Lock Date
for that Index
              Option.
We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you
                    exercise a Performance Lock at a sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock.
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Risk Factors
The Contract involves certain risks that you should understand
            before purchasing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the
            Allocation Options you choose.
Liquidity Risks
We designed the Contract to be a long-term investment that you
            can use to help build and provide income for retirement. The Contract is not suitable for short-term investment.
If you need to take a full or partial
              withdrawal during the withdrawal charge period, 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 may exceed the Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. (For more information on the withdrawal charge, see
              the Fee Tables and section 6, Expenses – Withdrawal Charge.)
We calculate the withdrawal charge as a percentage of your
              Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be greater than the
              withdrawal charge percentage. For example, assume you buy the Contract with a single Purchase Payment of $1,000. If your Contract Value in the 5th year is $800 and you take a full withdrawal a 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.
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 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. Any assets removed from an Index Option during the Term for withdrawals you take
              (including Penalty-Free Withdrawals), 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 and Index Return that would have been available on the Term End Date, or the full benefit of the 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 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
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component securities to go up or down, sometimes rapidly and unpredictably. In
            addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.
S&P 500
®
Index
. The S&P 500
®
Index is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges, and also may not be able to attain the high
              growth rate of successful smaller companies.
Russell 2000
®
Index
. The Russell 2000
®
Index is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies.
Nasdaq-100
®
Index
. The Nasdaq-100
®
Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry. To the extent that the Nasdaq-100
®
Index is comprised of securities issued by companies in a particular sector, that company's securities may not perform as well as companies in
              other sectors or the market as a whole. Also, any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility;
              changing currency exchange rates; and greater political, regulatory, and economic uncertainty).
EURO STOXX 50
®
. EURO STOXX 50
®
is
              comprised of the equity securities of large-capitalization companies in the Eurozone. The securities comprising EURO STOXX 50
®
are subject to the
              risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty), and are significantly affected by the European markets and
              actions of the European Union.
The COVID-19 pandemic has at times led to significant volatility and negative returns in the financial markets. These market conditions have impacted the
                      performance of the Indexes to which the Index Options are linked, as well as securities held by the Variable Options. If these market conditions continue or reoccur, and depending on your individual circumstances (
e.g.
, your selected Allocation Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. The
                      COVID-19 pandemic and other market factors have resulted in an abnormally low interest rate environment, in which certain rates have gone negative. This low level of rates can affect the returns of an Index, the level of Caps and
                      Participation Rates, and other product features, and the performance of your Contract. The duration of the COVID-19 pandemic, and the future impact that the pandemic may have on the financial markets and global economy, cannot be
                      foreseen. You should consult with a Financial Professional about how the COVID-19 pandemic and the recent market conditions may impact your future investment decisions related to the Contract, such as purchasing the Contract or making
                      Purchase Payments, transfers, or withdrawals, based on your individual circumstances.
Risk of Negative Returns
The Variable Options do not provide any protection against
            negative returns.
You can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Variable Options and such losses could be significant.
If you allocate Purchase Payments or
              transfer Contract Value to an Index Option, negative Index Returns may cause Performance Credits to be negative after application of the 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
                that is subject to a withdrawal charge, or when we make deductions for Contract fees and expenses.
If you select an Index Option, we calculate Index Option
              Values on each Business Day during a Term (other than the Term Start Date or Term End Date) by adding the Daily Adjustment. The Daily Adjustment affects the total Contract Value available for withdrawal, annuitization, and death benefits, and
              it affects how we determine the contract maintenance charge and Charge Base for the product fee. The Daily Adjustment can be less than the Cap even if the 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,
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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 and Index Performance Strategy with 1-year Terms. For the Index Performance Strategy with
                      3-year and 6-year Terms, 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. 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. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than
              Index Options either without a Participation Rate, or with a Participation Rate equal to 100%.
If you take a withdrawal from an Index Option 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 Buffer. In extreme circumstances the Daily Adjustment could result in a loss beyond the protection of the Buffer, but it cannot result in a total loss of -100%.
Such losses will be greater if the amount withdrawn is also subject to a withdrawal charge, or is a deduction of Contract fees and expenses.
Risks Associated with Calculation of Performance Credits
We calculate Performance Credits each Term
              on the Term End Date. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most,
              of the Term. If you allocate Purchase Payments or transfer Contract Value to the Index Options 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, 2011 through December 31, 2020
S&P 500
®
Index
Nasdaq-100
®
Index
Russell 2000
®
Index
EURO STOXX 50
®
Returns without dividends
12.15%
20.28%
10.65%
3.22%
Returns with dividends
14.45%
21.66%
12.17%
7.09%
Caps 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 Performance Credit you receive. For more information, see the "Changes to Caps,
              Participation Rates, and Buffers 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.
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Risks Associated with Performance Locks
If a Performance Lock is executed:
•
You
                      will no longer participate in Index performance, positive or negative, for the remainder of the Index Year for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder
                      of the Index Year. An
Index Year
is a twelve-month period beginning on the Index Effective Date or a subsequent Index Anniversary.
•
You
                      will not receive a Performance Credit on any locked Index Option on the Term End Date.
•
We use the Daily Adjustment calculated at the end of the
current
Business Day on the Lock Date to determine your locked
                      Index Option Value. This means you will not be able to determine in advance your locked Index Option Value, and it may be higher or lower than it was at the point in time you requested a manual Performance Lock, or that your Index
                      Option reached its target for an automatic Performance Lock. Through your account on our website you can request a Performance Lock based on upper and/or lower targets you set using Index Option Value returns.
•
If a
                    Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index
                    Option was not locked.
•
We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you exercise a Performance Lock at a
                    sub-optimal time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock.
Substitution of an Index
There is no guarantee that the Indexes will be available during
            the entire time that you own your Contract. If we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits. We may substitute a new
            Index for an existing Index if:
•
the
                    Index is discontinued,
•
we are
                    unable to use the Index because, for example, changes to an Index make it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index, or
•
the method of calculation of the Index Values changes substantially, resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the
                    types of securities tracked, or the weighting of different categories of securities.
If we add or substitute an Index, we first
              seek any required regulatory approval (from each applicable state insurance regulator) and then provide you with written notice. We also provide you with written notice if an Index changes its name. Substitutions of an Index may occur during
              a Term. If we substitute an Index during a Term we will combine the return of the replaced existing Index from the Term Start Date to the substitution date with the return of the new Index from the substitution date to the Term End Date. If
              we substitute an Index during a Term:
•
we
                      do
not
change the Charge Base we use to calculate the product fee, and
•
the
                      Buffers, Caps, and Participation Rates for the replaced Index will apply to the new Index. We do
not
change the Buffers applicable to your Contract, or
                      the current Caps and Participation Rates that we set on the Term Start Date.
Changes to Caps and Participation Rates
              associated with the new Index, if any, may occur at the next regularly scheduled Term Start Date. Depending on the constitution of the replaced Index, the volatility of its investments, and our ability to hedge the Index's performance, we may
              determine, in our discretion, to increase or decrease renewal Caps and Participation Rates associated with the new Index. However, we would not implement any change to reflect this difference until the next Term Start Date after the
              substitution. The substitution of an Index during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index.
The selection of a substitution Index is in our discretion;
            however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will replace any equity Index with a broad-based equity index.
Changes to Caps, Participation Rates, and
              Buffers and Temporary Unavailability of Index Options
We establish Buffers, and initial and renewal Caps and
              Participation Rates as indicated under "When Does Allianz Establish the Values Used to Determine Index Credits?" in the Summary section. This section also includes information on the notice we provide you of renewal changes on each Index
              Anniversary.
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You should be aware that, generally, 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 www.allianzlife.com/indexratesny and cannot be superseded until that period ends.
              If you select the earliest Index Effective Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you choose to defer your Index Effective Date your initial rates may change
              from the values that were available on the Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. In addition, if you select an Index
              Effective Date that is after the end of the free look period, you will bear the risk that initial Caps and Participation Rates may change and be less advantageous to you and that you will be subject to the withdrawal charge, and final product
              fee and contract maintenance charge if you then elect to cancel the Contract on or before the Index Effective Date, but after the free look period. You may review future rates at least seven calendar days before their effectiveness at
              www.allianzlife.com/indexratesny, or call (800) 624-0197. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
On each 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
              www.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. We may make certain Index Options temporarily unavailable on Term Start Dates occurring on or after
              the sixth Index Anniversary.
You risk the possibility that the renewal Caps and
              Participation Rates you receive may be less than you would find acceptable, or that we temporarily make an Index Option unavailable. 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. 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.
These assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable.
When your
              renewal rates change you can either transfer Index Option Value to the Variable Options, or to other available Index Options, or take a full withdrawal (which may be 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,
•
your
                      Index Effective Date,
•
the
                      level of interest rates,
•
utilization
                      of Contract benefits by Owners, and
•
our profitability goals.
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. 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
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reduce both 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. You also bear the risk that the Buffers for
              your Contract are small, which increases the risk that you could receive negative Performance Credits and incur losses.
With prior written notice we may make certain Index Options
              temporarily unavailable 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 Index Performance Strategy 1-year Term, 3-year Term with 10%
                Buffer, and 6-year Term Index Options temporarily unavailable.
We establish the Index Options that we cannot make temporarily unavailable for your Contract on the Issue Date and we cannot change them.
Temporary unavailability of an Index Option may:
•
last
                      for more than one Index Year,
•
reoccur
                      periodically during the time you own your Contract, and
•
result in all Index Options within a Crediting Method being unavailable.
You bear the risk that certain Index
              Options may be periodically unavailable, which reduces your opportunity to receive positive Performance Credits, and may also increase your risk of loss which is modified by the protection provided by the Buffers.
Investment in Derivative Hedging Instruments
The Index Options are supported by bonds and other fixed income
            securities which are also used to support the Contract guarantees, cash, and derivative hedging instruments used to hedge the movements of the applicable Index.
At Contract issue, we invest a substantial majority of the
            initial Contract Value allocated to the Index Options in fixed income securities, with most of the remainder invested in derivative hedging instruments. The derivative hedging instruments are purchased to track and hedge Index movements and
            support our obligations with regard to the Index Options. The derivative hedging instruments we purchase include put options, call options, futures, swaps, and other derivatives.
The Index Options move assets in the unregistered separate
            account between a book value subaccount and a market value subaccount during the Index Year based on Index performance. We typically transfer assets between the subaccounts if there is a 10% incremental change in year-to-date Index performance.
            For the Index Performance Strategy this starts at a -10% decrease in the market; for the Index Protection NY Strategy, this starts at a -30% decrease in the market. We monitor year-to-date Index performance daily and change allocations daily if
            needed based on this 10% increment. For more information on our unregistered separate account backing the Index Options, see section 11, 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. Our 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.
Our Financial Strength and Claims-Paying Ability
We make Annuity Payments, pay death benefits, and apply
            Performance Credits from our general account. Our general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability.
The assets in our unregistered separate
              account, Separate Account IANY are also subject to claims by our creditors. You can obtain information on our financial condition by reviewing our financial statements in this prospectus, and are also subject to our financial strength and
              claims paying ability. For more information see section 11, Other Information – Our Unregistered Separate Account.
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As a result of the COVID-19 pandemic, economic uncertainties have arisen which could negatively impact Allianz Life of New York's net income and surplus. The
                    extent to which the COVID-19 pandemic impacts our business (including our ability to timely process applications or claims), net income, and surplus, as well as our capital and liquidity position, will depend on future developments,
                    which are highly uncertain and cannot be estimated, including the scope and duration of the pandemic and actions taken by governmental authorities and other third parties in response to the pandemic.
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.
Fee Tables
These tables describe the fees and expenses you pay when
            purchasing, owning and taking a withdrawal from the Contract, or transferring Contract Value between Allocation Options. For more information, see section 6, Expenses. 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.
Owner 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
7%
1
6%
2
5%
3
4%
4
3%
5
2%
6 years or more
0%
Transfer Fee
(3)
$25
(for each transfer between Variable Options after twelve in a Contract Year)
Premium Tax
(4)
3.5%
(as a percentage of each Purchase Payment)
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 the Term End Date)
(5)
Owner Periodic Expenses
Contract Maintenance Charge
(6)
$50
(per Contract per year)
(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.
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(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 4, Variable Options – Excessive Trading and Market Timing.
(4)
New York does not currently impose this tax, but we reserve the right to deduct this charge if they do so in the future. This is the maximum charge we could deduct if we exercise this right, as
                    discussed in section 6, Expenses – Premium Tax.
(5)
This
                      shows the maximum potential loss due to the application of the Daily Adjustment. The Daily Adjustment could result in a loss beyond the protection of the Buffer. The Daily Adjustment applies if you take a full or partial withdrawal,
                      or when we deduct Contract fees or expenses. The actual Daily Adjustment calculation is determined by a formula described in Appendix B.
(6)
Waived if the Contract Value is at least $100,000, as discussed in section 6, Expenses – Contract Maintenance Charge.
Contract Annual Expenses
Product Fee
(6)
1.25%
(as a percentage of the Charge Base)
(6)
We do
                    not assess the product fee during the Annuity Phase. See section 6, Expenses – Product Fee.
Annual Operating Expenses of the Variable Options
The following are the minimum and maximum total annual operating
            expenses charged by any of the Variable Options for the most recent fiscal year ended December 31, 2020, before the effect of any contractual expense reimbursement or fee waiver. We show the expenses as a percentage of a Variable Option's
            average daily net assets.
The Index Options do not assess any separate operating expenses, and are not included in the following chart.
Minimum
Maximum
Total annual Variable Option operating expenses
(including management fees, distribution or 12b-1 fees, and other expenses)
before fee waivers and expense reimbursements
0.65%
0.71%
The table below describes in detail the total annual operating
            expenses of the Variable Options before fee waivers and/or expense reimbursements. We show the expenses as a percentage of a Variable Option's average daily net assets for the most recent fiscal year ended December 31, 2020. Expenses may vary
            in current and future years. See the Variable Options' prospectuses for further information regarding the expenses you may expect to pay. Some of the Variable Options or their affiliates may also pay service fees to us or our affiliates. If
            these fees are deducted from Variable Option assets, they are reflected in the table below.
Variable Option
Management
fees
Rule 12b-1
fees
Other
expenses
Acquired fund
fees and expenses
Total annual fund operating
expenses before fee
waivers and/or expense
reimbursements
BLACKROCK
AZL Government Money Market Fund
.35
.25
.06
–
.66
ALLIANZ FUND OF FUNDS
AZL MVP Balanced Index Strategy Fund
(1)
.10
–
.04
.57
.71
AZL MVP Growth Index Strategy Fund
(1)
.10
–
.02
.53
.65
(1)
The
                    underlying funds may pay 12b-1 fees to the distributor of the Contracts for distribution and/or administrative services. The underlying funds do not pay service fees or 12b-1 fees to the Allianz Fund of Funds and the Allianz Fund of
                    Funds do not pay service fees or 12b-1 fees. The underlying funds of the Allianz Fund of Funds may pay service fees to the insurance companies issuing variable contracts, or their affiliates, for providing customer service and other
                    administrative services to contract purchasers. The amount of such service fees may vary depending on the underlying fund.
Examples
These examples are intended to help you compare the cost of
            investing in this Contract's Variable Options with the costs of other variable annuity contracts. These examples assume you make a $10,000 investment and your Variable Options earn a 5% annual return. They are not a representation of past or
            future expenses. Your Contract expenses may be more or less than the examples below, depending on the Variable Options you select and whether and when you take withdrawals. These examples 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, costs would be higher.
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We deduct the $50 contract maintenance
              charge in the examples on each Contract Anniversary during the Accumulation Phase (or the next Business Day if the Contract Anniversary is a non-Business Day). We may waive this charge under certain circumstances, as described in section 6,
              Expenses – Contract Maintenance Charge. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment. We deduct the annual product fee (maximum charge of 1.25% product fee) in the examples on
              each Quarterly Contract Anniversary during the Accumulation Phase, as described in section 6, Expenses – Product Fee. A transfer fee may apply, but is not reflected in these examples (see section 6, Expenses – Transfer Fee).
1)
If
                      you surrender your Contract (take a full withdrawal) at the end of each time period.
Total annual Variable Option operating expenses before any fee waivers or expense reimbursements of:
1 Year
3 Years
5 Years
10 Years
0.71% (maximum Investment Option operating expense)
$878
$1,210
$1,563
$2,726
0.65% (minimum Investment Option operating expense)
$872
$1,192
$1,533
$2,665
2)
If you
                    annuitize your Contract and begin Annuity Payments at the end of each time period. The earliest available Annuity Date (the date we begin making Annuity Payments) is 13 months after the Issue Date.
Total annual Variable Option operating expenses before any fee waivers or expense reimbursements of:
1 Year
3 Years
5 Years
10 Years
0.71% (maximum Investment Option operating expense)
N/A
$710
$1,243
$2,676
0.65% (minimum Investment Option operating expense)
N/A
$692
$1,213
$2,615
3)
If you
                    do not surrender your Contract.
Total annual Variable Option operating expenses before any fee waivers or expense reimbursements of:
1 Year
3 Years
5 Years
10 Years
0.71% (maximum Investment Option operating expense)
$248
$760
$1,293
$2,726
0.65% (minimum Investment Option operating expense)
$242
$742
$1,263
$2,665
Condensed Financial Information
The statutory financial statements of
              Allianz Life Insurance Company of New York are included in Appendix D and Appendix E of this prospectus. The financial statements of Allianz Life of NY Variable Account C are included in Appendix B of the Form N-4 SAI.
Accumulation unit value (AUV) information for the subaccounts
            offered under the Contract offered by this prospectus, as of December 31, 2020, is listed in the table below. This information should be read in conjunction with the financial statements and related notes of the Separate Account included in
            Appendix B of the SAI.
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(Number of accumulation units in thousands)
Period or Year Ended
AUV at Beginning of Period
AUV at End of Period
Number of Accumulation Units
Outstanding at End of Period
AZL Government Money Market Fund
12/31/2014
N/A
12.755
124.00
12/31/2015
12.755
12.756
249.00
12/31/2016
12.756
12.757
444.00
12/31/2017
12.757
12.763
524.00
12/31/2018
12.763
12.893
629.00
12/31/2019
12.893
13.072
774.00
12/31/2020
13.072
13.099
1470.00
AZL MVP Balanced Index Strategy Fund
12/31/2014
N/A
12.956
13.00
12/31/2015
12.956
12.927
60.00
12/31/2016
12.927
13.782
87.00
12/31/2017
13.782
15.353
85.00
12/31/2018
15.353
14.671
97.00
12/31/2019
14.671
17.152
108.00
12/31/2020
17.152
18.178
163.00
AZL MVP Growth Index Strategy Fund
12/31/2014
N/A
14.280
8.00
12/31/2015
14.280
14.165
29.00
12/31/2016
14.165
15.128
44.00
12/31/2017
15.128
17.543
47.00
12/31/2018
17.543
16.412
62.00
12/31/2019
16.412
19.779
57.00
12/31/2020
19.779
20.715
97.00
1.
The
              Contract
An annuity is a contract between you as
              the Owner, and an insurance company (in this case Allianz Life of New York), where you make payments to us and we invest that money in the Allocation Options you select. Depending on market conditions, your Contract may gain or lose value
              based on the returns of your selected Allocation Options. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payment option you select that is described in
              this prospectus. Other than to add benefits that are beneficial to you, we do not make any changes to your Contract without your permission except as may be required by law.
The Contract has an Accumulation Phase and an Annuity Phase.
The
Accumulation
              Phase
is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Allocation Options you select on a tax-deferred basis. Tax deferral 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 10, 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
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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 on a form satisfactory to us. If we approve your request, we withdraw the fee and pay it to your financial
              adviser.
We treat this fee payment as a withdrawal which means a withdrawal charge, federal and state income taxes, and may be subject to 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).
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
by more than the amount withdrawn and these reductions could be significant.
If this is a Non-Qualified Contract, a withdrawal will be a taxable withdrawal to the extent that gain
              exists within the Contract. Financial adviser fees paid from an IRA Contract will not be treated as a taxable withdrawal as long as the annuity contract is solely liable for the payment of the financial adviser fee. You should consult a tax
              adviser regarding the tax treatment of financial adviser fee payments.
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this
                Contract compared to other assets you may have.
Your financial adviser acts on your behalf, not ours. We are
              not party to any agreement between you and your financial adviser, nor are we responsible for your financial adviser's actions. We do not verify that withdrawals for financial adviser fees align with the terms of your agreement with your
              financial adviser. We do not set your financial adviser fee or receive any part of it. Any withdrawals for financial adviser fees you pay is in addition to this Contract's fees and expenses. We pay sales commissions to the selling firms and
              their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a
              combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments. Financial Professionals and their managers may also be eligible for various benefits such
              as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz Life Financial Services, LLC. You should ask your financial adviser about compensation
              they receive for this Contract. Allianz Life of New York is not an investment adviser, and does not provide investment advice in connection with sales of the Contract. We are not a fiduciary to you, and do not make recommendations or assess
              suitability.
You can submit a written request to our Service Center on a
              form satisfactory to us to allow your financial adviser to make Allocation Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser's trading history before allowing him or her to
              make transfers. If, in our sole discretion, we believe the financial 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 to pay financial
              adviser fees when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000. All fractional numbers in these examples have been rounded up to the next whole number.
Financial Adviser Fee
Withdrawal
Contract
Value
Traditional Death Benefit's
Guaranteed Death Benefit Value
Prior to withdrawal
$ 100,000
$ 90,000
$5,000 withdrawal
– ($5,000/ 100,000)
x 90,000)]
– $5,000
= – $4,500
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Financial Adviser Fee
Withdrawal
Contract
Value
Traditional Death Benefit's
Guaranteed Death Benefit Value
After withdrawal
$ 95,000
$ 85,500
The death benefit is the greater of the
              Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be $95,000 Contract Value.
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 (e.g. a trust, tax-exempt entity, or corporation). Qualified Contracts and non-individually owned Contracts can only have one Owner. A
Qualified
              Contract
is purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.
Joint Owner
A Non-Qualified Contract can be owned by up to two individual
            Owners
(Joint Owners)
. We generally require the signature of both Joint Owners on any forms that are submitted to our Service Center.
Annuitant
The Annuitant is the individual on whose life we base Annuity
            Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a
            custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Annuity Date.
You cannot change the Annuitant if the Owner is a
              non-individual
. Subject to our approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements associated with the Contract. For
            individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.
Designating different persons as Owner(s) and Annuitant(s) can have
            important impacts on whether a death benefit is paid, and on who receives it as indicated below
. For more examples, please see the Appendix A to the Form N-4 SAI.
Use care when designating Owners and
            Annuitants, and consult your Financial Professional if you have questions
.
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Upon the Death of a Sole Owner
Action if the Contract is in the Accumulation Phase
•
We pay a
                      death benefit to the Beneficiary unless the Beneficiary is the surviving spouse and continues the Contract.
•
If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the Contract:
–
we
                        increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the death benefit ends,
–
the
                      surviving spouse becomes the new Owner,
–
the
                      Accumulation Phase continues, and
–
upon the surviving spouse's death, his or her Beneficiary(s) receives the Contract Value.
•
If the
                      deceased Owner was not a Determining Life, the Traditional Death Benefit is not available and the Beneficiary(s) receives the Contract Value.
Action if the Contract is in the Annuity Phase
•
The
                      Beneficiary becomes the Payee. If we are still required to make Annuity Payments under the selected Annuity Option, the Beneficiary also becomes the new Owner.
•
If the
                      deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable.
•
If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows.
–
Annuity
                      Option 1 or 3, payments end.
–
Annuity
                      Option 2 or 4, payments end when the guaranteed period ends.
–
Annuity Option 5, payments end and the Payee may receive a lump sum refund.
–
For
                        more information on Annuity Options, please see section 8.
•
If the
                      deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable.
Determining Life (Lives)
The Determining Life
                (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract the Determining
                Life (Lives) are the Owner(s). For a non-individually owned Contract the Determining Life is the Annuitant. After the Issue Date the Determining Life (Lives) only change if:
•
you
                        remove a Joint Owner due to divorce, then we also remove that person as a Determining Life, or
•
you establish a jointly owned Non-Qualified Contract and change ownership to a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.
Beneficiary
The Beneficiary is the person(s) or entity you
              designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die
              simultaneously, that Beneficiary's interest in this Contract ends unless your Beneficiary designation specifies otherwise. You and a Beneficiary are deemed to have died simultaneously if it is not established by clear and convincing evidence
              that either you or the Beneficiary survived the other by 120 hours. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.
FOR JOINTLY OWNED CONTRACTS:
The sole primary Beneficiary is the surviving Joint Owner regardless of any
                        other named primary Beneficiaries. If both Joint Owners die simultaneously, we pay the death benefit to the named contingent Beneficiaries or equally to the estate of the Joint Owners if there are no named contingent Beneficiaries.
Payee
The Payee is the person or entity who receives
              Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally we require the Payee to be an Owner. However, you can name a charitable trust, financial institution, qualified plan, or an individual
              specified in a court order as a Payee. For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.
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Assignments, Changes of Ownership and Other Transfers of Contract
            Rights
You can assign your rights under this Contract to someone else
            during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee
            of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.
You must submit your request to assign the Contract in writing to
            our Service Center and we must approve it in writing.
Upon receipt of your request in Good Order, we record the
            assignment. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. A request is in "
Good Order
" when it contains all the information we require to process it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change
            the Annuitant or Beneficiary you must make a separate request.
•
An
                      assignment may be a taxable event
. In addition, there are other restrictions on changing the ownership of a Qualified Contract and Qualified Contracts generally cannot be assigned absolutely or on a limited basis.
You should consult with your tax adviser before assigning this Contract
.
•
An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to divorce, or replacing Joint Owners with a Trust.
3.
Purchasing

              the Contract
Purchase Requirements
To purchase this Contract, on the Issue Date all Owners and the
            Annuitant must be age 80 or younger.
The Purchase Payment requirements for this Contract are as
            follows.
•
The
                    minimum initial Purchase Payment due on the Issue Date is $10,000.
•
You can
                    make additional Purchase Payments of $50 or more during the Accumulation Phase.
•
We do
                    not accept additional Purchase Payments on or after the Annuity Date.
•
The maximum total Purchase Payments we accept is $1 million.
We may, at our sole discretion, waive the minimum Purchase
            Payment requirements.
Once we receive your initial Purchase Payment and all necessary
            information in Good Order at our Service Center, we issue the Contract within two Business Days and allocate your payment to your selected Allocation Options. If 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. A Purchase Payment is "received" when it arrives at our Service Center from the address for mailing checks listed at the back of this
            prospectus regardless of how or when you submitted them. We forward Purchase Payments we receive at the wrong address to the last address listed at the back of this prospectus, which may delay processing.
We can only decline a Purchase Payment if it would cause total
            Purchase Payments to be more than $1 million, or if it would otherwise violate the Purchase Payment restrictions of your Contract (for example, we do not allow additional Purchase Payments on or after the Annuity Date). If mandated under
            applicable law, we may be required to reject a Purchase Payment.
Applications Sent Electronically
We accept manually signed applications that are in Good Order and
            are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do not receive. A
            manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can experience outages
            or slowdowns which may delay application processing.
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Although we have taken precautions to help our system handle heavy use, we cannot
            promise complete reliability. If you experience problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application policy at any time and for any reason.
Allocation of Purchase Payments and Contract Value Transfers
The allocation instructions you provide on
              your application automatically become your Purchase Payment default instructions. (In your Contract, Purchase Payment default instructions are called future allocation instructions.) We use these default instructions for all Purchase Payments
              we receive unless you change them, or give us alternate allocation instructions specific to an individual Purchase Payment.
We only allow Purchase Payments to move into the available
                Index Options on the Index Effective Date and on subsequent Index Anniversaries.
As a result, we hold Purchase Payments 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, we transfer the amounts held in the AZL Government Money Market Fund to
              your selected Index Options on the next Index Anniversary. This transfer on the next Index Anniversary does not involve a reallocation of your total Contract Value.
We only allow Variable Account Value transfers into Index
              Options and Index Option Value transfers between Index Options on Term End Dates. We do not allow assets to move into an established 3-year or 6-year Term Index Option until the Term End 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 5, 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, 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 www.allianzlife.com/indexratesny and cannot be superseded until that period ends.
              If you select the earliest Index Effective Date, the initial rates available for review on your Issue Date will be the rates on your Index Effective Date. However, if you choose to defer your Index Effective Date your initial rates may change
              from the values that were available on the Issue Date. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the product still meet your needs. In addition, if you select an Index
              Effective Date that is after the end of the free look period, you will bear the risk that initial Caps and Participation Rates may change and be less advantageous to you and that you will be subject to the contract maintenance charge, product
              fee, and rider fee if you then elect to cancel the Contract on or before the Index Effective Date, but after the free look period. You may review future rates at least seven calendar days before their effectiveness at
              www.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
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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
.
We notify you at least 30 days in advance of each Index
              Anniversary as a reminder that on the upcoming anniversary you may Variable Account Value to the Index Options, and you may transfer Index Option Value to the Variable Options or among the available Index Options. Transfers between Allocation
              Options do not change your Purchase Payment default instructions. For more information, see section 4, 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 Index Options (if available) at the renewal Caps and Participation Rates.
With prior written notice we may make certain Index Options
              temporarily unavailable 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.
These
                assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable.
You can transfer Variable Account Value among the Variable
            Options on any Business Day, except that any amount held in the AZL Government Money Market Fund that is set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if
            it is transferred to another Variable Option.
•  In order to apply Purchase Payments
                    we receive
after
the Index Effective Date to your selected Index Option(s) on the next Index Anniversary, we must receive them
before
the end of the Business Day on the Index Anniversary (or before the end of the
prior
Business Day if
                    the anniversary is a non-Business Day).
•  Variable
                    Options are subject to Contract fees and expenses (e.g. product fee), and market risk and assets you allocate to them may lose value,
including any Purchase Payments we hold in the AZL
                      Government Money Market before transferring them to your selected Index Options
.
Automatic Investment Plan (AIP)
The AIP makes additional Purchase Payments
              to the Variable Options 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.
Assets that were destined for a temporarily unavailable Index Option that we continue to hold in the AZL Government Money Market Fund will not be eligible to receive a Performance Credit until at
                least the second Index Anniversary after an Index Option becomes temporarily unavailable.
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 you have an IRA Contract, we refund
            your Purchase Payments less withdrawals, or Contract Value, if greater. For IRA Contracts, we reserve the right to allocate your initial Purchase Payment to the AZL
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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. We do not assess a withdrawal charge or deduct any other Contract fees or expenses if you cancel your
              Contract during the free look period. In the Contract, the free look provision is also called the right to examine.
4.
Variable
              Options
The following table lists this Contract's Variable Options and
            their associated investment advisers and subadvisers, investment objectives, and principal 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.
You should read the Variable Options' prospectuses carefully
. The Variable Options invest in different types of securities and follow varying investment strategies. There are potential risks associated with each of these types of securities and investment strategies. The
              operation of the Variable Options and their various risks and expenses are described in the Variable Options' prospectuses. We send you the current copy of the Variable Options' prospectuses when we issue the Contract.
(You can also
            obtain the current Variable Options' prospectuses by contacting your Financial Professional or calling us at the toll-free telephone number listed at the back of this prospectus.)
Currently, the Variable Options are not publicly available mutual
            funds. They are available only as Variable Options in variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified pension or retirement plans. A
            material conflict of interest may arise between insurance companies, owners of different types of contracts, and retirement plans or their participants. Each Variable Option's Board of Directors monitors for material conflicts, and determines
            what action, if any, should be taken to address any conflicts.
The names, investment objectives and policies of certain Variable
            Options may be similar to the names, investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Variable Options' investment results may be
            higher or lower than these other portfolios' results. The investment advisers cannot guarantee, and make no representation, that these similar funds' investment results will be comparable even though the Variable Options have the same names,
            investment advisers, objectives, and policies.
Each Variable Option offered by the Allianz Variable Insurance
            Products Fund of Funds Trust (Allianz VIP Fund of Funds Trust) is a "fund of funds" and diversifies its assets by investing primarily in shares of several other affiliated mutual funds.
The Variable Options may pay 12b-1 fees to the Contracts'
            distributor, our affiliate, Allianz Life Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are compensated by
            the Variable Options' advisers, distributors and/or affiliates for administrative services and benefits we provide to these Variable Options. The compensation amount usually is based on the Variable Options' aggregate assets purchased through
            contracts we issue or administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any variable investment option in any variable annuity contract we offer is 0.35% annually of the average
            aggregate amount invested by us in the variable investment options.
The Allianz VIP Fund of Funds Trust underlying funds do not pay
            12b-1 fees or service fees to the Trust, and the Trust does not charge 12b-1 fees or service fees. The Allianz VIP Fund of Funds Trust underlying funds or their advisers may pay service fees to us and our affiliates for providing customer
            service and other administrative services to you. Service fees may vary depending on the underlying fund.
We offer other variable annuity contracts that may invest in
            these Variable Options. These contracts may have different charges and may offer different benefits more appropriate to your needs. For more information about these contracts, please contact our Service Center.
Allianz Investment Management LLC is an adviser/subadviser that
            is affiliated with us through common ownership.
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VARIABLE OPTIONS
Investment
Management
Company and
Adviser/Subadviser
Investment
Option Name
Asset Class
Investment
Objective
Principal Investment Strategies
(Normal market conditions)
Allianz Fund of Funds
Allianz Investment Management LLC
AZL MVP Balanced Index Strategy Fund
A "Fund of Funds" Model Portfolio
Long-term capital appreciation with preservation of capital as an important consideration
Invests primarily (approximately 95%) in a combination of five underlying index funds (generally allocated 40% to 60% to underlying equity index funds and 40% to
                    60% to underlying bond index fund), combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk.
AZL MVP Growth Index Strategy Fund
A "Fund of Funds" Model Portfolio
Long-term capital appreciation
Invests primarily (approximately 95%) in a combination of five underlying index funds (generally allocated 65% to 85% to underlying equity index funds and 15% to
                    35% to underlying bond index fund), combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk.
Blackrock
Allianz Investment Management LLC/BlackRock Advisors, LLC
AZL Government Money Market Fund
Cash Equivalent
Current income consistent with stability of principal
Invests at least 99.5% of its total assets in cash, government securities, or repurchase agreements that are collateralized
                    fully. Invests at least 80% in government securities or in repurchase agreements collateralized by government securities. Investments include U.S. Treasury bills, notes and other obligations issued or guaranteed as to principal and
                    interest by the U.S. Government, its agencies or instrumentalities, and repurchase agreements secured by such obligations. In addition, the Fund may invest in variable and floating rate instruments. During extended periods of low
                    interest rates, and due in part to contract fees and expenses, the yield of the AZL Government Money Market Fund may also become extremely low and possibly negative.
Substitution of Variable Options and Limitation on Further
            Investments
We may substitute another Variable Option for one of your
            selected Variable Options, for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice. We may make
            substitutions with respect to your existing allocations, future Purchase Payment allocations, or both. New or substitute Variable Options may have different fees and expenses, and their availability may be limited to certain purchaser classes.
            We may limit further Variable Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Variable Options to additional allocations. The fund companies that sell
            Variable Option shares to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares.
Transfers Between Variable Options
You can transfer Variable Account Value among the Variable
            Options on any Business Day. Transfers may be subject to a transfer fee as stated in section 6, Expenses.
The following applies to any transfer.
•
Your
                    request for a transfer must clearly state the Variable Options involved and how much to transfer.
•
Your
                    right to make transfers is subject to the Excessive Trading and Market Timing policy discussed later in this section.
•
Variable Account Value transfers between Variable Options do not change your Purchase Payment default instructions.
Any amount held in the AZL Government Money Market Fund that is
            set to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable Option.
We process transfer requests based on prices next determined
            after we receive your request in Good Order at our Service Center. If we do not receive your transfer request
before
the end of the
current
Business Day, even if
            due to our delay in answering your call or a delay caused by our electronic systems, you receive the
next
Business Day's prices. For jointly
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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 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
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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.
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.
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The retention of some level of discretion by us may result in
            disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive trading practices that have negative
            effects.
Voting Privileges
We legally own the 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.
5.
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 or Contract Value transfer,
• there is negative Variable Option performance, or
• we deduct Contract fees and expenses
Contract
fees and
expenses we deduct from the Variable Options include the product fee, contract maintenance charge, withdrawal charge and transfer fee as described in section 6, Expenses.
                      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 or Contract Value transfer,
• you receive a negative Performance Credit or Daily Adjustment, or
• we deduct Contract fees and expenses
Contract fees and expenses we deduct from the Index Options include the product fee, contract maintenance charge and withdrawal
                      charge  as described in section 6, Expenses.
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. 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
                Buffer.
A negative Performance Credit means that you can lose principal and previous earnings.
These losses can be significant.
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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.
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, or when we deduct Contract fees and expenses.
We arbitrarily set the initial accumulation unit value for each
            subaccount. At the end of each Business Day, we determine the new accumulation unit value for each subaccount by multiplying the prior Business Day's accumulation unit value by the Variable Option's percentage change in price since the prior
            Business Day. The percentage change in price includes the Variable Option's market performance.
Example
•
We
                    receive at our Service Center an additional Purchase Payment of $3,000 from you before the end of the Business Day.
•
When
                    the New York Stock Exchange closes on that Business Day, we determine that the accumulation unit value is $13.25 for the subaccount of your selected Variable Option.
•
We then divide $3,000 by $13.25 and credit your Contract that night with 226.415094 subaccount accumulation units for your selected Variable Option.
Determining Index Option Values
We calculate an Index Option Value for
              each Index Option at the end of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the 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.
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.
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Lastly, we increase and/or decrease each
              Index Option Base and Index Option Value for additional Purchase Payments, transfers, partial withdrawals you take (including 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 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 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).
•
Your partial withdrawal reduces your Index Option Value by the percentage of Contract Value in each Index Option (Index Option Value ÷ Contract Value).
–
For
                      the first Index Option this percentage is 75% ($75,000 ÷ $100,000) and the $10,000 partial withdrawal reduces this value by $7,500 ($10,000 x 75%). For the second Index Option this percentage is 25% ($25,000 ÷ $100,000) and the
                      $10,000 partial withdrawal reduces this value by $2,500 ($10,000 x 25%).
•
We
                      then reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value (amount withdrawn from Index Option Value ÷ Index Option Value).
–
For
                      the first Index Option this percentage is 10% ($7,500 ÷ $75,000) and the $10,000 partial withdrawal reduces this value by $7,200 ($72,000 x 10%). For the second Index Option this percentage is also 10% ($2,500 ÷ $25,000) and the
                      $10,000 partial withdrawal reduces this value by $2,200 ($22,000 x 10%).
•
Deductions
                      we make for Contract fees and expenses also reduce these values proportionately in the same way as a partial withdrawal.
First Index Option
Second Index Option
Index Option Value
Index Option Base
Index Option Value
Index Option Base
Prior to partial withdrawal
$ 75,000
$ 72,000
$ 25,000
$ 22,000
$10,000 partial withdrawal
– $7,500
– $7,200
– $2,500
– $2,200
After partial withdrawal
$ 67,500
$ 64,800
$ 22,500
$ 19,800
•
Amounts removed from the Index Options during the Term for partial withdrawals you take 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 expenses; we deduct Contract 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.
There is no consistent financial advantage to deducting a partial withdrawal from any specific Allocation Option.
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Calculating Performance Credits
We base Performance Credits on Index
              Values and Index Returns. We measure Index Values on the Term Start Date and Term End Date using the Index's price at the end of the Business Day as provided by Bloomberg or another market source if Bloomberg is not available. If the Term
              Start Date or Term End Date is a non-Business Day we use the next Business Day's Index price. If you select the EURO STOXX 50
®
, we
              determine Index Returns without any exchange rate adjustment.
Because we calculate Index Returns only on Term End Dates, the Index Return does not necessarily reflect the highest or
                lowest Index Values that occurred during the Term.
Crediting Method
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
Performance Credit is equal to the negative Index Return in excess of the Buffer. Assume the Buffer is 30%. 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 Buffer.
Assume the Buffer for the 1-year Term is 10%. 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 Buffer.
Assume the Buffer for the 3-year Term is 10%. 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 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
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 Buffer.
Assume the Buffer for the 6-year Term is 10%. 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
We designed the Daily Adjustment to
              provide an Index Option Value during the Term on days other than the Term Start Date or the Term End Date. The Daily Adjustment can affect the amounts available for withdrawal, annuitization, payment of the death benefit, and the Contract
              Value used to determine the Charge Base and contract maintenance charge. It is discussed in the Summary - What is the Daily Adjustment?; and in Risk Factors – Risk of Negative Returns. The Daily Adjustment formula is described in Appendix B
              and in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This information is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99(a) by calling (800)
              624-0197, or visiting our website at www.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%.
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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 for the remainder of the Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date. However, a locked Index Option Value can decrease if you take a partial withdrawal or when we
              deduct Contract expenses. On the next Index Anniversary that occurs immediately after the Lock Date, all locked Index Options will be unlocked, we will transfer the locked Index Option Value according to your instructions, and Daily
              Adjustments will again apply for the new 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.
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. 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 it 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. 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.
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.
These assets will not be eligible to receive a Performance Credit until at least the second Index Anniversary after an Index Option becomes temporarily unavailable.
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.
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.
Product Fee
The product fee compensates us for providing all your Contract's
            benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The product fee also compensates us for assuming the expense risk that the current fee is less than future Contract
            administration costs as well as the cost of providing certain features under the Contract. If the product fee covers these costs and risks, any excess is profit to us. We anticipate making such a profit.
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Annual Contract Fees
(as a percentage of the Charge Base)
Product Fee
(1)
1.25%
(1)
Upon the
                    death of the Owner, we continue to assess this product fee under death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 9, Death Benefit.
The product fee is an annualized rate that we calculate and
            accrue on a daily basis as a percentage of the Charge Base during the Accumulation Phase as follows.
Issue Date
Non-Quarterly Contract Anniversaries
Quarterly Contract Anniversaries*
• The Charge Base is equal to your initial Purchase Payment. • We begin calculating and
                      accruing the daily product fee,
on the day after the Issue Date.
• First we calculate and accrue the daily product fee, using the Charge Base. If this is a non-Business Day we use the Charge Base from the
                      end of the prior Business Day. • Then if this is a Business Day we increase/decrease the Charge Base as follows.
– If we receive an additional Purchase Payment, we increase the Charge Base by the dollar amount we receive.
– If you take a partial withdrawal, or we deduct Contract fees and expenses, we decrease the Charge Base by the percentage of Contract Value withdrawn (including any withdrawal charge). All withdrawals you take reduce the Charge
                      Base, even Penalty-Free Withdrawals.
• First we process all daily transactions and determine your Contract Value. Daily transactions include any gains/losses due to
                      Variable Option performance or application of any Daily Adjustment (or Performance Credit if this is also the Term End Date), any additional Purchase Payment, any partial withdrawals you take (including any withdrawal charge), and
                      deductions we make for Contract fees and expenses
(including deduction of the accrued daily product fee for the prior quarter).
All partial withdrawals you take
                      reduce the Charge Base, even Penalty-Free Withdrawals.
– We deduct the accrued product fee for the prior quarter on a dollar for dollar basis from the Contract Value, and proportionately from each Allocation Option. • Then we set the Charge Base equal to this Contract Value and we
                      calculate and accrue the
next quarter's
daily product fee using the newly set Charge Base.
*
Or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day.
Example:
Contract Value is $125,000; Charge Base is $127,000; a $10,000 partial
                        withdrawal (including any withdrawal charge) would decrease the Charge Base by $10,160. [($10,000 ÷ $125,000) x $127,000]
Any increase/decrease to the Charge Base will increase/decrease the daily product fee we calculate and accrue
on the next day.
Examples of how we calculate the product fee are included in Appendix C.
We do not treat the deduction of the accrued product fee as a withdrawal when computing your Guaranteed Death Benefit Value under the Traditional Death Benefit
                      (see section 9).
Deduction of the final product fee
•
If
                      you take a full withdrawal we deduct the final accrued product fee before processing the withdrawal.
•
If you
                    annuitize the Contract, we deduct the final accrued product fee before calculating Annuity Payments.
•
Upon
                      the death of an Owner (or Annuitant if the Owner is a non-individual), we deduct the final accrued product fee before calculating the death benefit if death benefit payment Option A or Annuity Payments under death benefit payment
                      Option C is selected. For more information on the death benefit payment options see section 9, Death Benefit.
If on a Quarterly Contract Anniversary (or the next Business Day if the Quarterly Contract Anniversary is a non-Business Day) the Contract Value is less than the
                    accrued product fee, we deduct your total remaining Contract Value to cover the accrued product fee and reduce your Contract Value to zero. If the deduction of the accrued product fee reduces your Contract Value to zero and the
                    Traditional Death Benefit has ended, we treat this as a full withdrawal and your Contract ends.
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Contract Maintenance Charge
Your annual contract maintenance charge is $50. This charge is
            for Contract administration and maintenance expenses. We waive this charge as follows:
•
During
                    the Accumulation Phase, if the total Contract Value for all Allianz Index Advantage
®
New York Contracts you own is at least $100,000 at the
                    end of the last Business Day before the Contract Anniversary, or if the Contract Value for this single Allianz Index Advantage
®
New York
                    Contract is at least $100,000 on the Contract Anniversary. We determine the total Contract Value for all individually owned Allianz Index Advantage
®
New York Contracts by using the Owner's social security number, and for non-individually owned Allianz Index Advantage
®
New York Contracts
                    we use the Annuitant's social security number.
•
During
                    the Annuity Phase.
•
When paying death benefits.
We deduct the contract maintenance charge:
•
on a
                    dollar for dollar basis from the Contract Value on the Contract Anniversary (or the next Business Day if the Contract Anniversary is a non-Business Day), and
•
we deduct it proportionately from each Allocation Option.
If you take a full withdrawal from your
              Contract (other than on a Contract Anniversary), we deduct the full contract maintenance charge. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing your Guaranteed Death Benefit Value.
Withdrawal Charge
You can take withdrawals during the
              Accumulation Phase. A withdrawal charge applies if any part of a withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which is equal
              to total Purchase Payments, less any Purchase Payments withdrawn (including any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts we deduct to pay other Contract
              fees and expenses.
We do not assess a withdrawal charge on Penalty-Free Withdrawals or
            amounts we deduct to pay Contract expenses, other than the withdrawal charge. However, any amounts used to pay a withdrawal charge are subject to a withdrawal charge.
Amounts withdrawn to pay investment adviser
              fees are subject to a withdrawal charge if they exceed the free withdrawal privilege.
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Calculating a Withdrawal Charge
Example
For purposes of calculating any withdrawal charge, we withdraw Purchase Payments on a "first-in-first-out" (FIFO) basis and we process withdrawal
                      requests as follows.
You make an initial Purchase Payment of $30,000 and make another Purchase Payment in the first month of the second Contract Year of $70,000. In the third
                      month of the third Contract Year, your Contract Value is $110,000 and you request a $52,000 withdrawal. We withdraw money and compute the withdrawal charge as follows.
1.  First we withdraw from Purchase Payments that we have had for six or more complete years, which is your Contract's withdrawal charge period.
                      This withdrawal is not subject to a withdrawal charge and it reduces the Withdrawal Charge Basis dollar for dollar.
1
.
Purchase Payments beyond the withdrawal charge period.
All payments are still within the withdrawal charge period, so this does not apply.
2.  Amounts available as a Penalty-Free Withdrawal. This includes partial withdrawals you take during the Accumulation Phase under the free
                      withdrawal privilege or waiver of withdrawal charge benefit, and RMD payments under our minimum distribution program. Penalty-Free Withdrawals are not subject to a withdrawal charge, but they reduce the Withdrawal Charge Basis dollar
                      for dollar, and are withdrawn from Purchase Payments on a FIFO basis.
2
.
Amounts available as a Penalty-Free Withdrawal.
You did
                      not take any other withdrawals this year, so the entire free withdrawal privilege (10% of your total Purchase Payments, or $10,000) is available to you without incurring a withdrawal charge. We also deduct this $10,000 from the first
                      Purchase Payment.
3.  Next, on a FIFO basis, we withdraw from Purchase Payments within your Contract's withdrawal charge period and assess a withdrawal charge.
                      Withdrawing payments on a FIFO basis may help reduce the total withdrawal charge because the charge declines over time. We determine your total withdrawal charge by multiplying each payment by its applicable withdrawal charge
                      percentage and then totaling the charges. These withdrawals reduce the Withdrawal Charge Basis.
The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows.
3
.
Purchase Payments within the withdrawal charge period on a FIFO basis.
The
                      total amount we withdraw from the first Purchase Payment is $30,000, which is subject to a 5% withdrawal charge, and you receive $19,000. We determine this amount as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the amount you receive, or:
$20,000 x 0.95 = $19,000
Next we withdraw from the second Purchase Payment.
So far, you received $29,000 ($10,000 under the free withdrawal privilege and $19,000 from the first Purchase Payment which is now reduced to zero), so we withdraw $23,000 from the second Purchase Payment to equal the $52,000 you
                      requested. The second Purchase Payment is subject to an 6% withdrawal charge. We calculate the total amount withdrawn and its withdrawal charge as follows:
(the amount you receive) ÷ (1 – withdrawal charge) = amount withdrawn, or:
$23,000 ÷ 0.94 = $24,468.
Number of Complete
Years Since
Purchase Payment
Withdrawal Charge
Amount
0
1
2
3
4
5
6 years or more
7%
6%
5%
4%
3%
2%
0%
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Calculating a Withdrawal Charge
Example
4.  Finally we withdraw any Contract earnings. This withdrawal is not subject to a withdrawal
                      charge and it does not reduce the Withdrawal Charge Basis.
4.
Contract earnings.
We already withdrew your requested amount, so this does not
                      apply.
In total we withdrew $53,468 from your Contract, of which you received $52,000 and paid a withdrawal charge of $1,468. We also reduced the 1st Purchase Payment from $30,000 to $0, and your 2nd Purchase
                        Payment from $70,000 to $45,532 ($70,000 -
$24,468).
Upon a full withdrawal, we first deduct
              any final product fee and contract maintenance charge from your Contract Value before we calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the remaining
              amount. For a partial withdrawal we pay you the amount you requested and deduct this amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including any withdrawal charge) proportionately from each
              Allocation Option unless you provide us with alternate instructions. If a partial withdrawal occurs on a day that we also deduct the product fee and/or contract maintenance charge, we deduct these fees and expenses before we calculate and
              deduct the partial withdrawal and any withdrawal charge from the Contract Value.
The withdrawal charge compensates us for expenses associated with
            selling the Contract.
Reduction or Elimination of the Withdrawal Charge
We may reduce or eliminate the withdrawal charge when the
            Contract is sold under circumstances that reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or if a
            prospective purchaser already has a relationship with us. We may choose not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life of New York or any of its affiliates. Also, we may reduce or
            eliminate the withdrawal charge when a Contract is sold by a Financial Professional appointed with Allianz Life of New York to any members of his or her immediate family and the Financial Professional waives their commission. We must
            pre-approve any withdrawal charge reduction or elimination.
•  Upon a full withdrawal the free
                      withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within the withdrawal charge period.
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 may also be
                      subject to
ordinary income taxes, and a 10% additional federal tax if you are under age 59
1
⁄
2
, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment
(which can be negative)
.
•  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 9, Death Benefit.
We deduct the transfer fee on a dollar for
              dollar basis from the amount of Variable Account Value being transferred before allocating the remaining Variable Account Value to your selected Variable Options. We do not treat the deduction of the transfer fee as a withdrawal when
              computing the Guaranteed Death Benefit Value under the Traditional Death Benefit.
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Premium Tax
Premium tax is based on your state of residence at the time you
            make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase Payment,
            depending on the state or governmental entity. New York does not currently assess a premium tax.
Income Tax
Currently, we do not deduct any Contract related income tax we
            incur, although we reserve the right to do so in the future.
Variable Option Expenses
The Variable Options' assets are subject to operating expenses
            (including management fees). These expenses are described in the Fee Tables and 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 withdrawals under the free withdrawal privilege, systematic withdrawal program, and waiver of withdrawal charge benefit; and for Qualified Contracts only, RMD payments under our minimum distribution
                      program);
•
by
                      taking Annuity Payments; or
•
when we pay a death benefit.
You can take withdrawals during the Accumulation Phase. We
            process withdrawal requests based on values next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. We process any withdrawal request received at or after
            the end of the current Business Day using values determined on the next Business Day.
Any partial withdrawal must be for at least $100.* The Contract
            Value after a partial withdrawal must be at least $2,000.*
We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal.
*
Does
                      not apply to RMD payments under our required minimum distribution program.
We deduct any partial withdrawal (including any withdrawal
            charge) proportionately from each Allocation Option unless you provide us with alternate instructions.
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,
•
less
                      any final product fee and contract maintenance charge, and
•
less
                    any withdrawal charge.
See the Fee Tables and section 6, Expenses for a discussion of
            the Contract fees and expenses.
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 may be subject to a withdrawal
                      charge, state and federal taxation, and a 10% additional federal tax if you are under age 59
1
⁄
2
, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment
(which can be
                        negative)
.
•
Joint Owners:
We send one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ, we tax both Joint Owner's based
                      on the age of the older Joint Owner. For Contracts issued on or after August 24, 2015 that have a number starting with AV, we tax each Joint Owner individually.
Taxing each
                        Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59
1
⁄
2
because that Joint Owner will be subject to the 10% additional federal tax.
•  We may be
                      required to provide information about you or your Contract to government regulators. We may also be required to stop Contract disbursements and thereby refuse any transfer requests, and refuse to pay any withdrawals (including a full
                      withdrawal), or death benefits until we receive instructions from the appropriate regulator. If, pursuant to SEC rules, the AZL Government Money Market Fund suspends payment of redemption proceeds in connection with a fund
                      liquidation, we will delay payment of any transfer, full or partial withdrawal, or death benefit from the AZL Government Money Market Fund subaccount until the fund is liquidated.
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Free Withdrawal Privilege
Each Contract Year during the Accumulation
              Phase, you can withdraw up to 10% of your total Purchase Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount available to you in
              the next Contract Year. Withdrawals from Purchase Payments that are outside the six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. RMD payments you take under our minimum
              distribution program are not subject to a withdrawal charge, but do reduce your free withdrawal privilege.
The free withdrawal privilege is not available upon a full withdrawal.
Systematic Withdrawal Program
The systematic withdrawal program can
              provide automatic withdrawal payments to you during the Accumulation Phase. You can request to receive these withdrawal payments monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make
              annual payments. The minimum amount you can withdraw under this program is $100 and there is no maximum. During the withdrawal charge period (if applicable), systematic withdrawals in excess of the free withdrawal privilege are subject to a
              withdrawal charge. We make systematic withdrawals on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your systematic withdrawal program form instructions in Good Order at our Service Center
              before the end of the Business Day before we process these withdrawals, or your program does not begin until the next month. This program ends at 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.
•
Ordinary

                      income taxes and tax penalties may apply to systematic withdrawals.
•
The systematic withdrawal program is not available while you are receiving required minimum distribution payments.
Minimum Distribution Program and Required Minimum Distribution
            (RMD) Payments
If you own an IRA or SEP IRA Contract, you can participate in the
            minimum distribution program during the Accumulation Phase. If you have an Inherited IRA Contract 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 can make payments to you on a monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. You cannot aggregate RMD payments between this Contract and other
            qualified contracts that you own. We make RMD payments on the ninth of the month, or the next Business Day if the ninth is a non-Business Day. We must receive your program form instructions in Good Order at our Service Center before the end of
            the Business Day before we process these payments, or your program does not begin until the next month.
•
You

                      should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.
•
The minimum distribution program is not available while you are receiving systematic withdrawals.
Waiver of Withdrawal Charge Benefit
After the first Contract Year, if any Owner becomes confined to a
            nursing home for a period of at least 90 consecutive days and a physician certifies that continued confinement is necessary, you can take withdrawals and we waive the withdrawal charge. 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.
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;
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•
an
                    emergency (as determined by the SEC) exists as a result of which disposal of the Variable Option shares is not reasonably practicable or we cannot reasonably value the Variable Option shares; or
•
during any other period when the SEC, by order, so permits for the protection of Owners.
8.
The
              Annuity Phase
Prior to annuitization, you can take a
              full withdrawal and receive your total Contract Value (less the withdrawal charge, and final product fee and contract maintenance charge). If you take a full withdrawal on any day other than 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 apply your Contract Value to regular periodic fixed
            Annuity Payments. The Payee receives the Annuity Payments. You receive tax reporting on the payments, whether or not you are the Payee. We may require proof of the Annuitant(s)' age before we make any life contingent Annuity Payment. If you
            misstate the Annuitant(s)' age or gender, we recalculate the Annuity Payments based on the correct age or gender.
Calculating Your Annuity Payments
We base Annuity Payments upon the following:
•
The
                    Contract Value less the final product fee on the Annuity Date.
•
The age
                    of the Annuitant and any joint Annuitant on the Annuity Date.
•
The
                    gender of the Annuitant and any joint Annuitant where permitted.
•
The
                    Annuity Option you select.
•
Your Contract's interest rate (or current rates, if higher) and mortality table.
If the Annuity Date is not 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.
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.
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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.
When Annuity Payments Begin
Annuity Payments begin on the Annuity Date. Your scheduled
            Annuity Date is the first day of the calendar month following the Annuitant's 90th birthday and is stated in your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy minimum required distribution rules under certain
            Qualified Contracts.
You can make an authorized request for a different, earlier or later Annuity Date after the Issue Date, but any such request is subject to applicable law and our approval.
An earlier or later Annuity Date may not be available to you depending on the Financial Professional you purchase your Contract through and your state of residence. Your Annuity Date must be at least 13 months after the Issue Date.
If on the Annuity Date (which may occur as early as age 90 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.
9.
Death
              Benefit
"You" in this section refers to the Owner, or the Annuitant if
            the Contract is owned by a non-individual.
The death benefit is only available during the Accumulation Phase.
If you or the Determining Life (Lives) die during the Accumulation Phase, we process the death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof
              of death as stated here. (For information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day's prices.
If there are multiple Beneficiaries, each Beneficiary receives
            the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary's interest in this Contract ends unless your Beneficiary designation
            specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct us to pay Beneficiaries a specific
            percentage of the death benefit, each Beneficiary receives an equal share.
Each Beneficiary's portion of the death benefit remains in the
            Allocation Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is
            Variable Account Value in the AZL Government Money Market Fund on the date of death, it remains there until the earlier of the next Index Anniversary, or the date we receive a Valid Claim. If an Index Anniversary occurs before we receive a
            Valid Claim, we will transfer that Beneficiary's portion of the Variable Account Value to the Allocation Options based on the allocation instructions that were in effect on the date of death.
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From the time we determine the death benefit until we make a
            complete distribution, any amount in the Allocation Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we
            receive the first Valid Claim from any Beneficiary we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax law.
On the first death of a Determining Life
              during the Accumulation Phase, if the Traditional Death Benefit is in effect your Beneficiary(s) will receive the greater of the Contract Value or Guaranteed Death Benefit Value (total Purchase Payments adjusted for withdrawals).
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, even Penalty-Free Withdrawals.
However, we do not reduce the Guaranteed Death Benefit
              Value for deductions we make for Contract fees and expenses.
Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn, and
                because the death benefit is based on the greater of Contract Value or the Guaranteed Death Benefit Value, this may
reduce the death benefit available to your
              Beneficiaries.
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.
The Traditional Death Benefit ends upon the earliest of the
            following.
•
The
                    Business Day before the Annuity Date.
•
The
                      Business Day that the Guaranteed Death Benefit Value and Contract Value are both zero.
•
Upon
                    the death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are different individuals
                    and die simultaneously.
•
Upon
                    the death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life's death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.
•
Upon
                    the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.
•
The Business Day the Contract ends.
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We base the Traditional Death Benefit on the first death of a Determining Life (or Lives). This means that upon the death of an Owner (or Annuitant if the Owner is
                    a non-individual),
if a surviving spouse continues
the Contract the Traditional Death Benefit is no longer available
.
Also, if you and the Determining Life (Lives) are different individuals and you die first, the Traditional Death Benefit is not available to your Beneficiary(s).
Death of the Owner and/or Annuitant
The Appendix A to the Form N-4 SAI includes tables that are
            intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different portions of the Contract.
Death Benefit Payment Options During the Accumulation Phase
•
For
                    Contracts without the Index Protection NY Strategy:
If you do not designate a death benefit payment option, a Beneficiary must select one of the options listed below. If no death benefit payment option
                      is selected, we default payment to Option B.
•
For Contract with the Index Protection NY Strategy:
Each Beneficiary must select one of the death benefit payment options listed below.
If a Beneficiary requests a lump sum payment under Option A, we
            pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.
Spousal Continuation:
If the Beneficiary is the deceased Owner's spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For an IRA, Roth IRA, or SEP IRA Contract, spousal
                continuation can only occur if the surviving spouse is the Contract's sole primary Beneficiary. For non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct rollover to an IRA.
Spouses
              must qualify as such under federal law to continue the Contract.
Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered
                to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the deceased Owner was a
                Determining Life and the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and
                available, and the Traditional Death Benefit ends. We allocate any Contract Value increase to the Allocation Options according to Purchase Payment default instructions. If 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
Option A:
Lump sum payment of the
              death benefit.
Option B:
Payment of the entire
              death benefit within five years of the date of any Owner's death. The Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee.
Option C:
If the Beneficiary is
              an individual, payment of the death benefit as Annuity Payments under Annuity Options 1, 2, or 5. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary's life expectancy under
              which the Beneficiary can continue to make transfers between Allocation Options and is subject to a transfer fee and the product fee.
Option C may not be available on a Qualified Contract.
Distribution from Non-Qualified Contracts must begin within one
            year of the date of the Owner's death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner's death must be distributed within five years of the date of death.
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.
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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.
Other rules may apply to Qualified Contracts, such as all
            distributions must be made to Beneficiaries by the end of the tenth year after the Owner's death, except for distributions made to certain eligible designated Beneficiaries. The available options for certain Beneficiaries of Qualified Contracts
            have changed due to the enactment of the SECURE Act at the end of 2019.
10.
Taxes
This section provides a summary explanation of the tax
            ramifications of purchasing a Contract. More detailed information about product taxation is contained in the Statement of Additional Information, which is available by calling the toll-free telephone number at the back of this prospectus.
We do not provide individual tax advice. You should contact your tax adviser to discuss this Contract's effects on your personal tax situation.
Qualified and Non-Qualified Contracts
You can purchase either a Qualified Contract or a Non-Qualified
            Contract. A Qualified Contract is purchased pursuant to a specialized provision of the Code. For example, a Contract may be purchased pursuant to Section 408 of the Code as an IRA.
Qualified Contracts are subject to certain restrictions,
            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.
Currently, we offer the following types of Qualified Contracts.
Type of Contract
Persons and Entities that can buy the Contract
IRA
Must have the same individual as Owner and Annuitant.
Roth IRA
Must have the same individual as Owner and Annuitant.
Simplified Employee Pension (SEP) IRA
Must have the same individual as Owner and Annuitant.
Certain Code Section 401 Plans
A qualified retirement plan is the Owner and the Annuitant must be an individual.
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.
If you purchase a Qualified Contract, you already receive the
            benefit of tax deferral through the qualified plan, and so you should purchase this Contract for purposes other than tax deferral.
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.
Taxation of Annuity Contracts
The Contract has the following tax characteristics.
•
Taxes
                    on earnings are deferred until you take money out. Non-Qualified Contracts owned by corporations or partnerships do not receive income tax deferral on earnings.
•
When
                    you take money out of a Non-Qualified Contract, earnings are generally subject to federal income tax and applicable state income tax. All pre-tax money distributed from Qualified Contracts are subject to federal and state income tax,
                    but qualified distributions from Roth IRA Contracts are not subject to federal income tax. This prospectus does not address specific state tax laws. You should discuss state taxation with your tax adviser.
•
Taxable distributions are subject to an ordinary income tax rate, rather than a capital gains rate.
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•
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.) Please consult a tax adviser for more information.
•
If you
                    take partial withdrawals from your Non-Qualified Contract, the withdrawals are generally taxed as though you were paid taxable earnings first, and then as a non-taxable return of Purchase Payments.
•
If you
                    annuitize your Non-Qualified Contract and receive a stream of Annuity Payments, you receive the benefit of the 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. Purchase Payments are treated as a non-taxable return of principal, whereas earnings are taxable.
•
If you
                    take partial withdrawals or annuitize a Qualified Contract, you will be responsible for determining what portion, if any, of the distribution consists of after-tax money.
•
If you
                    take out earnings before age 59
1
⁄
2
, you may be subject to a 10% additional federal tax,
                    unless you take a lifetime annuitization of your Contract or you take money out in a stream of substantially equal payments over your expected life in accordance with the requirements of the Code. If the Contract is jointly owned, we
                    send one check payable to both Joint Owners. For Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ, we tax both Joint Owner's based on the age of the older Joint Owner. For Contracts issued on or
                    after August 24, 2015 that have a number starting with AV, we tax each Joint Owner individually.
Taxing 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.
•
A
                    pledge, assignment, or ownership change of a Contract may be treated as a taxable event. You should discuss any pledge, assignment, or ownership change of a Contract with your tax adviser.
•
If you
                    purchase multiple non-qualified deferred annuity contracts from an affiliated group of companies in one calendar year, these contracts are treated as one contract for purposes of determining the tax consequences of any distribution.
•
Death
                    benefit proceeds from Non-Qualified Contracts are taxable to the beneficiary as ordinary income to the extent of any earnings. Death benefit proceeds must be paid out in accordance with the requirements of the Code.
•
Depending upon the type of Qualified Contract you own, required minimum distributions (RMDs) must be satisfied when you reach a certain age. If you enroll in our minimum distribution program, we make
                    RMD payments to you that are designed to meet this Contract's RMD requirements.
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. 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. You should consult a tax adviser to discuss the potential tax effects before making a 1035 exchange.
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11.
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. We credit gains to or
            charge losses against the Separate Account, whether or not realized, without regard to the performance of other investment accounts. The Separate Account's assets are insulated, so that the assets cannot be used to pay any of our liabilities,
            other than those arising from the investment of Contract assets in the Variable Options.
If the Separate Account's assets exceed the required reserves and
            other liabilities, we may transfer the excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life of New York.
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
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Protection Corporation. More information about ALFS is available at www.finra.org
            or by calling 1-800-289-9999. You also can obtain an investor brochure from FINRA describing its Public Disclosure Program.
We have entered into a distribution agreement with ALFS for the
            distribution of the Contracts. ALFS also may perform various administrative services on our behalf.
We may fund ALFS operating and other expenses, including:
•
overhead,
•
legal
                    fees,
•
accounting
                    fees,
•
Financial
                    Professional training,
•
compensation
                    for the ALFS management team, and
•
other expenses associated with the Contracts.
Financial Professionals and their managers may also be eligible
            for various benefits, such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with ALFS. Non-cash items include conferences, seminars and trips (including travel, lodging and meals
            in connection therewith), entertainment, awards, merchandise and other similar items.
ALFS does not itself sell the Contracts on a retail basis.
            Rather, ALFS enters into selling agreements with other broker-dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. We pay sales commissions to the selling firms and their Financial Professionals. The maximum
            commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at
            the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments.
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.
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We may also make payments for marketing and wholesaling support
            to broker-dealer affiliates of Variable Options that are available through the variable annuities we offer.
Additional information regarding marketing support payments can
            be found in the Distributor section of the Statement of Additional Information.
The Variable Options may assess a Rule 12b-1 fee. These fees are
            paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the Variable Option's plan. These fees typically equal 0.25% of a Variable Option's average daily net assets.
In certain instances, an investment adviser and/or subadviser
            (and/or their affiliates) of a Variable Option may make payments for administrative services to ALFS or its affiliates.
We offer the Contracts to the public on a continuous basis. We
            anticipate continuing to offer the Contracts but reserve the right to discontinue the offering.
Additional Credits for Certain Groups
We may credit additional amounts to a Contract instead of
            modifying charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.
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.
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12.
Information

              on Allianz Life of New York
Allianz Life of New York is a stock life insurance company
            organized under the laws of the State of New York on September 21, 1982. Our address is 1633 Broadway, 42nd Floor, New York, NY 10019-7585. Before January 1, 2003, Allianz Life of New York was known as Preferred Life Insurance Company of New
            York. We are a subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is also a stock life insurance company. Allianz Life is a subsidiary of Allianz of America, Inc. (AZOA), a financial holding company. AZOA is a
            wholly owned subsidiary of Allianz Europe, B.V., which in turn is a wholly owned subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer registered index-linked annuities and are licensed to do direct business in
            six states, including New York and the District of Columbia.
Directors, Executive Officers and Corporate Governance
BOARD OF DIRECTORS
The Board currently consists of nine members, including our Chair
            and Chief Executive Officer, our President, our Chief Financial Officer and Treasurer, our Vice President, Appointed Actuary, three independent outside board members, and two other non-independent board members. Age and positions are provided
            as of December 31, 2020, 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. 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.
Walter R. White
Chair, Director, and Chief Executive Officer
Walter R. White, age 64, joined Allianz Life in 2009, and
            currently serves as the Chair of the Board and Chief Executive Officer of Allianz Life of New York and as Chair of its Conflict of Interest and Executive Committees since January 1, 2012. Mr. White also serves as the President and Chief
            Executive Officer of Allianz Life and as a member of its Board of Directors and its Executive Committee since January 1, 2012. Mr. White also serves as a Director and President of AZOA Services Corporation and as the Chair of its Shared Plans
            Management Committee. Mr. White also serves as a Governor of Allianz Individual Insurance Group, LLC, Allianz Investment Management U.S. LLC and TruChoice Financial Group, LLC, respectively. In addition, Mr. White serves as a Director of
            Questar Capital Corporation, and Questar Agency, Inc., respectively. Mr. White is responsible for leading and overseeing Allianz Life and Allianz Life of New York and providing strategic management and direction. Mr. White previously served as
            the Chair, Chief Executive Officer and President of Allianz Life and Annuity Company from 2012 to 2017 and as a Governor of Allianz Investment Management LLC from 2017 to 2020.
Mr. White brings to the Board extensive financial services and
            brokerage experience as well as key strategic planning and leadership skills developed as the Chief Executive Officer of Allianz Life and the former President of Woodbury Financial.
Mr. White shared his plans to retire as of December 31, 2021. Mr.
            White will be stepping down as Chair of the Board, Director, and Chief Executive Officer of Allianz Life of New York as well as President and Chief Executive Officer of Allianz Life on September 1, 2021, and will be replaced by Jasmine M.
            Jirele, Senior Vice President, Chief Growth Officer of Allianz Life, subject to standard regulatory filings. After his retirement, Mr. White will be nominated to continue to serve as a member of the Allianz Life Board of Directors.
William E. Gaumond
Director, Chief Financial Officer and Treasurer
William E. Gaumond, age 47, currently serves as the Chief
            Financial Officer and Treasurer, and as a member of the Board of Directors of Allianz Life of New York since January 1, 2016. Mr. Gaumond also serves as Chair of its Finance Committee and as a member of its Executive Committee. Mr. Gaumond
            joined Allianz Life in 2004 and currently serves as the Senior Vice President, Chief Financial Officer and Treasurer, and as a member of its Board of Directors.
Mr. Gaumond also serves as the Chief Financial Officer and
            Treasurer of Allianz Foundation for North America, and as a Governor of TruChoice Financial Group, LLC, Allianz Life Financial Services, LLC and Allianz Investment Management U.S. LLC, respectively. Mr. Gaumond also serves as a Director and
            President of Allianz Fund Investments, Inc., AZL PF Investments, Inc., Dresdner Kleinwort Pfandbriefe Investments II, Inc. and PFP Holdings, Inc., respectively. Mr. Gaumond
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is also a Director of Questar Agency, Inc., Questar Asset Management, Inc.,
            Questar Capital Corporation, Yorktown Financial Companies, Inc., Allianz of America, Inc., Allianz Real Estate of America LLC, and Allianz Technology of America, Inc., respectively. Mr. Gaumond is also a Director and the Senior Vice President
            of AZOA Services Corporation. Mr. Gaumond also serves as a Director and the Chief Financial Officer and Treasurer of Allianz Finance Corporation. Mr. Gaumond is responsible for all finance and risk management functions, with oversight of the
            controller, financial planning, treasury, and corporate risk management areas. Prior to his current roles, Mr. Gaumond spent 12 years in a number of finance and investment-related positions at Allianz Life and its affiliates in various
            executive capacities.
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 48, joined Allianz Life of New York on April
            1, 2019, and currently serves as the President and as a member of the Board of Directors. Mr. Thomes also serves as the Senior Vice President, Chief Distribution Officer of Allianz Life. Mr. Thomes also serves as a Governor, and as the Chief
            Executive Officer and Chief Manager of Allianz Life Financial Services, LLC. Mr. Thomes also serves as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC, respectively. Mr. Thomes also serves as the Chair
            and as a Director of Yorktown Financial Companies, Inc., Questar Agency, Inc., Questar Asset Management, Inc., and Questar Capital Corporation, respectively. Mr. Thomes is responsible for the development, design and implementation of Allianz
            Life's and Allianz Life of New York's sales and distribution strategies. Prior to his current roles, Mr. Thomes served as the Field Senior Vice President, FMO Sales from 2009 to 2019. He also served as the President of Allianz Individual
            Insurance Group, LLC from 2005 to 2018.
Mr. Thomes brings to the Board extensive financial services and
            insurance industry experience.
Steven J. Thiel
Director and Vice President, Appointed Actuary
Steven J. Thiel, age 50, joined Allianz Life of New York's Board
            of Directors on November 13, 2012 and is the Vice President, Appointed Actuary and is also a member of its Finance Committee. Mr. Thiel also serves as the Vice President, Actuarial Financial Reporting and Analysis of Allianz Life. Mr. Thiel is
            a Director and the President and Chief Executive Officer of Allianz Life Insurance Company of Missouri. Mr. Thiel joined Allianz Life in 2008. Mr. Thiel previously served as the Appointed Actuary of Allianz Life and Annuity Company from 2012 to
            2017 and as a Director and the President and Chief Executive Officer of Allianz Annuity Company of Missouri from 2012 to 2019. Mr. Thiel leads a team responsible for accurate and timely reporting of the actuarial balances for Allianz Life and
            Allianz Life of New York. He is accountable for analyzing aspects of the Company's financial performance and delivering key projects that drive financial strength and stability.
Mr. Thiel brings to the Board extensive experience in actuarial
            and financial performance matters.
Ronald M. Clark
Director
Ronald M. Clark, age 73, joined Allianz Life of New York's Board
            of Directors on March 31, 2013, and is a member of its Audit and Evaluation Committee and its Finance Committee. Mr. Clark also serves as a Director and Audit Committee member of Allianz Reinsurance America, Inc. Mr. Clark also serves as a
            Director of Manitex International, Inc., 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.
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Martha Clark Goss
Director
Martha Clark Goss, age 71, 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 35 years of executive experience, primarily in finance and investments
            and risk management. Since 1992, she has served on a number of public and private company boards, has provided independent consulting services to various companies and serves as an instructor for executive leadership training for Deloitte LLP.
            Ms. Goss currently serves as a director of American Water Works Company, Inc. and Neuberger Berman Mutual Funds. Ms. Goss brings to the Board extensive experience in the financial services industry as well as expertise on corporate governance
            and risk management matters. The Board also benefits from her perspective as a current and former director of other companies.
Lorraine Lods
Director
Lorraine Lods, age 52, joined Allianz Life of New York's Board of
            Directors on October 1, 2018. Ms. Lods has over 25 years of insurance and financial service experience. Ms. Lods currently serves as Regional Vice President of Retirement Consultant for Allianz Life Financial Services, LLC covering the New York
            City-Long Island Territory since 2009. Ms. Lods brings to the Board extensive experience in the insurance industry as well as extensive experience in wholesaling.
Gary A. Smith
Director
Gary A. Smith, age 61, joined Allianz Life of New York's Board of
            Directors on May 10, 2005. Mr. Smith is Co-Founder and Senior Partner of Ivy Planning Group (Ivy), a 30-year-old management consulting and training company specializing in strategy, diversity, leadership and change management. Mr. Smith has
            over 30 years of experience in strategy, technology, management consulting and executive coaching to large private sector companies and government organizations. Mr. Smith has successfully developed and implemented strategies, led teams, and
            served the needs of a wide spectrum of clients, sharing best practices in management consulting in multiple venues. Mr. Smith brings to the Board extensive experience in management consulting and diversity initiatives.
Kevin E. Walker
Director
Kevin E. Walker, age 58, joined Allianz Life of New York's Board
            of Directors on October 1, 2018, and is a member of its Audit and Evaluation Committee and its Executive Committee. Mr. Walker also serves on Allianz Life's Board of Directors since May 23, 2017, and is a member of its Audit Committee and the
            Chair of its Nomination, Evaluation and Compensation Committee. Mr. Walker serves as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee since January 1, 2017. Mr. Walker has over 30 years of
            insurance and financial services experience. Mr. Walker served at various Allianz affiliates throughout his career, most recently as the President and Chief Executive Officer of Allianz Reinsurance America, Inc. from 2015 to 2016. Mr. Walker
            has also served as a director and officer for several other Allianz affiliates.
Mr. Walker brings to the Board extensive experience in the
            insurance industry, as well as extensive experience in finance and operations.
EXECUTIVE OFFICERS
The current executive officers (other than Messrs. White,
            Gaumond, Thiel and Thomes) are as follows. Age and positions are provided as of December 31, 2020, except as otherwise noted.
Gretchen Cepek
Chief Legal Officer and Secretary
Gretchen Cepek, age 52, 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. In this role, Ms. Cepek is responsible for the legal, ethics and compliance departments as well as government
            relations and the special investigations unit. Ms. Cepek also serves as the Senior Vice President, General Counsel and Secretary of Allianz Life and as the General Counsel and Secretary of AZOA Services Corporation. Previously, Ms. Cepek served
            as the Secretary for Allianz Life and Annuity Company from 2012 to 2017. Ms. Cepek received her J.D. from Valparaiso University School of Law in 1993.
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Todd M. Hedtke
Chief Investment Officer
Todd M. Hedtke, age 48, joined Allianz Life of New York in 2012
            and currently serves as the Chief Investment Officer since August 21, 2015. He also currently serves as the Senior Vice President, Chief Investment Officer of Allianz Life. Mr. Hedtke also serves as a Governor and Chief Executive Officer of
            Allianz Investment Management LLC and Allianz Investment Management U.S. LLC, and as the Chief Investment Officer of Allianz Life Insurance Company of Missouri, respectively. Mr. Hedtke is a Director and President of Allianz Finance
            Corporation, and a Director, Vice President and Treasurer of Allianz Fund Investments Inc., AZL PF Investments Inc., and Dresdner Kleinwort Pfandbriefe Investments II Inc., respectively. Mr. Hedtke also serves as the Chair of the Benefit Plans
            Investment Committee for AZOA Services Corporation. Mr. Hedtke leads the investment management, liquidity planning, hedging, and trading functions at Allianz Life. Mr. Hedtke is also a member of the global Allianz Investment Management Board,
            which serves the Allianz Group of insurance companies. Prior to his current roles, Mr. Hedtke spent 15 years in a number of investment-related positions at Allianz Life and its affiliates, including as a Director and the Chief Investment
            Officer of Allianz Life and Annuity Company from 2015 to 2017 and as the Chief Investment Officer of Allianz Annuity Company of Missouri from 2015 to 2019, respectively.
Jasmine M. Jirele
Jasmine M. Jirele, age 43, joined Allianz Life in 2018 and
            currently serves as the Senior Vice President, Chief Growth Officer of Allianz Life since October 1, 2018. Ms. Jirele leads strategy, new markets, global business development, product innovation, marketing, digital and experience management,
            Allianz Ventures, strategic communication and sponsorships, and enterprise agile for Allianz Life. Previously, Ms. Jirele was an executive vice president within Wells Fargo's Consumer Bank division, and was previously a senior vice president in
            Wells Fargo's Wealth and Investment Management division. Prior to that, Ms. Jirele spent nine years at Allianz Life as the Senior Vice President of Enterprise Operations from 2012 to 2015, Vice President of Market Management and Product
            Innovation from 2009 to 2012, Director of Executive Projects from 2007 to 2009, and Director of Marketing/Communications from 2006 to 2007, respectively.
On September 1, 2021, Ms. Jirele will be Chair and member of the
            Board, and Chief Executive Officer of Allianz Life of New York as well as a member of the Board, and President and Chief Executive Officer of Allianz Life, subject to standard regulatory filings.
Catherine A. Mahone
Chief Administrative Officer
Catherine A. Mahone, age 56, joined Allianz Life of New York on
            April 9, 2013 and currently serves as the Chief Administrative Officer. Ms. Mahone also serves as the Senior Vice President, Chief Administrative Officer of Allianz Life, and as a Governor of Allianz Life Financial Services, LLC. Ms. Mahone is
            responsible for the oversight of enterprise operations, information technology, and other strategic business initiatives. Previously, Ms. Mahone served as the Senior Vice President, Enterprise Operations of Allianz Life from 2008 to 2012, and
            as a Director of Allianz Technology of America, Inc. from 2013 to 2015.
Neil H. McKay
Chief Actuary
Neil H. McKay, age 59, joined Allianz Life of New York in 1999
            and currently serves as the Chief Actuary since April 8, 2014. Mr. McKay also currently serves as the Senior Vice President, Chief Actuary of Allianz Life. Previously, Mr. McKay served as a Director and Chief Actuary of Allianz Life and Annuity
            Company from 2007 to 2017. Mr. McKay is responsible for all of the actuarial functions of Allianz Life of New York and Allianz Life, including the actuarial assumptions underlying its products and the rate setting associated with existing and
            new products.
CORPORATE GOVERNANCE
Committees of the Board
The Executive Committee of the Board ("Executive Committee") is
            currently composed of Messrs. White (Chair), 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 2020, but did act once by written action.
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
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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 2020.
The Conflict of Interest Committee of the Board is currently
            composed of Mr. White (Chair), Ms. Cepek, and Ms. Goss (who replaced Mr. Herbert as a member as of April 10, 2019). 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 2020.
The Finance Committee of the Board is currently composed of
            Messrs. Gaumond (Chair), Clark and Thiel. The Finance Committee is responsible for exercising all the powers of the Board of Directors with respect to the investments of the funds of Allianz Life of New York. The Finance Committee met two times
            in 2020, and acted three times by written action.
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 2020, the Board of Directors has determined that (1) 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, 2020 is set forth below and hereafter referred to as the "Allocation Percentages." For 2020, our NEOs were:
Name
(1)
Title
Allocation Percentages
Walter R. White
Chair and Chief Executive Officer
5.00%
William E. Gaumond
Chief Financial Officer and Treasurer
5.00%
(1)
Our
                    three most highly paid executive officers other than our principal executive officer and principal financial officer are not included as NEOs for 2020 because their total compensation allocable to Allianz Life of New York did not exceed
                    the $100,00 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
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to Allianz Life of New York with respect to our NY Principal Officers. Allianz
            Life's compensation programs are intended to align our NEOs' interests with those of our ultimate stockholder, Allianz SE, the ultimate parent company of Allianz Life and Allianz Life of New York. Allianz Life's compensation programs are
            designed to reward performance that meets or exceeds the goals established by the Compensation Committee, a management committee of Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with
            Allianz Life's compensation philosophy described below, the total compensation received by our NEOs will vary based on individual and corporate performance in light of annual and long-term performance goals. Our NEOs' total compensation is
            composed of a mix of annual base salary, annual cash awards based on corporate objectives and executive performance factors and long-term equity incentive awards in the form of restricted stock units of the equity securities of Allianz SE.
Compensation Philosophy
              and Strategy
Overview
The overriding goal of Allianz Life's executive compensation
            programs is to attract, retain and motivate top-performing executive officers who will dedicate themselves to long-term financial and operational success. To this end, Allianz Life has structured the executive compensation programs to foster a
            pay-for-performance management culture by:
•
providing
                    total compensation opportunities that are competitive with the levels of total compensation available at the large diversified financial services companies with which Allianz Life most directly competes in the marketplace;
•
setting
                    performance metrics and objectives for variable compensation arrangements that reward executives for attaining both annual targets and long-term business objectives, thereby providing individual executives with the opportunity to earn
                    above-average compensation by achieving above-average results;
•
establishing
                    equity-based arrangements that align executives' financial interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success of its affiliates; and
•
structuring compensation packages and outcomes to foster internal pay equity.
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Compensation Components
To support this pay-for-performance strategy, Allianz Life's
            total compensation program provides a mix of compensation components that bases the majority of each executive's compensation on their success and on an assessment of each executive's overall contribution to that success.
Compensation Element
Description
Objective
Base Salary
Fixed rate of pay that compensates employees for fulfilling their basic job responsibilities. For NEOs, increases are
                    generally provided in the case of a significant increase in responsibilities or a significant discrepancy versus the market.
Attract and retain high-caliber leadership.
Annual Incentive Plan
Incentive compensation that promotes and rewards the achievement of annual performance objectives through awards under the
                    Allianz Life Annual Incentive Plan ("AIP").
• Link compensation to annual performance results.
• Attract and motivate high-caliber leadership.
• Align the interests of NEOs and our stockholder.
Performance-Based Equity Incentives
Incentive compensation through restricted stock unit awards made under the Allianz Equity Incentive Plan ("AEI") that promotes
                    and rewards the achievement of long term performance objectives.
• Retain high-caliber leadership with multi-year vesting.
• Align the interests of NEOs and our stockholder.
Severance Arrangements
Severance payments to employees, including NEOs, under certain company-initiated termination events.
Compensate employees for situations where the employee's employment is involuntarily terminated in a qualifying termination of employment.
Perquisites-Benefits
Perquisites provided to our NEOs include employer matching contributions to the NEOs' accounts in the 401(k)
                    plan and may also include the payment of life insurance premiums, relocation reimbursements, and reimbursements for financial planning, tax preparation services, and spousal travel expenses.
Provide market competitive total compensation package.
In addition, Allianz Life offers all employees, including our
            NEOs, broad-based benefits, including comprehensive medical, dental and vision insurance, group term life insurance and participation in a 401(k) plan.
How Compensation Decisions
              Are Made
Role of the Board of Directors and Compensation Committee
The framework governing the executive compensation policies for
            Allianz Life, which directly compensates the executives of Allianz Life of New York, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of Allianz Life. Decisions
            affecting the compensation of the Chief Executive Officer are outside the scope of the Allianz Life Compensation Committee. Any such decisions are made by Allianz SE, subject to review by the Nomination, Evaluation and Compensation Committee of
            the Allianz Life Board of Directors (the "NEC Committee"), and final approval by Allianz Life's Board of Directors. With respect to the compensation of other "principal officers" selected by the Board for purposes of the duties of the NEC
            Committee under Minn. Stat. § 60D.20, subd. 3(d), the Compensation Committee's decisions are similarly subject to review by the NEC Committee and final approval by Allianz Life's Board. The "principal officers" include the Chief Executive
            Officer, Chief Financial Officer, and General Counsel. Allianz Life's Board has delegated the following responsibilities to the Compensation Committee:
•
In
                    general, establish the compensation philosophy and strategy of Allianz Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the principles of
                    ensuring that leadership is compensated effectively in a manner consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any applicable
                    regulatory bodies in order to attract and retain high-quality leadership. This responsibility includes periodic review of Allianz Life's compensation programs to pursue certain goals, with the expectation that changes will be made
                    periodically to ensure these goals are attained.
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•
Review
                    and approve the establishment of, or material modification to, any executive incentive compensation plans or programs for Allianz Life.
•
Review
                    and approve any special benefits or perquisites in effect for, or offered to, any prospective, current or former Allianz Life employee, regardless of the employee's level or assignment within Allianz Life. Such benefits and perquisites
                    are those that are unusual or different from the benefits offered to all similarly-situated employees.
•
Review
                    and approve any employment agreements proposed to be made with any prospective or current employee of Allianz Life.
•
Review
                    and approve any individual severance agreement with any Allianz Life officer. This does not include an arrangement where the employee receives severance or incentive payments under existing terms of a broad-based benefit or compensation
                    plan.
•
Oversee Allianz Life's compliance with regulations with respect to compensation matters and adopt and monitor adherence to global and local process requirements and timelines, including those required
                    under the Corporate Rules (as defined under the Allianz Life Standard for Corporate Rules) mandated by Allianz SE.
The Compensation Committee will at all times be composed of at
            least three members who are appointed by the full Board of Directors of Allianz Life. The Compensation Committee currently consists of the following members: the Chair of the Board, the Chief Executive Officer, and the Chief Human Resources
            Officer. The Compensation Committee also utilizes internal personnel to provide advice to the Compensation Committee regarding market trends in compensation policies at competing companies and on a more macro level.
Following its review and decision, the Compensation Committee
            produces and submits a report on executive compensation to Allianz Life's Board of Directors at its request. With respect to the compensation of "principal officers" selected by Allianz Life's Board for purposes of the duties of the NEC
            Committee under Minnesota Statutes § 60D.20, subd. 3(d), the Compensation Committee produces and submits a report on executive compensation proposed for the designated "principal officers" to the NEC Committee for its review and recommendation
            to Allianz Life's Board for final approval.
Role of the Chief Executive Officer
Our Chief Executive Officer assists the Compensation Committee in
            its review of the total compensation of all the NEOs except himself. He provides the Compensation Committee with his assessment of their performances relative to the corporate and individual goals and other expectations set for them for the
            preceding year. He then provides his recommendations for each NEO's total compensation and the appropriate goals for each in the year to come. However, the Compensation Committee is not bound by his recommendations.
Role of Allianz Life's Human Resources
Allianz Life's Human Resources supports the Compensation
            Committee on executive compensation matters by being responsible for many of the organizational and administrative tasks that underlie the compensation review and determination process and making presentations on various topics. Allianz Life's
            Human Resources efforts include, among other things:
•
evaluating
                    the compensation data from industry groups, national executive pay surveys, and other sources for the NEOs and other executive officers as appropriate;
•
gathering
                    and correlating performance ratings and reviews for individual executive officers, including the NEOs;
•
reviewing
                    executive compensation recommendations against appropriate market data and for internal consistency and equity; and
•
reporting to, and answering requests for information from, the Compensation Committee.
Allianz Life's Human Resources officers also coordinate and share
            information with their counterparts at Allianz SE.
Use of Competitive
              Compensation Data
Because Allianz Life competes most directly for executive talent
            with other large diversified financial services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides compensation
            opportunities that compare favorably with the levels of total compensation offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life relies
            primarily on external market surveys of corporate compensation and
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benefits published by various national compensation consulting firms, especially
            salary surveys focusing on insurance companies. In addition, other factors taken into account include the average revenues and number of employees of companies that participate in such surveys.
All these information sources are employed to measure and compare
            actual pay levels not only on an aggregate, total compensation basis, but also to break down the total compensation program component by component to review and compare specific compensation elements as well as the particular mixes of fixed
            versus variable, short-term versus long-term, and cash versus equity-based compensation at the surveyed companies. This information, as collected and reviewed by Allianz Life's Human Resources, is submitted to the Compensation Committee for
            review and discussion.
Internal Pay Equity Analysis
Allianz Life's compensation programs are designed with the goal
            of providing compensation to our NEOs that is fair, reasonable, and competitive. To achieve this goal, Allianz Life believes it is important to compare compensation paid to each NEO not only with compensation paid by the surveyed companies, as
            discussed above, but also with compensation paid to each of our other NEOs. Such an internal comparison is important to ensure that compensation is equitable among our NEOs.
Components of Total
              Compensation For Our NEOs
Allianz Life provides total compensation to our NEOs that
            consists of several components. These components include the three components of the total compensation program (i.e., base salary, annual incentives, and equity) as well as: (i) retirement, health, and other benefit programs; (ii) severance
            benefits; and (iii) perquisites.
Base Salary
Allianz Life's philosophy is to make base salary a relatively
            small portion of the overall compensation package for our NEOs, which Allianz Life believes is common in the industry in which we operate. The amount of the base salary awarded to NEOs is based on the position held, the NEO's tenure, the scope
            of the position's responsibilities, and the NEO's own performance, all of which are reviewed with the aid of market survey data. Using this data, Allianz Life maintains a 50th percentile pricing philosophy, comparing base salaries against the
            median for comparable salaries at surveyed companies, unless exceptional conditions require otherwise.
With respect to the base salary of our Chief Executive Officer,
            the Chair of the Board considered the Chief Executive Officer's experience, performance, and contribution to overall corporate performance when determining his base salary for 2020 for recommendation to the NEC Committee. Base salaries for our
            other NEOs for 2020 were also set by the Compensation Committee based upon each NEO's individual experience and contribution to the overall performance of Allianz Life, and subject to Allianz SE Compensation Committee reviews and, with respect
            to the base salaries of "principal officers" selected by Allianz Life's Board of Directors for purposes of the duties of the NEC Committee under Minnesota Statutes § 60D.20, subd. 3(d), subject to NEC Committee review and recommendation to
            Allianz Life's Board for final approval.
AIP
Allianz Life offers annual cash bonuses to certain executive
            officers under the AIP. The AIP is designed to improve performance and profitability by motivating employees to accomplish organizational objectives and financial goals. Bonus awards that may be paid pursuant to the AIP are within the sole
            discretion of the Compensation Committee, and with respect to our CEO, the Chair of the Board, and are intended to:
•
reward
                    the performance of participants who have made significant contributions to the achievement of annual goals and objectives;
•
provide
                    an incentive that will encourage future superior individual performance; and
•
encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success of Allianz Life.
Following the performance year, the Compensation Committee
            approved a specific amount of cash awards to be made pursuant to the AIP to executive officers, including our NEOs, for the 2020 performance year. The amount determined to be available for such awards was at the discretion of the Compensation
            Committee and was dependent upon many factors as outlined previously, including, but not limited to, current financial performance and contributions of our NEOs in achieving performance objectives, and with respect to the awards to the
            "principal officers" selected by Allianz Life's Board for purposes of the duties of the NEC Committee under Minnesota Statutes § 60D.20, subd. 3(d), subject to NEC Committee review and recommendation to Allianz Life's Board for final approval.
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AEI
The AEI is (a) one part of the variable compensation component
            for certain individuals within designated classes of employees at Allianz Life or (b) offered by Allianz Life to select senior employees as an additional part of their variable compensation on a case by case basis. The AEI is granted in the
            form of restricted stock units of Allianz SE ("RSUs"). The award of RSU's are intended to:
•
reward
                    the performance of participants who have made significant contributions to the achievement of their company's annual goals and objectives,
•
provide
                    an incentive that will encourage future superior individual performance, and
•
encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success Allianz.
Awards made pursuant to the AEI are based upon both the
            performance of Allianz Life and Allianz Life of New York and the performance of the NEO. The Compensation Committee (and, with respect to those NEOs that are "principal officers" for purposes of the NEC Committee's duties, the NEC Committee
            with final approval of Allianz Life's Board of Directors) reviewed the performance of our NEOs following the end of our 2020 fiscal year relative to the AEI allocation amount.
Benefit Perquisites
Allianz Life provides our NEOs with certain limited perquisites.
            All of our employees, including our NEOs, may participate in the qualified 401(k) plan. Allianz Life and Allianz Life of New York generally provide our executive officers, including our NEOs, with a matching contribution up to $21,375 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 2020 are included in the column entitled "All Other Compensation" in the Summary Compensation Table included in this section.
Severance Arrangements
Allianz Life has entered into an Executive Severance Agreement
            with our Chair, Director, and Chief Executive Officer, Walter R. White, which is described in the "Allianz Life Executive Severance Agreement" discussion later in this section. We have not entered into any other specific severance agreements
            with any of our NEOs.
The remainder of our NEOs are eligible for severance payments
            under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the plan.
Other than the Executive Severance Plan, which is described later
            in this section, our NEOs (except for Walter R. White) are not eligible for severance payments. Certain of our executive officers receive offer letters which set forth the terms relating to base salary, sign-on incentives, and equity
            compensation. However, Allianz Life does not view these offer letters as employment agreements as each offer letter states that employment with Allianz Life is "at will."
Other Compensation
              Policies
Tax and Accounting Implications
Stock-Based Compensation
.
            Stock-based compensation, comprised of Allianz SE restricted stock units (RSUs) granted pursuant to the AEI, are accounted for in accordance with the requirements of Financial Accounting Standards Board Accounting Standards Codification ("FASB
            ASC") Topic 718. The fair value of the RSUs at grant is the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on that day and the nine immediately
            preceding trading days, less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of payout restrictions deriving from the vesting period and the payout cap.
Recently Discontinued Compensation Programs
The purpose of the ALTPUP was to advance the interests of Allianz
            Life, including Allianz Life of New York, and our indirect stockholder. The ALTPUP sought to accomplish this purpose by providing an incentive in addition to current compensation to certain individuals within designated classes of employees of
            Allianz Life who contribute significantly to their company's long-term performance. Such incentive was in the form of Long-Term Performance Units ("ALTPUP Units"), which were contingent awards, subject to the terms, conditions, and restrictions
            described in the ALTPUP and the Award Agreement under which such awards were made, by which participants in the ALTPUP may have become entitled to receive cash on the payment date for redemption of the ALTPUP Units valued on the valuation date.
            The award of
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ALTPUP Units was discretionary. In March 2020, the Group Compensation Committee
            determined all Allianz entities would move forward with the Allianz SE long term incentive program or AEI. As a result, the ALTPUP program has been discontinued and provided a final grant in March 2020 for 2019 performance.
Our Chief Executive Officer received cash awards pursuant to the
            terms of the Allianz SE Mid-Term Bonus Plan instead of the ALTPUP. Like the ALTPUP, the Mid-Term Bonus Plan has been discontinued, so the award with respect to 2019 performance was the final award made under the Mid-Term Bonus Plan.
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Summary Compensation Table
The following table sets forth the compensation paid by Allianz
            Life for the year ended December 31, 2020 to our NEOs. The executive compensation information in this prospectus is shown for a one-year period, in accordance with Regulation S-K Item 402, Instruction 1 to Item 402(c).
Name and Principal
Position
(a)
Year
(b)
Salary
(c)
Bonus
(d)
Stock
Awards
(e)
(1)
Option
Awards
(f)
Non-Equity
Incentive Plan Compensation
(g)
Change in
Pension Value
and
Nonqualified
Deferred
Compensation Earnings
(h)
All Other
Compensation
(i)
(2)
Total
(j)
Name and Principal
Position
(a)
Year
(b)
Salary
(c)
Bonus
(d)
Stock
Awards
(e)
(1)
Option
Awards
(f)
Non-Equity
Incentive Plan Compensation
(g)
Change in
Pension Value
and
Nonqualified
Deferred
Compensation Earnings
(h)
All Other
Compensation
(i)
(2)
Total
(j)
Name and Principal
Position
(a)
Year
(b)
Salary
(c)
Bonus
(d)
Stock
Awards
(e)
(1)
Option
Awards
(f)
Non-Equity
Incentive Plan Compensation
(g)
Change in
Pension Value
and
Nonqualified
Deferred
Compensation Earnings
(h)
All Other
Compensation
(i)
(2)
Total
(j)
Walter R. White
Chair and Chief Executive Officer
2020
$43,255
N/A
$79,689
N/A
$53,126
N/A
$1,386
$177,456
Walter R. White
Chair and Chief Executive Officer
2020
$43,255
N/A
$79,689
N/A
$53,126
N/A
$1,386
$177,456
Walter R. White
Chair and Chief Executive Officer
2020
$43,255
N/A
$79,689
N/A
$53,126
N/A
$1,386
$177,456
William E. Gaumond
Chief Financial Officer and Treasurer
2020
$23,444
N/A
$ 24,112
N/A
$16,075
N/A
$1,315
$ 64,946
William E. Gaumond
Chief Financial Officer and Treasurer
2020
$23,444
N/A
$ 24,112
N/A
$16,075
N/A
$1,315
$ 64,946
William E. Gaumond
Chief Financial Officer and Treasurer
2020
$23,444
N/A
$ 24,112
N/A
$16,075
N/A
$1,315
$ 64,946
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(1)
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 2021 for the 2020 performance year have a March 2025 exercise date. The grant price of the RSUs was the
                    arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on the date of grant and the nine immediately preceding trading days, less the present value of
                    dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of the payout restrictions deriving from the vesting period and the payout cap. These numbers show the amount realized for financial
                    reporting purposes as calculated in accordance with the FASB ASC Topic 718. Under FASB ASC Topic 718, the grant date fair value is calculated using the closing market price of the common stock of Allianz SE on the date of grant, which
                    is then recognized over the requisite service period of the award.
(2)
The following table provides additional details regarding compensation found in the "All Other Compensation" column.
Name
Year
Spousal
Travel
(3)
Milestone/
Anniversary/
Recognition
(4)
Life Insurance
Premiums
Employer Match
to 401(k) Plan
ASAAP
Contribution
(4)
Total
Name
Year
Spousal
Travel
(3)
Milestone/
Anniversary/
Recognition
(4)
Life Insurance
Premiums
Employer Match
to 401(k) Plan
ASAAP
Contribution
(4)
Total
Name
Year
Spousal
Travel
(3)
Milestone/
Anniversary/
Recognition
(4)
Life Insurance
Premiums
Employer Match
to 401(k) Plan
ASAAP
Contribution
(4)
Total
Walter R. White
2020
$ 272
--
$ 46
$1,069
--
$1,386
Walter R. White
2020
$ 272
--
$ 46
$1,069
--
$1,386
Walter R. White
2020
$ 272
--
$ 46
$1,069
--
$1,386
William E. Gaumond
2020
$ 213
--
$ 33
$ 975
$ 94
$1,315
William E. Gaumond
2020
$ 213
--
$ 33
$ 975
$ 94
$1,315
William E. Gaumond
2020
$ 213
--
$ 33
$ 975
$ 94
$1,315
(3)
Represents
                    reimbursement or payments made to defray the costs of a spouse's travel.
(4)
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, 2020, 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)
Estimated Future Payouts Under Non-Equity Incentive Plan Awards
(1)
Estimated Future Payouts Under Equity Incentive Plan Awards
(2)
Name
(a)
Grant Date
(b)
Estimated  Future  Payouts  Under  Non-Equity  Incentive  Plan  Awards
(1)
Estimated  Future  Payouts  Under Equity  Incentive  Plan  Awards
(2)
Threshold ($)
(c)
Target ($)
(d)
Maximum ($)
(e)
Threshold ($)
(f)
Target ($)
(g)
Maximum ($)
(h)
Threshold ($)
(c)
Target ($)
(d)
Maximum ($)
(e)
Threshold ($)
(f)
Target ($)
(g)
Maximum ($)
(h)
Threshold ($)
(c)
Target ($)
(d)
Maximum ($)
(e)
Threshold ($)
(f)
Target ($)
(g)
Maximum ($)
(h)
Walter R. White
3/5/2021
Walter R. White
3/5/2021
Walter R. White
3/5/2021
RSUs (under AEI)
$ 0
$77,859
$385,402
RSUs (under AEI)
$ 0
$77,859
$385,402
RSUs (under AEI)
$ 0
$77,859
$385,402
AIP Award
$ 0
$51,906
$85,645
AIP Award
$ 0
$51,906
$85,645
AIP Award
$ 0
$51,906
$85,645
William E. Gaumond
3/5/2021
William E. Gaumond
3/5/2021
William E. Gaumond
3/5/2021
RSUs (under AEI)
$ 0
$25,320
$125,333
RSUs (under AEI)
$ 0
$25,320
$125,333
RSUs (under AEI)
$ 0
$25,320
$125,333
AIP Award
$ 0
$16,880
$33,760
AIP Award
$ 0
$16,880
$33,760
AIP Award
$ 0
$16,880
$33,760
(1)
The
                    target and maximum columns show the target award and maximum award for 2020 for each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2020 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, 2020" for disclosure regarding the number of RSUs that are unvested as of December 31, 2020.
(3)
The target and maximum columns show the target award and maximum award for 2020 for each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2020 awards granted to
                    the NEOs are listed in the Stock Awards column of the Summary Compensation Table.
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Outstanding Equity Awards
              at December 31, 2020
The following table sets forth the outstanding equity awards at
            the December 31, 2020 fiscal year-end. The table shows RSUs granted pursuant to the AEI, based on the Allocation Percentage assigned to each NEO.
Name
(a)
RSUs
RSUs
Walter R. White
N/A
N/A
Walter R. White
N/A
N/A
Walter R. White
N/A
N/A
408.050
$99,295
408.050
$99,295
408.050
$99,295
351.500
$85,534
351.500
$85,534
351.500
$85,534
261.950
$63,743
261.950
$63,743
261.950
$63,743
304.850
$74,182
304.850
$74,182
304.850
$74,182
William E. Gaumond
N/A
N/A
William E. Gaumond
N/A
N/A
William E. Gaumond
N/A
N/A
72.600
$17,666
72.600
$17,666
72.600
$17,666
101.950
$24,809
101.950
$24,809
101.950
$24,809
76.900
$18,713
76.900
$18,713
76.900
$18,713
97.400
$23,701
97.400
$23,701
97.400
$23,701
(1)
Represents
                    unvested RSUs issued pursuant to the AEI. RSUs issued under the AEI during 2020 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 2021, the RSUs listed on the second line will exercise in 2022, the RSUs listed on the third line will exercise in 2023, and the RSUs listed on the fourth line
                    will exercise in 2024.
(3)
Based on an assumed stock price of $243.34 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, 2020 and the nine immediately preceding trading days, converted from Euros into U.S. dollars.
Allianz SE Option
              Exercises and Stock Grants Vested in 2020
The following table summarizes the value received from Allianz SE
            stock grants vested during the year ended December 31, 2020, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.
Name
Stock Awards
Stock Awards
Walter R. White
504.850
112,954
Walter R. White
504.850
112,954
Walter R. White
504.850
112,954
William E. Gaumond
36.050
8,066
William E. Gaumond
36.050
8,066
William E. Gaumond
36.050
8,066
(1)
Represents
                    Allianz SE RSUs that were exercised during 2020 pursuant to the AEI. Amounts realized were paid in cash.
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Allianz Life Executive
              Severance Agreement
Allianz Life has entered into an Executive Severance Agreement
            with its Chief Executive Officer, Walter R. White, with an expiration date of December 31, 2021. The severance arrangements for Mr. White as Chair and Chief Executive Officer of Allianz Life of New York are prescribed by the Executive Severance
            Agreement.
Pursuant to the Executive Severance Agreement, Mr. White is
            entitled to a lump sum cash payment of $86,510 upon separation based on the allocated percentage of compensation charged to Allianz Life of New York upon separation in the event he is terminated without "cause", which is defined as engaging in
            conduct detrimental to the best interests of the Company (including, but not limited to, certain specified acts such as commission of a felony, theft, dishonesty, fraud or embezzlement) in the Executive Severance Agreement. In addition,
            pursuant to the Executive Severance Agreement, Mr. White is also bound by other restrictive covenants, including covenants relating to confidentiality and non-disparagement. Mr. White would also be entitled to continuation of medical and dental
            coverage at the employee premium rates for a period of 18 months following termination if Mr. White timely elects continuation and pays the required premiums.
The remainder of our NEOs are eligible for severance payments
            under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the applicable plan. The terms of this plan are set forth below.
Executive Severance Plan
Executive officers who have the title of Senior Vice President or
            above and report directly to a senior executive officer at a specific level are eligible to receive severance benefits under the Executive Severance Plan if they experience a qualifying termination of employment, meaning an involuntary
            termination for any reason other than for "cause" with no offer of an equivalent position, and otherwise satisfy the conditions set forth in the plan. The purpose of the Executive Severance Plan is to provide severance benefits to executive
            officers whose employment is involuntarily terminated in a qualifying termination of employment in order to assist with job transition. Pursuant to the Executive Severance Plan, eligible executive officers who are involuntarily terminated in a
            qualifying termination of employment will receive a lump sum cash payment equal to one and one-half times their "annual base pay" in effect at the time of termination. Annual base pay, for purposes of this agreement, equals base salary and
            excludes special payments, such as bonuses, expense reimbursements, living, or other allowances. Eligible executive officers would also be entitled to continuation of medical and dental coverage at employee premium rates for a period of 18
            months following termination, if the executive officer timely elects continuation coverage and pays the required premiums.
The following table shows the portion of the lump sum payments
            that would have been allocated to Allianz Life of New York based on each NEO's Allocation Percentage and payable to each of our NEOs had they been terminated on December 31, 2020 and been eligible for severance payments pursuant to the
            Executive Severance Plan.
NEOs
Lump Sum Payment
Walter R. White
$86,510
Walter R. White
$86,510
Walter R. White
$86,510
William E. Gaumond
$35,166
William E. Gaumond
$35,166
William E. Gaumond
$35,166
(1)
Mr.
                    White is not eligible to receive payments pursuant to the Executive Severance Plan. See "Allianz Life Executive Severance Agreement" for information regarding severance payments that Mr. White is eligible to receive upon termination of
                    service.
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Director Compensation
The following table provides information on compensation paid to
            the directors of Allianz Life of New York for the year ended December 31, 2020.
Name
(a)
Fees Earned or
Paid in Cash
($)
(1)
(b)
Total
($)
(h)
Walter R. White
(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
President
N/A
N/A
Steven J. Thiel
(2)
Vice President, Appointed Actuary
N/A
N/A
Lorraine Lods
(2)
Non-Independent Director
N/A
N/A
Ronald M. Clark
Independent Director
$25,000
$25,000
Martha Clark Goss
Independent Director
$37,500
$37,500
Gary A. Smith
Non-Independent Director
$25,000
$25,000
Kevin E. Walker
Independent Director
$25,000
$25,000
(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, 2020.
(2)
As inside directors, Messrs. White, Gaumond, Thomes, Thiel, and Ms. Lods do not receive any compensation for their service as directors. The compensation Messrs. White and Gaumond received as executive
                    officers of Allianz Life of New York is disclosed in the Summary Compensation Table as set forth herein.
Security Ownership of Certain Beneficial Owners and Management
We are an indirect wholly owned subsidiary of Allianz SE. Allianz
            SE's principal executive offices are located at Königinstrasse 28, 80802 Munich, Germany. As of March 31, 2021, the directors and executive officers of Allianz Life of New York held less than 1% of Allianz SE's ordinary shares issued and
            outstanding.
Transactions with Related Persons, Promoters and Certain Control
            Persons
We are a wholly owned subsidiary of Allianz Life, which is a
            wholly owned subsidiary of AZOA, which in turn is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.
Transactions with affiliates may not be on an arm's-length basis
            and may present the potential for conflicts.
Business and Operational Risks Relevant to the Contract
As an insurance company, a number of risks may affect our
            business. However, because the Contract (and any other insurance contract that we offer) is a regulated insurance product, as opposed to an investment in our business, many of the risks that may be relevant to an investor in our business are
            unlikely to be relevant to you. The risks described below are only those business and operational risks that are likely to be relevant to you as a purchaser of the Contract.
Risks Primarily Related to
              Our Financial Strength and Claims-Paying Ability
We make Annuity Payments and apply
              Performance Credits for this Contract from our general account. We also pay benefits for other insurance contracts from our general account, and our general account is subject to claims by our creditors. Our ability to make payments from our
              general account is subject to our financial strength and claims-paying ability. The following risks relate to circumstances and events that may negatively affect our general account and, in turn, our financial strength and claims-paying
              ability.
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Financial losses may threaten our financial strength and
            claims-paying ability.
As an Owner of the Contract, you do not share in the profits and
            losses generated by our business. However, if we were to experience significant losses, we might not have sufficient assets in our general account to satisfy all of our financial obligations under the Contract. Circumstances and events that may
            result in financial losses include, but are not necessarily limited to, the circumstances and events listed below. We cannot predict what specific impact that any of these circumstances or events may ultimately have on our financial strength or
            claims-paying ability.
•
Difficult
                      Economic Conditions.
Our financial condition is materially affected by conditions in the global capital markets and the economy generally. During an economic downturn, the demand for our
                        financial insurance products and services could be adversely affected. In addition, an economic downturn could cause the number and amount of full and partial withdrawals under our insurance products to increase significantly, and
                        owners of our insurance products may choose to defer making purchase payments or paying insurance premiums or stop them altogether.
•
Unfavorable Interest Rate Environments.
During periods of declining interest rates, we may experience financial losses as the spread between interest rates
                        that we credit to customers under our insurance products and returns on our investments tighten. The ongoing low interest rate environment presents challenges for us and other life insurance companies, as it has generally reduced
                        investment returns, raised the value of future obligations, and challenged asset-liability matching. During periods of increasing interest rates, we may experience financial losses due to increases in full and partial withdrawals
                        under our insurance products as our customers choose to forgo insurance protection in favor of potentially higher returns. Although we take measures to manage economic risks associated with different interest rate environments, we
                        may not be able to fully mitigate those risks.
•
Losses
                    on Fixed Maturity Investments.
Our fixed maturity investments are subject to interest rate risk and credit risk. Interest rate risk refers to how the values of our fixed maturity investments fluctuate in
                      response to changes in market interest rates. Increases and decreases in prevailing interest rates generally result in decreases and increases, respectively, in the values of our fixed maturity investments. Credit risk refers to the
                      risk that a counterparty will default on its commitments to us under a fixed maturity investment. See "Defaults by Counterparties" below.
•
Losses
                    on Equity Investments.
Our equity investments are generally valued based on quoted market prices and are subject to market risk. Market risk refers to how market prices for equity investments are subject
                      to fluctuation. A downward fluctuation in the market price for an equity investment could result in losses upon the sale of that investment. Fluctuations in market prices may result from, among other things, actual or perceived
                      changes in the attractiveness of specific investments or in general market conditions.
•
Losses
                    on Real Estate Investments.
A portion of our investment portfolio consists of mortgage loans and mortgage-backed securities related to commercial, agricultural and residential real estate. The value of
                      our real estate investments may be negatively impacted by general economic conditions in the real estate sector, including supply and demand, market volatility, and interest rate fluctuations, 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.
•
Loss of
                    Market Share to Competitors.
There is strong competition among insurers, banks, brokerage firms and other financial institutions and providers seeking clients for the types of products and services that
                      we provide. A loss of market share to our competitors could result in financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include the successful implementation of our
                      business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation. Our ability to compete may also be hindered if our competitors obtain or seek to
                      enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not able to protect or enforce our own
                      intellectual property rights.
•
Defaults by Counterparties.
Third-parties that owe us money, securities, or other assets may not fulfill their obligations to us. These parties may include issuers of
                      investments that we may hold, borrowers under loans that we may hold or extend, counterparties under swap and other derivative contracts and other third-parties (e.g., customers, trading counterparties, brokers, dealers, banks,
                      investment funds, clearing agents, exchanges and clearing houses). In addition, with respect to secured transactions, the risk of default may be exacerbated when the collateral held by us cannot be liquidated or is liquidated at a
                      price that is not sufficient to cover the full amount owed to us. A party may default on its obligations for a variety of reasons, including bankruptcy, lack of liquidity, downturns in the economy or real estate market and operational
                      failure. General economic conditions and trends may also result in increased defaults.
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•
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.
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 New York Department of Financial Services ("NYDFS") in jurisdictions in which we operate. 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 state and federal laws. In addition, our operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state
            insurance departments, state securities administrators, state banking authorities, the Securities and Exchange Commission, the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S.
            Commodity Futures Trading Commission.
Changes to federal and state laws and regulations may materially
            affect the way in which we conduct our business. We are faced with significant challenges due to the fact that our regulatory environment is evolving rapidly. Federal and state governments, including federal and state regulatory authorities,
            have become increasingly active in the regulation of the businesses in which we engage. In addition, federal and state regulatory authorities are assuming active, and in some cases increasingly aggressive, roles in interpreting and enforcing
            laws and regulations related to our business. We cannot predict the potential effects that any new laws or regulations, changes in existing laws or regulations, or the interpretation or enforcement of laws or regulations may have on our
            business, but such changes may negatively affect our financial strength and claims-paying ability.
The Securities and Exchange Commission has recently adopted new
            rules (i) imposing a "best interest" standard of care on broker-dealers making recommendations to their customers and (ii) requiring broker-dealers and investment advisers to provide a written summary of the relationship between a broker-dealer
            or investment adviser, as applicable, and its customer. These new rules became effective on June 30, 2020. It remains unclear whether or to what extent these rules 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 New York State Department of Financial Services ("DFS"), the
            regulatory authority for the insurance industry in New York, has adopted revisions to its Insurance Regulation 187, a regulation that imposes suitability requirements on annuity and life insurance recommendations by producers and insurers
            subject to New York law. Under the amendments to Regulation 187, recommendations of and related to annuity contracts will be subject to a best interest standard and other additional obligations. These revisions became effective for annuity
            recommendations on August 1, 2019 and for life insurance recommendations on February 1, 2020.
In order to comply with the revisions to Regulation 187, we may
            decide to change compensation for financial professionals or otherwise change the sales support for annuities. 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 DFS-related actions.
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Our reserves could be inadequate due to differences between our
            actual experience and management's estimates and assumptions.
We establish and carry reserves to pay future benefits and claims
            of policyholders. Our reserve are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, morbidity, interest rates, future equity performance, reinvestment rates, persistency,
            claims experience, and policyholder elections (i.e., the exercise or non-exercise of policy benefits). The assumptions and estimates used in connection with the reserve estimation process are inherently uncertain, involve the exercise of
            significant judgment and reflect evolving information. For example, the current rates of mortality and morbidity may continue to improve in the future due to medical and technological advancements that result in policyholders living longer than
            anticipated. We periodically review the adequacy of reserves and the underlying assumptions and make adjustments when appropriate. We cannot, however, determine with precision the amounts that we will pay for, or the timing of payment of,
            actual benefits and claims or whether the assets supporting the policy liabilities will grow to the level assumed prior to payment of benefits or claims. If actual results differ significantly from our estimates and assumptions, our claim costs
            could increase significantly and our reserves could be inadequate. If so, we will be required to increase reserves or accelerate amortization of deferred acquisition costs. However, we cannot be certain that our reserves will ultimately be
            sufficient to pay future benefits and claims of policyholders.
The amount of statutory capital that we must hold to meet our
            statutory capital requirements can vary significantly from time to time.
Statutory accounting standards and capital and reserve
            requirements are prescribed by NYDFS and the National Association of Insurance Commissioners. The NYDFS established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based capital
            ("RBC") ratios for life insurance companies. In any particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount of statutory income or losses
            that we generate, changes in reserves, the amount of additional capital that we must hold to support business growth, changes in equity market levels, the value of certain fixed-income and equity securities in our investment portfolio, changes
            in interest rates, and changes to existing RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that we must
            maintain. There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to maintain
            minimum capitalization requirements, our business may be subject to significant increases in supervision and control by the NYDFS.
Litigation and regulatory proceedings may negatively affect our
            financial strength and claims-paying ability.
We have been involved in various regulatory investigations and
            examinations, and we may be involved in more in the future. We may also be named as defendants in individual lawsuits in the future. These actions arise in various contexts, including in connection with our activities as an insurer, securities
            issuer, employer, investor, and taxpayer. Lawsuits and regulatory proceedings may involve significant amounts of damages (including punitive damages) or fines that we must pay, and certain regulatory authorities involved in regulatory
            proceedings have substantial power over our business operations. An adverse outcome in any lawsuit or regulatory proceeding that results in significant financial losses or operational burdens may negatively affect our financial strength and
            claims-paying ability.
Reinsurance may not be available or affordable, or may not be
            adequate to protect against harm to our financial strength and claims-paying ability.
As part of our overall risk management strategy, we purchase
            reinsurance for certain risks underwritten by our various business segments. While reinsurance agreements generally bind the reinsurer for the life of the business reinsured at generally fixed pricing, market conditions beyond our control can
            determine the availability and cost of the reinsurance protection for new business. If we are unable to purchase the desired amount of reinsurance protection on acceptable terms, our risk of loss may increase. As our risk of loss increases, so
            does the risk that we may not be able to meet our financial obligations.
Our hedging programs may be inadequate to protect against harm to
            our financial strength and claims-paying ability.
Certain types of insurance and investment products that we offer
            expose us to risks associated with fluctuations in financial markets. Although we use hedging techniques to manage risks associated with our insurance guarantees, increased volatility in the financial markets and unanticipated policyholder
            behavior may increase the cost of these hedges and/or
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negatively affect our ability to hedge certain risks. We may lose money on the
            derivatives that we hold as part of our hedging programs or otherwise. Ultimately, our hedging programs may be inadequate to protect us against the full extent of the exposure or losses we seek to mitigate, which in turn may negatively impact
            our financial strength and claims-paying ability.
Downgrades and potential downgrades to our claims-paying and
            financial strength ratings may signal a higher risk that we may be unable to meet our financial obligations, and may themselves negatively affect our financial strength and claims-paying ability.
Our claims-paying and financial strength ratings, which various
            ratings organizations publish as measures of an insurance company's ability to meet policyholder obligations, are important to maintaining public confidence in Allianz Life of New York and our products, and the ability to market our products
            and services. A downgrade or an announced potential downgrade 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, downgrades or announced potential downgrades in the
            financial strength ratings of the financial institutions with which we do business may adversely impact our business operations and may cause financial losses to our business.
Risks Primarily Related to
              Our Business Operations
Breaches of security, or interference with our technology
            infrastructure, could harm our business.
Our business relies on technology systems and networks, including
            systems and networks managed by third parties to process, transmit and store information, and to conduct business activities and transactions with clients, distributors, vendors, and other third parties. We are also subject to certain federal
            and state regulations that require us to establish and maintain policies and procedures designed to protect sensitive client information. Maintaining the integrity of our systems is critical to the success of our business operations, including
            the retention of clients, and to the protection of our clients' personal information. To date, we have not identified any material breaches or interference with our systems and networks; however, we routinely encounter and address such threats,
            including an increasing frequency of phishing scams, introductions of malware and unauthorized payment requests. Any such breaches or interference by third parties or by our employees that may in the future occur could have a material adverse
            impact on our business operations and our financial condition.
We have implemented and maintain security measures designed to
            protect against breaches of security and other interference with systems and networks resulting from attacks by third parties, including hackers, and from employee error or malfeasance. We also require third party vendors who, in the provision
            of services to us, are provided with or process information pertaining to our business or our clients to meet certain information security standards. Changes in our technology platforms, such as an evolution to accommodate mobile computing, may
            also require corresponding changes in our systems, networks and data security measures. In addition, the increasing reliance on technology systems and networks and the occurrence and potential adverse impact of attacks on such systems and
            networks, both generally and in the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cyber-security threats. As these threats, and government and regulatory
            oversight of associated risks, continue to evolve, we may be required to expend additional resources to enhance or expand upon the security measures we currently maintain.
Despite the measures we have taken and may in the future take to
            address and mitigate these risks, we cannot ensure that our systems and networks will not be subject to breaches or interference. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss
            of our proprietary information or our clients' personal information, which in turn may result in legal claims, regulatory scrutiny and liability, reputational damage, the incurrence of costs to eliminate or mitigate further exposure, the loss
            of clients or other damage to our business. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. In addition, the trend toward broad
            consumer and general public notification of such
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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.
The failure to protect our clients' confidential information and
            privacy could adversely affect our business.
A number of our businesses are subject to privacy regulations and
            confidentiality obligations, including the Gramm-Leach-Bliley Act and state privacy laws and regulations. We also have contractual obligations to protect certain confidential information we obtain from our existing vendors and clients. These
            obligations generally include protecting such confidential information in the same manner and to the same extent as we protect our own confidential information. The actions we take to protect confidential information vary by business segment
            and may include, among other things:
•
training
                    and educating our employees regarding our obligations relating to confidential information;
•
monitoring
                    changes in state or federal privacy and compliance requirements;
•
drafting
                    appropriate contractual provisions into any contract that raises proprietary and confidentiality issues;
•
maintaining
                    secure storage facilities for tangible records;
•
limiting
                    access to electronic information; and
•
in the event of a security breach, providing credit monitoring or other services to affected customers.
In addition, we must develop, implement and maintain a
            comprehensive written information security program with appropriate administrative, technical and physical safeguards to protect such confidential information. If we do not properly comply with privacy regulations and protect confidential
            information, we could experience adverse consequences, including regulatory sanctions, such as penalties, fines and loss of license, as well as loss of reputation and possible litigation. This could have an adverse impact on our Company's
            reputation and business results.
Protection from system interruptions and operating errors is
            important to our business. If we were to experience a sustained interruption to our telecommunications or data processing systems or other failure in operational execution could harm our business operations and our business results.
Operating errors and system or network interruptions could delay
            and disrupt our ability to develop, deliver or maintain our products and services, causing harm to our business and reputation and resulting in loss of customers or revenue. Operating errors and system or network interruptions may also
            interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Interruptions could be caused by operational failures arising from employee error or malfeasance,
            interference by third parties (including hackers and other cyber-attacks), implementation of new technology, and maintenance of existing technology. Our financial, accounting, data processing or other operating systems and facilities may fail
            to operate or report data properly, experience connectivity disruptions or otherwise become disabled as a result of events that are wholly or partially beyond our control, adversely affecting our ability to process transactions or provide
            products and services to customers. The cause of these interruptions can include fires, floods, earthquakes and other natural disasters, power losses, equipment failures, attacks by third parties, failures of internal or vendor software or
            systems and other events beyond our control.
In addition, we rely on third party service providers and vendors
            for certain communications, technology and business functions and face the risk of operational failure (including, without limitation, failure caused by an inaccuracy, untimeliness or other deficiency in data reporting), termination or capacity
            constraints of any of the clearing agents, exchanges, clearing houses or other third party service providers that we use to facilitate or are component providers to our transactions and other product manufacturing and distribution activities.
            These risks are heightened by the evolution in the financial markets of increasingly sophisticated products, by business-driven hedging, by compliance issues and by other risk management or investment or by financial management strategies. Any
            such failure, termination or constraint could adversely impact our ability to implement transactions, service our clients, manage our exposure to risk or otherwise achieve desired outcomes.
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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 acts of terrorism, 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.
Inadequate or failed processes or systems, human factors or
            external events may adversely affect our profitability, reputation or operational effectiveness.
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, and external fraud. These events can potentially result in
            financial loss, harm to our reputation and/or hinder our operational effectiveness. Management attempts to control these risks and keep operational risk at low levels by maintaining a sound and well controlled environment in light of the
            characteristics of our business, markets and regulatory environment in which we operate. Notwithstanding these measures, operational risk is part of the business environment in which we operate, and we may experience operational disruptions and
            incur losses from time to time due to these types or risks.
Risks Related to the
              COVID-19 Pandemic
We continue to closely monitor developments related to the
            COVID-19 pandemic and its impact on our business and operations. The economic conditions and uncertainties during the pandemic have at times negatively impacted our net income, surplus, and capital and liquidity positions. To date, however, we
            do not believe that these economic conditions and uncertainties have negatively impacted our overall financial strength and claims-paying ability in a significant manner. Nor do we believe that our administration of the Contract and our other
            insurance contracts has been disrupted in a significant manner, even as many of our employees and the employees of our third-party service providers continue to work remotely.
The extent to which the pandemic will impact our business and
            operations in the future will depend on future developments, which are highly uncertain and cannot be predicted, including the scope and duration of the pandemic and actions taken by governmental authorities and other third parties in response
            to the pandemic. The pandemic could have a material adverse effect on our financial condition and operations.
The pandemic-related risks that we face include (but are not
            necessarily limited to) the following:
•
Economic
                    conditions and uncertainties may negatively impact the value, cash flow, and liquidity of our general account investments due to,
e.g.
, market volatility, reduced liquidity, changes in interest
                    rates, economic shutdowns or slowdowns, government regulations, and counterparty defaults.
•
Voluntary or government mandated hardship assistance that we provide to our customers in the form of,
e.g.
, grace periods for failure to make timely payments,
                    may reduce our net income and surplus.
•
Reductions
                      in new sales of our financial products or reductions in fees collected by us, or increases in full withdrawals, cancellations, or defaults with respect to our customers' existing financial products, as a result of economic conditions
                      and uncertainties may reduce our net income and surplus.
•
Economic
                    conditions and uncertainties may limit our access to sources of capital and our ability to obtain reinsurance.
•
Voluntary and government mandated pandemic mitigation
efforts, such as prolonged remote working arrangements and economic shutdowns, and employees' ability or
                    willingness to fulfill their responsibilities during the pandemic, may disrupt our ability to administer our insurance contracts (including our ability to timely process applications, transactions, and payments and to calculate values)
                    and may disrupt the services provided by third-parties upon which we rely to administer our insurance contracts.
In addition to the risks listed above, to the extent that the
            pandemic impacts our business and operations, it may also have the effect of heightening the other risks described in this section of the prospectus.
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13.
Financial

              Statements
The statutory financial statements of
              Allianz Life Insurance Company of New York as of December 31, 2020 and 2019 and for each of the three years in the period ended December 31, 2020 included in Appendix E 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 unaudited statutory financial statements of Allianz Life
              Insurance Company of New York as of September 30, 2021 and audited statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2020, as well as the related unaudited statutory statements of operations,
              capital and surplus and cash flow for the three month periods ended September 30, 2021 and September 30, 2020 are included in Appendix D.
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, 2020 and 2019 and for each of the two years in the period ended December 31, 2020 included in Appendix B of the SAI, which is
              incorporated in this prospectus by reference to Pre-Effective Amendment No. [XX] to Variable Account C's Form N-4 filed with the SEC (File No. 333-XXXXX), 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.
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14.
Privacy
              Notice
Allianz Life Insurance Company of New York
Home Office: New York, NY
Administrative Office
5701 Golden Hills Drive
Minneapolis, MN 55416-1297
800.328.5600
Your privacy is a high priority for Allianz Life Insurance
            Company of New York ("we" or "our"). This Privacy Notice outlines our principles for collecting, using, and protecting information that we maintain about you. This Privacy Notice is also displayed on our website at www.allianzlife.com/new-york.
Information about you that Allianz Life of NY collects
We collect information about you so that we can process the
            insurance transactions you request and administer or service your policy. We also collect information to inform you of new products and services and to engage in studies or research relating to our business. We limit the information collected
            to what is needed for our business purposes. We may collect your information from the following sources.
•
From
                    you, either directly or through our financial professionals. This may include information provided on your insurance application or other forms you may complete. The information we collect includes, but is not limited to, your name,
                    Social Security number, address, telephone number, mobile phone number, and email address.
•
From
                    others, through the process of issuing a policy or handling a claim. This may include information from consumer reporting agencies and medical or accident reports.
•
From
                    your doctor or during a home visit by a health care professional. This may include your health records gathered with your written consent.
•
From
                    your relationship with us. For example, this may include the number of years you have been a customer or the types of products you have purchased.
•
From data brokers that collect publicly available information about you. This includes household information, financial transactions, and social media activity.
Information about you that Allianz Life of NY shares
We do not share information about current or former customers
            with anyone, except as allowed by law. "Allowed by law" means that we may share the information we collect about you as follows.
•
With
                    people and entities when we have your consent to share your information.
•
With
                    our affiliates and other third parties in order to process your application, or administer or service your policy.
•
With
                    consumer reporting agencies to obtain a medical report, credit report, or motor vehicle report. These reports are used to decide eligibility for a policy or to process transactions you request.
•
With
                    our financial professionals so that they can service your policy. They may also inform you of other Allianz Life of NY products and services that may be of interest to you.
•
With
                    health care providers in order to process your claim.
•
As
                    required or otherwise permitted by law. This may include sharing information with state insurance agencies, law enforcement, and other government officials. We may also share your information to respond to subpoenas, court orders, and
                    other legal requests.
•
With
                    research groups to conduct studies on our business to improve the products and services we offer.
•
To
                    inform you of products and services that may be of interest to you. These communications may be made by us, our financial professionals, or through third parties.
•
With our affiliates so they can market their products and services to you. State insurance laws do not allow you to restrict this disclosure.
Allianz Life of NY does not sell your information to anyone
We do not sell your information to anyone for their own marketing
            purposes. For this reason, we are not required to obtain your "opt in election," "opt out election" or authorization.
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Allianz Life of NY policies and practices regarding security of your
            information
We limit access to your information to those employees,
            affiliates, and service providers who need it for our business purposes. We protect your information using safeguards that comply with applicable federal and state law. This includes measures that are administrative, physical, and technical in
            nature. We use reasonable measures to secure our websites and protect the information that may be shared over these sites.
Your ability to access and correct your information
You have the right to access and obtain a copy of your
            information. This does not include the right to access and copy your information related to a claim or civil or criminal proceeding. You may also write to us and ask about disclosure(s) of your information made within the last two (2) years. If
            you wish to review your information, please write us at:
Allianz Life Insurance Company of New York
Attn: Privacy Office
PO Box 1344
Minneapolis, MN 55440-1344
Please provide your full name, address and policy number(s) in
            your written request. For your protection, please have your request notarized. We reserve the right to ask for additional verification of your identity.
Within 30 working days of our receipt of your written request,
            you may see and get a copy of your information in person. If you prefer, we will send you a copy of your information. If medical information is contained in your file, we may request that you name a medical professional to whom we will send
            your information.
If you believe any of your information is incorrect, you may
            write to us at the address above. Within 30 working days, we will let you know if our review has resulted in a correction of your information. If we do not agree there is an error, you may file a statement disputing our finding. We will attach
            the statement to your file. We will send any corrections we make, or your statement, to anyone we shared your information with over the past two years, and to anyone who may receive your information from us in the future. We do not control the
            information about you obtained from a consumer reporting agency or a Department of Motor Vehicles. We will provide you with the names and addresses of these agencies so you can contact them directly.
Notification of change
Your trust is one of our most important assets. If we revise our
            privacy practices in the future, we will notify you prior to implementing any changes.
For more information or if you have questions
If you have any questions or concerns about our privacy
            practices, please call the Corporate Compliance Privacy Office at 800.328.5600, write us at the address above, or contact us via the secured website.
This Privacy Notice is being provided on behalf of the following
            companies:
•
Allianz
                    Life Insurance Company of New York
•
Allianz Life Financial Services, LLC
M40018-NY (R-08/2020)
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15.
Table of
              Contents of the Form N-4 SAI
Allianz Life of New York as Custodian
[DisplaySAIPageNumber1]
Legal Opinions
[DisplaySAIPageNumber3]
Distributor
[DisplaySAIPageNumber4]
Administrative Service Fees
[DisplaySAIPageNumber5]
Federal Tax Status
[DisplaySAIPageNumber6]
Annuity Contracts in General
[DisplaySAIPageNumber7]
Taxation of Annuities in General
[DisplaySAIPageNumber8]
Qualified Contracts
[DisplaySAIPageNumber9]
Purchasing a Qualified Contract
[DisplaySAIPageNumber10]
Distributions-Qualified Contracts
[DisplaySAIPageNumber11]
Distributions-Non-Qualified Contracts
[DisplaySAIPageNumber12]
Required Distributions
[DisplaySAIPageNumber13]
Diversification
[DisplaySAIPageNumber14]
Owner Control
[DisplaySAIPageNumber15]
Contracts Owned by Non-Individuals
[DisplaySAIPageNumber16]
Annuity Purchases by Nonresident Aliens and Foreign Corporations
[DisplaySAIPageNumber17]
Income Tax Withholding
[DisplaySAIPageNumber19
Multiple Contracts
[DisplaySAIPageNumber20]
Partial 1035 Exchanges
[DisplaySAIPageNumber21]
Assignments, Pledges and Gratuitous Transfers
[DisplaySAIPageNumber22]
Death Benefits
[DisplaySAIPageNumber23]
Spousal Continuation and the Federal Defense of Marriage Act (DOMA)
[DisplaySAIPageNumber24]
Federal Estate Taxes
[DisplaySAIPageNumber25]
Generation-Skipping Transfer Tax
[DisplaySAIPageNumber26]
Foreign Tax Credits
[DisplaySAIPageNumber27]
Possible Tax Law Changes
[DisplaySAIPageNumber28]
Annuity Payments
[DisplaySAIPageNumber29]
Annuity Payment Options
[DisplaySAIPageNumber30]
Appendix A – Death of the Owner and/or Annuitant
[DisplaySAIPageNumber32]
Appendix B – Allianz Life of NY Variable Account C Financial Statements
[DisplaySAIPageNumber38]
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Appendix A – Available Indexes
S&P 500
®
Index
The S&P 500
®
Index is comprised of 500 stocks representing major U.S. industrial sectors.
S&P
®
is a registered trademark of Standard & Poor's Financial Services LLC ("S&P"). This trademark has been licensed for use by S&P Dow Jones
            Indices LLC. S&P marks are trademarks of S&P. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of New York ("Allianz Life
®
of NY"). The S&P 500
®
Index ("the Index") is a
            product of S&P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz Life of NY.
Allianz Life of NY products are not sponsored, endorsed, sold, or
            promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices make no representation or warranty, express or implied, to the owners of
            the Allianz Life of NY products or any member of the public regarding the advisability of investments generally or in Allianz Life of NY products particularly or the ability of the Index and Average to track general market performance. S&P
            Dow Jones Indices' only relationship to Allianz Life of NY with respect to the Index and Average is the licensing of the Index and Average and certain trademarks, service marks, and/or trade names of S&P Dow Jones Indices and/or its
            third-party licensors. The Index and Average are determined, composed, and calculated by S&P Dow Jones Indices without regard to Allianz Life of NY or the products. S&P Dow Jones Indices have no obligation to take the needs of Allianz
            Life of NY or the owners of the products into consideration in determining, composing, or calculating the Index and Average. S&P Dow Jones Indices are not responsible for and have not participated in the design, development, pricing, and
            operation of the products, including the calculation of any interest payments or any other values credited to the products. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing, or trading
            of products. There is no assurance that investment products based on the Index and Average will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC and its subsidiaries are not investment
            advisors. Inclusion of a security or futures contract within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security or futures contract, nor is it considered to be investment advice. Notwithstanding
            the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to products currently being issued by Allianz Life of NY, but which may be similar to and competitive with Allianz Life of NY
            products. In addition, CME Group Inc., an indirect minority owner of S&P Dow Jones Indices LLC, and its affiliates may trade financial products which are linked to the performance of the Index and Average. It is possible that this trading
            activity will affect the value of the products.
S&P DOW JONES INDICES DO NOT GUARANTEE THE ADEQUACY,
            ACCURACY, TIMELINESS, AND/OR THE COMPLETENESS OF THE INDEX AND AVERAGE OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.
            S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES, OF MERCHANTABILITY
            OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ALLIANZ LIFE OF NY, OWNERS OF THE PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX AND AVERAGE OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT
            LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME,
            OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES
            INDICES AND ALLIANZ LIFE OF NY OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Russell 2000
®
Index
The Russell 2000
®
Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000
®
Index, which is made up of 3,000 of the biggest U.S. stocks. The Russell 2000
®
Index is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure larger stocks do
            not affect the performance and characteristics of the true small-cap index.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
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Table of Contents
The Russell 2000
®
Index (the "Index") is a trademark of Frank Russell Company ("Russell") and has been licensed for use by Allianz Life Insurance Company of New York
            ("Allianz Life
®
of NY"). Allianz Life of NY products are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock
            Exchange Group companies ("LSEG") (together the "Licensor Parties") and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the
            use of the Index (upon which the Allianz Life of NY product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which
            it is being put in connection with the Allianz Life of NY product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz Life of NY or to its clients.
            The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error
            therein.
Nasdaq-100
®
Index
The NASDAQ-100 Index
®
includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market
®
based on market capitalization.
The Product(s) is not sponsored, endorsed, sold or promoted by
            Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to,
            the Product(s). The Corporations make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s)
            particularly, or the ability of the Nasdaq-100 Index
®
to track general stock market performance. The Corporations' only relationship to Allianz Life
            Insurance Company of New York ("Licensee") is in the licensing of the NASDAQ
®
, and Nasdaq-100 Index
®
registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index
®
which is determined, composed and calculated by NASDAQ without regard to Licensee or the Product(s). Nasdaq has no obligation to take the needs of
            the Licensee or the owners of the Product(s) into consideration in determining, composing or calculating the Nasdaq-100 Index
®
. The Corporations are
            not responsible for and have not participated in the determination of the timing of, prices of, or quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into
            cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product(s).
THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR
            UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO
            RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX
®
OR ANY DATA
            INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR
            SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
EURO STOXX 50
®
The EURO STOXX 50
®
, Europe's leading blue-chip index for the Eurozone, provides a blue-chip representation of supersector leaders in the Eurozone. The index covers 50
            stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain.
STOXX Limited, Deutsche Börse Group and their licensors, research
            partners or data providers have no relationship to Allianz Life Insurance Company of New York ("Allianz Life
®
of NY"), other than the licensing of
            the EURO STOXX 50
®
and the related trademarks for use in connection with Allianz Life of NY products.
STOXX, Deutsche Börse Group and their licensors, research partners
            or data providers do
not
:
•
sponsor,
                    endorse, sell or promote Allianz Life of NY products.
•
recommend
                    that any person invest in Allianz Life of NY products or any other securities.
•
have any responsibility or liability for or make any decisions about the timing, amount or pricing of Allianz Life of NY products.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
Appendix A
90
Table of Contents
•
have
                    any responsibility or liability for the administration, management or marketing of Allianz Life of NY products.
•
consider the needs of Allianz Life of NY products or the owners of Allianz Life of NY products in determining, composing or calculating the EURO STOXX 50 or have any obligation to do so.
STOXX, Deutsche Börse Group and their licensors, research partners
            or data providers give no warranty, and exclude any liability (whether in negligence or otherwise), in connection with the Allianz Life of NY products or their performance.
STOXX does not assume any contractual relationship with the
            purchasers of Allianz Life of NY products or any other third parties.
Specifically,
•
STOXX,
                    Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, express or implied, and exclude any liability about:
•
The
                    results to be obtained by Allianz Life of NY products, the owner of Allianz Life of NY products or any other person in connection with the use of the EURO STOXX 50 and the data included in the EURO STOXX 50;
•
The
                    accuracy, timeliness, and completeness of the EURO STOXX 50 and its data;
•
The
                    merchantability and the fitness for a particular purpose or use of the EURO STOXX 50 and its data;
•
The
                    performance of Allianz Life of NY products generally;
•
STOXX,
                    Deutsche Börse Group and their licensors, research partners or data providers give no warranty and exclude any liability, for any errors, omissions or interruptions in the EURO STOXX 50 or its data;
•
Under no circumstances will STOXX, Deutsche Börse Group or their licensors, research partners or data providers be liable (whether in negligence or otherwise) for any lost profits or indirect, punitive,
                    special or consequential damages or losses, arising as a result of such errors, omissions or interruptions in the EURO STOXX 50 or its data or generally in relation to Allianz Life of NY products, even in circumstances where STOXX,
                    Deutsche Börse Group or their licensors, research partners or data providers are aware that such loss or damage may occur.
The licensing Agreement between Allianz Life of NY and STOXX is
            solely for their benefit and not for the benefit of the owners of Allianz Life of NY products or any other third parties.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
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Table of Contents
Appendix B – Daily Adjustment
Generally
We designed the Daily Adjustment to
              provide an Index Option Value on Business Days other than the 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 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 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.
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®
New York Variable Annuity Prospectus – [MMDD], 2021
Appendix B
92
Table of Contents
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. The Term
              length is 365 days for a 1-year Term; 1,095 days for a 3-year Term; and 2,190 days for a 6-year Term. The proxy interest may be significantly different from current interest rates available on interest bearing investments.
Additional Information
You can find a more detailed explanation of the calculation of
            the Proxy Value, including examples, in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This Exhibit is incorporated by reference into this prospectus. You can obtain a copy of
            Exhibit 99(a) by calling (800) 624-0197, or visiting our website at www.allianzlife.com/new-york.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
Appendix B
93
Table of Contents
Appendix C – Annual Contract Fees Calculation
              Examples
Please note that these examples may differ from your actual results
            due to rounding.
On the Quarterly Contract Anniversary your annual product fee is
            1.25% and your Contract Value and Charge Base are $100,000. This Contract Value includes any Variable Option gains or losses and any Daily Adjustments or Performance Credits on the Index Options. During the quarter you make no additional
            Purchase Payments and take no withdrawals. We calculate the daily product fee amount for this quarter as follows:
(the Charge Base) x (annual product fee ÷ 365) = daily product fee
            amount, or:
$100,000 x (1.25% ÷ 365) = $3.42
If there are 89 days in the current quarter (which includes the
            next Quarterly Contract Anniversary), then the total quarterly product fee is:
(number of days in the current quarter) x (daily product fee
            amount), or:
89 x $3.42 = $304.79
On the next Quarterly Contract Anniversary
              we would deduct $304.79 from the Contract Value. We first account for any gains/losses on the Variable Options and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional Purchase Payments,
              withdrawals you take, and deductions we make for the total quarterly product fee. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract Anniversary after all
              processing is $101,250 we would begin computing the daily product fee for the next quarter on the next day as:
(the Charge Base) x (annual product fee ÷ 365) = daily product fee
            amount, or:
$101,250 x (1.25% ÷ 365) = $3.47
If you make an additional Purchase Payment
              of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily product fee for the
              remainder of the quarter on the next day as:
(the Charge Base) x (annual product fee ÷ 365) = daily product fee
            amount, or:
$116,250 x (1.25% ÷ 365) = $3.98
If there are 92 days in the current quarter (which includes the
            next Quarterly Contract Anniversary), then the total quarterly product fee is:
(number of days in the current quarter) x (daily product fee
            amount), or:
(43 x $3.47) + (49 x $3.98) = $149.10 + $195.08 = $344.18
On the next Quarterly Contract Anniversary
              we would deduct $344.18 from the Contract Value after we account for any gains/losses on the Variable Option and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any additional Purchase
              Payments, withdrawals you take, and deductions we make for the total quarterly product fee and set the Charge Base equal to this new Contract Value and begin computing the daily product fee for the next quarter on the next day.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
Appendix C
94
Table of Contents
Appendix
              D – Unaudited Selected Financial Data and Statutory Financial Statements
[To be added upon amendment]
Management's Discussion and Analysis of Financial Condition
              and Results of Operations (For the 9 Month Period Ending September 30, 2021)
The following discussion of our financial condition and
              results of operations should be read in conjunction with our statutory financial statements and notes to those statements included in this Appendix. The discussion and analysis in this Appendix includes certain forward-looking statements that
              are subject to risks, uncertainties and other factors, as described in "Risk Factors" and elsewhere in this prospectus, that could cause our actual growth, results of operations, performance, financial position and business prospects and
              opportunities in the remainder of 2021 and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See "Forward-Looking Statements."
Unaudited Statutory Financial Statements
The following unaudited statutory financial statements of
              Allianz Life Insurance Company of New York as of September 30, 2021 and unaudited statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2020, as well as the related unaudited statutory statements of
              operations, capital and surplus and cash flow for the nine month periods ended September 30, 2021 and September 30, 2020 are included in this Appendix.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
Appendix D
95
Table of Contents
Appendix
              E – Selected Financial Data and Statutory Financial Statements
[To be added upon amendment]
Management's Discussion and Analysis of Financial Condition and
            Results of Operations (For the 12 month period ended December 31, 2020)
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 2021 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, 2020 and 2019 and for each of the three years in the period ended December 31, 2020 included in this Appendix E 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 – [MMDD], 2021
Appendix E
96
Table of Contents
For Service or More Information
The SEC maintains a website (www.sec.gov). The prospectus, the
            Form N-4 SAI and other information about the Contract are available on the EDGAR database on the SEC's website. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address:
            publicinfo@sec.gov.
Our Service Center
If you need customer service (for Contract changes, information
            on Contract Values, requesting a withdrawal or transfer, changing your allocation instructions, etc.) please contact our Service Center at
(800) 624-0197
.
To send an application, a check for an additional Purchase
            Payment, or for general customer service, please mail to the appropriate address as follows:
Send an application or additional Purchase Payment
with a check:
Send an application or general customer service
without a check:
REGULAR MAIL
REGULAR MAIL
Allianz Life Insurance Company of New York
NW5990
P.O. Box 1450
Minneapolis, MN 55485-5990
Allianz Life Insurance Company of New York
P. O. Box 561
Minneapolis, MN 55440-0561
OVERNIGHT, CERTIFIED, OR REGISTERED MAIL
OVERNIGHT, CERTIFIED, OR REGISTERED MAIL
Allianz Life Insurance Company of New York
NW5990
1801 Parkview Drive
Shoreview, MN 55126
Allianz Life Insurance Company of New York
5701 Golden Hills Drive
Golden Valley, MN 55416-1297
Checks sent to the wrong address for applications or additional Purchase Payments are forwarded to the 1801 Parkview 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: www.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, 2022, all dealers that effect transactions in these
            securities may be required to deliver a prospectus.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – [MMDD], 2021
97
PART II - INFORMATION NOT REQUIRED IN PROSPECTUS
ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.
Securities and Exchange Commission Registration Fee
$ 25,760
--------------
Estimated Printing and Filing Costs:
$ 30,000
--------------
Estimated Accounting Fees:
$ 60,000
---------------
Estimated Legal Fees:
$ 175,000
---------------
Estimated Miscellaneous Fees:
$
N/A
---------------
ITEM 14. INDEMNIFICATION OF OFFICERS AND DIRECTORS.
The Bylaws of the Insurance Company provide:
ARTICLE X
INDEMNIFICATION OF OFFICERS, DIRECTORS AND EMPLOYEES
To the fullest extent allowed under New York law, the Company shall indemnify officers, directors and employees of the Company. No director shall be personally liable to the Company or
      any of its shareholders for damages for any breach of duty as a director; provided, however, that the foregoing provision shall not eliminate or limit (i) the liability of a director if a judgment or other final adjudication adverse to him or her
      establishes that his or her acts or omissions were in bad faith or involved intentional misconduct or were acts or omissions (a) which he or she knew or reasonably should have known violated the New York Insurance Law or (b) which violated a specific
      standard of care imposed on directors directly, and not by reference, by a provision of the New York Insurance Law (or any regulations promulgated thereunder) or (c) which constituted a knowing violation of any other law, or establishes that he or
      she personally gained in fact a financial profit or other advantage to which he or she was not legally entitled; or (ii) the liability of a director for any act or omission prior to adoption of these Restated Bylaws by the shareholders of the
      Company.
Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Insurance Company pursuant to
      the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and, is therefore, unenforceable. In
      the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in the successful defense of any
      action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion of its counsel the matter has been settled by controlling
      precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
ITEM 15. RECENT SALES OF UNREGISTERED SECURITIES.
NOT APPLICABLE.
ITEM 16. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.
(a)
Exhibits.
1.
(a)
Principal Underwriter Agreement
by and between Preferred Life Insurance Company of
                New York on behalf of Preferred Life Variable Account C and NALAC Financial Plans, Inc. incorporated by reference as exhibit EX-99.B3.a. from Registrant's Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-19699 and 811-05716)
                electronically filed on May 12, 1997. Preferred Life Insurance Company of New York is the predecessor to Allianz Life Insurance Company of New York. Preferred Life Variable Account C is the predecessor to Allianz Life of NY Variable Account
                C. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life Financial Services, LLC.
(b)
Broker-Dealer Agreement
(amended and restated) between Allianz Life Insurance Company of New York and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX- 99.B3.b. from Registrant's Post-Effective Amendment No. 21 to
                Form N-4 (File Nos. 333-143195 and 811-05716) electronically filed on October 21, 2010.
(c)
The current specimen of the
selling agreement
between Allianz
                Life Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is incorporated by reference as exhibit EX-99.B3.b from the Initial Registration Statement to
                Allianz Life Variable Account B's Form N-4 (File Nos.333-134267 and 811-05618) electronically filed on May 19, 2006. The underwriter has executed versions of the agreement with approximately 2,100 retail brokers.
2.
Not applicable
3.
(a)
Articles of Incorporation, as amended and
                  restated March 9, 2011
, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
(b)
Bylaws, as
        amended and restated March 9, 2011
, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
4.(a)
Deferred Annuity Contract, L40538-NY
, as revised 5/16/14, filed on
      December 8, 2014, as Exhibit 4(a) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(b)
Contract Schedule Pages, S40877-NY
, filed on May 2, 2014 as
                Exhibit 4(b) to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
Schedule pages S40875-NY,
                  S40876-NY
, as revised 5/9/14, filed on December 8, 2014, as Exhibit 4(b) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(c)
Application for Individual Annuity Contract,
                  F40538-NY
, as revised 5/2014, filed on December 8, 2014, as Exhibit 4(c) to Registrant's Post-Effective Amendment No. 1 on Form S-1, is incorporated by reference.
Application for Ind. Var. Annuity Contract – F40538-02-NY (5/2015)
, filed on April 20, 2015, as Exhibit 4(c) to Registrant's
                Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
(d)
Index Performance Strategy Rider,
                  S40878-NY
, filed on May 2, 2014 as Exhibit 4(d) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(e)
Traditional Death Benefit Rider, S40880-NY
,
                filed on May 2, 2014 as Exhibit 4(e) to Registrant's Pre- Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.
(f)
Allocation Options Schedule page
                  S40876-NY01 (5/2015)
, filed on April 20, 2015, as Exhibit 4(f) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
(g)
Variable
                  and Index-Linked Annuity Contract L40538-NY01 (5/2015)
, filed on April 20, 2015, as Exhibit 4(g) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-192948), is incorporated by reference.
5.**  Opinion re Legality – to be filed by amendment
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, to be filed by amendment.
(b) Consent of Counsel, filed herewith as Exhibit 5.
24. (a)
Board Resolution, effective
        December 11, 2012
, of the Board of Directors of Allianz Life Insurance Company of North America, filed on December 19, 2013 as Exhibit 24(b) to Registrant's initial registration on Form S-1 (File No. 333-192948), is incorporated by reference.
(b)
Board Resolution,
        effective March 6, 2014
, of the Board of Directors of Allianz Life Insurance Company of New York, filed on May 2, 2014 as Exhibit 24(d) to Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by
      reference.
(c)*
Powers

        of Attorney
, filed herewith.
25. Not applicable
26. Not applicable
99. (a)
Appendix A Exhibit – Daily
        Adjustment Calculation – INY-024a (04/19)
, filed on January 25, 2019, as Exhibit 99(a) to Registrant's Post-Effective Amendment No. 2 on Form S-1 (File No. 333-224317), is incorporated by reference.
(b)
Transition
        Representation Letter
- Independent Registered Public Accounting Firm, pursuant to S-K, item 304, filed on April 17, 2018, as Exhibit 99(b) to Registrant's initial registration on Form S-1 (File No. 333-224317), is incorporated by reference.
* 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 28th day of September, 2021.
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
By:
/S/ Jasmine M. Jirele
(1)
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 September 28, 2021.
Signature
Title
Jasmine M. Jirele
(1)
Chair of the Board and Chief Executive Officer
Eric Thomes
(1)
Director and President
Gary A. Smith
(1)
Director
Martha Clark Goss
(1)
Director
Steven J. Thiel
(1)
Director, Vice President and Appointed Actuary
Ronald M. Clark
(1)
Director
William E. Gaumond
(1)
Director, Chief Financial Officer and Treasurer
(principal accounting officer)
Lorraine Lods
(1)
Director
Kevin E. Walker
(1)
Director
(1)
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
24(c)
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