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  <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 2.65pt; font-family: 'Times New Roman'; font-size: 10pt;">As filed with the Securities and Exchange Commission on April 16, 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: 94.15pt; line-height: 15.95pt; margin-top: 0.1pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
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  <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.05pt; line-height: 11.25pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><font style="font-size: 14pt;">FORM S-1 REGISTRATION STATEMENT</font> </div>
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  <div style="text-align: center; margin-right: 93.95pt; margin-left: 94.15pt; line-height: 12.5pt; font-family: 'Times New Roman'; font-size: 11pt;">UNDER THE SECURITIES ACT OF 1933</div>
  <div style="text-align: center; margin-right: 94.1pt; margin-left: 94.15pt; line-height: 15.35pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">Allianz Life Insurance Company of New York</div>
  <div style="text-align: center; margin-right: 91.85pt; margin-left: 94.15pt; line-height: 11.3pt; font-family: 'Times New Roman'; font-size: 10pt;">(Exact name of Registrant as specified in its charter)</div>
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          <div style="text-align: center; margin-left: 6.95pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">New York</div>
          <div style="text-align: center; text-indent: 0.1pt; margin-left: 6.95pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(State or other jurisdiction of incorporation or organization)</div>
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          <div style="text-align: center; margin-left: 4.1pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">6311</div>
          <div style="text-align: center; text-indent: -0.2pt; margin-left: 8.6pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(Primary Standard Industrial Classification Code Number)</div>
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          <div style="text-align: center; margin-left: 5.8pt; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">13-3191369</div>
          <div style="text-align: center; margin-right: 5.05pt; margin-left: 5.8pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(I.R.S. Employer</div>
          <div style="text-align: center; margin-right: 4.7pt; margin-left: 5.8pt; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">&#160;Identification No.)</div>
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  <div style="text-align: center; margin-right: 164.7pt; margin-left: 164.65pt; line-height: 11.85pt; margin-top: 3.65pt; font-family: 'Times New Roman'; font-size: 10pt;">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'; font-size: 10pt;">(212) 586-7733</div>
  <div style="text-align: left; text-indent: -187.6pt; margin-left: 198.6pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">(Address, including zip code, and telephone number, including area code, of Registrant&#8217;s principal executive
    offices)</div>
  <div style="text-align: center; margin-right: 198.2pt; margin-left: 198.15pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Stewart D. Gregg, Esq.</div>
  <div style="text-align: center; margin-right: 64.8pt; margin-left: 72pt; line-height: 11.85pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Allianz Life Insurance Company of North America</div>
  <div style="text-align: center; margin-right: 6.3pt; margin-left: 9pt; line-height: 11.85pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">5701 Golden Hills Drive Minneapolis, MN 55416</div>
  <div style="text-align: center; margin-right: 94.05pt; margin-left: 94.15pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">(763) 765-2913</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'; font-size: 10pt;">(Name, address, including zip code, and telephone number, including area code, of agent for
    service)</div>
  <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Approximate date of commencement of proposed sale to the public:</div>
  <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Times New Roman'; font-size: 10pt;">As soon as practicable after this registration statement becomes effective.</div>
  <div style="text-align: left; margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">If any of the securities being registered on this Form are to be offered on a delayed or
    continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. [X]</div>
  <div style="text-align: left; margin-right: 17.3pt; margin-left: 11pt; line-height: 11.85pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated
    filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer&#8221; and &#8220;smaller reporting company&#8221; in Rule 12b-2 of the Exchange Act.</div>
  <div style="text-align: left; margin-left: 11pt; line-height: 11.4pt; margin-top: 6pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Large accelerated filer</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;


    </font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[ &#160; ]<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.03pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#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; </font>[&#160;&#160; ]</font></div>
  <div style="text-align: left; margin-right: 131.7pt; margin-left: 11pt; line-height: 11.9pt; margin-top: 0.5pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Non-accelerated filer</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.02pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[X]<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>Smaller reporting company [ &#160; ] (Do not check if a smaller reporting company)</font></div>
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <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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          <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 Deferred Annuity Contract</div>
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="margin-left: 16.149pt; line-height: 5.7pt; margin-top: 5.5pt; font-family: 'Arial Narrow'; font-size: 5pt;"><font style="font-size: 8pt;">$300,000,000</font>(1)</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: 5.7pt; margin-top: 5.5pt; font-family: 'Arial Narrow'; font-size: 5pt;"><font style="font-size: 8pt;">NA</font>(2)</div>
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="margin-left: 24.4pt; line-height: 9.1pt; margin-top: 5.5pt; font-family: 'Arial Narrow'; font-size: 8pt;">$2,585,000,000</div>
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          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="margin-left: 28.6pt; line-height: 5.7pt; margin-top: 5.5pt; font-family: 'Arial Narrow'; font-size: 5pt;"><font style="font-size: 8pt;">$315,764</font>(3)</div>
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            <div style="margin-left: 11pt; line-height: 9.9pt; margin-top: 6.5pt; font-family: Calibri; font-size: 8pt;">(1)</div>
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            <div style="text-indent: 10.6pt; line-height: 9.9pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 8pt;">The total registered amount includes $300,000,000 of securities was previously registered on May 2, 2014, $285,000,000
              registered on April 8, 2016,&#160; $50,000,000 registered on April 1, 2017, $400,000,000 registered on April 6, 2018, $250,000,000 registered on April 16, 2019, $1,000,000,000 registered on April 9, 2020 and $300,000,000 being registered with this
              Registration, by the Registrant under the Registration statements on Form S-1 (File Nos. 333-192948, 333-210671, 333-217304, 333-224317, 333-230916, and 333-237622), initially declared effective on May 9, 2014, April 25, 2016, May 1, 2017,
              May 1, 2018, April 29, 2019, and May 1, 2020. Pursuant to Rule 415(a)(6) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), all unsold securities from the Prior Registration Statements will be added to this Registration
              Statement and the offering of&#160; securities under the Prior Registration Statement will be deemed terminated as of the date of effectiveness of this Registration Statement. As of December 31, 2020, there were $689,163,798 of unsold securities
              registered pursuant to the Prior Registration Statements.</div>
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            <div style="margin-left: 11pt; line-height: 9.9pt; font-family: Calibri; font-size: 8pt;">(2)</div>
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            <div style="text-indent: 10.6pt; line-height: 9.9pt; font-family: 'Times New Roman'; font-size: 8pt;">The proposed maximum offering price per unit is not applicable since these securities are not issued in predetermined amounts or units. The
              full registration fee will be paid upon pre-effective amendment.</div>
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            <div style="margin-left: 11pt; line-height: 9.9pt; margin-top: 0.1pt; font-family: Calibri; font-size: 8pt;">(3)</div>
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            <div style="text-indent: 1.15pt; line-height: 9.9pt; margin-top: 0.1pt; font-family: 'Times New Roman'; font-size: 8pt;">The Registrant previously paid a registration fee in the amount of $38,640, $28,699, $5,795, $49,800, $30,300, and $129,800
              with respect to the securities registered to the Prior Registration Statements. Securities registered pursuant to the Prior Registration Statement that are unsold as of the effective date of this Registration Statement will be included in
              this Registration Statement pursuant to Rule 415(a)(6) as of the</div>
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  <div style="text-align: left; margin-right: 17.3pt; margin-left: 27pt; line-height: 9.9pt; margin-top: 0.1pt; font-family: 'Times New Roman'; font-size: 8pt;"><a name="z_GoBack"></a>effective date. The previously paid fee will continue to be applied to
    such unsold shares, which the Registrant may continue to offer and sell. The Registrant is paying a registration fee with this registration statement in the amount of $32,730.</div>
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  <div style="text-align: left; margin-right: 51.75pt; margin-left: 7pt; line-height: 11.85pt; margin-top: 2.65pt; font-family: 'Times New Roman'; font-size: 10pt;">The Registrant hereby amends this registration statement on such date or dates as may be
    necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or
    until the registration statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.</div>
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  <div style="text-align: left; margin-right: 1.8pt; margin-left: 7pt; line-height: 11.4pt; margin-top: 3.65pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to Rule 429, the prospectus filed herewith is combined with the prospectus from the
    Prior Registration Statements (File Nos. 333-192948, 333-210671, 333-217304, 333-224317, 333-230916, and 333-237622).</div>
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  <div style="text-align: center; text-indent: 0.1pt; line-height: 17.8pt; margin-top: 2.8pt; font-family: Arial; font-size: 12pt;">PART I PROSPECTUS</div>
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        <div style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:bold;line-height:13pt;text-align:center;text-decoration:none;text-transform:uppercase;">ALLIANZ Index Advantage<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York VARIABLE ANNUITY CONTRACT</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 4pt; text-align: center; text-decoration: none; text-transform: none;">An individual flexible purchase payment
          index-linked and variable deferred annuity contract <font style="font-weight:bold;">(the Contract)</font></div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 12pt; text-align: center; text-decoration: none; text-transform: none;">Issued by Allianz Life<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> of NY Variable Account C <font style="font-weight:bold;">(the Separate Account)</font> and</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 12pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Life Insurance Company of New York <font style="font-weight:bold;">(Allianz Life of New York, we, us, our)</font></div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 4pt; text-align: center; text-decoration: none; text-transform: none;">Prospectus Dated: April 30, 2021</div>
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          <table cellspacing="0" cellpadding="0" id="z38d5223273e34e0992d8058b43dbc654" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:80.36%;">

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                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.32%;">Standard Annuity Features </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:56.68%;">Available Investment Options </td>
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                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.32%;">&#8226;&#8194;Five fixed annuitization options<br>
                  <font style="font-weight:bold;">(Annuity Options)</font>&#8226;&#8194;Free withdrawal privilege 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 </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:56.68%;">&#8226;&#8194;8 index-linked investment options <font style="font-weight:bold;">(Index Options) </font>based on different combinations of
                  two credit calculation methods <font style="font-weight:bold;">(Crediting Methods)</font> and four nationally recognized third-party broad based equity securities indexes <font style="font-weight:bold;">(Index or Indexes)</font>&#8226;&#8194;Three
                  variable investment options<br>
                  <font style="font-weight:bold;">(Variable Options)</font> </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The risk of loss can become greater in the case of an early withdrawal 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:8pt;">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>
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        <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" id="za4396f10c61d494e9f660ab6b753d459" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:80.36%;">

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                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.32%;">Crediting Methods Currently Available </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:56.68%;">Indexes Currently Available with All Crediting Methods </td>
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                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:43.32%;">&#8226;&#8194;Index Protection NY Strategy<br>
                  &#8226;&#8194;Index Performance Strategy </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:56.68%;">&#8226;&#8194;S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<br>
                  &#8226;&#8194;Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<br>
                  &#8226;&#8194;Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index<br>
                  &#8226;&#8194;EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> </td>
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              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;">Crediting Methods and Indexes may not be available to previously issued Contracts as detailed in Appendix F. </td>
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        <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" id="z9f95eb27d34d44918951db6a0080aff6" 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%;">

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                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;">Crediting Method Highlights<br>
                  <font style="font-size:8pt;font-weight:Normal;line-height:10pt;">All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits from
                    positive Index performance. </font><font style="font-size:8pt;line-height:10pt;">Performance Credits</font><font style="font-size:8pt;font-weight:Normal;line-height:10pt;"> are the annual return you receive when you allocate assets to
                    an Index Option.</font> </td>
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                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:1.75pt;text-align:center;vertical-align:bottom;width:18.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;">Negative Index Performance Protection </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;">Positive Index Performance Participation Limit </td>
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                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;">Index Protection NY Strategy </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:41.00%;">&#8226;&#8194;<font style="font-weight:bold;">Buffers</font> (the amount of negative Index performance we absorb)<br>
                  &#8211;&#8194; Buffers cannot be less than 5% </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:41.00%;">&#8226;&#8194;<font style="font-weight:bold;">Caps</font> (the <font style="font-weight:bold;">upper limit</font> on positive Index
                  performance)<br>
                  &#8211;&#8194; Caps cannot be less than 1.50% </td>
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                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;">Index Performance Strategy </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;">&#8226;&#8194;<font style="font-weight:bold;">Buffers<br>
                  </font>&#8211;&#8194; Buffers cannot be less than 5% </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;">&#8226;&#8194;Caps<br>
                  &#8211;&#8194; Caps cannot be less than 1.50% </td>
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        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">The Contract&#8217;s risks are described in Risk Factors on page 17 of this
          prospectus.</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zd7e9ec25333e45aaa986364060f1dd3f" 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%;">

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                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;">Variable Options Currently Available </td>
              </tr>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:4pt;padding-right:6pt;padding-top:2.12pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.99%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> MVP Growth Index Strategy Fund </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2.12pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:35.05%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> MVP Balanced Index Strategy Fund </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt;padding-top:2.12pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:32.96%;">AZL<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Government Money Market Fund </td>
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        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; 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 value of your Purchase Payments based on the returns of your selected Allocation Options reduced
          for Contract fees, expenses and withdrawals.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 year-long period <font style="font-weight:bold;">(Index Year)</font> as measured by the Index Return and the applicable Buffer
          or Cap. An Index Year is a twelve-month period beginning on the <font style="font-weight:bold;">Index</font></div>
      </div>
      <div type="Block" style="margin-top:1pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;1&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
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        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; text-decoration: none; text-transform: none;">Effective Date<font style="font-weight:Normal;"> or a subsequent Index Anniversary.
            The </font>Index Return<font style="font-weight:Normal;"> is the percentage change in Index Value from the Index Effective Date or an Index Anniversary to the next Index Anniversary. The </font>Index Value<font style="font-weight:Normal;"> is
            the Index&#8217;s price at the end of the Business Day on the Index Effective Date and each Index Anniversary. The </font>Index Effective Date<font style="font-weight:Normal;"> is the first day we allocate assets to an Index Option. An </font>Index
          Anniversary<font style="font-weight:Normal;"> is a twelve-month anniversary of the Index Effective Date and is the date we apply Performance Credits. </font>Because we calculate Index Returns only on a single date in time, you may experience
          negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most, of the Index Year.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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-style:italic;font-weight:bold;">A negative Performance Credit means that you can lose principal and previous earnings.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Caps that we use to determine Performance Credits for a Contract
          can change on each Index Anniversary <font style="font-style:italic;font-weight:bold;">and may vary substantially based on market conditions. However, in extreme market environments, it is possible that all Caps will be equal and reduced to the
            minimum of 1.50%.</font> Buffers that we use to determine Performance Credits for a Contract do not change once they are established. 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. For historical information on the Buffer and Caps, see Appendix C. For historical Index Option performance information, see Appendix D.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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</div>
      </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;2&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;">
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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 type="Block" style="margin-top:641pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;3&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="JOB_Index_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"></a>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 14pt; text-decoration: none; text-transform: none;">TABLE OF CONTENTS<br>
        </div>
      </div>
      <div style="margin-top:3pt;">
        <div type="Block" style="float:left;overflow:hidden;position:relative;width:47.73%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="zae96734e1d8645449b5ee761bdfe6fee" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:100.00%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:96.10%;">
                    <div style="float:left;"><a href="#xx_03ca0746-f6ac-49f4-8a46-6bbab4470beb_1">Glossary</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">6 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:96.10%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_3">How Do the Crediting Methods Work?</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_4">How Do the Crediting Methods Compare?</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_4">Bar Chart Examples of the Crediting Methods Performance</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_6">Can the Crediting Methods or Indexes Change?</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_6">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_7">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">16 </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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_7">What Is the Daily Adjustment?</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">16 </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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_8">What is the Performance Lock?</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">17 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_8">Risk Factors</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">17 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_8">Liquidity Risks</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_9">Risks of Investing in Securities</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_9">Risk of Negative Returns</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">18 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_10">Risks Associated with Calculation of Performance Credits</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">19 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_10">Risks Associated with Performance Locks</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">19 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_11">Substitution of an Index</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">20 </td>
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                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_11">Changes to Caps and Buffers</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">20 </td>
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                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_12">Investment in Derivative Hedging Instruments</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">21 </td>
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                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_12">Our Financial Strength and Claims-Paying Ability</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">21 </td>
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                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_13">Regulatory Protections</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">22 </td>
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                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_13">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">22 </td>
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                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_13">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_13">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_14">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_15">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">24 </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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_16">1.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_16">The Contract</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">25 </td>
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                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_16">Financial Adviser Fees</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">25 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17">When the Contract Ends</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-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>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17">2.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;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_f7d8855a-293d-4d8e-a067-19a772794dc6_17">Ownership, Annuitant, Determining Life, Beneficiary, and Payee</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">26 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17">Owner</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">26 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17">Joint Owner</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">26 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_17">Annuitant</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">26 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19">Determining Life (Lives)</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">28 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19">Beneficiary</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">28 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_19">Payee</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">28 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_20">Assignments, Changes of Ownership and Other Transfers of Contract Rights</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-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>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="float:right;overflow:hidden;position:relative;width:47.73%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z32bcfe62b20c4471afc183fde50c6f4b" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_20">3.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_20">Purchasing the Contract</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">29 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_20">Purchase Requirements</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">29 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_20">Applications Sent Electronically</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">29 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_21">Allocation of Purchase Payments and Contract Value Transfers</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22">Automatic Investment Plan (AIP)</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22">Free Look/Right to Examine Period</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22">4.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_22">Variable Options</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_24">Substitution of Variable Options and Limitation on Further Investments</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_24">Transfers Between Variable Options</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_24">Electronic transfer and Allocation Instructions</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_24">Electronic transfer and Allocation Instructions</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_25">Excessive Trading and Market Timing</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_26">Voting Privileges</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_27">5.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_27">Valuing Your Contract</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_27">Determining Variable Account Value</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">36 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_28">Determining Index Option Values</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_29">Calculating Performance Credits</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">38 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_29">Daily Adjustment</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">38 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_29">Performance Locks</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">38 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30">Optional Reallocation Program</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">39 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30">6.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30">Expenses</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">39 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_30">Product Fee</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">39 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_32">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">41 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_32">Withdrawal Charge</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">41 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_34">Transfer Fee</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">43 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_34">Premium Tax</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">43 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_34">Income Tax</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">43 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35">Variable Option Expenses</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">44 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35">7.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_35">Access to Your Money</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">44 </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>
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                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36">Free Withdrawal Privilege</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">45 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36">Systematic Withdrawal Program</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">45 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">45 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">45 </td>
                </tr>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_36">Suspension of Payments or Transfers</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-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>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">8.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">The Annuity Phase</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">46 </td>
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                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">Calculating Your Annuity Payments</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">46 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_37">Annuity Payment Options</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">46 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_38">When Annuity Payments Begin</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">47 </td>
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                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_38">9.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_38">Death Benefit</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">47 </td>
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                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_39">Death of the Owner and/or Annuitant</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">48 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_40">Death Benefit Payment Options During the Accumulation Phase</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">49 </td>
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                  <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_40">Death Benefit Payment Options</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-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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            </table>
          </div>
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      </div>
      <div style="clear:both;">&#160;
        <div type="Block" style="clear:both;padding-top:49pt;width:100%;">
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;"> </div>
      </div>
      <div type="Block" style="padding-top:4pt;width:100%;">
        <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_f7d8855a-293d-4d8e-a067-19a772794dc6_41">Allianz Index
            Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</a></div>
      </div>
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f9aeb4e4-3ac7-4f83-8a94-112124837d46_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-decoration:none;text-transform:none;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_41">&#160;4&#160;</a></div>
        <div><font style="font-size:11pt;font-weight:Normal;line-height:14pt;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_41">TABLE OF CONTENTS </a></font></div>
      </div>
      <div style="margin-top:12pt;">
        <div type="Block" style="float:left;overflow:hidden;position:relative;width:47.73%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z6bbf56ac105e42f78ee248314fb52332" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_41">10.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_41">Taxes</a></div>
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                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_41">Qualified and Non-Qualified Contracts</a></div>
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                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">50 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_41">Taxation of Annuity Contracts</a></div>
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                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">50 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
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                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_42">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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">51 </td>
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                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_42">11.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_42">Other Information</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">51 </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>
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                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_42">The Registered Separate Account</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">51 </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_f7d8855a-293d-4d8e-a067-19a772794dc6_43">Our General Account</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_43">Our Unregistered Separate Account</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_43">Distribution</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_45">Additional Credits for Certain Groups</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">54 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_45">Administration/Allianz Service Center</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">54 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_45">Legal Proceedings</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">54 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_45">Status Pursuant to Securities Exchange Act of 1934</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_45">12.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_45">Information on Allianz Life of New York</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_46">Directors, Executive Officers and Corporate Governance</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">55 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_50">Executive Compensation</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_59">Security Ownership of Certain Beneficial Owners and Management</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">68 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_59">Transactions with Related Persons, Promoters and Certain Control Persons</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">68 </td>
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                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_59">Business and Operational Risks Relevant to the Contract</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">68 </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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_65">13.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f7d8855a-293d-4d8e-a067-19a772794dc6_65">Financial Statements</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">74 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_3c5b884e-9f1c-45a5-9037-c195b109f6aa_1">14.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_3c5b884e-9f1c-45a5-9037-c195b109f6aa_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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">75 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.97%;"><a href="#xx_dd4b1fd7-8ad2-48a6-a6b5-3571e75adc3d_1">15.</a> </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_dd4b1fd7-8ad2-48a6-a6b5-3571e75adc3d_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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">77 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_1">Appendix A &#8211; Available Indexes</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">78 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_1">S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">78 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_1">Russell 2000<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">78 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_2">Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">79 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_2">EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup></a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:3.90%;">79 </td>
                </tr>

            </table>
          </div>
        </div>
        <div type="Block" style="float:right;overflow:hidden;position:relative;width:47.73%;">
          <div style="text-align:center;">
            <table cellspacing="0" cellpadding="0" id="z8596a01b2a8c4b869af2aea9a99fcc1e" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:3pt;width:100.00%;">

                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_4a6214d2-d8e6-4947-b071-e05dac3cb8f1_1">Appendix B &#8211; Daily Adjustment</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">81 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_cd237469-cff0-42b2-83fc-7fdf279e2827_1">Appendix C &#8211; Historical Buffers and Initial and Renewal Caps</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">83 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_cd237469-cff0-42b2-83fc-7fdf279e2827_1">Index Protection NY Strategy</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">83 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_cd237469-cff0-42b2-83fc-7fdf279e2827_2">Index Performance Strategy</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">84 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_dee929be-a8e9-4895-8956-65538375ab99_1">Appendix D &#8211; Historical Index Option Performance Information</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">86 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_dee929be-a8e9-4895-8956-65538375ab99_2">Index Performance Strategy with the S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">87 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_1940c5d3-2b84-48e5-8848-f6bf8ef7cab8_1">Appendix E &#8211; Annual Contract Fees Calculation Examples</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">88 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_deb56f73-ec3b-4b6b-b148-14bf0c41802e_1">Appendix F &#8211; Material Contract Variations by Issue Date</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_deb56f73-ec3b-4b6b-b148-14bf0c41802e_1">Crediting Method and/or Index Availability Restrictions</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">89 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:0pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_deb56f73-ec3b-4b6b-b148-14bf0c41802e_1">Automatic Performance Lock Availability Restrictions</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">89 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td colspan="2" style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:96.10%;">
                    <div style="float:left;"><a href="#xx_f5a010e1-839e-4b4e-87d9-969ee15f0332_1">Appendix G &#8211; Selected Financial Data and Statutory Financial Statements</a></div>
                    <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:3pt;vertical-align:auto;">
                  </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width:3.90%;">90 </td>
                </tr>
                <tr style="page-break-inside:avoid;">
                  <td style="line-height:10pt;padding-bottom:1.5pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:8.97%;">&#160; </td>
                  <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f5a010e1-839e-4b4e-87d9-969ee15f0332_1">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ended December 31, 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:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-top:1.5pt;text-align:right;text-decoration:none; text-transform:none;vertical-align:bottom;white-space:nowrap;width: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:11pt;padding-bottom:1.5pt;padding-left:2pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:87.13%;">
                    <div style="float:left;"><a href="#xx_f5a010e1-839e-4b4e-87d9-969ee15f0332_1">Statutory Financial Statements</a></div>
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                    <div style="float:left;"><a href="#xx_48f6378b-4e44-4c19-8dc2-3a0a3a72cf37_1">For Service or More Information</a></div>
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                    <div style="float:left;"><a href="#xx_48f6378b-4e44-4c19-8dc2-3a0a3a72cf37_1">Our Service Center</a></div>
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      <div style="clear:both;">&#160;
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          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <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;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        </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;5&#160;</div>
      </div>
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_03ca0746-f6ac-49f4-8a46-6bbab4470beb_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Glossary</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Buffer<font style="font-weight:Normal;"> &#8211; for any Index Option, this
            is the negative Index Return that we absorb before applying a negative Performance Credit. 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: 12pt; 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, except, with regard to a specific Variable Option, when that Variable Option does not value its shares. 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: 12pt; 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 and the maximum potential Performance Credit for an Index Option. We set a Cap for each Index Option on the Index Effective Date and each Index Anniversary. The Caps applicable to your Contract are
            shown on the Index Options Statement.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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), adjusted for subsequent Purchase Payments and any Contract Value withdrawn.
            Withdrawal adjustments include all withdrawals (even Penalty-Free Withdrawals) and any amounts we withdraw for any Contract fees and expenses. 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: 12pt; 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.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Contract Value<font style="font-weight:Normal;"> &#8211; the value of your
            Purchase Payments based on the returns of your selected Allocation Options reduced for previously assessed Contract fees and expenses, and withdrawals. On any Business Day, your Contract Value is the sum of your Index Option Value(s) and
            Variable Account Value. The Variable Account Value component of the Contract Value fluctuates each Business Day that money is held in a Variable Option. The Index Option Value component of the Contract Value is adjusted on each Index
            Anniversary to reflect Performance Credits, which can be negative . </font>A negative Performance Credit means that you can lose principal and previous earnings.<font style="font-weight:Normal;"> The Index Option Values also reflect the Daily
            Adjustment on every Business Day other than the Index Effective Date or an Index Anniversary. The 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 that we would apply on liquidation.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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 type="Block" style="margin-top:6pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;6&#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_03ca0746-f6ac-49f4-8a46-6bbab4470beb_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Daily Adjustment<font style="font-weight:Normal;"> &#8211; how we calculate
            Index Option Values on days other than the Index Effective Date or an Index Anniversary for each Index Option as discussed in the Summary &#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 next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index Anniversary.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 Indexes available to you under your Contract. The Indexes are described in Appendix A.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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. &#160;It is the date we apply Performance Credits. If an Index Anniversary does not occur on a Business Day, we consider it to occur on the next Business Day for the
            purposes of determining Index Values and Index Returns, applying Performance Credits, and setting the Caps.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; 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 and a Crediting Method.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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 equal to the amounts you allocate to an Index Option adjusted for withdrawals, Contract fees and expenses, transfers into or out of the Index Option, and
            the application of any Performance Credits.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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 Index
            Anniversaries and reflects deduction of any previously assessed contract maintenance charge, product fee, and withdrawal charge. On each Business Day during the Index Year other than the Index Effective Date or an Index Anniversary, each Index
            Option Value also includes the Daily Adjustment.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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 for the Index Options you selected. On each Index Anniversary,
            the statement shows the new Index Values, Performance Credits received, and renewal Caps that are effective for the next year for the Index Options you selected. The Index Options Statement also shows the applicable Buffer for your selected
            Index Option(s).</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; 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. The Index Performance Strategy calculates Performance Credits based on Index Returns subject to a Cap and Buffer. You can receive
            negative Performance Credits, which means you can lose principal and previous earnings. The Index Performance Strategy provides the highest potential returns. Its Caps will generally be greater than the Index Protection NY Strategy Caps. The
            Index Performance Strategy is more sensitive to large negative market movements because small negative market movements are absorbed by the Buffer.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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</font></div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_03ca0746-f6ac-49f4-8a46-6bbab4470beb_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Index Return<font style="font-weight:Normal;"> &#8211; the percentage
            change in Index Value from the Index Effective Date or an Index Anniversary to the next Index Anniversary, which we use to determine the Performance Credits for any Index Option. The Index Return is an Index&#8217;s current Index Value, minus its
            Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index Anniversary), divided by its Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index Anniversary).</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Index Value<font style="font-weight:Normal;"> &#8211; an Index&#8217;s price at
            the end of the Business Day on the Index Effective Date and each Index Anniversary as provided by Bloomberg or another market source if Bloomberg is not available.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Lock Date<font style="font-weight:Normal;"> &#8211; this is the Business
            Day we execute a Performance Lock and capture an Index Option Value (which </font><font style="text-decoration:underline;">includes</font><font style="font-weight:Normal;"> the Daily Adjustment) before the Index Anniversary.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Penalty-Free Withdrawals<font style="font-weight:Normal;"> &#8211;
            withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and payments you take under our minimum distribution program. Penalty-Free Withdrawals are not subject to a withdrawal charge.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Performance Credit<font style="font-weight:Normal;"> &#8211; the Credit you
            receive on an Index Anniversary for any Index Option . We base Performance Credits on Index Values and Index Returns limited by the Variable Not Found. 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Proxy Investment<font style="font-weight:Normal;"> &#8211; provides a
            current estimate of what the Performance Credit will be on the next Index Anniversary taking into account any applicable Buffer and Cap. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other than the Index
            Effective Date or an Index Anniversary. For more information, see Appendix B.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;8&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_03ca0746-f6ac-49f4-8a46-6bbab4470beb_4"> </a>
      <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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, any previously assessed transfer fee, contract maintenance charge, product fee, and withdrawal charge.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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 type="Block" style="margin-top:379pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;9&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Summary</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z0d0de67343394aaf8c4e4791dba96644" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

              <tr style="page-break-inside:avoid;">
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;">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:12pt;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:12pt;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:12pt;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:12pt;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:12pt;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)</font> </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-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 Anniversary, you can transfer Variable Account Value to the available Index Options, and you can transfer <font style="font-weight:bold;">Index Option Value</font> (the portion of your Contract Value in a particular Index
                  Option) between Index Options.<br>
                  &#8226;&#8194; Purchase Payments you allocate to an Index Option must be held in the Index Option for one full Index Year 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 an Index Option are not eligible to receive a Performance Credit until the second Index Anniversary after we receive them.<br>
                  </font>&#8226;&#8194;You can only transfer Index Option Value to the Variable Options on every sixth Index Anniversary, <font style="font-style:italic;font-weight:bold;">at which point you can do so even if the assets you wish to transfer have been
                    in the Index Options for less than six full years.</font> </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width: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:12pt;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 <font style="font-weight:bold;">Daily Adjustment</font> is how we calculate Index Option Values on days other than the Index Effective Date or an Index
                  Anniversary. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index
                  Anniversary. The Daily Adjustment takes into account any Index gains subject to the Cap, 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. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width: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:12pt;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 Index Year for any Index Option . If we execute a Performance Lock for an Index
                  Option we do not apply the Daily Adjustment to it for the remainder of the Index Year and the Index Option Value will not receive a Performance Credit on the next Index Anniversary. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt Solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right: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:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width: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 Contract Value on the preceding Quarterly Contract Anniversary, adjusted for subsequent Purchase Payments and withdrawals). </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:10pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;10&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z43a87912d1d54f7dba7295ba23cba954" 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%;">

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                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;">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:12pt;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:12pt;padding-left:13pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:79.23%;">&#8226;&#8194;An 8.5% 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 0.64% 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 bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">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:8pt;">2</font> may also be subject to a 10% additional federal tax. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width: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:12pt;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> </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width: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:12pt;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>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Minimum Distribution Program<font style="font-weight:Normal;"> </font>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:12pt;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:12pt;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:12pt;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:12pt;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:12pt;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:12pt;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:12pt;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 total Purchase Payments adjusted for withdrawals.<br>
                  &#8226;&#8194;<font style="font-weight:bold;">Withdrawals reduce your total Purchase Payments proportionately, </font><font style="font-style:italic;font-weight:bold;">which means this value may be reduced by more than the amount withdrawn</font><font style="font-weight:bold;">.<br>
                  </font>&#8226;&#8194;<font style="font-weight:bold;">If you change Owner(s) the death benefit may be reduced to Contract Value.</font> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Material Contract Variations<br>
                  <font style="font-weight:Normal;">(see Appendix F)</font> </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:79.23%;">The product or certain product features may not currently be available in all Contracts or may not be available from all selling
                  firms or from all Financial Professionals. Your Financial Professional can also provide information regarding availability of Allocation Options. </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:26pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;11&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zec0a8a4743aa404a890768f1732335d5" 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%;">

              <tr style="page-break-inside:avoid;">
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:100%;">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:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:6pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;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:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width: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: 12pt; 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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; 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 and Caps. Caps 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 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: 12pt; 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: 12pt; 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="2" id="z9019df94dc95441191ab24ac8797c862" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z08c3855d37e34588afac5f91ffcbef39" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">less than
                  or equal to the 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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;">greater than the 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: 12pt; 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="2" id="z5a8d0ab3197b4cb7845df0d5081b968e" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zed13dcab79614602832a1a38bb79bbb5" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">less than
                  or equal to the 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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;">greater than the 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: 12pt; 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" id="z5aaa4b68a50e4921854668b9dacfee06" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
      </div>
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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-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;12&#160;</div>
      </div>
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="ze9ac8af34d664206bdb09f4dc4a93f55" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:10pt;padding-bottom:1.75pt;padding-right:4pt;padding-top:4pt;text-align:center;vertical-align:bottom;width:10.63%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:43.35%;">Index Protection NY Strategy </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:46.01%;">Index Performance Strategy </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;">What is the asset protection? </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;">&#8226;&#8194;Most protection &#8211; 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 one Index Year.<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:12pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;">&#8226;&#8194;Less protection &#8211; generally has lower Buffers than the Index Protection NY 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 one Index Year.<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. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;">What is the growth opportunity? </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-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 Cap. </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:11pt;padding-right:4pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;">&#8226;&#8194;Most growth opportunity &#8211; generally has higher Caps than the Index Protection NY Strategy.<br>
                  &#8226;&#8194;Growth opportunity limited by the Cap.<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:12pt;padding-bottom:4pt;padding-left:4pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:10.63%;">What can change within a Crediting Method? </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt; padding-right:4pt;padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:43.35%;">&#8226;&#8194;Renewal Caps for existing Contracts can change annually.<br>
                  &#8226;&#8194;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 1.50% minimum, and Buffers are subject to a 5% minimum. </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:11pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:46.01%;">&#8226;&#8194;Renewal Caps for existing Contracts can change annually.<br>
                  &#8226;&#8194;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 1.50% minimum, and Buffers are subject to a 5% minimum. </td>
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          </table>
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        <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" id="z73ccc3b7064b480db54cf0f2796f9580" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.99%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Arial Narrow;font-family:Arial Narrow;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:11.0pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-indent:-7pt;text-transform:none;text-transform:none; vertical-align:top;width:100%;">&#8226;
                  &#8194;<font style="font-weight:bold;">You participate in any negative Index Return in excess of the Buffer</font>, which reduces your Contract Value. For example, if we set the Buffer at 5% we would absorb the first -5% of Index Return and you
                  could lose up to 95% 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 as set by us from time-to-time may vary substantially based on market conditions. <font style="font-style:italic;font-weight:bold;">However, in extreme market environments, it is possible that all Caps will be equal and reduced to
                    the minimum of 1.50%</font>.<br>
                  &#8226;&#8194;<font style="font-style:italic;font-weight:bold;">Buffers and Caps can be different from Index Option to Index Option</font>. For example, Caps for the Index Performance Strategy can be different between the S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index and the Nasdaq-100<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index, and Caps for
                  the S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index can be different between the Index Protection NY Strategy and Index Performance Strategy. <font style="font-style:italic;font-weight:bold;">They may also be different from Contract-to-Contract depending on Index Effective Date</font>. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following hypothetical examples show conceptually how the
          Crediting Methods might work in different market environments and assume no change in the hypothetical Caps. All values below are for illustrative purposes only. The examples do not reflect any Caps or Buffers 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 deduction of the Contract fees and expenses. Historical Index Option performance information is also included in Appendix D.</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-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;13&#160;</div>
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_5"> </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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="margin-top: 0pt; width: 488pt;"> <img alt=" " src="imgbcd0c41c1.jpg"> </div>
        <div style="margin-top: 12pt; width: 484pt;"> <img alt=" " src="imgdcc06d082.jpg"> </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-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;14&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Can the Crediting Methods or Indexes Change?</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We can add new Crediting Methods and Indexes to your Contract in
          the future, and you can allocate Purchase Payments or transfer Contract Value to them on the next Index Anniversary after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or change how it
          calculates Performance Credits. Once we add an Index Option to your Contract, we cannot change its Buffer after it is established. However, we can change the renewal Caps associated with any Index Option on each Index Anniversary.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 an Index Anniversary or during an Index Year. If we substitute an Index during an Index Year, we will combine the return of the previously
          available substituted Index with the return of the new Index. However, if we substitute an Index, we do <font style="font-weight:bold;text-decoration:underline;">not</font> change the Buffers applicable to your Contract, or the current Caps that
          we set on the prior Index Anniversary. Changes to the Caps for the new substituted Index, if any, may occur at the next regularly scheduled Index Anniversary or later Index Anniversaries. For more information, see Risk Factors &#8211; Substitution of
          an Index.</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zf02ce82ab1494a9e8193d476a2144a97" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 12pt; margin-top: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We establish the initial Caps for a newly issued Contract on the
          Index Effective Date and they cannot change until the next Index Anniversary. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract
          Anniversary, but it cannot be the 29th, 30th or 31st of a month. We can change the renewal Caps for an existing Contract annually on each Index Anniversary, in our discretion. Your initial and renewal Caps are stated in your <font style="font-weight:bold;">Index Options Statement</font>, which is the account statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Index Effective
          Date and each subsequent Index Anniversary. We use these Index Values to determine Index Returns and Performance Credits.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">For information on the Buffers, and initial Caps 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 they take effect.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 your current Caps are expiring on the upcoming Index Anniversary, and that renewal Caps for the next Index Year will be available for your review in your account on our website at least seven calendar
          days before the upcoming Index Anniversary. We also have a link to your Contract information with your renewal Caps on our website at www.allianzlife.com/indexratesny , or call (800) 624-0197. The Index Anniversary letter also reminds you of your
          opportunity to transfer Variable Account Value to the Index Options, or reallocate your Index Option Values on the upcoming anniversary.</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z1d44b1fa881d4f3ca126b6ea225011ea" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; If your Contract is within its free
                  look period you may be able to take advantage of any increase in initial Caps by cancelling your Contract and purchasing a new Contract. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; Caps may be different between
                  newly issued and existing Contracts, and between existing Contracts issued on the same month and day in different years. For example, assume that in January 2017 we set Caps for the Index Performance Strategy with the S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index as follows: </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">&#8211;&#8194; 13% initial rate for new Contracts issued in 2017, </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">&#8211;&#8194; 14% renewal rate for existing Contracts issued in 2016, and </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">&#8211;&#8194; 12% renewal rate for existing Contracts issued in 2015. </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:59pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;15&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_7"> </a>
      <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 12pt; 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: 12pt; 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="2" id="z8086d5521b1243eb973d64823e32f598" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                  Contract Value is the sum of your Variable Account Value and Index Option Values. Contract Value reflects any previously deducted Contract fees and expenses, but does not reflect Contract fees and expenses that we would apply on
                  liquidation. The cash surrender value reflects&#160;all fees and charges that we would apply on liquidation. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Your
                  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, rider fees,
                  and any&#160;withdrawal charge. It changes each Business Day based on the performance of the Variable Options. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Your total Index Option Value is the sum of the values in each of your selected Index Options. Each Index Option Value includes any Performance Credits from previous Index Anniversaries and the deduction
                  of any previously assessed contract maintenance charge, product fee, and withdrawal charge. Amounts removed from the Index Options during the Index Year for withdrawals and Contract expenses <font style="font-weight:bold;text-decoration:underline;">do not</font> receive a Performance Credit on the next Index Anniversary, but the amount remaining does receive a Performance Credit subject to the applicable Cap or Buffer. </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z865634d3e484412e8ac11dde518d25b0" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">On each
                  Business Day during the Index Year other than the Index Effective Date or an Index Anniversary, we calculate the current Index Option Value by adding a Daily Adjustment to the Index Option Base. The <font style="font-weight:bold;">Index
                    Option Base</font> is the amount you allocate to an Index Option adjusted for withdrawals, deduction of Contract fees and expenses, transfers into or out of the Index Option, and the application of any Performance Credits. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Daily Adjustment is how we calculate Index Option Values on
          Business Days other than the Index Effective Date or an Index Anniversary for each Index Option. <font style="font-style:italic;font-weight:bold;">The Variable Options are 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: 12pt; 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 beginning of the year. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract expenses or any partial withdrawal).</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; 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 expense deduction or partial withdrawal.
          <font style="font-weight:bold;">Penalty-Free Withdrawals</font> are withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and payments you take under our minimum distribution program. Penalty-Free
          Withdrawals are not subject to a withdrawal charge. The Daily Adjustment does not change the Contract expense deducted or the withdrawal amount; it only changes the Index Option Value from which we deduct the expense or withdrawal.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Daily Adjustment approximates the Index Option Value that will
          be available on the next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z7639a3ef1eb841bf9d8f8a17f6b87c09" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:3pt;width:97.98%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(i) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">any Index
                  gains during the Index Year subject to the Cap, </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:4.13%;">(ii) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:95.87%;">any Index
                  losses greater than the Buffer, and </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:4.13%;">(iii) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:95.87%;">the number of days until the next Index Anniversary.. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 Index Effective Date or an Index Anniversary, based on the formulas described in Appendix B. The <font style="font-weight:bold;">Proxy
            Investment</font> provides a current estimated present value of what the Performance Credit will be on the next Index Anniversary taking into account the applicable Buffer and Cap. The Daily Adjustment is not the actual Index return on the day
          of the calculation, and the estimated present value Performance Credit is not guaranteed. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">A withdrawal taken during the Index Year may not receive the full
          benefit of the Buffer because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the next Index Anniversary. All other factors being equal, even if the current Index return during the Index Year is
          greater than the Cap, the Daily Adjustment will usually be lower than the Cap. This is because there is a possibility that the Index return could decrease before the end of the Index Year. Similarly, even though a negative Index return may be
          within the amount of the Buffer, you still may</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;16&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">receive a negative Daily Adjustment because there is a possibility that the Index
          Return could decrease before the end of the Index Year. <font style="font-style:italic;font-weight:bold;">A negative Daily Adjustment may cause you to realize loss of principal or previous earnings.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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. The Business Day that we execute a Performance Lock is the <font style="font-weight:bold;">Lock Date</font> for that Index Option.</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z55e9166c4b174a389d0480ac169fd3c1" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If you need to take assets from your Contract 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: 12pt; 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 5% withdrawal charge applies. The total withdrawal charge would be $50
          (5% of $1,000). This results in you receiving $750.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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:8pt;">2</font>.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We only apply Performance Credits to the Index Options once each
          Index Year on the Index Anniversary, rather than on a daily basis. In the interim, we calculate Index Option Values based on the Daily Adjustment. Any assets removed from an Index Option during the Index Year for withdrawals you take, Annuity
          Payments, or Contract fees and expenses we deduct, or to amounts you choose to have us withdraw to pay financial adviser fees from this Contract, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Index
          Anniversary. These removed assets will not receive the full benefit of the Index Value 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 Index Anniversary.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You can transfer Index Option Value to a Variable Option only on
          every sixth Index Anniversary, and you may transfer Index Option Values among the Index Options only on an Index Anniversary. At other times, you can only move assets out of an Index Option by taking partial withdrawals, surrendering the
          Contract, or entering the Annuity Phase. These restrictions may limit your ability to react to changes in market conditions. You should consider whether investing in an Index Option is consistent with your financial needs.</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;17&#160;</div>
      </div>
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_9"> </a>
      <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="zbecc6519ba0e48a6a5015d4233c67fc2" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">The COVID-19 pandemic has at times led to significant volatility and negative returns in the financial markets. These market conditions have impacted the performance
                  of the Indexes to which the Index Options are linked, as well as securities held by the Variable Options. If these market conditions continue or reoccur, and depending on your individual circumstances (<font style="font-style:italic;">e.g.</font>,
                  your selected Allocation Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. The COVID-19 pandemic 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 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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. Ongoing Contract fees and expenses, including withdrawal charges, could also cause amounts available for withdrawal to be less
          than what you invested even if Index</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-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 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;18&#160;</div>
      </div>
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 an Index Year (other than the Index Effective Date or an Index Anniversary) by adding the Daily Adjustment. The Daily Adjustment affects the total Contract Value available for withdrawal, annuitization, and 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 year-to-date Index return is greater than the Cap. In addition, even though
          the year-to-date Index return may be positive, the Daily Adjustment may be negative due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. The Daily Adjustment is generally negatively affected by:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zf312ee5390424a2f958702a4ece5396b" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z6525c078cc364dd9a0bfdfb78cb5b23d" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If you take a withdrawal from an Index Option before the Index
          Anniversary, <font style="font-weight:bold;">you could lose principal and previous earnings because of the Daily Adjustment </font><font style="font-style:italic;font-weight:bold;">even if Index performance is positive on that day or has been
            positive since the beginning of the Index Year</font><font style="font-weight:bold;">. If the current Index return during the Index Year is negative, the Daily Adjustment could result in losses greater than the protection provided by the
            Buffer.</font></div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We calculate Performance Credits each Index Year on the Index
          Anniversary. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most, of the Index
          Year. If you allocate Purchase Payments or transfer Contract Value to the Index Options the Caps limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund designed to track
          the performance of the applicable Index, or the Variable Options.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z88a2601b03d141c89d0aa8e278855043" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Caps may be adjusted annually on the Index Anniversary and may vary
          significantly from year to year. Changes to Caps may significantly affect the amount of Performance Credit you receive. For more information, see the &#8220;Changes to Caps and Buffers&#8221; discussion later in this section.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Crediting Methods only capture Index Values on one day each
          year, so you will bear the risk that the Index Value might be abnormally low on these days.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If a Performance Lock is executed:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z19fd70ffa9354399a34a45be25bcf957" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">You will
                  no longer participate in Index performance, positive or negative, for the remainder of the Index Year for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the
                  Index Year. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">You will
                  not receive a Performance Credit on any locked Index Option on the next Index Anniversary. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">We 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. </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:11pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="2" id="z24c17f9d661c41d8b9a741bcd31309a5" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If a
                  Performance Lock is executed when your Daily Adjustment has declined, you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the Index
                  Option was not locked. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">We will not provide advice or notify you regarding whether you should exercise a Performance Lock or the optimal time for doing so. We will not warn you if you exercise a Performance Lock at a sub-optimal
                  time. We are not responsible for any losses related to your decision whether or not to exercise a Performance Lock. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="z9c19fcb6b2564239bd193c022e0f9e6a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If we add or substitute an Index, we first seek any required
          regulatory approval (from each applicable state insurance regulator) and then provide you with written notice. We also provide you with written notice if an Index changes its name. Substitutions of an Index may occur during an Index Year. If we
          substitute an Index during an Index Year we will combine the return of the replaced existing Index from the prior Index Anniversary to the substitution date with the return of the new Index from the substitution date to the next Index
          Anniversary. If we substitute an Index during an Index Year:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z28557bfc726e47efae3c0e2fd2d8f4dd" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Changes to Caps associated with the new Index, if any, may occur at
          the next regularly scheduled Index Anniversary or on later Index Anniversaries. Depending on the constitution of the replaced Index, the volatility of its investments, and our ability to hedge the Index&#8217;s performance, we may determine, in our
          discretion, to increase or decrease renewal Caps associated with the new Index. However, we would not implement any change to reflect this difference until the next Index Anniversary after the substitution. The substitution of an Index during an
          Index Year may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Changes to Caps and Buffers</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z7abd89cb29b247c7a12ce8a31115f734" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We establish Buffers, and initial and renewal Caps 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 where to find information on initial and renewal Caps, and the notice we provide you of renewal
          changes on each Index Anniversary.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">On each Index Anniversary you have the option of remaining
          allocated to your current Index Options at the renewal Caps, or transferring to another permitted Allocation Option, subject to the limitations on transfers from an Index Option to a Variable Option. If you do not review renewal change
          information when it is published, or take no action to transfer to another permitted Allocation Option, you will remain allocated to your current Index Options and will automatically become subject to the renewal Caps until the next Index
          Anniversary.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You risk the possibility that the renewal Caps you receive may be
          less than you would find acceptable. If you do not find the renewal rates acceptable, you must give us transfer instructions no later than the close of the Business Day on the Index Anniversary (or the next Business Day if the anniversary is a
          non-Business Day) or you will be subject to these renewal Caps for the next Index Year. Other than on a sixth Index Anniversary when you can transfer Index Option Value to the Variable Options, when your renewal rates change the only option
          available to you is to transfer Index Option Value between Index Options.</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;20&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Initial and renewal Caps may vary significantly depending upon a
          variety of factors, including:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z2909f71a3d704a1fb172d95dc2541936" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

                  of Contract benefits by Owners, and </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">our profitability goals. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; 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. In a rising interest rate environment, increases in Caps, if any, may be substantially slower than increases in interest rates.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 to reflect these cost changes. The
          primary factor affecting the differences in the initial Caps for newly issued Contracts and renewal rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on
          the investments that were made, and are being held to maturity, for existing Contracts. In some instances we may need to reduce both initial and renewal Caps, or we may need to substitute an Index. You bear the risk that we may reduce Caps, which
          reduces your opportunity to receive positive 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: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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 for existing Contracts.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:13pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;21&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; 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. For more information see section 11, Other Information &#8211; Our Unregistered Separate
          Account.</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z614609a899d04c63b81d0c65ed008718" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">As a result of the COVID-19 pandemic, 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: 12pt; 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: 12pt; 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: 12pt; 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: 13pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="zcebd53ecfdd2495898896815875105da" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:46.66%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-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" id="z21ba616c6b3a4de6a378d47e76f24477" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:67.55%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-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" id="zfca1927c2f5e4c9f93be1eaee5da79f2" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:68.56%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width: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:12pt;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:12pt;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: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Owner Periodic Expenses</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z21496825f2384ace9fb145cb744aec10" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:67.55%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;">
                  <div style="float:left;">Contract Maintenance Charge<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(5)</sup></div>
                  <hr noshade="noshade" style="background-color:transparent;border-bottom:dotted medium Black;border-left:transparent;border-right:transparent;border-top:transparent;margin-bottom:-5pt;margin-top:5pt;padding-top:4.50pt;vertical-align:auto;">
                </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:1pt;padding-left:6pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:7.70%;">$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:12pt;padding-left:10pt;padding-right:6pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:90.51%;">(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="1" id="z0b528eae44ec4c2caa9f93f6995c7602" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:6pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;22&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="1" id="z3a23feb7bc1a44f69e51c8635b2c28e9" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">We count
                  all transfers made in the same Business Day as one transfer, as discussed in section 6, Expenses &#8211; Transfer Fee. The transfer fee does not apply to transfers to or from the Index Options and these transfers do not count against your free
                  transfers. Transfers are subject to the policies discussed in section 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:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(4) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">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>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(5) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Contract Annual Expenses</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z41fe7252bcb6423db61ab6d6ef09bac2" style="border-collapse:collapse;empty-cells:show;margin-top:6pt;width:69.48%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width: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:12pt;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:12pt;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" id="za3863645d4794d24bb0addbf0806e619" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(6) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">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: 12pt; 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: 12pt; 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" id="z84f32b1a363d485d9b6652b04cb9fe7d" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="line-height:10pt;padding-bottom:2.5pt;padding-right:3pt;text-align:center;vertical-align:bottom;width:82.03%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.10%;">Minimum </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:10.08%;">Maximum </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:10pt;padding-right:3pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-indent:-10pt;text-transform:none;vertical-align:top;width:82.03%;">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:12pt;padding-bottom:6pt;padding-left:13pt;padding-right:6pt;padding-top:1.75pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.10%;">0.64% </td>
                <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.08%;">0.71% </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="zb5af8c112fbf42c5b6c54858fe69d79c" 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%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom: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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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 colspan="6" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:uppercase;vertical-align:top;white-space:nowrap;width:100%;">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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;line-height:10pt;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:10pt;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 colspan="6" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">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:10pt;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;">(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:Normal;line-height:10pt;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:10pt;line-height:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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;">(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:Normal;line-height:10pt;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:10pt;line-height:10pt;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:10pt;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:10pt;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:10pt;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" id="z667e9f8522de4efa8cf9ccf99fe8282f" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; 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</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">(maximum charge of 1.25% ) 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" id="z675775de329548a485f52407c9964be3" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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" id="z6e7058afb71f4c51a0fffb75a936cc94" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.03%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:bottom;width:61.86%;">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:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.43%;">1 Year </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">3 Years </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">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:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;">10 Years </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.86%;">0.71% (maximum Investment Option operating exp.) </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:16pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.43%;">$1,013 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,390 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:9pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,743 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:19pt;padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;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:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.86%;">0.64% (minimum Investment Option operating exp.) </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.43%;">$1,006 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,369 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,708 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;">$2,655 </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z1b9c2bdaa89b4cbb856857c9cd28e059" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">2) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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" id="z5444532e2ac343f8a5a9396e736734af" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.03%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom: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:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.32%;">1 Year </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">3 Years </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">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:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;">10 Years </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.98%;">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:12pt;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:12pt;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:12pt;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:12pt;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:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.98%;">0.64% (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:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;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:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$689 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,208 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;">$2,605 </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="zf699b3dc3d434a52b6925c6ab99a3379" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">3) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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" id="zbd458a12eefb4ce5841c93aaaa4acdd4" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:86.03%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom: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:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.32%;">1 Year </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">3 Years </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:9pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.09%;">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:12pt;padding-bottom:2.5pt;padding-left:9pt;padding-right:6pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:12.17%;">10 Years </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:61.98%;">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:12pt;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:12pt;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:12pt;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:12pt;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:12pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:61.98%;">0.64% (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:12pt;padding-bottom:6pt;padding-left:16pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.32%;">$241 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$739 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:9pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.09%;">$1,258 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:6pt;padding-left:19pt;padding-right:6pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:12.17%;">$2,655 </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The statutory financial statements of Allianz Life Insurance
          Company of New York are included in Appendix G 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z7f655d56b3774f02bd9bb8740a1b4c83" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.19%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:3pt;padding-left:4pt;padding-right: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:10pt;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:10pt;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:10pt;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 colspan="4" style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:1.88pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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 colspan="4" style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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 colspan="4" style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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>
      </div>
      <div type="Block" style="margin-top:32pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;24&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; margin-top: 6pt; 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 payout 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z5dfa4ed283954fbcaa0f443f3122c478" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                  Business Day 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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                  Business Day 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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Upon the 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: 12pt; 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 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: 12pt; 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: 12pt; margin-top: 6pt; 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 a 10% additional federal tax if you are under age 59<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#160;1</sup>&#8260;</font><font style="font-size:6pt;font-weight:bold;line-height:8pt;">2</font><font style="font-weight:bold;"> may apply, and the amount of Contract
            Value available for withdrawal may be affected by the Daily Adjustment </font><font style="font-style:italic;font-weight:bold;">(which can be negative).</font><font style="font-weight:bold;"> </font>This withdrawal reduces the Contract Value
          and the amount available under the free withdrawal privilege by the amount withdrawn. It may also reduce your Contract's guaranteed death benefit value (total Purchase Payments adjusted for withdrawals) <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: 12pt; 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. 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>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;25&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Financial Adviser Fee Withdrawal Example</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 (total Purchase Payments adjusted for withdrawals) 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: 12pt; 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" id="z6e65bbf8c3d8409284283c299951e6f0" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:66.87%;">Financial Adviser Fee<br>
                  Withdrawal </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width: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:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:22.44%;">Traditional Death Benefit&#8217;s<br>
                  guaranteed death benefit </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:66.87%;">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:12pt;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:12pt;padding-left:3pt;padding-right:4pt;padding-top:2pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:22.44%;">$ 90,000 </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:66.87%;">$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:12pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:22.44%;">&#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:66.87%;">&#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:12pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:22.44%;">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:66.87%;">&#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:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width: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:12pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt; padding-top:1.25pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.44%;">= &#8211; $4,500 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:66.87%;">&#160; </td>
                <td style="padding-right:3pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:6.69%;">&#160; </td>
                <td style="padding-right:3pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="padding-right:4pt;padding-top:2pt;text-align:center;vertical-align:top;width:22.44%;">&#160; </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:66.87%;">After withdrawal </td>
                <td style="line-height:0pt;padding-bottom:4pt;padding-right:3pt;padding-top:1.25pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:3pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:6.69%;">$ 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:12pt;padding-bottom:4pt;padding-left:3pt;padding-right:4pt;padding-top:1.25pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;width:22.44%;">$ 85,500 </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Contract ends when:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z05540ba77dea453db9bc48516c491230" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-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: 13pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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</div>
      </div>
      <div type="Block" style="margin-top:14pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;26&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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 type="Block" style="margin-top:601pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: uppercase;">Upon the Death of a Sole Owner<br>
        </div>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;"> </div>
      <div style="margin-top:10.5pt;">
        <div type="Block" style="float:left;overflow:hidden;position:relative;width:48.40%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; text-align: center; text-decoration: none; text-transform: none;">Action if the Contract is in the Accumulation Phase</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div>
            <table cellspacing="0" cellpadding="2" id="z571dd97ddbab49de810f4f291495dac2" style="border-collapse:collapse;empty-cells:show;margin-top:8.5pt;width:100%;">

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

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" id="z77df8758ac8e43f8bc4a9ae63d17b5cd" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:3pt;width:94.12%;">

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

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" id="z0758761d914942b3acec0517cce306c4" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

            </table>
          </div>
        </div>
        <div type="Block" style="float:right;overflow:hidden;position:relative;width:48.40%;">
          <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; text-align: center; text-decoration: none; text-transform: none;">Action if the Contract is in the Annuity Phase</div>
          <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
          <div>
            <table cellspacing="0" cellpadding="2" id="z3e766253400e4d1987fb9cb5e78ff06e" style="border-collapse:collapse;empty-cells:show;margin-top:8.5pt;width:100%;">

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

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="2" id="zeedb55466c3743a3aed703d448dfd887" style="border-collapse:collapse;empty-cells:show;margin-left:5.88%;margin-top:2pt;width:94.12%;">

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

            </table>
          </div>
          <div>
            <table cellspacing="0" cellpadding="0" id="zecb51ccf9c154bb3b2783ffc0ec931b9" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

            </table>
          </div>
        </div>
      </div>
      <div style="clear:both;">&#160;
        <div type="Block" style="clear:both;padding-top:11pt;width:100%;">
          <div style="clear: both; color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Determining Life (Lives) are the individuals on
            whose life we base the total Purchase Payments adjusted for withdrawals 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" id="z0c9fb64969734151bf868e1cac0c9706" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

            </table>
          </div>
          <div style="clear: both; color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="zc81570f01d404d8a9b68e18cf185b6ae" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:9pt;width:99.60%;">

                <tr style="page-break-inside:avoid;">
                  <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">FOR JOINTLY OWNED CONTRACTS:<font style="font-style:Normal;font-weight:Normal;"> The sole primary Beneficiary is the surviving Joint Owner regardless of any other
                      named primary Beneficiaries. If both Joint Owners die simultaneouslysimultaneously, 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: 12pt; 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: 12pt; 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 type="Block" style="padding-top:64pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;28&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z3aef81641be54d178ccd24a6f2ee2452" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; 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: 12pt; 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" id="ze6a9cd2d805c424080cbf182f3639d45" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;29&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The allocation instructions you provide on your application
          automatically become your Purchase Payment default instructions. (In your Contract, Purchase Payment default instructions are called future allocation instructions.) We use these default instructions for all Purchase Payments we receive unless
          you change them, or give us alternate allocation instructions specific to an individual Purchase Payment. <font style="font-style:italic;font-weight:bold;">We only allow Purchase Payments to move into the Index Options on the Index Effective
            Date and on subsequent Index Anniversaries.</font> As a result, we hold Purchase Payments in the AZL Government Money Market Fund until we transfer them to your selected Index Options according to your Purchase Payment default instructions. On
          the Index Effective Date we rebalance or reallocate your total Contract Value among all of your selected Allocation Options according to your Purchase Payment default instructions. For additional Purchase Payments we receive <font style="font-style:italic;font-weight:bold;">after</font> the Index Effective Date, we transfer the amounts held in the AZL Government Money Market Fund to your selected Index Options on the next Index Anniversary. 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: 12pt; 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 Index Anniversaries<font style="font-style:Normal;font-weight:Normal;">. You can automatically reallocate your total Contract Value annually by providing us with instructions (see section 5,
            Optional Reallocation Program).</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z8aa085aa2a8e46f1bb7b44d462909522" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">You (or your Financial Professional, if authorized) can change your
          Index Effective Date 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.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 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</font>.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 transfer Variable Account Value to the Index Options, and you may transfer Index Option Value between Index Options. Transfers between Allocation Options do not change your Purchase Payment
          default instructions. For more information, see section 4, Variable Options &#8211; Electronic Transfer and Allocation Instructions. On each Index Anniversary, if we have not received transfer instructions from you, and you are not participating in the
          Index Option reallocation program, all assets invested continue to be invested in the Index Options at the renewal Caps.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You cannot transfer Index Option Value to the Variable Options
          except on every sixth Index Anniversary, <font style="font-style:italic;font-weight:bold;">at which point you can do so even if the assets you wish to transfer have been in the Index Options for less than six full years</font>. If you request to
          transfer Index Option Value to the Variable Options on a sixth Index Anniversary this request automatically cancels any prior transfer instructions you gave to us regarding moving Variable Account Value to the Index Options. We must receive all
          Index Option transfer instructions in Good Order at our Service Center before the end of the Business Day on the Index Anniversary (or the next Business Day if the Index Anniversary is a non-Business Day).</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;30&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z2cb8dc5e98eb47c3b95de6885414a129" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; 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. 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 Business Day before the
          Annuity Date. We reserve the right to discontinue or modify AIP at any time and for any reason.</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z7355b5651e1c439687dc34ebf2d0efe2" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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 Government Money Market Fund until the free look period ends, and then
          re-allocate your money, less fees and charges, 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: 13pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">You should read the Variable Options' prospectuses<font style="font-weight:Normal;"> </font>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: 12pt; 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>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 style="color:#000000;font-family:Arial;font-size:11pt;font-style:Normal;font-weight:Normal;line-height:13pt;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" id="z833142aca4404dafa787fc5fb0cc2e19" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:98.79%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom: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:11pt;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:11pt;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:11pt;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:11pt;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 colspan="5" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:uppercase;vertical-align:top;width:100%;">Allianz Fund of Funds </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;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 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left: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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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 colspan="5" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:4pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:uppercase;vertical-align:top;white-space:nowrap;width:100%;">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:10pt;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:10pt;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:10pt;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:10pt;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:10pt;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>
      <div type="Block" style="margin-top:10pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;32&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The following applies to any transfer.</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z563cf82de56c457cb8cc6b05f9487379" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We use reasonable procedures to confirm that electronic transfer
          and 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We use reasonable procedures to confirm that electronic transfer
          and 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: 12pt; 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</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z32c6b5dfa6da42cc906e0e24c9890a12" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z569d024b72484655a2b925472ffc9d0d" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 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: 12pt; 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: 12pt; 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</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We cannot guarantee the following.</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zde8af68f7e894bd48b4cbc784ed70607" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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" id="z843e15f18b5e4fb79c65a2e95d889ef5" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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="0" id="zeae82032de1e441b9e10e24e41f6043a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="0" id="za04880d33d22476cb356b4e8f8ce0c76" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">You
                  receive proxy materials and a voting instruction form. </td>
              </tr>

          </table>
        </div>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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" id="z6981cd27521049b5ad82235716d3ddf5" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.38%;">Variable Account Value increases when&#8230;. </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;">Variable Account Value decreases when&#8230;. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.38%;">&#8226;&#8194;you add assets to a Variable Option by Purchase Payment or Contract Value transfer, or<br>
                  &#8226;&#8194;there is positive Variable Option performance </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:50.62%;">&#8226;&#8194;you take assets out of a Variable Option by withdrawal or Contract Value transfer,<br>
                  &#8226;&#8194;there is negative Variable Option performance, or<br>
                  &#8226;&#8194;we deduct Contract expenses </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;">Contract 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: 12pt; 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" id="z96588b76360f4d13a1631bcad23fcbc7" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt; padding-right:6pt;padding-top:3pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:49.38%;">Index Option Values increase when&#8230;. </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:50.62%;">Index Option Values decrease when&#8230;. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt; padding-top:2pt;text-align:left;text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:49.38%;">&#8226;&#8194;you add assets to an Index Option by Purchase Payment or Contract Value transfer, or<br>
                  &#8226;&#8194;you receive a positive Performance Credit or Daily Adjustment </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:13pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-indent:-7pt;text-transform:none;vertical-align:top;width:50.62%;">&#8226;&#8194;you take assets out of an Index Option by withdrawal or Contract Value transfer,<br>
                  &#8226;&#8194;you receive a negative Performance Credit or Daily Adjustment, or<br>
                  &#8226;&#8194;we deduct Contract expenses </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:100%;">Contract 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: 12pt; margin-top: 9pt; 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 Credits to the Index Options on the Index Anniversaries. Contract expenses are deducted at different times during the Index Year as stated in section 6, Expenses. The
          Daily Adjustment applies to the&#160;Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy on any Business Day other than the Index Effective Date or an Index Anniversary.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Performance Credits are subject to the applicable Cap or Buffer<font style="font-weight:Normal;">. Positive Performance Credits are not guaranteed and Performance Credits can be zero under all the Index Options. Performance Credits can be negative after application of the 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 style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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="2" id="ze691b40909f64dd792b7fc0dbab4c00f" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">decrease<font style="font-weight:Normal;"> when assets are removed from a Variable Option by transfer, withdrawal or deduction of Contract fees and expenses.</font> </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:9pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;36&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Example</font></div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z758b7fc500f84c5aa89432d8d1ce399f" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We calculate an Index Option Value for each Index Option at the end
          of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the Index Effective Date or an Index Anniversary. The Daily
          Adjustment can be positive or negative and is discussed later in this section.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">On the Index Effective Date, both the Index Option Value and the
          Index Option Base for each of your selected Index Options are initially equal to the amount of:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z56eef3824a6244238de280001b488c76" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z9451590819cb4ec79339f5b01f242dde" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z043620690f4945e68f6215f08fa317d8" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; 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 and the deduction of any Contract expenses.</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zd6b3adda4fe146d682106048f0bf14dd" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

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

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z36be196b760e44c4ba0038b61ca806ab" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">We deduct
                  partial withdrawals and Contract 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 applicable withdrawal charge.
                </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;">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: 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 type="Block" style="margin-top:72pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;37&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="ze8b29cd70f104cde995e4e464cb8faf8" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Arial;font-family:Times New Roman;font-size:9pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:bold;font-weight:Normal;line-height:11pt;line-height:12pt; padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">Partial withdrawals
                    and Contract expenses we deduct from the Index Options during the Index Year do not receive a Performance Credit on the next Index Anniversary</font>. However, the remaining amount in the Index Options is eligible for a Performance
                  Credit on the next Index Anniversary. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; You cannot
                  specify from which Allocation Option we deduct Contract 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 style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We base Performance Credits on Index Values and Index Returns. We
          measure Index Values on the Index Effective Date and subsequent Index Anniversaries using the Index&#8217;s price at the end of the Business Day as provided by Bloomberg or another market source if Bloomberg is not available. If the Index Anniversary
          is a non-Business Day we use the next Business Day&#8217;s Index price. If you select the EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup>, we determine Index Returns without any exchange
          rate adjustment. <font style="font-style:italic;font-weight:bold;">Because we calculate Index Returns only on Index Anniversaries, the Index Return does not necessarily reflect the highest or lowest Index Values that occurred during an Index
            Year.</font></div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zdd2ceeb1f0684fd1999dac484b15a248" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.99%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:18.00%;">Crediting Method </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt; padding-right:4pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;">If Index Value is less than it was on the<br>
                  prior Index Anniversary*<br>
                  (i.e., Index Return is negative): </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:4pt;padding-right:4pt; padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:41.00%;">If Index Value is equal to or greater than it was on the prior Index Anniversary*<br>
                  (i.e., Index Return is zero or positive): </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;">Index Performance Strategy </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;">Performance Credit is equal to the negative Index Return in excess of the Buffer.Assume the Buffer is 10%. If the Index Return
                  is&#8230;<br>
                  &#8226;&#8194;-8%, the Performance Credit is zero.<br>
                  &#8226;&#8194;-12%, the Performance Credit is -2%. </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;">Performance Credit is equal to the Index Return up to the Cap set on the prior Index AnniversaryAssume the Cap is 8%. If the Index Return is&#8230;<br>
                  &#8226;&#8194;0%, the Performance Credit is zero.<br>
                  &#8226;&#8194;6%, the Performance Credit is 6%.<br>
                  &#8226;&#8194;12%, the Performance Credit is 8%. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:18.00%;">Index Protection NY Strategy </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;">Performance Credit is equal to the negative Index Return in excess of the 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:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:41.00%;">Performance Credit is equal to the Index Return subject to the Cap set on the prior Index Anniversary*Assume the Cap is 5%. If the Index Return is&#8230;<br>
                  &#8226;&#8194;0%, the Performance Credit is zero.<br>
                  &#8226;&#8194;4%, the Performance Credit is 4%.<br>
                  &#8226;&#8194;12%, the Performance Credit is 5%. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:100%;">*&#8194; Or the Index Effective Date if this is the first Index Anniversary. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We designed the Daily Adjustment to provide an Index Option Value
          during the Index Year on days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment can affect the amounts available for withdrawal, annuitization, payment of the death benefit, and the Contract Value used to determine
          the Charge Base and contract maintenance charge. It is discussed in the Summary - 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We must receive a manual Performance Lock request in Good Order
          before the end of the current Business Day to lock an Index Option on that day. Otherwise the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur on Index Anniversaries. For
          requests submitted in writing, we do not consider the request to be received until it arrives at our Service Center.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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. Automatic Performance Locks are not available to Contracts issued before August 24, 2015, or that have a Contract number starting with GAZ. When you
          establish your account you must provide us with an email address. You can set upper and/or lower targets for each of these Index Options each Index Year. <font style="font-style:italic;font-weight:bold;">Setting a</font></div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;38&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 12pt; text-decoration: none; text-transform: none;">target close to the current Index Option Value return may cause a Performance Lock to
          occur very quickly.<font style="font-style:Normal;font-weight:Normal;"> You can change or cancel targets at any time before we execute a Performance Lock. Each Index Option&#8217;s targets automatically expire on the earlier of the Lock Date, or the
            last Business Day before the Index Anniversary. You can also &#8220;over-ride&#8221; a target by requesting a manual Performance Lock before the target is reached. We determine if a target is reached using the Index Option Values 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 Daily Adjustment determined at the close of business on the Lock Date.</font> 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 style="font-style:Normal;font-weight:Normal;">We will send an email notice once the
            Daily Adjustment for an Index Option reaches a target. To cancel an automatic Performance Lock after a target is reached, we must receive your request in Good Order </font><font style="font-style:Normal;">before</font><font style="font-style:Normal;font-weight:Normal;"> the end of the Business Day on the Lock Date.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">For example, assume the Cap for the Index Performance Strategy with
          the S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index is 10.25% and you set a target of 9.50%. On a Tuesday, your 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 Daily Adjustment determined at the close of business. 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 Daily Adjustment on the Lock Date could be greater or less than your target of 9.50%, or
            Tuesday&#8217;s Daily Adjustment of 9.63%.</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">A Performance Lock can be executed once each Index Year for each of
          these Index Options. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end of the current Business Day on the Lock Date
          to determine your locked Index Option Value. This &#8220;locked&#8221; Index Option Value may be more or less than the &#8220;unlocked&#8221; Index Option Value that is available for your review on the Lock Date because the unlocked Index Option Value was determined at
          the end of the <font style="font-weight:bold;">prior</font> Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the Term, Daily Adjustments do not apply for the remainder of the Index
          Year and the locked Index Option Value will not receive a Performance Credit on the next Index Anniversary. 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 Index Year. If
          you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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. The disadvantage of executing a Performance Lock is that the relevant Index Value could increase before the end of the Index Year, and you
          will not participate in that increase. In addition, if you execute a Performance Lock, you may receive less than the full protection of the Buffer, than you would have received if you waited for us to apply the Performance Credit on the next
          Index Anniversary.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Optional Reallocation 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;">Index Option performance may cause the percentage of total Index
          Option Value in each Index Option to change. Reallocating can help you maintain your selected Index Option allocation percentages. You can direct us to automatically reallocate your Index Option Values on each Index Anniversary (or on the next
          Business Day if the Index Anniversary is a non-Business Day) according to your instructions. We must receive your reallocation instructions in Good Order at our Service Center before the end of the Business Day we reallocate. We reserve the right
          to discontinue or modify the optional reallocation program at any time and for any reason. To end this program, we must receive your request at our Service Center before the end of the last Business Day immediately before the Index Anniversary.</div>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; 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 type="Block" style="margin-top:13pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;39&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z5b8345def5054ae68314acc00a8b0761" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="line-height:10pt;padding-bottom:3pt;padding-right:6pt;text-align:center;vertical-align:bottom;width: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:12pt;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:12pt;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:12pt;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" id="z0fa5c9628b674c68ac5ad54ef5ed1074" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Upon the
                  death of the Owner, we continue to assess this product fee under death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 9, Death Benefit. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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" id="z4f9486018e1b47318406f92a79fb1af8" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: Normal; line-height: 13pt; text-align: center; text-decoration: none; text-transform: none;">&#160;&#160;&#160;&#160;</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z82e576cd5f4342ef8c35d84262071fcb" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:9pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">We do not treat the deduction of the accrued product fee as a withdrawal when computing total Purchase Payments adjusted for withdrawals 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: 12pt; margin-top: 12pt; text-decoration: none; text-transform: none;">Deduction of the final product fee</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z666f7701f3244913a014346b3705b145" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                  take a full withdrawal of the total Contract Value, we deduct the final accrued product fee before processing the 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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                  annuitize the Contract, we deduct the final accrued product fee before calculating Annuity Payments. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Upon the 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. </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" id="z37aaa5236b0c4e2590bc0193193fc4c5" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:40pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;40&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="z8084fd38225540ba8c24715bbeceecd1" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">We deduct the contract maintenance charge:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z98995f3bed2d4a309bbf59a2b9f8b0e0" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; 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 total Purchase Payments adjusted for withdrawals under the Traditional Death
          Benefit.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; 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 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 type="Block" style="margin-top:291pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;41&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zcf24ee7c36104d1b8c882617081f43ff" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:98.58%;">

              <tr style="page-break-inside:avoid;">
                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:48.62%;">Calculating a Withdrawal Charge </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2pt;padding-right:6pt;padding-top:3pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2pt;padding-left:6pt;padding-right:6pt;padding-top:3pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:49.38%;">Example </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;">For purposes of calculating any withdrawal charge, we withdraw Purchase Payments on a &#8220;first-in-first-out&#8221; (FIFO) basis and we process withdrawal requests as
                  follows. </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;">You make an initial Purchase Payment of $30,000 and make another Purchase Payment in the first month of the second Contract Year of $70,000. In the third month of
                  the third Contract Year, your Contract Value is $110,000 and you request a $52,000 withdrawal. We withdraw money and compute the withdrawal charge as follows. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;">1.&#8194; First we withdraw from Purchase Payments that we have had for six or more complete years, which is your Contract&#8217;s withdrawal charge period. This withdrawal is
                  not subject to a withdrawal charge and it reduces the Withdrawal Charge Basis. </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;">1<font style="font-weight:bold;">.&#8194;</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 colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;">2.&#8194; Then, if this is a partial withdrawal, we withdraw from the free withdrawal privilege (see section 7, Access to Your Money &#8211; Free Withdrawal Privilege). This
                  withdrawal is not subject to a withdrawal charge, it reduces the Withdrawal Charge Basis, and is withdrawn from Purchase Payments on a FIFO basis. </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;">2<font style="font-weight:bold;">.&#8194;</font><font style="font-weight:bold;"> Amounts available under the free withdrawal privilege.</font> You did not take any other
                  withdrawals this year, so you can withdraw up to 10% of your total payments (or $10,000) without incurring a withdrawal charge. We also deduct this $10,000 from the first Purchase Payment. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;">3.&#8194; Next, on a FIFO basis, we withdraw from Purchase Payments within your Contract&#8217;s withdrawal charge period and assess a withdrawal charge. Withdrawing payments
                  on a FIFO basis may help reduce the total withdrawal charge because the charge declines over time. We determine your total withdrawal charge by multiplying each payment by its applicable withdrawal charge percentage and then totaling the
                  charges. This withdrawal reduces the Withdrawal Charge Basis.<br>
                  The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows. </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt;padding-top:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:49.38%;">3<font style="font-weight:bold;">.&#8194;</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 6.5% withdrawal charge, and you receive $18,700. We determine this amount as follows:<br>
                  (<font style="font-weight:bold;">amount withdrawn) x (1 &#8211; withdrawal charge) = the amount you receive, or:<br>
                  </font>$20,000 x 0.935 = $18,700<br>
                  Next we withdraw from the second Purchase Payment.<br>
                  So far, you received $28,700 ($10,000 under the free withdrawal privilege and $18,700 from the first Purchase Payment), so we withdraw $23,300 from the second Purchase Payment to equal the $52,000 you requested. The second Purchase
                  Payment is subject to an 8% withdrawal charge. We calculate the total amount withdrawn and its withdrawal charge as follows:<br>
                  <font style="font-weight:bold;">(the amount you receive) &#247; (1 &#8211; withdrawal charge) = amount withdrawn, or:<br>
                  </font>$23,300 &#247; 0.92 = $25,326. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.69%;">Number of Complete<br>
                  Years Since<br>
                  Purchase Payment </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:2.5pt;padding-left:6pt; padding-right:6pt;padding-top:2pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:23.92%;">Withdrawal Charge<br>
                  Amount </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:2pt;text-align:center;vertical-align:top;width:49.38%;">&#160; </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-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-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:6pt;padding-right:6pt; padding-top:2.75pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:23.92%;">8.5%<br>
                  8%<br>
                  6.5%<br>
                  5%<br>
                  3%<br>
                  1%<br>
                  0% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-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-right:6pt;padding-top:2.75pt;text-align:center;vertical-align:top;width:49.38%;">&#160; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.62%;">4.&#8194; Finally we withdraw any Contract earnings. This withdrawal is not subject to a withdrawal charge and it does not reduce the Withdrawal Charge
                  Basis. </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:4pt;padding-right:6pt;padding-top:2pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:6pt;padding-right:6pt;padding-top:2pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:49.38%;">4.&#8194; <font style="font-weight:bold;">Contract earnings.</font> We already withdrew your requested amount, so this does not apply.<br>
                  <font style="font-weight:bold;">In total we withdrew $55,326 from your Contract, of which you received $52,000 and paid a withdrawal charge of $3,326.</font> </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Upon a full withdrawal, we first deduct any applicable product fee,
          and contract maintenance charge before we calculate the withdrawal charge. We deduct any applicable withdrawal charge from the total Contract Value and send you the</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;42&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">remaining amount. For a partial withdrawal we deduct the amount you request, plus
          any applicable withdrawal charge from the total Contract Value. We apply the withdrawal charge to this total amount and we pay you the amount you requested. 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 assess the product fee, and/or contract maintenance charge, we assess these charges in this order after we deduct the
          withdrawal and any applicable withdrawal charge from the Contract Value.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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" id="z48cc19c0892b46758bf6b4655683a1d3" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; We do not reduce the Withdrawal
                  Charge Basis for deduction of Contract expenses other than the withdrawal charge. <font style="font-weight:bold;">This means that upon a full withdrawal, if your Contract Value is less than your remaining Purchase Payments that are still
                    subject to a withdrawal charge we will assess a withdrawal charge on more than the amount withdrawn. This can occur because your Contract Value was reduced for:</font> </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">&#8211;&#8194; <font style="font-weight:bold;">deductions of Contract expenses other than the withdrawal charge, and/or</font> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:18pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">&#8211;&#8194; <font style="font-weight:bold;">poor performance.</font> </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;line-height:12pt;padding-left:32pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:100%;">This also means that upon a full withdrawal you may not receive any money. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; Withdrawals may also be subject to
                  <font style="font-weight:bold;">ordinary income taxes, and a 10% additional federal tax if you are under age 59<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#8202;1</sup>&#8260;</font><font style="font-size:6pt;font-weight:bold;line-height:8pt;">2</font><font style="font-weight:bold;">, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment</font> <font style="font-style:italic;font-weight:bold;">(which can be negative)</font>. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; For tax
                  purposes in most instances, withdrawals from Non-Qualified Contracts are considered to come from earnings first, not Purchase Payments. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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 total Purchase Payments
          adjusted for withdrawals under the Traditional Death Benefit.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:42pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;43&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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. The Variable Options&#8217; provided us with the expense information in this prospectus and we did not independently verify it.</div>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Your Contract Value is available under the following circumstances:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z911948489ac14e7c852a529494d529ce" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">by taking
                  a withdrawal; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">by taking
                  required minimum distributions (Qualified Contracts only) as discussed in &#8220;Minimum Distribution Program and Required Minimum Distribution (RMD) Payments&#8221; later in this section; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">by taking
                  Annuity Payments; or </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">when we pay a death benefit. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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" id="z6f3e00098f8a4f3d8d9743e6c6599d80" style="border-collapse:collapse;empty-cells:show;margin-top:1pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">When you take a full withdrawal, 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="2" id="z56c358ffbed7477880ddc8a258bc871f" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">total
                  Contract Value, </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">less any
                  final product fee and final contract maintenance charge, and </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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: 12pt; 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: 12pt; 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 style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z82fd6a3ebc324e2093903fcd3cbce7a3" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; Withdrawals may be subject to a
                  withdrawal charge, state and federal taxation, and a 10% additional federal tax if you are under age 59<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#8202;1</sup>&#8260;<font style="font-size:6pt;line-height:8pt;">2</font>, and the amount of Contract Value available for withdrawal may be affected by the Daily Adjustment <font style="font-style:italic;font-weight:bold;">(which can be negative)</font>. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">Joint


                    Owners:</font> We send once 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:8pt;">2</font><font style="font-style:italic;font-weight:bold;"> because that Joint Owner will be subject to the 10% additional federal tax.</font> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; We may be
                  required to provide information about you or your Contract to government regulators. We may also be required to stop Contract disbursements and thereby refuse any transfer requests, and refuse to pay any withdrawals, surrenders, 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, partial withdrawal, surrender, or death benefit from the AZL Government Money Market Fund subaccount until the fund is liquidated. </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:32pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;44&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Each Contract Year, 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 next year. Purchase Payment withdrawals that are outside the
          six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. Required minimum distribution payments 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" id="z03867e0879eb4591b70dbff1a9344e0e" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The systematic withdrawal program can provide automatic withdrawal
          payments to you. 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" id="z779d521d09654de7b19d6b8ef284162d" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%;">&#8226;&#8194; <font style="font-weight:bold;">Ordinary


                    income taxes and tax penalties may apply to systematic withdrawals.</font> </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;color:#000000;font-family:Times New Roman;font-family:Times New Roman;font-size:10pt;font-size:10pt;font-style:Normal;font-style:Normal;font-weight:Normal;font-weight:Normal;line-height:12pt; line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:1.25pt;text-align:left;text-decoration:none;text-decoration:none;text-transform:none;text-transform:none;vertical-align:top;width:100%; ">&#8226;&#8194; <font style="font-weight:bold;">The systematic withdrawal program is not available while you are receiving 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: 12pt; 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: 12pt; 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" id="z0445256a4f024dd6a3031ea2fc778184" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="ze250ff84626b4ae1af25889126118034" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">the New
                  York Stock Exchange is closed (other than customary weekend and holiday closings); </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">trading
                  on the New York Stock Exchange is restricted; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;45&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="0" id="z59c972941389458396d14d5ad9b94ad3" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:13pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">during
                  any other period when the SEC, by order, so permits for the protection of Owners. </td>
              </tr>

          </table>
        </div>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Prior to annuitization, you can surrender your Contract and receive
          your total Contract Value (less the final product fee, and any applicable contract maintenance charge, and withdrawal charge). If you surrender your Contract on any day other than an Index Anniversary and you have Contract Value in the Index
          Options, we apply the Daily Adjustment to these Index Option Values before we deduct the final Contract fees and expenses.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We base Annuity Payments upon the following:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zbfc1e6d91fe84a01b83d134b7fdeb8b4" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">If the Annuity Date is not an Index Anniversary, Contract Value
          reflects&#160;the Daily Adjustment if&#160;you selected an Index Option. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payout 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;46&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_38"> </a>
      <div style="font-family: Arial; font-size: 7pt; line-height: 10pt; font-weight: Normal; text-transform: none; vertical-align: bottom; padding-bottom: 10pt;"> <a href="#JOB_Index_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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" id="z09d804eb1e2f4b81bf20257314ec7088" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="zdd627b1ed98a407abe87ca9ef9da82fc" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">If on the Annuity Date (which may occur as early as 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: 13pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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</div>
      </div>
      <div type="Block" style="margin-top:9pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;47&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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: 12pt; margin-top: 6pt; 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 Valuetotal Purchase Payments adjusted for withdrawals.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If the date we are determining the death benefit is not an Index
          Anniversary, the Contract Value reflects the Daily Adjustment. Withdrawals reduce your total Purchase Payments adjusted for withdrawals by the percentage of Contract Value withdrawn, determined at the end of each Business Day. <font style="font-style:italic;font-weight:bold;">Withdrawals include all withdrawals (even Penalty-Free Withdrawals) and any withdrawal charges, but not amounts we withdraw for other Contract fees and expenses.</font></div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 6pt; 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:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z56b1eeb00e034b75a1302858b3f87352" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">their
                  portion of total Purchase Payments adjusted for withdrawals determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">their portion of the 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: 12pt; 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="2" id="z8e6c808471d64c668d04594052a99939" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If a
                  Determining Life dies before you, we do not pay a death benefit to the Beneficiary(s) but we may increase the Contract Value if the Traditional Death Benefit is still in effect<font style="font-weight:Normal;">. At the end of the Business
                    Day we receive due proof of a Determining Life&#8217;s death we increase the Contract Value to equal&#160;the total Purchase Payments adjusted for withdrawals, </font><font style="font-style:italic;">and the Traditional Death Benefit ends</font><font style="font-weight:Normal;">. We allocate any Contract Value increase to the Allocation Options according to your Purchase Payment default instructions.</font> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Upon 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: 12pt; 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="2" id="z7dfdb5b551d1488ab61171bfe92572cc" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-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" id="z5f184bc6737240faa429f5fbb9493c0f" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:28pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;48&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Death Benefit Payment Options During the Accumulation Phase</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z56954ea6cb1e43ea89dd73b62a47dd9d" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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. For Contracts issued
          or delivered in New York, if Option A is selected and we do not pay the claim within seven days, we pay interest on the death benefit amount beginning on the eighth calendar day at the greater of the current settlement rate which we declare
          annually, or 3%. You can contact our Service Center at the address or phone number listed at the back of this prospectus for information on the current settlement rate.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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 the surviving spouse continues the Contract:</font></div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zcbba251b90f848eba46613ff3fc017cb" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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.</div>
      </div>
      <div type="Block" style="margin-top:25pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;49&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z9dbfcad910dd4d9c9694992ddc54a326" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:0pt;padding-right:9pt; padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;width:31.40%;">Type of Contract </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:1.75pt;padding-left:9pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:bottom;width:70.42%;">Persons and Entities that can 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:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:31.40%;">IRA </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Roth IRA </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Simplified Employee Pension (SEP) IRA </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Certain Code Section 401 Plans </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:9pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">A qualified retirement plan is the Owner and the Annuitant must be an individual.<br>
                  We may determine which types of qualified retirement plans are eligible to purchase this Contract. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:0pt;padding-right:9pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:31.40%;">Inherited IRA and Inherited Roth IRA </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:4pt;padding-left:9pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:70.42%;">Must have the same individual as Owner and Annuitant. The deceased owner of the previously held tax-qualified arrangement will also be listed in
                  the titling of the Contract. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Contract has the following tax characteristics.</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zf9ebf07501e04361b130f6077c45114c" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">When 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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Taxable
                  distributions are subject to an ordinary income tax rate, rather than a capital gains rate. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">If 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>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:25pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;50&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="2" id="z8a91db4efd2a4ba0a92861b4c0069b82" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                  take 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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                  take 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:8pt;">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;once 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:8pt;">2</font><font style="font-style:italic;font-weight:bold;"> because that Joint Owner will be subject to the 10% additional federal tax.</font> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">A 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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">If you
                  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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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: 12pt; 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: 12pt; 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" id="z32e592493ba844deb6a9e6609a81199b" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-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>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;51&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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: 12pt; 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" id="zcbd1464e736d48808c62ffab7fb144d8" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;52&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="0" id="zf139878c52b2471b93205ac3894b5979" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">other
                  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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z90a358e8dfc6444f8f85fc6f17d2e790" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;53&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z221e8485ca954112bd15f52db6ce7b21" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

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

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z027821927e114e88877f5937ef077aae" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:2pt;width:97.17%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.08%;">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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.92%;">&#8211;&#8194; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.08%;">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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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>
      <div type="Block" style="margin-top:61pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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>
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        <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: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
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      <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_0aee4df5-87f7-4bcb-b48c-72373f04d660_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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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>
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        <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: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
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    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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</div>
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        <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: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
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        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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>
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        <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: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
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      <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_0aee4df5-87f7-4bcb-b48c-72373f04d660_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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="zf3b6c7ef5b1b44cb9e7ff128acedd51f" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:4.25%;margin-top:6pt;width:76.82%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:52.96%;">Name<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup> </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:22.13%;">Title </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:22.13%;">Allocation Percentages </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:52.96%;">Walter R. White </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;">Chair and Chief Executive Officer </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:22.13%;">5.00% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:22.13%;">Chief Financial Officer and Treasurer </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-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" id="z7e1851879bbb48f8a921b9123eb278d6" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Our 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: 12pt; 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: 12pt; 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: 12pt; 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 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>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;59&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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" id="z7d89f3d2ef374835aca070401a68549e" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

                  equity-based arrangements that align executives&#8217; financial interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success of its affiliates; and </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">structuring compensation packages and outcomes to foster internal pay equity. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 12pt; 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: 12pt; 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" id="z380992af6e884fb7b3496b4cb05bbb3f" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;60&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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="2" id="z5934d2076e9b421d82432e5ae5e10f7a" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z2a67e0696cee47758e568a3284406a6c" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;61&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="2" id="z10de9d22a7da42a1a85e29dd2d1a02df" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:71pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;62&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_54"> </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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 12pt; 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: 12pt; 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>
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          <table cellspacing="0" cellpadding="2" id="z81b56b8cbf484ff593ca5aacb227fac0" style="border-collapse:collapse;empty-cells:show;margin-top:3pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reward
                  the performance of participants who have made significant contributions to the achievement of annual goals and objectives; </td>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">provide
                  an incentive that will encourage future superior individual performance; and </td>
              </tr>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: Normal; line-height: 12pt; 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: 12pt; 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" id="zac7b426c4f16430c8deb8f0035b06645" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">reward
                  the performance of participants who have made significant contributions to the achievement of their company&#8217;s annual goals and objectives, </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">provide
                  an incentive that will encourage future superior individual performance, and </td>
              </tr>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
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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-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;63&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_55"> </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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="z55236c2804174d6c926732b1c567f0b5" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.25%;">Name and Principal<br>
                  Position<br>
                  (a) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:5.42%;">Year<br>
                  (b) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.27%;">Salary<br>
                  (c) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:7.27%;">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:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:21.06%;">Non-Equity<br>
                  Incentive Plan Compensation<br>
                  (g) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.71%;">All Other<br>
                  Compensation<br>
                  (i)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup> </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.02%;">Total<br>
                  (j) </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:39.25%;">Walter R. White<br>
                  <font style="font-weight:Normal;">Chair and Chief Executive Officer</font> </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:5.42%;">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:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;">$43,255 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;">$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:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;">$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:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.02%;">$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:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:39.25%;">William E. Gaumond<br>
                  <font style="font-weight:Normal;">Chief Financial Officer and Treasurer</font> </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.27%;">$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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:7.27%;">$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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:21.06%;">$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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.71%;">$1,315 </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:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.02%;">$64,946 </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z13cdef7ee15a460f9d893fd7d3ba85c2" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                  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:10pt;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:10pt;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" id="za1a8e2cb705744f480d314bf706ba829" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:4.25%;margin-top:6pt;width:85.63%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:34.17%;">Name </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:6.29%;">Year </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.86%;">Spousal<br>
                  Travel<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup> </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.34%;">Life Insurance<br>
                  Premiums </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:14.80%;">Employer Match<br>
                  to 401(k) Plan </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.54%;">ASAAP<br>
                  Contribution<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(4)</sup> </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:7.58%;">Total </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:34.17%;">Walter R. White </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:6.29%;">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:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.86%;">$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:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.34%;">$46 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:14.80%;">$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:10pt;padding-left:12.60pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.54%;">-- </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:34.17%;">William E. Gaumond </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.86%;">$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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.34%;">$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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:14.80%;">$975 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.54%;">$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:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:7.58%;">$1,315 </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="1" id="zb22b7ffae63248b29d81388f67a00b8e" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                  reimbursement or payments made to defray the costs of a spouse&#8217;s travel. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(4) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">Represents company matching contribution to the Allianz Supplemental Asset Accumulation Plan for deferrals in excess of IRS compensation limit. </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:33pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;64&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_56"> </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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="z30b0d06615e843109317f611e1a3a845" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

              <tr style="page-break-inside:avoid;">
                <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;">Name<br>
                  <br>
                  (a) </td>
                <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;">Grant Date<br>
                  <br>
                  (b) </td>
                <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.95%;">Estimated Future Payouts Under Non-Equity Incentive Plan Awards<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup> </td>
                <td colspan="3" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:33.95%;">Estimated Future Payouts Under Equity Incentive Plan Awards<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;">Threshold ($)<br>
                  (c) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;">Target ($)<br>
                  (d) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;">Maximum ($)<br>
                  (e) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;">Threshold ($)<br>
                  (f) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;">Target ($)<br>
                  (g) </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.32%;">Maximum ($)<br>
                  (h) </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Walter R. White </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">RSUs (under AEI) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$0 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$77,859 </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">AIP Award </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$0 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$51,906 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">William E. Gaumond </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">RSUs (under AEI) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$0 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$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:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$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:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">AIP Award </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:0pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:11.32%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$0 </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$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:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.32%;">$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" id="z672ccd786a18436392ccc38f0420f500" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">The target
                  and maximum columns show the target award and maximum award for 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:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">RSUs have
                  a vesting schedule as disclosed in the footnotes to the Summary Compensation Table. See &#8220;Outstanding Equity Awards at December 31, 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:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">The target and maximum columns show the target award and maximum award for 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 type="Block" style="margin-top:65pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;65&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="z2a06e3ac34f54fbaaacc3d84f7ecec37" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

              <tr style="page-break-inside:avoid;">
                <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;">Name<br>
                  <br>
                  (a) </td>
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:79.23%;">RSUs </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Number of RSUs<br>
                  That Have Not<br>
                  Vested<br>
                  (g)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1),(2)</sup> </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Market Value of<br>
                  RSUs That Have<br>
                  Not Vested<br>
                  (h)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(3)</sup> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Walter R. White </td>
                <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;">&#160; </td>
                <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;">&#160; </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">408.050 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$99,295 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">351.500 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$85,534 </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">261.950 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$63,743 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">304.850 </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:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$74,182 </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">William E. Gaumond </td>
                <td style="border-right:0.5pt solid #000000;line-height:0pt;padding-right:6pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;">&#160; </td>
                <td style="line-height:0pt;padding-right:4pt;padding-top:1.5pt;text-align:center;vertical-align:top;width:39.61%;">&#160; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">72.600 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$17,666 </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">101.950 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$24,809 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:9.65pt;padding-right:6pt;padding-top:1.5pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">76.900 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$18,713 </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-right:0.5pt solid #000000;line-height:8pt;padding-bottom:3pt;padding-right:6pt;padding-top:1.5pt;text-align:left;vertical-align:top;width:20.77%;">&#160; </td>
                <td style="border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:9.65pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">97.400 </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-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%;">$23,701 </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="1" id="z64dd899e5f3d422b959574916c87b817" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                  unvested RSUs issued pursuant to the AEI. RSUs issued under the AEI during 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:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">For each
                  of the NEOs, the number of RSUs listed on the first line were exercised in 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:10pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:3.64%;">(3) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:96.36%;">Based on an assumed stock price of $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: 12pt; 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: 12pt; 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" id="ze81e19eb20024461bd93fa23a714812b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

              <tr style="page-break-inside:avoid;">
                <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:20.77%;">Name </td>
                <td colspan="2" style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:79.23%;">Stock Awards </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Number of<br>
                  Shares<br>
                  Acquired<br>
                  on Vesting (#) </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Value Realized<br>
                  on Vesting ($)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup> </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Walter R. White </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">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:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">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:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">William E. Gaumond </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-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:10pt;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" id="zb28aef4c1ad54d388cacf96b5834eeb7" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                  Allianz SE RSUs that were exercised during 2020 pursuant to the AEI. Amounts realized were paid in cash. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:28pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;66&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="za76d20a443aa494b953303a6150cc595" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:52.83%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;white-space:nowrap;width:48.85%;">NEOs </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:51.15%;">Lump Sum Payment </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.85%;">Walter R. White </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;">$86,510 </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-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:10pt;padding-bottom:4pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:51.15%;">$35,166 </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z804e50a3cca44120ba4e035ef826077f" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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" id="z6bc8295103a64ab9a9d03e6796f60380" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.39%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:4pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:20.77%;">Name<br>
                  (a) </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt; padding-right:6pt;padding-top:4pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Fees Earned or<br>
                  Paid in Cash<br>
                  ($)<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup><br>
                  (b) </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:1.5pt;padding-left:6pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:39.61%;">Total<br>
                  ($)<br>
                  (h) </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">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:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">William E. Gaumond<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><br>
                  Chief Financial Officer and Treasurer </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Eric J. Thomes<br>
                  President </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Steven J. Thiel<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><br>
                  Vice President, Appointed Actuary </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Lorraine Lods<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">(2)</sup><br>
                  Non-Independent Director </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">N/A </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Ronald M. Clark<br>
                  Independent Director </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Martha Clark Goss<br>
                  Independent Director </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$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:10pt;padding-left:4pt;padding-right:6pt; padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Gary A. Smith<br>
                  Non-Independent Director </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:6pt;padding-right:6pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-left:6pt;padding-right:4pt;padding-top:1.5pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:3pt;padding-left:4pt; padding-right:6pt;padding-top:1.5pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:20.77%;">Kevin E. Walker<br>
                  Independent Director </td>
                <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-bottom:3pt;padding-left:6pt; padding-right:6pt;padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;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:10pt;padding-bottom:3pt;padding-left:6pt;padding-right:4pt; padding-top:1.5pt;text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:39.61%;">$25,000 </td>
              </tr>

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="zf7b5ffc7f1ac4591a212ea253ad5a117" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(1) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">Represents
                  cash compensation provided to our non-employee directors that is formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 2020. </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:6pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;67&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="0" id="z288c897c4e9a41199bf20a1a0ba020fb" style="border-collapse:collapse;empty-cells:show;margin-top:1pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:3.64%;">(2) </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:96.36%;">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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">We make Annuity Payments and apply 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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 surrenders and 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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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 surrenders and 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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">Losses on 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>

          </table>
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        <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: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
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    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Impairments

                  of Other Financial Institutions.<font style="font-style:Normal;"> We routinely execute transactions with counterparties in the financial services industry, including brokers, dealers, commercial banks, investment banks, insurers,
                    reinsurers and other investment and financial institutions. A disruption to, or decline in the financial condition of, such financial institutions may expose us to financial losses.</font> </td>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Payments
                  through Guaranty Associations.<font style="font-style:Normal;"> When an insurance company becomes insolvent, state insurance guaranty associations have the right to assess other insurance companies doing business in their state for funds
                    to pay obligations to policyholders of the insolvent company, up to the state-specified limit of coverage. The future failure of a large life, health or annuity insurer could trigger assessments which we would be obligated to pay.
                    Further, amounts for historical insolvencies may be assessed over many years, and there can be significant uncertainty around the total obligation for a given insolvency.</font> </td>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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>
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        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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,</div>
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        <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: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
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    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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</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-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;70&#160;</div>
      </div>
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    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; text-decoration: none; text-transform: none;">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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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: 12pt; 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>
        <div>
          <table cellspacing="0" cellpadding="2" id="zd89050bb20344f128caed72987c25dc8" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

                  in new sales of insurance products, annuities and other investment products; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">increases
                  in our cost of capital or limitations on our access to sources of capital; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">harm to
                  our relationships with distributors and sales specialists; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">material
                  increases in the number or amount of surrenders and withdrawals under our insurance products; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">pressure
                  on us to reduce prices or increase crediting rates for many of our insurance products; and </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">harm to our ability to obtain reinsurance or obtain reasonable pricing for reinsurance. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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>
      <div type="Block" style="margin-top:10pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 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: 12pt; 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: 12pt; 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>
        <div>
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              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">training
                  and educating our employees regarding our obligations relating to confidential information; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">monitoring

                  changes in state or federal privacy and compliance requirements; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">drafting
                  appropriate contractual provisions into any contract that raises proprietary and confidentiality issues; </td>
              </tr>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">maintaining

                  secure storage facilities for tangible records; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">in the event of a security breach, providing credit monitoring or other services to affected customers. </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:6pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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>
      <div type="Block" style="margin-top:25pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;73&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_f7d8855a-293d-4d8e-a067-19a772794dc6_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;"><font style="text-decoration:underline;">Risks</font><font style="text-decoration:underline;"> Related</font><font style="text-decoration:underline;"> to</font><font style="text-decoration:underline;"> the COVID-19 Pandemic</font></div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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" id="z9fdf4a70c4884077ba8bce6510a55647" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

                  in new sales of our financial products or reductions in fees collected by us, or increases in surrenders, 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>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">Economic
                  conditions and uncertainties may limit our access to sources of capital and our ability to obtain reinsurance. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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>
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; margin-top: 6pt; 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 G 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: 12pt; 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 Post-Effective Amendment No. 14 to Variable Account C&#8217;s Form N-4 filed with the SEC (File No. 333-192949), 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 type="Block" style="margin-top:132pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;74&#160;</div>
      </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_3c5b884e-9f1c-45a5-9037-c195b109f6aa_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z0986ad8d26cd4c6291982e89d4723ea7" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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: 12pt; 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: 12pt; 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" id="z7b33d6b884fe41c3a0593bcb14f8562f" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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: 12pt; 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: 12pt; 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 type="Block" style="margin-top:4pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;75&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_3c5b884e-9f1c-45a5-9037-c195b109f6aa_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z993b0588f0d74920bac2d20acbf874b4" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">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:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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: 12pt; margin-top: 6pt; text-align: right; text-decoration: none; text-transform: none;">M40018-NY (R-08/2020)</div>
      </div>
      <div type="Block" style="margin-top:177pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;76&#160;</div>
      </div>
    </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_dd4b1fd7-8ad2-48a6-a6b5-3571e75adc3d_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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 type="Block" style="float:left;overflow:hidden;position:relative;width:48.40%;">
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z046b77f2c7fb4319b5be710f9fedd1de" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;padding-bottom:1.5pt;padding-left:3pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:6.35%;">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:bold;line-height:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">3 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:94.91%;">
                  <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:11pt;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:6.35%;">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:bold;line-height:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">3 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">4 </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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">4 </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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">6 </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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">9 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">9 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:94.91%;">
                  <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:11pt;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:6.35%;">10 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">10 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">10 </td>
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              <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:11pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:6.35%;">10 </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="float:right;overflow:hidden;position:relative;width:48.40%;">
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z73e3508bfe59427caf9a44f67fd37dac" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:0pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;padding-bottom:1.5pt;padding-left:3pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:6.35%;">10 </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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">11 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">11 </td>
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              <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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">11 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">11 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">11 </td>
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                  <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:11pt;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:6.35%;">12 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">12 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">12 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:1.5pt;padding-left:20pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">12 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">12 </td>
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              <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:11pt;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:94.91%;">
                  <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:11pt;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:6.35%;">12 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:1.5pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;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:6.35%;">14 </td>
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                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-left:0pt;padding-right:3pt;padding-top:1.5pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:94.91%;">
                  <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:11pt;padding-left:3pt;padding-top:1.5pt;text-align:right;text-decoration:none;text-transform:none; vertical-align:bottom;white-space:nowrap;width:6.35%;">17 </td>
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          <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>
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      <div type="Block" style="padding-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;77&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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 type="Block" style="margin-top:16pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix A</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="z22d65d1ac6844d3aa782e21aff03987a" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:16pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix A</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_e59aaa52-34f6-4816-9f0c-3e2c18b5fd59_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div>
          <table cellspacing="0" cellpadding="2" id="ze6379ae517914e6a8a1fd663055a21c8" style="border-collapse:collapse;empty-cells:show;margin-top:0pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">have any
                  responsibility or liability for the administration, management or marketing of Allianz Life of NY products. </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-bottom:0pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;width:97.17%;">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. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">STOXX, Deutsche B&#246;rse 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.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">STOXX does not assume any contractual relationship with the
          purchasers of Allianz Life of NY products or any other third parties.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Specifically,</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="zef512dfff9c74ea69304010ad75915ee" style="border-collapse:collapse;empty-cells:show;margin-top:2pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">STOXX,
                  Deutsche B&#246;rse Group and their licensors, research partners or data providers do not give any warranty, express or implied, and exclude any liability about: </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:2pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top; width:97.17%;">The
                  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; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
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                  accuracy, timeliness, and completeness of the EURO STOXX 50 and its data; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
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                  merchantability and the fitness for a particular purpose or use of the EURO STOXX 50 and its data; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
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              </tr>
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                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:Normal;line-height:12pt;padding-left:0pt;padding-right:2pt;text-align:left;text-decoration:none;text-transform:none; vertical-align:top;white-space:nowrap;width:2.83%;">&#8226; </td>
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                  Deutsche B&#246;rse 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; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
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        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">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.</div>
      </div>
      <div type="Block" style="margin-top:323pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix A</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;80&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_4a6214d2-d8e6-4947-b071-e05dac3cb8f1_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-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: 12pt; 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: 12pt; margin-top: 1pt; text-decoration: none; text-transform: none;">We designed the Daily Adjustment to provide an Index Option Value
          on Business Days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the estimated present value of the future
          Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:</div>
        <div>
          <table cellspacing="0" cellpadding="2" id="z9807bf3862c647c1a27d4d8a6875289e" style="border-collapse:collapse;empty-cells:show;margin-left:2.02%;margin-top:3pt;width:97.98%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">The Daily Adjustment formula has two primary components, (i) the
          change in Proxy Value and (ii) accumulated proxy interest, which are added together and then multiplied by the Index Option Base. We designed the Daily Adjustment to estimate the present value of positive or negative Performance Credit that will
          be available on the next Index Anniversary taking into account any applicable Buffer and Cap. You should note that even if your selected Index(es) experience positive growth, the Daily Adjustments may be negative because of other market
          conditions, such as the expected volatility of Index prices and interest rates. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Where:</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z4750298b65304522b95e06fee7eba158" style="border-collapse:collapse;empty-cells:show;margin-left:2.83%;margin-top:3pt;width:97.17%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 1pt; text-decoration: none; text-transform: none;">The change in Proxy Value represents the current hypothetical value
          of the Proxy Investment (current Proxy Value), less the cost of the Proxy Investment at the beginning of the Index Year (beginning Proxy Value).</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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 first day of the current Index Year.</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">With respect to our Proxy Value formula, we designed the
          at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the Buffer . It is important to note that the out-of-the-money put
          will almost always reduce the Daily Adjustment, even when the current Index price on a Business Day is higher than the Index Value on the last&#160;Index Anniversary. This is because the risk that the Index Value could be lower on the next Index
          Anniversary is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the last&#160;Index Anniversary.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; margin-top: 1pt; text-decoration: none; text-transform: none;">The proxy interest is an amount of interest that is earned to
          provide compensation for the cost of the Proxy Investment at the beginning of the Index Year. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Index Year to zero. The formula for proxy
          interest involves the calculation of (i) the beginning Proxy Value and (ii) the time remaining during an Index Year. The time remaining during an Index Year is equal to the number of days remaining in the Index Year divided by 365. The proxy
          interest may be significantly different from current interest rates available on interest bearing investments.</div>
      </div>
      <div type="Block" style="margin-top:20pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix B</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;81&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_4a6214d2-d8e6-4947-b071-e05dac3cb8f1_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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 type="Block" style="margin-top:608pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix B</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;82&#160;</div>
      </div>
    </div>
    <div style="clear:both;font-size:12pt;height:0pt;"> </div>
    <hr style="margin-bottom:0pt;">
    <p style="margin:0pt;page-break-before:always;">&#160; </p>
    <div style="width:100%;"> <a name="xx_cd237469-cff0-42b2-83fc-7fdf279e2827_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Appendix C &#8211; Historical Buffers and Initial and Renewal
          Caps</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 1pt; text-decoration: none; text-transform: none;">This information regarding the Buffers and initial and renewal Caps
          is for historical purposes only; it is not a representation as to future Buffers or Caps. Caps may change frequently, and may vary substantially based on market conditions.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Index Protection NY Strategy</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zfffb526b91694f35a62c026ee4268e8c" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Following are the highest and lowest initial and renewal Caps
          offered for Index Effective Date periods occurring within each calendar year during August 24, 2015 (the date the Index Protection NY Strategy was first available) through January 4, 2021. During the periods shown below, the Buffer was 30.00% for
          each Index.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 8/24/2015 &#8211; 1/4/2016</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z797c81de257a48d4aa76d2e57370ac79" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/5/2016 &#8211; 1/2/2017</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z5680a92333a44a22a1d9918f978022e8" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/3/2017 &#8211; 1/2/2018</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z53640a8350d14734b5eb9be2b35ee81e" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/3/2018 &#8211; 1/1/2019</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z87ae35d0e9614bccb08f7556e847a522" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/2/2019 &#8211; 1/6/2020</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z54c1581ef31949c38d996b9680ba5383" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/7/2020 &#8211; 1/4/2020</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z8c722933433f490682da21e130828c5e" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:21pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:14pt;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_cd237469-cff0-42b2-83fc-7fdf279e2827_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Index Performance Strategy</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zb679ad5a092e480f9b6aff28de79089b" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 9pt; text-decoration: none; text-transform: none;">Following are the highest and lowest initial and renewal Caps
          offered for Index Effective Date periods occurring within each calendar year during July 1, 2014 (the date the Contracts were first issued), through January 4, 2021. During the periods shown below, the Buffer was 10.00% for each Index.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 7/1/2014 &#8211; 1/5/2015</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z907f73762b6840daae91fa3831815011" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:81.13%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/6/2015 &#8211; 1/4/2016</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z8ddff8b9d4a14b5ca3a775d07aa04866" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z339421ba1ac1449783f00843a1d3aac8" style="border-collapse:collapse;empty-cells:show;margin-top:9pt;width:100%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/5/2016 &#8211; 1/2/2017</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z6b9fda8775a04863904dd05ad31162f2" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/3/2017 &#8211; 1/2/2018</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z4ac8378bcfbf4b19bc6f6a4aea409af8" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/3/2018 &#8211; 1/1/2019</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z95b2ae4e568e445aa8c935a75233c615" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:19pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:14pt;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_cd237469-cff0-42b2-83fc-7fdf279e2827_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/2/2019 &#8211; 1/6/2020</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z87e7616d73d84a81ada1652bb2590044" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 9pt; text-align: center; text-decoration: none; text-transform: none;">Index Effective Dates: 1/7/2020 &#8211; 1/4/2021</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z0ae6d95e3e714a158b071f32ce13fbca" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:0pt;width:99.39%;">

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

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:547pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;margin-top:14pt;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_dee929be-a8e9-4895-8956-65538375ab99_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Appendix D &#8211; Historical Index Option Performance
          Information</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 1pt; text-decoration: none; text-transform: none;">The following historical information, based on historical Buffers
          and Caps, show how actual movements in the external Index Returns impacted actual Performance Credits. They show the lowest and highest actual annual Index Returns for each time period, and the corresponding Performance Credits received for these
          Index Returns. No single Crediting Method or Index Option consistently delivers the most return under all market conditions. Past performance does not guaranteed future results. This historical information shows the returns for Contracts with
          Index Effective Date periods occurring within the first year that each Crediting Method was available using the S&amp; P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index. You can obtain
          more historical information for other time periods and other Index Options by contacting your Financial Professional.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">INDEX PROTECTION NY STRATEGY WITH THE S&amp;P 500<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> INDEX</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="zb03d45dc93764823816f9d28ba085f81" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-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" id="z82904e77cc7d493d83c3fa576d58abfa" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:22.99%;">Index Effective Date </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">8/24/2015-<br>
                  8/28/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">9/1/2015-<br>
                  10/5/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">10/6/2015-<br>
                  11/2/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">11/3/2015-<br>
                  11/30/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">12/1/2015-<br>
                  1/4/2016 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">1/5/2016-<br>
                  2/1/2016 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:10.74%;">2/2/2016-<br>
                  2/29/2016 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">Initial Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">5.25% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">1st Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">9.63% to<br>
                  16.32% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">7.21% to<br>
                  15.39% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-0.29% to<br>
                  9.13% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-1.00% to<br>
                  6.98% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">4.21% to<br>
                  12.82% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">12.51% to<br>
                  22.44% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">19.69% to<br>
                  27.29% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">1st Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  5.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">4.21% to<br>
                  5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">5.25% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">1st Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">4.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">2nd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">12.10% to<br>
                  12.69% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">12.76% to<br>
                  18.17% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">17.61% to<br>
                  22.97% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">17.47% to<br>
                  24.26% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">17.65% to<br>
                  20.59% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">20.67% to<br>
                  25.11% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">12.48% to<br>
                  21.10% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">2nd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">4.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">2nd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">4.50% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">3rd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">17.86% to<br>
                  18.57% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">13.07% to<br>
                  17.16% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">2.33% to<br>
                  13.35% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">1.37% to<br>
                  7.60% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-12.38% to<br>
                  5.72% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-7.97% to<br>
                  -4.09% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">-1.35% to<br>
                  4.92% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">3rd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">4.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">2.33% to<br>
                  4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">1.37% to<br>
                  4.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  5.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">0% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:10.74%;">0% to<br>
                  4.50% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">3rd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">5.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">4th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-0.95% to<br>
                  0.13% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-1.23% to<br>
                  4.05% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">0.30% to<br>
                  15.08% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">11.00% to<br>
                  19.03% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">10.85% to<br>
                  37.13% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">20.04% to<br>
                  27.32% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">11.54% to<br>
                  23.91% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">4th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  0.13% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  4.05% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0.30% to<br>
                  5.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">5.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">4th Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">6.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">6.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="line-height:0pt;padding-right:4pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:10.74%;">&#160; </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">5th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">19.21% to<br>
                  21.47% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">8.19% to<br>
                  22.36% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">7.54% to<br>
                  19.15% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">9.45% to<br>
                  16.17% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">14.00% to<br>
                  18.84% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">13.47% to<br>
                  18.86% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="line-height:0pt;padding-right:4pt;padding-top:1pt;text-align:center;vertical-align:top;width:10.74%;">&#160; </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">5th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">6.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">6.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">5.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:4pt;padding-top:1pt;text-align:center;vertical-align:top;width:10.74%;">&#160; </td>
              </tr>

          </table>
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        <div style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="z009499e0c11d442cb74fc4b929a6e27d" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:90.09%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:25.64%;">Index Effective Date </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;">3/1/2016-<br>
                  4/4/2016 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;">4/5/2016-<br>
                  5/2/2016 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;">5/3/2016-<br>
                  6/6/2016 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;">6/7/2016-<br>
                  7/4/2016 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:9.95%;">7/5/2016-<br>
                  8/1/2016 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.95%;">8/2/2016-<br>
                  9/5/2016 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">Initial Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">6.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">6.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;">5.50% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">1st Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">13.80% to<br>
                  21.11% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">11.30% to<br>
                  15.36% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">15.09% to<br>
                  17.38% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">14.85% to<br>
                  20.94% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">13.49% to<br>
                  16.47% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;">10.91% to<br>
                  14.86% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;">1st Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">6.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">6.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;">5.50% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">1st Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;">4.75% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">2nd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">9.46% to<br>
                  17.83% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">10.23% to<br>
                  15.65% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">10.12% to<br>
                  15.40% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">11.29% to<br>
                  14.51% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">12.50% to<br>
                  14.89% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;">14.11% to<br>
                  18.57% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;">2nd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">4.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;">4.75% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">2nd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">6.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;">5.25% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">3rd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">-0.12% to<br>
                  11.05% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">7.25% to<br>
                  11.18% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">-0.09% to<br>
                  12.01% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">3.72% to<br>
                  10.42% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">4.98% to<br>
                  9.27% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;">-0.63% to<br>
                  3.71% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;">3rd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">0% to<br>
                  5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">0% to<br>
                  6.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">3.72% to<br>
                  5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">4.98% to<br>
                  5.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.95%;">0% to<br>
                  3.71% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">3rd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">5.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;">5.25% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:25.64%;">4th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">-21.63% to<br>
                  12.08% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">-8.16% to<br>
                  -1.63% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">-3.49% to<br>
                  13.79% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">3.56% to<br>
                  12.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:9.95%;">4.68% to<br>
                  11.55% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.95%;">12.37% to<br>
                  22.36% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:25.64%;">4th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">0% to<br>
                  5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:9.95%;">0% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">0% to<br>
                  5.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">3.56% to<br>
                  5.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:9.95%;">4.68% to<br>
                  5.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.95%;">5.25% </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:47pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix D</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_dee929be-a8e9-4895-8956-65538375ab99_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 12pt; text-decoration: none; text-transform: uppercase;">Index Performance Strategy with the S&amp;P 500<sup style="font-style: Normal; text-transform: uppercase; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> Index</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z0d559fbed21847eb92fcf274178a9502" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

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

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-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" id="z2235268bb15548db95323811f17000a2" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:22.99%;">Index Effective Date </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">7/1/2014-<br>
                  8/4/2014 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">8/5/2014-<br>
                  9/1/2014 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">9/2/2014-<br>
                  10/6/2014 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">10/7/2014-<br>
                  11/3/2014 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">11/4/2014-<br>
                  12/1/2014 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:8.74%;">12/2/2014-<br>
                  1/5/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:10.74%;">1/6/2015-<br>
                  2/2/2015 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">Initial Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">11.75% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">1st Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">3.98% to<br>
                  8.98% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-6.52% to<br>
                  9.35% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-5.10% to<br>
                  0.97% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">2.26% to<br>
                  9.15% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-0.80% to<br>
                  4.48% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-2.70% to<br>
                  5.09% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">-8.52% to<br>
                  -0.62% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">1st Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">3.98% to<br>
                  8.98% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  9.35% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  0.97% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">2.26% to<br>
                  9.15% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  4.48% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  5.09% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">0% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">1st Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">15.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">12.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">2nd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">0.80% to<br>
                  4.88% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">3.65% to<br>
                  16.32% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">7.21% to<br>
                  14.05% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-1.00% to<br>
                  7.91% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-0.81% to<br>
                  6.98% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">5.40% to<br>
                  12.81% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">14.41% to<br>
                  22.16% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">2nd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0.80% to<br>
                  4.88% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">3.65% to<br>
                  10.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">7.21% to<br>
                  10.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  7.91% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  6.98% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">5.40% to<br>
                  12.81% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">12.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">2nd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">11.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">11.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">11.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">10.75% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">3rd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">13.49% to<br>
                  15.60% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">10.91% to<br>
                  14.08% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">12.75% to<br>
                  17.98% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">17.61% to<br>
                  23.90% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">17.47% to<br>
                  24.26% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">17.72% to<br>
                  20.90% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">20.67% to<br>
                  25.34% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">3rd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">10.91% to<br>
                  13.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">11.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">11.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">11.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">10.75% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">3rd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">9.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">9.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">9.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">9.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">9.75% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">4th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">11.70% to<br>
                  15.09% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">14.35% to<br>
                  18.57% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">13.14% to<br>
                  17.53% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">2.33% to<br>
                  13.35% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">1.96% to<br>
                  8.62% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-12.38% to<br>
                  5.72% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">-7.97% to<br>
                  -1.35% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">4th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">9.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">2.33% to<br>
                  9.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">1.96% to<br>
                  8.62% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">-2.38% to<br>
                  5.72% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">0% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">4th Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">12.50% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">5th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-0.20% to<br>
                  10.42% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-0.95% to<br>
                  3.70% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">-1.23% to<br>
                  4.18% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">0.30% to<br>
                  15.08% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">9.64% to<br>
                  17.66% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">10.85% to<br>
                  37.13% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">19.23% to<br>
                  27.32% </td>
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              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">5th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  10.42% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  3.70% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0% to<br>
                  4.18% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">0.30% to<br>
                  10.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">9.64% to<br>
                  10.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">10.85% to<br>
                  12.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">12.50% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">5th Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">12.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">12.75% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:22.99%;">6th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">4.48% to<br>
                  16.23% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">14.38% to<br>
                  21.47% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">8.19% to<br>
                  22.36% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">7.62% to<br>
                  20.29% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">11.86% to<br>
                  17.62% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:8.74%;">13.59% to<br>
                  18.84% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:10.74%;">13.61% to<br>
                  18.68% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:22.99%;">6th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">4.48% to<br>
                  12.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">10.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">8.19% to<br>
                  12.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">7.62% to<br>
                  12.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:8.74%;">11.86% to<br>
                  12.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:8.74%;">13.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.01%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:10.74%;">12.75% </td>
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        <div style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:11pt;text-align:center;text-decoration:none;text-transform:none;">&#160;&#160;&#160;&#160;</div>
        <div>
          <table cellspacing="0" cellpadding="0" id="zc08aeeb3f9ee46b4bed7f94df1d54d4c" style="border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-top:6pt;width:79.43%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:4pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:center;width:29.35%;">Index Effective Date </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;">2/3/2015-<br>
                  3/2/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;">3/3/2015-<br>
                  4/6/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;">4/7/2015-<br>
                  5/4/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:3pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:11.58%;">5/5/2015-<br>
                  6/1/2015 </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:9pt;padding-bottom:2.5pt;padding-left:7pt;padding-right:4pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:13.58%;">6/2/2015-<br>
                  7/6/2015 </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">Initial Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">12.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">11.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">11.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">11.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;">10.75% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">1st Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-11.58% to<br>
                  -6.17% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-5.43% to<br>
                  0.64% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-3.00% to<br>
                  0.63% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-4.13% to<br>
                  -0.59% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;">-4.84% to<br>
                  1.92% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;">1st Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">-1.58% to<br>
                  0.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">0% to<br>
                  0.64% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">0% to<br>
                  0.63% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">0% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.58%;">0% to<br>
                  1.92% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">1st Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">13.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">15.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">15.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">13.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;">12.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">2nd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">19.69% to<br>
                  27.29% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">13.80% to<br>
                  19.55% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">11.82% to<br>
                  16.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">15.09% to<br>
                  17.38% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;">14.76% to<br>
                  21.92% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;">2nd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">13.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">13.80% to<br>
                  15.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">11.82% to<br>
                  15.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">13.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;">12.50% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">2nd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">10.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">12.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">12.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">10.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;">10.25% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">3rd Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">12.99% to<br>
                  17.56% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">9.46% to<br>
                  17.83% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">10.86% to<br>
                  15.21% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">11.36% to<br>
                  14.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;">11.40% to<br>
                  14.71% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;">3rd Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">10.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">9.46% to<br>
                  12.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">10.86% to<br>
                  12.00% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">10.50% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;">10.25% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">3rd Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">9.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">12.00% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">11.50% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">13.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;">11.75% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">4th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">0.51% to<br>
                  3.77% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-0.12% to<br>
                  11.18% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">7.17% to<br>
                  11.14% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">0.36% to<br>
                  9.72% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;">-0.09% to<br>
                  10.42% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;">4th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">0.51% to<br>
                  3.77% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">0% to<br>
                  11.18% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">7.17% to<br>
                  11.14% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">0.36% to<br>
                  9.72% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.58%;">0% to<br>
                  10.42% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">4th Anniversary Renewal Cap </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">13.25% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">11.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">10.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">10.75% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1.75pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1.75pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;white-space:nowrap;width:13.58%;">11.00% </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:4pt;padding-right:3pt;padding-top:1pt;text-align:left;text-decoration:none; text-transform:none;vertical-align:top;width:29.35%;">5th Index Year Index Return </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">6.67% to<br>
                  23.91% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-20.05% to<br>
                  12.08% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-8.16% to<br>
                  -0.89% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:3pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:11.58%;">-2.87% to<br>
                  11.34% </td>
                <td style="line-height:0pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:Normal;line-height:10pt;padding-left:3pt;padding-right:4pt;padding-top:1pt;text-align:center;text-decoration:none; text-transform:none;vertical-align:top;width:13.58%;">3.27% to<br>
                  13.79% </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:4pt;padding-right:3pt;padding-top:1pt; text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:29.35%;">5th Index Anniversary Credit </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">6.67% to<br>
                  13.25% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">-10.05% to<br>
                  11.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;white-space:nowrap;width:11.58%;">0% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:3pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:11.58%;">0% to<br>
                  10.75% </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:3pt;padding-top:1pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:8pt;font-style:Normal;font-weight:bold;line-height:10pt;padding-bottom:2.5pt;padding-left:3pt;padding-right:4pt;padding-top:1pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:top;width:13.58%;">3.27% to<br>
                  11.00% </td>
              </tr>

          </table>
        </div>
      </div>
      <div type="Block" style="margin-top:22pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix D</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_1940c5d3-2b84-48e5-8848-f6bf8ef7cab8_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Appendix E &#8211; Annual Contract Fees Calculation Examples</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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 Credits to the Index Option Values, then process any additional Purchase Payments and withdrawals, including deduction of 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: 12pt; 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: 12pt; margin-top: 6pt; 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 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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 Credits to the Index Option Values. We would then process any additional Purchase Payments and any other withdrawals and set the
          Charge Base equal to this new Contract Value and begin computing the daily product fee for the next quarter on the next day.</div>
      </div>
      <div type="Block" style="margin-top:240pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix E</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_deb56f73-ec3b-4b6b-b148-14bf0c41802e_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;">Appendix F &#8211; Material Contract Variations by Issue Date</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 1pt; text-decoration: none; text-transform: none;">All material Issue Date variations in the Contract are disclosed in
          this Appendix. If you would like more information regarding Issue Date specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed at the back of this
          prospectus.</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Crediting Method and/or Index Availability Restrictions</div>
        <div style="text-align:center;">
          <table cellspacing="0" cellpadding="0" id="z018a0021a5fe4b979adc48609614d4d6" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:93.93%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt;padding-top:4pt; text-align:center;text-decoration:none;text-transform:none;vertical-align:bottom;width:48.65%;">Crediting Method / Indexes </td>
                <td style="line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:4pt;text-align:center;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:bold;line-height:11pt;padding-bottom:2.5pt;padding-left:6pt;padding-top:4pt;text-align:center; text-decoration:none;text-transform:none;vertical-align:bottom;width:51.94%;">Availability Restrictions: </td>
              </tr>
              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:2.5pt;padding-left:0pt;padding-right:6pt; padding-top:1.75pt;text-align:left;text-decoration:none;text-transform:none;vertical-align:top;width:48.65%;">Index Protection NY Strategy </td>
                <td style="border-bottom:0.5pt solid #000000;line-height:0pt;padding-bottom:2.5pt;padding-right:6pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:2.5pt;padding-left:14pt;padding-top:1.75pt; text-align:left;text-decoration:none;text-indent:-8pt;text-transform:none;vertical-align:top;width:51.94%;">&#8211;&#8194;For Contracts with a number starting with AV this first became available to newly issued Contracts on August&#160;24, 2015.<br>
                  &#8211;&#8194;Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ. </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:0pt;padding-right:6pt;padding-top:1.75pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:48.65%;">EURO STOXX 50<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> </td>
                <td style="line-height:0pt;padding-bottom:6pt;padding-right:6pt;padding-top:1.75pt;text-align:left;vertical-align:top;width:2.00%;">&#160; </td>
                <td style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:Normal;font-weight:Normal;line-height:11pt;padding-bottom:6pt;padding-left:14pt;padding-top:1.75pt;text-align:left;text-decoration:none; text-indent:-8pt;text-transform:none;vertical-align:top;width:51.94%;">&#8211;&#8194;For Contracts with a number starting with AV this first became available to newly issued Contracts on August&#160;24, 2015.<br>
                  &#8211;&#8194;Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ. </td>
              </tr>

          </table>
        </div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">If a Crediting Method or Index is not available, you cannot allocate
          to it unless we make it available to you on a future Index Anniversary.<font style="font-weight:Normal;"> Certain Crediting Methods and/or Indexes also may not be available from all selling firms or from all Financial Professionals. Please
            consult with your Financial Professional for more information.</font></div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: uppercase;">Automatic Performance Lock Availability Restrictions</div>
        <div style="color: #000000; font-family: Times New Roman; font-style: Normal; font-weight: Normal; line-height: 12pt; margin-top: 6pt; text-decoration: none; text-transform: none;">Automatic Performance Locks are not available to Contracts issued
          before August 24, 2015, or that have a Contract number starting with GAZ.</div>
      </div>
      <div type="Block" style="margin-top:390pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix F</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;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_f5a010e1-839e-4b4e-87d9-969ee15f0332_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; padding-left: 25.7334pt; text-decoration: none; text-indent: -25.7334pt; text-transform: uppercase;">Appendix

          G &#8211; Selected Financial Data and Statutory Financial Statements</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; margin-top: 6pt; 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 G have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent
          registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street, Suite 3400, Minneapolis, MN.</div>
      </div>
      <div type="Block" style="margin-top:444pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 11pt; text-align: center; text-decoration: none; text-transform: none;">Appendix G</div>
      </div>
      <div type="Block" style="margin-top:3pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;90&#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_48f6378b-4e44-4c19-8dc2-3a0a3a72cf37_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_0aee4df5-87f7-4bcb-b48c-72373f04d660_va-toc"> Table of Contents </a> </div>
      <div type="Block" style="width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:2pt solid #000000;height:2pt;width:100%;">
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;"> <br>
        </div>
        <div style="color: rgb(0, 0, 0); font-style: normal; font-weight: normal; line-height: 13pt; text-decoration: none; text-transform: none;"> <br>
        </div>
        <div style="color: rgb(0, 0, 0); font-style: normal; font-weight: normal; line-height: 13pt; text-decoration: none; text-transform: none;">
          <div style="min-height:45pt;width:100%">
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center">
              <table id="zbd7bfe87651c4ad9a66f623659a9310f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

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

              </table>
            </div>
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;"> Item&#160;11(f).</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Selected Financial Data</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">(dollars in thousands, unless otherwise stated)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table sets forth the Company&#8217;s selected historical
              financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with &#8220;Management&#8217;s Discussion and Analysis of Financial Condition
              and Results of Operations&#8221; and the Company&#8217;s audited Statutory Financial Statements. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">These historical results are not necessarily indicative of results to
              be expected for any future period.</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z9218632c43264c2c8a6902bb4cdd1a1e" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.553%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:31.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.605%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.456%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.605%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.605%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.610%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected income data</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2017</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2016</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">431,944&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,919&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">306,832&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">275,425&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">250,086&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net investment income</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,273&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,421&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,598&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Ceded reinsurance
                      reserve and expense adjustments</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">291&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">201&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">211&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">225&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees from separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,602&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">74,868&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">73,612&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other income</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      income</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">465,926&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">402,908&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">384,949&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">366,521&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder
                      benefits and surrenders</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">244,532&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">255,885&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">246,712&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">240,015&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">173,282&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,503&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(35,379)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,740&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(9,455)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General and
                      administrative and commission</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56,875&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,630&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,506&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,569&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,116&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net transfers to separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,721&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,857&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">104,150&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      benefits and other expenses</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">445,998&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">362,560&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">347,181&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">308,093&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,343)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(292)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,333&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">104&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized
                      capital (loss) gain</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,095)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,217&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(39,732)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(48,008)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (loss) income</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,824)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,857&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5,297)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,316&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital and
                      Surplus:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in unrealized capital (loss) gain</font></div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,845)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,937)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,410&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(21,209)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5,276)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other change in
                      capital &amp; surplus</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,934&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(649)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,579)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,565)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,669)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net change in capital &amp;
                      surplus</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,367)</font></td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52,410)</font></td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,688&#160;</font></td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(29,071)</font></td>
                  <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,371&#160;</font></td>
                  <td style="border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums
                      and annuity and supplementary contract considerations.</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="zc5ee4268d1a647da9cc2530b9a59ead0" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:35.467%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.840%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.840%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.840%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.840%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.843%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">As of December 31,</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected balance sheet data</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2017</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2016</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash and invested assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">590,406&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">596,501&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">652,934&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">630,219&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">641.417&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income
                      due and accrued</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,744&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,921&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,270&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,101&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13.772&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other admitted
                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,604&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,922&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,246&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,048&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.272&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                      assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,677,964&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,752,080&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,463.583&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      admitted assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,377,620&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,846,406&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,340,414&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,396,448&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,124.044&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total policyholder
                      liabilities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490,011&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">487,107&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">484,136&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">524,125&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">517,924&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,226)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(44,099)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(45,390)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(52,815)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59,593)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                      liabilities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,677,964&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,752,080&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,463,583&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,221,651&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,675,070&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,116,710&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,223,390&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,921,914&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      capital and surplus</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223,746&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">173,058&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">202,130&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 1 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Item&#160;11(h).</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Management&#8217;s Discussion and Analysis of Financial Condition and Results
              of Operations</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following discussion and analysis provides an assessment by
              management of the Company&#8217;s financial condition as of December 31, 2020, compared with December&#160;31, 2019, and its results of operations for each of the three years ended December&#160;31, 2020, 2019, 2018, respectively. The information contained
              herein should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2020 and 2019 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated
              basis in accordance with Statutory Accounting Principles (SAP). </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Forward-looking Statements</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">This report reviews the Company&#8217;s financial condition and results of
              operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include &#8220;forward-looking statements&#8221; within the meaning of the Private Securities
              Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like &#8220;believe&#8221;,
              &#8220;expect&#8221;, &#8220;estimate&#8221;, &#8220;project&#8221;, &#8220;budget&#8221;, &#8220;forecast&#8221;, &#8220;anticipate&#8221;, &#8220;plan&#8221;, &#8220;will&#8221;, &#8220;shall&#8221;, &#8220;may&#8221;, and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are
              cautioned not to place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Company Overview</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is a life insurance company domiciled in New York and is
              licensed to sell insurance products in six U.S. states and the District of Columbia. The Company primarily offers a portfolio of individual variable-indexed and variable annuities which are sold through licensed registered representatives
              contracted with a broker/dealer. The Company also maintains a legacy portfolio of individual fixed annuities, individual and group life policies, and individual and group accident and health policies, but does not actively issue new policies
              related to these products. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Allianz Life of New York is a wholly owned subsidiary of Allianz Life
              Insurance Company of North America (Allianz Life). Allianz Life is a wholly owned subsidiary of Allianz of America, Inc. (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE,
              the Company&#8217;s ultimate parent, which is incorporated in Munich, Germany.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has organized its principal operations into the following
              segments: Individual Annuities and Other.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Individual Annuities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Individual Annuities segment provides tax-deferred investment
              growth and lifetime income opportunities for our customers through fixed, fixed-indexed, variable-indexed, and variable annuities. The &#8220;fixed&#8221; and &#8220;variable&#8221; classifications describe whether we or the contractholders bear the investment risk
              of the assets supporting the contract. Variable annuities allow the contractholder to make deposits into various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum
              accumulation benefits, guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be
              increased by additional deposits, bonus amounts, or other account crediting features. The income and accumulation benefits shift a portion of the investment risk from the contractholder back to the Company. The Company's variable annuity
              sales strategy has shifted to variable-indexed annuity products, which combines a separate account option with a general account option that is similar to a fixed-indexed annuity. Sales of the variable-indexed annuity have increased in recent
              years due to an industry shift from traditional variable products to hybrid annuities as well as the Allianz Index Advantage&#174;&#160;New York Variable Annuity product being very competitive. Our Individual Annuity products are sold through
              independent distribution channels made up of registered representatives contracted with a broker dealer. As previously noted, we discontinued selling fixed annuity products and the block of business is in run-off, however, in-force volumes
              are material and thus reported within the Individual Annuities segment.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Other</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Other segment consists of individual term life, which is not
              material enough to break out in a separate segment, as well as closed blocks of life, long-term care (LTC), and Special Markets products. The Special Markets products include individual and group annuity and life products, including whole and
              term life insurance. Although Other products are part of the combined results, the Company does not allocate additional resources to these areas other than to maintain the operational support to its current customers.</font></div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 2 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Income and expense allocation</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">We maintain segregated investment portfolios at the subsidiary level
              but do not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset
              disclosures by segment are not included herein.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Income and expense related to assets backing policyholder reserves are
              allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
              allocated to the segments based on required capital levels for each segment.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Basis of Presentation</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Statutory Financial Statements have been prepared in accordance
              with accounting practices prescribed or permitted by the New York State Department of Financial Services (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York for
              determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC) </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Accounting Practices and Procedures Manual</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in NAIC
              SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S.
              GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The preparation of Statutory Financial Statements in conformity with
              NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31, 2020, and 2019
              and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the
              estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Adoption of New Financial Accounting Standards </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">See Note 3 &#8211; &#8220;Accounting Changes and Correction of Errors&#8221; of the
              Company&#8217;s audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Application of Critical Accounting Policies</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Our accounting policies require management to make interpretative and
              valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently
              entails uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can
              be found in Note 2 of the accompanying Statutory Financial Statements and are summarized below. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Accounting for Investments </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Investment valuation and presentation are determined to be in
              accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Aggregate Reserves for Life Policies and Annuity
              Contracts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">See Notes 10 through 12 of the audited Statutory Financial Statements
              for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Derivatives</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">See Note 2 and 5 of the audited Statutory Financial Statements for
              additional information regarding our derivatives and hedging instruments.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Reinsurance</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">See Note 9 of the audited Statutory Financial Statements for additional
              information regarding reinsurance agreements we have entered into to manage insurance risk as well as businesses we have exited.</font></div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 3 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Income Taxes</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">See Note 7 of the audited Statutory Financial Statements for additional
              information regarding income tax estimates and assumptions.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Individual Annuities and Other</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Based upon the significance of the Individual Annuities segment and its
              overall impact on the total results of operations, we only provided variance commentary at the total company level for the year ended December&#160;31, 2020 compared to 2019 and year ended December&#160;31, 2019, compared to 2018.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Total Results of Operations</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z5229737788c749ff8cd28470960504db" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
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                  </td>
                  <td style="width:10.243%"><br>
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                  </td>
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                  <td style="width:10.243%"><br>
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                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.243%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.302%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
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                  </td>
                  <td style="width:0.546%"><br>
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                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.302%"><br>
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                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
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                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.302%"><br>
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                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.309%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019 - 2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">431,944&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,919&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306,832&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,025&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.6&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,087&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22.8&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                      investment income</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23,273&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,838)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9.3)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,407)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14.6)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and
                      expense adjustments</font></td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">291&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">181&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">201&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.8&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.0)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                      separate accounts</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,602&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,915)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.2)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,642)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5.0)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</font></td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                      income</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">465,926&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">402,908&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,382&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.8&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63,018&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.6&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></div>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder


                      benefits and surrenders</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">244,532&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">255,885&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">246,712&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,353)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.4)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,173&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.7&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,503&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(35,379)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(661)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(26.4)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,882&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107.1&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General
                      and administrative and commission</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56,875&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52,630&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43,506&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,245&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,124&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers to separate accounts</font></div>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107,721&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,035&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.8&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,259&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25.3&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                      benefits and other expenses</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">445,998&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">362,560&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">43,266&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.7&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83,438&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax income (loss)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,044&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,928&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40,348&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,116&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35.7&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20,420)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(50.6)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax
                      expense (benefit)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,343)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(292)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,623&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">117.4&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,051)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized capital (loss) gain</font></td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41,220)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(70,095)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,217&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,875&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41.2&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(77,312)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income
                      (loss)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,456)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(42,824)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47,857&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,368&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63.9&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(90,681)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(189.5)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital (loss) gain</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,845)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,937)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,410&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,092&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79.4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(27,347)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(148.5)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change in capital &amp;
                      surplus</font></td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,934&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(649)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,579)</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,583&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">398.0&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,930&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95.8&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change
                      in capital &amp; surplus</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15,367)</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52,410)</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,688&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37,043&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70.7&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103,098)</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(203.4)</font></td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="42"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and annuity and
                      supplementary contract considerations.</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="42">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#9679;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Not meaningful.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 4 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Selected Operating Performance Measures</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="zf620ccf77b594ed589c317386d1080e8" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:100.000%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:20.477%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.465%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.465%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.465%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.465%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.465%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.465%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.469%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019 - 2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits
                      and gross premiums written:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Individual Annuities</font></td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">371,966&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">298,637&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,595&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.4&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73,329&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.6&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,108&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,149&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,289&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.0)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(140)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.3)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">429,669&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,115&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">302,926&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,554&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.2&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73,189&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.2&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-force:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Individual


                      Annuities</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,990,425&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,613,848&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,101,165&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">376,577&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.4&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">512,683&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.5&#160;</font></td>
                  <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">328,472&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,947&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,361&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">278,525&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">557.6&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,414)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.4)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,318,897&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,663,795&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,154,526&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">655,102&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.9&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">509,269&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.1&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Deposits and in-force amounts in the table above are for direct
              business. Deposits reflect amounts collected on both new and renewal business. Individual Annuities in-force represents account values for our annuity contracts. Other products in-force represent gross life insurance within the life and
              Special Markets products. The deposits increased within Individual Annuities year over year as a result of the continued growth of variable-indexed annuity sales due to competitive product features partially offset by lower traditional
              variable annuity sales the continued run-off of fixed annuities. The increase of in-force in the Individual Annuities segment is primarily driven by growth of the variable-indexed annuity sales and equity market increases resulting in higher
              contractholder account values. In-force within Other products increased due to the new term life policies which were initially marketed in 2020.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Change in Key Market Factors</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Our Individual Annuities segment is impacted by various market impacts
              and movements which are summarized below:</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z6c01adb8c50941449c0da3ae4822a536" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:26.810%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.631%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.631%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% change</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019 - 2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stock Index</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S&amp;P
                      500</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16.26%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28.88%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6.24)%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(12.62)%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35.12%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">NASDAQ 100</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47.58%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37.96%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1.04)%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.62%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39.00%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z2411e3a39bcd4b2bab8df608ee2df3e1" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:26.810%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.631%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.631%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Basis&#160;point&#160;(bps)&#160;change</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019 - 2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest Rates</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">LIBOR 10
                      year</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.93%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.90%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.71%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(97) bps</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(81) bps</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">LIBOR 20
                      year</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.32%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.07%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.83%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(75) bps</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(76) bps</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Year Ended December&#160;31, 2020</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Compared to</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Year Ended December&#160;31, 2019 </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Overview</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The change in capital and surplus was
              unfavorable in 2020, but lower than 2019 due to hedging impacts as a result of equity market increases. Capital and surplus was also unfavorably impacted in 2020 by increases in asset adequacy reserves in the Individual Annuities segment and
              by a Premium Deficiency Reserves (PDR) related to LTC in the Other segment. Also impacting capital in surplus was a higher income tax expense compared to the prior year. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Income</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Premium and annuity considerations</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Premium and annuity considerations
              increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features and a stronger sales focus compared to traditional variable annuity products in the Individual
              Annuities segment. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Net investment income:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Net investment income decreased
              primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account decreased
              despite increased premiums because the significant products are in separate account.</font></div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 5 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Ceded reinsurance reserve and expense adjustments: </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;"> </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Fees from separate accounts</font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: Fees from separate accounts decreased primarily due to lower M&amp;E and benefit rider income from the
              effects of negative equity markets in early 2020, which resulted in lower average traditional variable annuity separate account assets in 2020. The decrease was partially offset by lower variable annuity surrenders.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Benefits and Other Expenses</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Policyholder benefits and surrenders</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Policyholder benefits and surrenders
              decreased primarily due to a decrease in variable and fixed surrender benefits driven by policyholder activity.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Change in aggregate reserves:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Change in aggregate reserves was driven
              by higher variable-indexed premium and annuity considerations and additional asset adequacy reserves that were established for both the variable and fixed annuity lines of business as a result of annual cash flow testing. This is partially
              offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">General and administrative and commission:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">General and administrative
              and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Net transfers to separate accounts:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Income tax expense (benefit)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> The pre-tax income expense in 2020 as
              compared to the pre-tax benefit in 2019 was driven by pre-tax income and hedging impacts.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Net realized capital (loss) gain:</font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> Net realized capital losses are driven by fewer losses on derivatives hedging guarantees in our Individual Annuities segment due to less positive equity
              markets. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Capital and Surplus</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Change in unrealized capital (loss) gain: </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Unrealized capital losses are primarily due to losses on derivatives hedging guarantees in our Individual Annuities segment due to positive equity
              markets.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Other change in capital and surplus: </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Other change in capital and surplus increase was driven by an increase in net deferred income taxes as a result of losses on derivatives hedging
              guarantees due to favorable equity market impacts. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Year Ended December&#160;31, 2019 Compared to Year Ended December&#160;31, 2018 </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Overview</font></div>
          <div style="margin-top:6pt;padding-left:2.25pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The decrease in capital and surplus was primarily driven by realized
              losses due to hedging impacts, an increase in change in aggregate reserves driven by higher variable-indexed premium and annuity considerations, impacts due to favorable equity market performance, and the change in Premium Deficiency Reserves
              (PDR) related to LTC in the Other segment. This was partially offset by favorable variable-indexed annuity premiums which is partially offset by an increase in net transfers to separate accounts both due to an increase in new premiums.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Income</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Premium and annuity considerations</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: Premium and annuity considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by a sales promotion in 2019 and higher
              traditional variable annuity sales driven by market conditions in the Individual Annuities segment. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Net investment income:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> Net investment income decreased primarily due to the sale of the Company's Interest Rate Swap (IRS) portfolio in March of 2018, which caused a decline in derivative instrument income
              as well as negative IMR amortization. In addition, there was a decrease in average invested assets backing policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Fees from separate accounts</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: Fees from separate accounts decreased primarily due to lower M&amp;E and benefit rider income from the effects of negative equity markets in late 2018, which resulted in lower average
              traditional variable annuity Separate Account assets in 2019. The decrease was also impacted by higher variable annuity surrenders.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Benefits and Other Expenses</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Policyholder benefits and surrenders</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: Policyholder benefits and surrenders increased primarily due to an increase in variable surrender benefits driven by policyholder activity. This was partially offset by lower fixed
              surrenders.</font></div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 6 of 15</font></div>
            </div>
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            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Change in aggregate reserves:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> Change in aggregate reserves was driven by higher variable-indexed premium and annuity considerations and an increase in premium deficiency reserves related to the LTC line of business
              which is supported by the gross premium valuation which is conducted annually. This is partially offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">General and administrative and commission:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> General and administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Net transfers to separate accounts: </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Income tax expense (benefit)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">: The higher income tax benefit in 2019 as compared to 2018 was driven by the timing of the increase in hedging losses.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Net realized capital gain (loss): </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Net realized capital losses are driven by negative hedging results in our Individual Annuities segment due to increasing equity markets. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Capital and Surplus</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Change in unrealized capital gain (loss):</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> Unrealized capital losses are primarily due to negative hedging results in our Individual Annuities segment due to increasing equity markets.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">Other change in capital and surplus:</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> Other change in capital and surplus increased to due change in nonadmitted assets driven by negative IMR and a change in accounting principle in 2018. This was partially offset by an
              increase in net deferred income taxes as a result of hedging losses due to favorable equity market impacts. </font></div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 7 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 144%;">The following tables provide the results of operations for the
              Individual Annuities and Other segments:</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 144%;">Individual Annuities</font></div>
          <div style="margin-bottom:7pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Segment Results of Operations</font></div>
          <div style="margin-bottom:12pt;margin-top:11pt">
            <table id="z850281d0d1e644ebbaa0288757a1d6bb" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:22.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.243%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.243%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.243%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.302%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.302%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.302%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.309%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019 - 2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">429,006&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">373,869&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">303,753&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,137&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.7&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,116&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23.1&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                      investment income</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,100&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,813&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,651&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,713)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16.1)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,838)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18.6)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                      separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">72,602&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,915)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.2)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,642)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5.0)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other
                      income</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                      income</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">509,151&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">459,642&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">397,006&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49,509&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.8&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">62,636&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15.8&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits
                      and other expenses:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder benefits and
                      surrenders</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">241,717&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">254,424&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">245,151&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,707)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5.0)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,273&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.8&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                      aggregate reserves</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,248)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16,098)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41,622)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,850&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67.4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,524&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">61.3&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and administrative and
                      commission</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55,706&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,799&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">42,982&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,907&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.5&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,817&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.5&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                      transfers to separate accounts</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107,721&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51,035&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">37.8&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">27,259&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25.3&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total benefits and other
                      expenses</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">478,190&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">425,105&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">354,232&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53,085&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.5&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">70,873&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.0&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax
                      income (loss)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,961&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,537&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">42,774&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,576)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.4)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,237)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19.3)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,465&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,727)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(309)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,192&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">111.5&#160;</font></td>
                  <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,418)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                      realized capital (loss) gain</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(41,117)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(70,099)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,593&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,982&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41.3&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(71,692)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,621)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(22,835)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">44,676&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,214&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49.1&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(67,511)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(151.1)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and
                      Surplus:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital (loss) gain</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,873)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,089)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,051&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,216&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79.4&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(28,140)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(147.7)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other
                      change in capital &amp; surplus</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,697&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(629)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(13,134)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,326&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">369.8&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,505&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95.2&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in capital &amp;
                      surplus</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,797)</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32,553)</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50,593&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,756&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">63.8&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(83,146)</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(164.3)</font></td>
                  <td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="42"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes
                      premiums and annuity and supplementary contract considerations.</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="42">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#9679;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Not meaningful</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 8 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 144%;">Other</font></div>
          <div style="margin-bottom:7pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Segment Results of Operations</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z7e0154369360425a95a7fffe5a80d284" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.255%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:23.937%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.144%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.549%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.144%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.549%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.144%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.549%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:7.895%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.549%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.045%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.549%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.045%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.549%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.352%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                      (decrease) and % change</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020 - 2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019 - 2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,938&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,050&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,079&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(112)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.7)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(29)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.9)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                      investment income</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,927&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,053&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,622&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">874&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28.6&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">431&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and
                      expense adjustments</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">291&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">181&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">201&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">110&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">60.8&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.0)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                      income</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,156&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,284&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,902&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">872&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13.9&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">382&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.5&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder


                      benefits and surrenders</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,815&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,462&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,561&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,353&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">92.5&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(99)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.3)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,090&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,601&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,243&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11,511)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(61.9)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,358&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">197.9&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General
                      and administrative and commission</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,168&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">830&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">524&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40.7&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">306&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58.4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total benefits and other
                      expenses</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,073&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,893&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,328&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9,820)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(47.0)</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,565&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">150.9&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax (loss) income</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,917)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14,609)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,426)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,820&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">67.2&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12,183)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(502.2)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(185)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,384&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,569)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103.4)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,367&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                      realized capital gain (loss)</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(103)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,624&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(107)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,620)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(99.9)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income (loss)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,835)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,989)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,181&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,154&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">80.8&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23,170)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(728.4)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and
                      Surplus:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital gain
                      (loss)</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">152&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(641)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(124)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(81.6)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">793&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">123.7&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other
                      change in capital &amp; surplus</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">237&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,445)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">257&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,425&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">99.2&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in capital &amp;
                      surplus</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,570)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,857)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,287&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">82.0&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(19,952)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM&#9679;</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#9679;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Not meaningful</font></div>
                    <div style="padding-left:9pt;text-indent:-9pt"><br>
                    </div>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Financial Condition</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Investment Strategy </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Our investment strategy focuses on
              diversification by asset class. We seek to achieve economic diversification, while reducing overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
              diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
              estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our
              risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment
              portfolio with contractholder liability cash flows and duration.</font></div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 9 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table presents the investment portfolio at December&#160;31:</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="zcf44ab5f0779492da725139b358c240b" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.138%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying
                      Value</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying
                      Value</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">554,866&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">93.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                      equivalents</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.8&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,013&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.9&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy loans</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">143&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">329&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative assets</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Receivables for
                      securities</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.0&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      cash and invested assets</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">590,406&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">596,501&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Bonds</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Refer to Note 5 of the audited Statutory Financial Statements for
              information regarding the nature of our portfolio of bonds. The tables below set forth the NAIC Securities Valuation Office ("SVO") quality ratings for the Companies bond portfolio at December&#160;31, 2020 and 2019.</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="zf014fd533f2549c099e2d77af90bde31" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.138%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized
                      Cost</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401,626&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63.4&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">370,754&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64.7&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">216,459&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34.2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">188,559&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32.9&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment


                      grade</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">618,085&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.6&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">559,313&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.6&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,442&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.3&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,955&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.3&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">580&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">527&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                      investment grade</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,022&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,482&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">633,107&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z6a20b2a5a94f45cfbe755cd22771c01d" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.138%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized
                      Cost</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">377,821&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63.8&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">357,536&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64.4&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">211,076&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35.6&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,083&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35.0&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment


                      grade</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">588,897&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99.4&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">551,619&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99.4&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,748&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,717&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">551&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">530&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                      investment grade</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,299&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,247&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">592,196&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">554,866&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 10 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Commercial Mortgage-backed</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">and

              Asset-backed Securities </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Commercial mortgage-backed securities (CMBS) represent pools of
              commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC classes and vintage year as of December&#160;31:</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z8e9a41f902f2464b92a4a873af53332a" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.851%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.804%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total CMBS</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,119&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,472&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.7&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,782&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,107&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.0&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,611&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12.9&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2016 and prior</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">64,147&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71.2&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,119&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,119&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="zdd71527bb92547498d8894892713283d" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.851%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.804%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total
                      CMBS</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,511&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,542&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.7&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,121&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.0&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,629&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12.8&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2016</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,100&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21.1&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2015 and prior</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50,119&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">55.4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,511&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,511&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Asset backed security (ABS) holdings consist primarily of aircraft
              leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or limits on these types of investments. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table summarizes our exposure to other ABS holdings by
              NAIC classes and vintage year as of December&#160;31: </font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z63fad588db63448b9e5d408394dc28bc" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.851%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.804%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total
                      other ABS</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2016 and prior</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
                  <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z318d08fc96964faf8925e2c4d44c8fe9" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.851%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.976%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.803%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.804%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total other ABS</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">667&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2017</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2016</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2015 and prior</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">667&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">667&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">667&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 11 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Unrealized investment losses of bonds, for investment grade (NAIC
              classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December&#160;31:</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z4eed080fa5484f4d9d55dcbe3a6544bd" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.138%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment
                      Grade</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below
                      Investment Grade</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or
                      less below fair value</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve
                      months below fair value</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total </font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z61ee2cf4753c401b9dc659e23b184666" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.138%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment
                      Grade</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below
                      Investment Grade</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or
                      less below fair value</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90.9&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve
                      months below fair value</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.1&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total </font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90.9&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.1&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">See Note 5 of the audited Statutory Financial Statements for additional
              disclosures in regards to unrealized investment losses of bonds, December&#160;31.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Other-than-temporary impairments, by market sector, for impairments
              included in the Statements of Operations, were as follows at December&#160;31: </font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="zf7d246a56eb14b2d86119f0ea13eb75c" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.702%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.138%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.780%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.546%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.784%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of
                      Securities</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of
                      Securities</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate
                      securities</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,484&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Refer to Note 6 of the audited Statutory Financial Statements for
              information regarding the fair value and fair value hierarchy level of our financial instruments.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Liquidity and Capital Resources</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Overview</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s liquidity requirements are generally met through funds
              provided by investment income, receipt of insurance premiums, M&amp;E fees and benefit rider income, and maturities and sales of investments. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not utilize the capital markets as a source of
              capital. Should the need for capital arise, the Company may utilize its parent, Allianz Life, as an alternative source of funding. The Company has a line of credit agreement with its parent, Allianz Life, to provide liquidity to the Company,
              as needed. The Company&#8217;s borrowing capacity under the agreement is limited to 5% of the Company&#8217;s general account admitted assets as of the preceding year end. As of December&#160;31, 2020 and 2019, there are no amounts outstanding under the line
              of credit agreement. In addition, if capital infusions are deemed necessary, the Company obtains prior approval by the Department, as appropriate. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The primary uses of funds are policy benefits, commissions, other
              product-related acquisition costs, investment purchases, and operating expenses. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Financial Ratings and Strength</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">We received the following financial strength ratings as of December&#160;31,
              2020:</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">AM Best&#160;&#160;&#160;&#160;A+ (Superior)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">S&amp;P&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;AA (Very Strong)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The financial strength ratings are influenced by many factors including
              the operating and financial performance, asset quality, liquidity, asset/liability management, overall portfolio mix, financial leverage, and exposure to risks.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 12 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Cash Flows</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The cash flows of the Company for the years ended December&#160;31, 2020,
              2019, and 2018 are summarized in the condensed table below:</font><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="z66c96e81cb614711abe4262e0c7e54ec" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:98.660%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:58.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.554%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.569%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.554%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.569%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.554%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.572%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash provided by operating activities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,478&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,664&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,823&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash used in
                      investing activities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(61,112)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32,994)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(12,245)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash (used in)
                      provided by financing and miscellaneous activities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,742)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,296)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,316&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (decrease) increase in cash and cash equivalents</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(24,376)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6,626)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,894&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">We have the funds necessary to meet capital requirements in the state
              of New York and to support our operations.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The increase in net cash provided by
              operating activities in 2020 compared to 2019 is primarily due to an increase in premiums and a decrease in income taxes paid. This was partially offset by an increase in surrenders and annuity benefits, an increase in commissions and lower
              net investment income. Th</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">e decrease in net cash provided by operating activities in 2019 compared to 2018 is primarily due to
              higher commissions, an increase in surrenders and annuity benefits, and lower net investment income. This was partially offset by a decrease in income taxes paid and an increase in premiums.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The increase in cash flow used in investing
              activities in 2020 compared to 2019 was primarily driven by a net increase in bond purchases partially offset by derivative cash impacts. The inc</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">rease in cash flow used in investing activities in 2019 compared to 2018 was primarily driven by derivative cash impacts and partially offset by the net increase in bond purchases.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The decrease in cash provided by financing
              activities in 2020 compared to 2019 is primarily due to the change in payable from parent mostly offset by other miscellaneous activities. Th</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">e decrease in cash provided by financing activities in 2019 compared to 2018 is primarily due to the change in payable from parent. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Risk-Based Capital</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">See Note 15 of the audited Statutory Financial Statements for
              information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December&#160;31, 2020 and 2019.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Statutory Surplus and Dividends</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Statutory accounting practices prescribed or permitted by the Company&#8217;s
              state of domicile are directed toward insurer solvency and protection of policyholders. Additionally, account balances and future policy benefit reserves calculated for statutory reporting do not include provisions for withdrawals.The Company
              is required to meet minimum statutory capital and surplus requirements. The Company&#8217;s statutory capital and surplus as of December&#160;31, 2020 and 2019 were in compliance with these requirements. The maximum amount of dividends that can be paid
              by New York insurance companies to stockholders without prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the
              accounting procedures and practices governing preparation of the statutory annual statement. In accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10%
              of its beginning-of-the year statutory surplus, or its net gain from operations of the insurer, not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends
              of $15,597 can be paid in 2021 without the approval of the Department. The Company paid no dividends and received no capital contributions in 2020, 2019 or 2018.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Commitments</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table summarizes certain contractual obligations and the
              Company&#8217;s expected commitments based on policyholder behavior assumptions by period as of December&#160;31, 2020:</font></div>
          <div style="margin-bottom:11pt;margin-top:11pt">
            <table id="zc00bba853294427a8dc7e814142574d1" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.553%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:26.403%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.801%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.801%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.801%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.801%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.547%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.805%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">In 1 year</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">After 1 year</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">After 3 years</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">After</font></td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">or less</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">up to 3 years</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">up to 5 years</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">5 Years</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Payments due</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder


                      liabilities</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">711,326&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67,220&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">93,708&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">75,454&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">474,944&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Operating


                      leases</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">282&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">75&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      payments due</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">711,608&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67,295&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">93,858&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">75,510&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">474,944&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 13 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Policyholder liabilities include estimated claim and benefit, policy
              surrender and commission obligations offset by expected future deposits and premiums on in-force insurance policies and investment contracts in the Individual Annuities and Other segments. We have excluded the separate account liabilities as
              these obligations are legally insulated from general account obligations and will be fully funded by cash flows from separate account assets. The obligations have not been discounted to present value. Estimated claim and benefit obligations
              are based upon mortality, morbidity and lapse assumptions comparable to historical experience. The results are based on assuming market growth and interest crediting consistent with other valuation assumptions. In contrast to this table, the
              majority of our obligations are recorded on the Balance Sheets at current account values or other prescribed measurements that are not directly related to liability cash flows. These obligations do not incorporate an expectation on future
              market growth, interest crediting, or future deposits. Therefore, due to the significance of the assumptions used, the amounts presented could materially differ from actual results. Operating leases include non-cancelable obligations on
              certain office space and equipment.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Contingencies</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is or may become subject to claims and lawsuits that arise
              in the ordinary course of business. In the opinion of management, the ultimate resolution of any such known litigation will not have a material adverse effect on the Company&#8217;s financial position.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is contingently liable for possible future assessments under regulatory
              requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The financial services industry, variable and fixed annuities, life insurance,
              distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Federal and state regulators, such as state insurance departments,
              state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning various selling
              practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is subject to ongoing market conduct examinations and investigations by
              regulators, which may have a material adverse effect on the Company. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Off-Balance Sheet Arrangements</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have any off-balance sheet transactions,
              arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company&#8217;s liquidity or the requirements for capital resources.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company utilizes exchange-traded futures to economically hedge
              certain product liabilities. Under this kind of transaction, the Company agrees to purchase a specified number of contracts and settles the variation margin with the counterparty on a daily basis in an amount equal to the change in the market
              value of the underlying contracts from the close of the previous trading day. The parties with whom the Company enters into the exchange-traded futures contracts are regulated futures commission&#8217;s merchants who are members of a trading
              exchange.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is exposed to credit-related losses in the event of
              non-performance by counterparties under the terms of the futures contracts. The Company minimizes counterparty credit risk by establishing relationships only with counterparties rated BBB+ and higher. Given the credit ratings of the
              counterparties with which the Company transacts, the Company does not expect any counterparties to fail to meet their obligations. The Company has also executed Credit Support Annex (CSA) agreements with all active counterparties and requires
              a CSA from all new counterparties added to the Company&#8217;s counterparty pool. The CSA agreements further limit the Company&#8217;s counterparty credit risk by requiring the counterparty to post collateral to a segregated custodial account based on
              the net exposure to the Company. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As the Company&#8217;s futures transactions are executed through a regulated
              exchange, positions are marked-to-market and settled on a daily basis, and collateral is posted prior to execution of a transaction. The Company has minimal exposure to credit-related losses in the event of non-performance. The Company is
              required to post collateral for any futures, options and swap contracts that are executed. The amount of collateral required is determined by the exchange on which the contract is traded. For 2020 and 2019, the Company posted U.S. Treasuries
              to satisfy this collateral requirement.</font></div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 14 of 15</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:45pt;width:100%">
            <div><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Item&#160;11(j).</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Quantitative and Qualitative Disclosures about Market Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Market risk is the risk of the loss of fair value resulting from
              adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded.
              Reference Note 4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Sensitivity Analysis</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">To assess the impact of changes in interest rate and equity markets, we
              perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our post-tax income, or fair value of an asset or liability, while holding all other rates or
              prices constant. To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 basis points (bps). To assess equity risk, we perform a sensitivity test which
              instantaneously shocks all equity prices by a hypothetical 15%.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Interest Rate Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">One means of assessing exposure to interest rate changes is to measure
              the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in interest
              rates would cause our post-tax income to increase by $10,059 as of December&#160;31, 2020.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">We also examined the impact on after tax income due to a hypothetical
              decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $13,632 as of December&#160;31, 2020. Note that
              the impacts referenced reflect the net of economic hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Equity Market Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">One means of assessing exposure to changes in equity market prices is
              to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax
              income to increase by $5,982, while an increase in equity market prices would cause our post-tax income to decrease by $5,601 based on our equity exposure as of December&#160;31, 2020. Note that the impacts referenced reflect the net of economic
              hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
          </div>
          <div style="height:63pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><br>
              </div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Selected Financial Data and Management's Discussion and
                  Analysis</font></div>
              <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 15 of 15</font></div>
            </div>
          </div>
        </div>
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          <div style="margin-bottom:6pt;margin-top:237pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
          <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">Statutory Financial Statements</font></div>
          <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">December&#160;31, 2020 and 2019 </font></div>
          <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">(With Report of Independent Auditors Thereon)</font></div>
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          <div style="text-align:center"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">Report of Independent Auditors</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">To the Board of Directors of Allianz Life Insurance Company of New York:</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of New York, which comprise the
              statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2020 and 2019, and the related statutory statements of operations, capital and surplus, and of cash flow for the years then ended. </font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 115%;">Management&#8217;s Responsibility for the Financial Statements</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">Management is responsible for the preparation and fair presentation of the financial statements in accordance with the accounting
              practices prescribed or permitted by the New York State Department of Financial Services. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of
              financial statements that are free from material misstatement, whether due to fraud or error.</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 115%;">Auditors&#8217; Responsibility</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">Our responsibility is to express an opinion on the financial statements based on our audits. We conducted our audits in accordance
              with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.
            </font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The
              procedures selected depend on our judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, we consider internal control relevant to
              the Company's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company's
              internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating
              the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 115%;">Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
              accounting practices prescribed or permitted by the New York State Department of Financial Services, which is a basis of accounting other than accounting principles generally accepted in the United States of America.</font></div>
          <div><br>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and
              accounting principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 115%;">Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
          <div><br>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">In our opinion, because of the significance of the matter discussed in the &#8220;Basis for Adverse Opinion on U.S. Generally Accepted
              Accounting Principles&#8221; paragraph, the financial statements referred to above do not present fairly, in accordance </font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">with accounting principles generally accepted in the United States of America, the financial position of the Company as of December
              31, 2020 and 2019, or the results of its operations or its cash flows for the years then ended.</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 115%;">Opinion on Statutory Basis of Accounting</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">In our opinion, the financial statements referred to above present fairly, in all material respects, the admitted assets,
              liabilities and surplus of the Company as of December 31, 2020 and 2019, and the results of its operations and its cash flows for the years then ended, in accordance with the accounting practices prescribed or permitted by the New York State
              Department of Financial Services</font><font style="color: #ff0000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 115%;"> </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">described in Note 2.</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">/s/ PricewaterhouseCoopers LLP</font></div>
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          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">Minneapolis, MN</font></div>
          <div><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">April 2, 2021</font></div>
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            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2020 and 2019</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data)</font></div>
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                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and invested
                      assets:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">554,866&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash
                      and cash equivalents</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,013&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                      loans</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">143&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">329&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative


                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Receivables


                      for securities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      cash and invested assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">590,406&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">596,501&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income
                      due and accrued</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,744&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,921&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax
                      asset, net</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,487&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,307&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current federal
                      and foreign income tax recoverable</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,390&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,117&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,225&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Admitted


                      assets, exclusive of separate account assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">603,754&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">614,344&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      admitted assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,377,620&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,846,406&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
          <div style="height:54pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zd30b6b1a24af4cc3b56a478d0c39d45e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2020 and 2019</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data)</font></div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt">
            <table id="zea2125f57d034f92b133fdebd83cb22c" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:99.851%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:57.469%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:4.712%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.336%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.545%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.338%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Liabilities and Capital and Surplus</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder
                      liabilities:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                      policies and annuity contracts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">413,759&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">419,693&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident


                      and health policies</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70,999&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63,589&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type


                      contracts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,956&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,604&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                      policy and contract claims</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident


                      and health policy and contract claims</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">274&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      policyholder liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">490,011&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">487,107&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General expenses
                      due and accrued</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">761&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">485&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due from separate
                      accounts</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(60,293)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(56,933)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Payable to parent
                      and affiliates</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,902&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,384&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current income
                      taxes</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,978&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Asset valuation
                      reserve</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,496&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,601&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                      liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,930&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,364&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 46pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Liabilities,


                      exclusive of separate account liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">447,785&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">443,008&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                      liabilities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,232,062&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,221,651&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,675,070&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital and
                      surplus:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common
                      stock, $10 par value. Authorized, issued, and outstanding 200,000 shares at December 31, 2020 and 2019</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,000&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Additional


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


                      surplus</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">81,469&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">96,836&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      capital and surplus</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      liabilities and capital and surplus</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,377,620&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,846,406&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:15pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                      notes to statutory financial statements.</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
          <div style="height:54pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z32fbe220ed894bbfb8681245800a1a45" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Operations</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2020, 2019, and 2018</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt">
            <table id="ze8e702a4065c444585f2e1521bb6e002" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:100.000%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:54.257%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.036%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.036%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.039%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums


                      and annuity considerations</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">428,499&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">375,015&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">301,715&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Consideration


                      for supplementary contracts</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,445&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,904&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,117&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      investment income</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,273&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions


                      and expense allowances on reinsurance ceded</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">291&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">201&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees
                      from separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,045&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68,960&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,602&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      income</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">516,308&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">465,926&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">402,908&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefits and other
                      expenses:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder


                      benefits</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,640&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33,083&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26,024&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Surrenders</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">209,892&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">222,802&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">220,688&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                      in aggregate reserves and deposit funds</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,842&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,503&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(35,379)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions


                      and other agent compensation</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31,709&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,312&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24,543&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General


                      and administrative expenses</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,166&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24,318&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,963&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      transfers to separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,721&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      benefits and other expenses</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,264&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">445,998&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">362,560&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:33.75pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income from operations before income taxes and net realized capital
                        (loss) gain</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,044&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,928&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,348&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense
                      (benefit)</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,343)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(292)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:33.75pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income from operations before net realized capital (loss)</font></div>
                    <div style="padding-left:33.75pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">gain</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,764&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,271&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,640&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized capital (loss) gain, net of taxes and interest maintenance
                        reserve</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,095)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,217&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      (loss) income </font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,824)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,857&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:15pt">
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                      notes to statutory financial statements.</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
          <div style="height:54pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z2c2a293a99a9455ca680158a5f121ecb" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Capital and Surplus</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2020, 2019, and 2018</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt">
            <table id="zb82ca5cfa02b4af5845e2cadc2490c5a" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:100.000%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:54.852%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.734%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.441%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.441%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.444%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital
                      and surplus at beginning of year</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223,746&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">173,058&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in accounting principle, net of tax (Note 3)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,191&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted


                      balance at beginning of year</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223,746&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">176,249&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      (loss) income</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15,456)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(42,824)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,857&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                      in unrealized capital (loss) gain</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,845)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,937)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,410&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                      in net deferred income tax</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,397&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,356&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">332&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                      in nonadmitted assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,698)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,712)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(18,198)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                      changes in capital and surplus</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,765)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,293)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(904)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital


                      and surplus at end of year</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,969&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,336&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223,746&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:15pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                      notes to statutory financial statements.</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><br>
          </div>
          <div style="height:54pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zfa07e844f37d4c95b1b55a2dad18760b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Cash Flow</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2020, 2019, and 2018</font></div>
            <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands)</font></div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt">
            <table id="z25c106d9aceb4d0780a2db3e66bee01c" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:100.000%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:57.084%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:2.180%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.548%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.548%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.544%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.552%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                      operating activities:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Revenues:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums


                      and annuity considerations, net</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">432,042&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,831&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">306,827&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      investment income</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,039&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,640&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26,144&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                      income</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66,336&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69,139&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,805&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      cash provided by operating activities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">519,417&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">468,610&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">405,776&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefits


                      and expenses paid:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefit


                      and loss-related payments</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">242,416&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">254,810&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">245,902&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions,


                      expenses paid, and aggregate write-ins for deductions</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56,583&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,455&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,993&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      transfers to separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">189,376&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">131,928&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72,777&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income
                      tax (benefit received) paid , net</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(7,436)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">753&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,281&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      cash used in operating activities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">480,939&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">439,946&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">366,953&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                      provided by operating activities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,478&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,664&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,823&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                      investing activities:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds


                      from investments sold, matured, or repaid:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,052&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">149,505&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">119,948&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous


                      proceeds</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">374&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,006&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">758&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      cash provided by investing activities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,426&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,511&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">120,706&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cost
                      of investments acquired:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171,141&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100,701&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">123,799&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,397&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,804&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,152&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      cash used in investing activities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">213,538&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">183,505&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">132,951&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                      used in investing activities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(61,112)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32,994)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(12,245)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash flows from
                      financing and miscellaneous activities:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change
                      in payable to parent and affiliates</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">518&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,308)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,895&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,260)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(988)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">421&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 46pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash
                      (used in) provided by financing and miscellaneous activities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,742)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,296)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,316&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:56.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (decrease) increase in cash and cash equivalents</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(24,376)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6,626)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,894&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                      equivalents:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Beginning


                      of year</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,013&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,639&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,745&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">End of
                      year</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,637&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,013&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,639&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:15pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying
                      notes to statutory financial statements.</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:54pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z6561091005934fb5a1f5f46f1849bbe7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(1)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%; padding-left: 15.34pt;">Organization and Nature of Operations</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Allianz Life Insurance Company of New York (the
              Company) is a wholly-owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA). AZOA is a wholly-owned subsidiary of Allianz Europe, B.V., which
              is a wholly-owned subsidiary of Allianz SE. Allianz SE is a European company registered in Munich, Germany, and is the Company's ultimate parent.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is a life insurance company licensed to
              sell annuity, group and individual life, individual long-term care (LTC), and group accident and health policies in six states and the District of Columbia. Based on statutory net premium written, the Company's business is predominately
              annuity. The annuity business consists of variable-indexed and variable annuities. The life business includes individual life and consists entirely of term life policies. Accident and health business consists principally of LTC insurance. The
              Company has discontinued selling fixed annuity and LTC products. The Company's primary distribution channel is through broker-dealers.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">After evaluating the Company&#8217;s ability to continue as
              a going concern, management is not aware of any conditions or events which raise substantial doubts concerning the Company&#8217;s ability to continue as a going concern as of the date of filing these Statutory Financial Statements. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(2)&#160;&#160;&#160;&#160;Summary of Significant Accounting Policies</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Basis of
              Presentation</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Statutory Financial Statements have been prepared
              in accordance with accounting practices prescribed or permitted by the New York State Department of Financial Services (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York
              for determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners
              (NAIC) </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Accounting Practices and Procedures Manual</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in
              NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America
              (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. The more significant of these differences are as follows: </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(1)&#160;&#160;&#160;&#160;Acquisition costs, such as
              commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
              contracts are capitalized and charged to operations as the corresponding revenues or future profits are recognized.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(2)&#160;&#160;&#160;&#160;Aggregate reserves for life
              policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(3)&#160;&#160;&#160;&#160;Ceded reinsurance
              recoverable are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and
              Surplus. Under U.S. GAAP, these ceded reserves are presented on a gross basis as an asset.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(4)&#160;&#160;&#160;&#160;Bonds are carried at values
              prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as &#8220;available-for-sale&#8221; are carried at fair value,
              with unrealized gains and losses recorded in stockholder&#8217;s equity.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(5)&#160;&#160;&#160;&#160;Changes in deferred income
              taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the deferred tax
              asset (DTA) and admittance </font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zcba4bfad44bc42a3aa8790957537a4bf" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                    <tr>
                      <td style="width:1.0%"><br>
                      </td>
                      <td style="width:32.233%"><br>
                      </td>
                      <td style="width:0.1%"><br>
                      </td>
                      <td style="width:1.0%"><br>
                      </td>
                      <td style="width:32.233%"><br>
                      </td>
                      <td style="width:0.1%"><br>
                      </td>
                      <td style="width:1.0%"><br>
                      </td>
                      <td style="width:32.234%"><br>
                      </td>
                      <td style="width:0.1%"><br>
                      </td>
                    </tr>
                    <tr>
                      <td style="padding:0 1pt" colspan="3"><br>
                      </td>
                      <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8 of 42</font></div>
                        <div><br>
                        </div>
                      </td>
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                    </tr>

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">testing may result in an additional charge to capital
              and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(6)&#160;&#160;&#160;&#160;The Company is required to
              establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are
              recorded as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses resulting from changes in the level of prevailing market interest rates and amortize them into income within the
              Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S. GAAP.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (7)&#160;&#160;&#160;&#160;Certain assets designated
              as &#8220;nonadmitted assets&#8221; are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, furniture and fixtures, prepaid expenses, receivables
              outstanding greater than 90&#160;days, negative IMR, and portions of DTAs. There is no such concept under U.S. GAAP. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(8)&#160;&#160;&#160;&#160;A provision is made for
              amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement
              under U.S. GAAP.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(9)&#160;&#160;&#160;&#160;Revenues for universal life
              policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
              administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(10)&#160;&#160;&#160;&#160;Benefits for universal life
              policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits incurred
              in excess of the policyholder&#8217;s contract balance.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(11)&#160;&#160;&#160;&#160;Changes in the fair value
              of derivatives are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, changes in the fair value of
              derivatives are recorded in derivative income (loss) as part of operating income.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(12)&#160;&#160;&#160;&#160;Commissions allowed by
              reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent
              recoverable.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(13)&#160;&#160;&#160;&#160;The Statutory Financial
              Statements do not include a statement of comprehensive income as required under U.S. GAAP.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(14)&#160;&#160;&#160;&#160;The Statutory Statements of
              Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(15)&#160;&#160;&#160;&#160;The calculation of reserves
              and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(16)&#160;&#160;&#160;&#160;Sales inducements and
              premium bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales
              inducements and premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.</font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(17)&#160;&#160;&#160;&#160;Negative cash balances are
              presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(18)&#160;&#160;&#160;&#160;Embedded derivatives are
              not separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at
              fair value.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(19)&#160;&#160;&#160;&#160;For variable-indexed
              annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities are required to be included as part of the Separate account assets and Separate account liabilities
              presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Permitted and Prescribed
              Statutory Accounting Practices</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is required to file annual statements
              with insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well
              as a variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and
              may change in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December&#160;31, 2020, 2019, and 2018.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Use of Estimates</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The preparation of Statutory Financial Statements in
              conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31,
              2020 and 2019, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ
              from the estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Premiums and Annuity Considerations</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Life premiums are recognized as income over the
              premium paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts
              or policies.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Aggregate Reserves for Life Policies and
              Annuity Contracts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Reserves are principally calculated as the minimum
              reserves permitted by the state where the contract is issued for the year in which the contract is issued.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the Company&#8217;s fixed annuity product lines,
              reserves are calculated using CARVM. The Company uses both issue year for fixed-indexed and change in fund basis for deferred fixed-interest annuities for the calculation method, on a continuous basis, using the maximum allowable interest
              rate. Deferred fixed-indexed and fixed-interest annuities only have a single-tier structure, which may include bonuses.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the Company&#8217;s variable and variable-indexed
              annuity product lines, reserves are calculated using NY Regulations 213, for guaranteed benefits with adequacy confirmed using stochastic scenario testing. Variable deferred annuities include a wide range of guaranteed minimum death benefits
              and living benefits (income, accumulation, and withdrawal).</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Aggregate reserves for life insurance policies are
              principally calculated using the Commissioners Reserve Valuation Method (CRVM). Additional reserves are held for supplemental benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial
              guidelines. </font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company performs an annual asset adequacy
              analysis as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth
              scenarios. Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in
              additional adequacy reserves recorded of $13,000 and $0 at December&#160;31, 2020 and 2019, respectively. For the universal life business, the Department&#8217;s Regulation 147 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Valuation of Life Insurance Reserves</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> stand-alone
              asset adequacy analysis was performed, which resulted in establishing additional reserves of $100 as of December&#160;31, 2020 and 2019, respectively.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Aggregate Reserves for
              Accident and Health Policies</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For accident and health business, reserves consist of
              active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the&#160;present value of amounts not yet due). Claim reserves represent incurred but unpaid claims
              under group policies. For the LTC business, the Department&#8217;s Regulation 56 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Minimum Reserves for
              Individual Accident and Health Insurance Policies</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> stand&#8209;alone asset adequacy analysis was performed through a gross premium
              valuation. The testing under the &#8220;sound value&#8221; requirements resulted in establishing additional reserves of $26,573 and $26,948 as of December&#160;31, 2020 and 2019, respectively.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)&#160;&#160;&#160;&#160;Deposit-type Contracts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Deposit-type contracts represent liabilities to
              policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have
              insurance risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(h)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Policy and Contract
              Claims</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Policy and contract claims include the liability for
              claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company&#8217;s accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
              liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
              resulting from disability income or LTC benefits include interest and mortality discounting.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(i)&#160;&#160;&#160;&#160;Reinsurance</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company cedes business to other insurers.
              Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers
              represent account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets
              on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(j)&#160;&#160;&#160;&#160;Investments</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Investment values are determined in accordance with
              methods prescribed by the NAIC. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Bonds</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Securities Valuation Office (SVO) of the NAIC
              evaluates the credit quality of the Company&#8217;s bond investments. Bonds rated at &#8220;1&#8221; (highest quality), &#8220;2&#8221; (high quality), &#8220;3&#8221; (medium quality), &#8220;4&#8221; (low quality), or &#8220;5&#8221; (lower quality) are reported at cost adjusted for the amortization of
              premiums, accretion of discounts, and any impairment. Bonds rated at &#8220;6&#8221; (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory
              Statements of Capital and Surplus. </font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In accordance with its investment policy, the Company
              invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Loan-backed securities and structured securities are
              amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes
              these assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured
              securities, except impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments retrospectively. Any
              resulting adjustment is included in Net investment income on the Statutory Statements of Operations. For impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash flows, the effective
              yield is recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No.&#160;43R &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Loan Backed and Structured Securities</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No.&#160;43R). </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Hybrid securities are investments structured to have
              characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Gross realized gains and losses are computed based on
              the average amortized cost of all lots held for a particular CUSIP. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of bonds is obtained from third-party
              pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the Company's internal and
              external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the internal and external investment managers and reviews pricing for appropriateness. Results of the IPV process are reviewed by
              the Company&#8217;s Pricing Committee.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Allianz Life reviews its entire combined investment
              portfolio, including the investment portfolios of the Company and all other subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For bonds for which the fair value is less than
              amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a)&#160;the length of time and extent to which the fair value has been less than the amortized cost of the security; (b)&#160;changes in
              the financial condition, credit rating, and near-term prospects of the issuer; (c)&#160;whether the issuer is current on contractually obligated interest and principal payments; (d)&#160;changes in the financial condition of the security&#8217;s underlying
              collateral, if any; and (e)&#160;the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related
              impairments are considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the
              investment managers to sell securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Impairments considered to be other-than-temporary are
              recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
              potential offset by AVR and IMR. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Cash and Cash Equivalents</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Cash and cash equivalents may include cash on hand,
              demand deposits, money market funds, and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.</font></div>
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                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Policy Loans</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Policy loans are supported by the underlying cash
              value of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of
              the cash surrender values of the related policies.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Receivables for Securities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Receivables and payables for securities are carried
              at fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in
              Receivables for securities and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(k)&#160;&#160;&#160;&#160;Derivatives</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company utilizes derivatives within certain
              actively managed investment portfolios for hedging purposes.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Futures and Options Contracts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company provides benefits through certain annuity
              products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
              over-the-counter (OTC) option contracts and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management monitors in-force amounts as well as
              option and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as deemed appropriate or take other
              actions. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The OTC option contracts are reported at fair value
              in Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be reasonable via
              performing an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models to
              calculate fair value prices for the derivatives. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements of Operations. The liability for the related policyholder
              benefits is reported in Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC option contracts is recognized as a direct adjustment to
              Unassigned surplus within the Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature (see Note&#160;5 for further discussion).</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Futures contracts do not require an initial cash
              outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
              variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the outstanding unpaid variation margin representing
              market movements on the last trading day of the year. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Gains and losses are not considered realized until
              the termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
              Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.</font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In 2018, NAIC SAP issued an update to SSAP No. 86 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Derivatives </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(SSAP No. 86) clarifying treatment of futures gains and losses, see Note 3 for further discussion. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Interest Rate Swaps and Total Return Swaps</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company utilizes interest rate swaps (IRS) and
              total return swaps (TRS) also to economically hedge market risks embedded in certain annuities. IRS and TRS contracts are reported at fair value in Derivative assets or Derivative liabilities on the Statutory Statements of Admitted Assets,
              Liabilities, and Capital and Surplus. The fair value of the IRS are derived using a third-party vendor software program and deemed by management to be reasonable. Centrally cleared IRS fair values are obtained from the exchange on which they
              are traded. The fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on the swaps are recorded as a direct adjustment to Unassigned surplus within the
              Statutory Statements of Capital and Surplus. Gains and losses on exchange cleared IRS are recorded as unrealized until the contracts mature or are disposed at which time they are recorded as realized, subject to offset by IMR. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In March 2018, the Company changed its hedging
              strategy for certain variable annuities, which resulted in the sale of its IRS portfolio. See Note 5(f) for further details on the sale. As such, the Company does not have any IRS accounted for under SSAP No. 108, </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Derivatives Hedging Variable Annuity Guarantees</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:31.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(l)&#160;&#160;&#160;&#160;Income Taxes</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company files a consolidated federal income tax
              return with AZOA. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax allocation elections under the Internal Revenue Code (IRC)
              and its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company generally will be paid for the tax benefit of any of their tax attributes used by any member of the
              consolidated group.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company provides for federal income taxes based
              on amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
              deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted
              Assets, Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and
              circumstances regarding tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns.
              Information considered includes results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company utilizes the asset and liability method
              of accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing
              assets and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the state of New York.
              Changes in DTAs and DTLs, including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(m)&#160;&#160;&#160;&#160;Separate Accounts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Separate account assets and liabilities are primarily
              funds held for the exclusive benefit of variable and variable-indexed annuity contract holders for which investment income and investment gains and losses accrue directly to and the investment risk is borne by contract holders. Separate
              account assets are reported at fair value in accordance with SSAP No.&#160;56 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Separate Accounts</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No.&#160;56), with the exception of certain bonds, cash, cash equivalents, and investment income due and accrued. Certain assets that
              are allocated to the index options for the Allianz Index Advantage New York Variable Annuity (VIA) are invested in bonds and cash equivalents and carried at amortized cost in accordance with the product filing requirements in the state of New
              York.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Amounts due from separate accounts primarily
              represent the difference between the surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the
              surrender fee that would be paid to the Company upon the surrender of the policy or contract by the policyholder or contract holder as of December&#160;31. Amounts charged to the contract holders for mortality and contract maintenance, and other
              administrative services fees are included in income within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the
              contract period and are recognized as revenue when assessed and earned. Transfers to (from) separate accounts within the Statutory Statements of Operations primarily includes transfers for new premium and annuity considerations, benefit
              payments, surrender charge wear-off, realized and unrealized investment gains/losses, investment income, and other contractholder behavior.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(n)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Receivables</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Receivable balances approximate estimated fair
              values. This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90&#160;days are
              nonadmitted on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-22.5pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(o)&#160;&#160;&#160;&#160;Reclassifications</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Prior year balances have not been reclassified to
              conform to the current year presentation. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(3)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Accounting Changes and Corrections of Errors</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Accounting Changes</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Variable-Indexed Annuity Basic
              Adjusted Reserve Calculation</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In 2018, the Company changed its methodology used to
              calculate the Basic Adjusted Reserve for variable-indexed annuities to utilize the guaranteed cap instead of the projected index option. The prior period impacts of the methodology change were recorded in 2018 and resulted in a pre-tax
              decrease of $4,040 to Policyholder liabilities for Life policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The corresponding increase to surplus of $3,191 is recorded in
              Change in accounting principle, net of tax within the Statutory Statements of Capital and Surplus.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Recently Issued Accounting Standards &#8211; Adopted</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:120%"> in </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">2020</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In 2016, the NAIC adopted revisions to SSAP No. 51R,
              Life Contracts and SSAP No. 54, Individual and Group Accident and Health Contracts, Issue Paper No. 154, Implementation of Principles-Based Reserving. These revisions relate to the adoption of the Valuation Manual and provides for principles
              based reserving for Life and Heath contracts. The Valuation Manual is part of the Department Regulation 213. Final adoption of the First Amendment to Regulation 213 was published February 2020 and provides the following revisions: 1) VM-20,
              Requirements for Principle-Based Reserves for Life Products, is effective January 1, 2020. However, an insurer may request a one-year delay in adopting this standard. The Company has an agreement with the Department that it will adopt
              Regulation 213 for life products in 2021. 2) VM-21, Requirements for Principle-Based Reserves for Variable Annuities, applies to business issued on or after January 1, 2017. Under VM-21, during 2017, 2018, and 2019, the Company elected to </font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">combine contracts subject to Actuarial Guideline 43
              and VM-21 for purposes of calculating reserves. In 2019, the NAIC adopted revisions to both Actuarial Guideline 43 and VM-21, effective January 1, 2020. The implementation of the Regulation 213 revisions as of January 1, 2020 resulted in no
              change in reserves. The portion of the Standard reserve that was impacted with the implementation of Regulation 213 did not exceed the offsetting hedge component within the calculation after the changes, resulting in no impact to the reported
              reserve. The 2019 amendments to VM-21 allow an optional phase-in of the increase which the Company did not elect. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum
              Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not issue these contracts.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In August 2019, the NAIC adopted SSAP No. 22R,
              Leases. This revised standard is a substantive revision, reorganization, and clarification of SSAP 22. It adopts much of the language of US GAAP Accounting Standards Update (ASU) 2016-02, Leases, but retains operating lease accounting for
              Statutory accounting. It was effective January 1, 2020, with early adoption permitted. The Company adopted these revisions effective January 1, 2020. There was no impact on net income or surplus during the year ended December 31, 2020, as a
              result of adopting the revisions.&#160;&#160;&#160;&#160;</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In March 2020, the NAIC adopted INT 20-01, Reference
              Rate Reform. The interpretation adopted the optional guidance outlined in ASU 2020-04, Reference Rate Reform, for a limited period of time to ease the potential burden on accounting for reference rate reform. The practical expedients outlined
              in the interpretation are for modifications solely related to reference rate reform and optionally suspends assessments for re-measuring a contract and de-designating a hedge relationship. This interpretation is effective on the date of
              adoption and expires on December 31, 2022. The Company adopted the optional guidance in this interpretation effective March 12, 2020. As of December 31, 2020, the Company has not made any modifications to financial assets or liabilities as a
              result of reference rate reform.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In April, May, June, and August 2020, the NAIC
              adopted and extended, the following interpretations (INT) in response to the COVID-19 pandemic: </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-02, Extension of 90-Day Rule for the Impact of COVID-19. This INT extends a one-time optional extension of the
              nonadmission assessment guidance for premiums and similar receivables due from policyholders or agents. For receivables that were current prior to the beginning of the declaration of a state of emergency by the U.S. federal government on
              March 13, 2020 or originated on or after March 13, 2020, insurers may continue to admit assets greater than 90 days past due. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and
              expired on December 30, 2020. This INT did not have a material impact to the Company.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-03, Troubled Debt Restructuring Due to COVID-19. This INT follows the interagency COVID-19 guidance issued by federal and
              state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms do not result in troubled debt
              restructurings as long as the modification is in response to COVID-19, the borrower was current at the time of the modification, and the modification is short-term. In addition, insurers are not required to designate mortgage loans or bank
              loans with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this
              INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not have a material impact to
              the Company.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-04, Mortgage Loan Impairment Assessment Due to COVID-19. This INT defers the impairment assessment for bank loans,
              mortgage loans, and investments which predominantly hold underlying mortgage loans and are impacted by forbearance or modifications in response to COVID-19. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020
              financial statements and expired on December 30, 2020. This INT did not have a material impact to the Company.</font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-05, Investment Income Due and Accrued. This INT provides temporary relief guidance for assessing the collectability of
              interest income, admissibility relief of accrued investment income 90 days past due, and clarifies how interest income should be recognized during a payment holiday. This INT is applicable for the June 30, 2020, and September 30, 2020
              financial statements and expired on December 30, 2020. This INT did not have did not have a material impact to the Company.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-06, Participation in the 2020 TALF Program. This INT provides guidance for reporting Term Asset-Backed Securities Lending
              Facility (TALF) loans for the duration of the 2020 TALF program. This INT did not impact the Company as the Company did not participate in this program.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provides temporary guidance by
              allowing practical expedients when assessing whether modifications made to debt securities (under SSAP No. 26R and SSAP No. 43R) due to COVID-19 are insignificant. Specifically, the guidance proposes restructurings in response to COVID-19 are
              considered to be insignificant if the restructuring results in a 10% or less shortfall amount in the contractual amount due and does not extend the maturity of the investment by more than 3 years. This INT was effective for the period
              beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on
              which the national emergency declared by the President terminates. This INT did not have a material impact to the Company. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#8226;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%; padding-left: 14.5pt;">INT 2020-08, COVID-19 Premium Refunds, Rate Reductions and Policyholder Dividends. This INT provides guidance for returns or
              benefits to policyholders. This INT did not impact the Company.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">These INTs have an immaterial effect on the financial
              statements as of December 31, 2020. The Company will continue to monitor these INTs and assess impacts until they are nullified.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In May 2020, the NAIC adopted revisions to SSAP No.
              26R, Bonds, which provides clarifying guidance when assessing other than temporary impairments (OTTI) for debt instruments that have been previously modified pursuant to SSAP No. 36, Troubled Debt Restructuring, or SSAP No. 103R, Transfers
              and Servicing of Financial Assets and Extinguishments of Liabilities. The revisions to SSAP No. 26R state subsequent OTTI assessments for debt instruments modified under SSAP No. 36 or SSAP No 103 will be based on the modified contractual
              terms and not revert back to the original acquisition terms. These revisions were effective May 20, 2020 and were subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a
              result of adopting the revisions.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In November 2020, the NAIC adopted revisions to SSAP
              No. 43R, Loan-Backed and Structured Securities. The revisions reflect the updated NAIC designation category for residential and commercial mortgage-backed securities that utilize the financial modeling guidance. The revisions were effective
              November 12, 2020 and was subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of adopting the revisions.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Recently Issued Accounting
              Standards &#8211; Adopted in 2019</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Not applicable.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Recently Issued Accounting
              Standards &#8211; Adopted in 2018</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In 2017, the NAIC adopted revisions to SSAP No. 86.
              These revisions clarify that variation margin changes should not be recognized as "settlement" until the derivative contract has terminated and instead should be recognized as an adjustment to the carrying value of the derivative contract as
              a separate asset or liability. The revisions are effective January 1, 2018 with prospective application. Upon adoption, the Company reflected a prospective change in variation margin for all futures contracts as unrealized until sale,
              maturity, or expiration, resulting in a pre-tax decrease of $7,969 to net income and no impact to surplus for the year ended December 31, 2018.</font></div>
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                        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17 of 42</font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Corrections of Errors </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company records correction of errors in
              accordance with SSAP No.&#160;3 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Accounting Changes and Correction of Errors</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No. 3). SSAP No.&#160;3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported as an adjustment
              to capital and surplus in the period the error is detected. These errors are shown within Correction of errors, net of tax, on the Statutory Statements of Capital and Surplus.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;"> (4)&#160;&#160;&#160;&#160;Risk Disclosures</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following is a description of the significant
              risks facing the Company and how it attempts to mitigate those risks: </font></div>
          <div style="margin-bottom:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Credit Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Credit risk is the risk that issuers of fixed-income
              securities, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit losses. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates this risk by adhering to
              investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The
              Company considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The
              aggregate credit risk is influenced by management&#8217;s risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For derivative counterparties, the Company mitigates
              credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and monitoring
              the credit default swaps (CDS) of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company executes Credit Support Annexes (CSA)
              with all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a
              clearinghouse thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.</font></div>
          <div style="margin-bottom:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Credit Concentration Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Credit concentration risk is the risk of increased
              exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
              jurisdiction) affecting credit.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s Finance Committee, responsible for
              asset/liability management (ALM) issues, recommends an investment policy to the Company&#8217;s Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset
              class. The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state
              statutes. Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently,
              the BOD review the investment policy at least annually. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">To further mitigate this risk, internal concentration
              limits based on credit rating and sector are established and are monitored regularly by Allianz Life on a consolidated basis. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further purchases, and
              the excess exposure may be actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly concentration risk
              calculation to ensure compliance with the State of New York basket clause.</font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Liquidity Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Liquidity risk is the risk that unexpected timing or
              amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual
              guarantees. Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be affected by the maturity of liabilities, the presence of
              withdrawal penalties, the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are cancelable. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company manages liquidity within four specific
              domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company&#8217;s derivative dynamic economic hedging
              activities; and (4) establishing a liquidity facility with Allianz Life to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company&#8217;s Risk Committee, and the Company monitors its
              liquidity risk regularly.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Interest Rate Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Interest rate risk is the risk that movements in
              interest rates or interest rate volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has an ALM strategy to align cash flows
              and duration of the investment portfolio with policyholder liability cash flows and duration. Allianz Life monitors the economic and accounting impacts of interest rate sensitivities on assets and liabilities on a consolidated basis regularly
              and on the Company's specific basis periodically.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Equity Market Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Equity market risk is the risk that movements in
              equity prices or equity volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Variable annuity products guarantee minimum payments
              regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Allianz Life monitors the impacts of equity
              sensitivities on assets and liabilities on a consolidated basis regularly and on the Company&#8217;s specific basis periodically.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Basis risk is the risk that variable annuity hedge
              asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company&#8217;s inability to directly hedge the underlying investment options of the
              variable annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Operational


              Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Operational risk is the risk of loss resulting from
              inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment
              practices and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is
              comprehensively managed through a combination of core qualitative and quantitative activities. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Operational Risk Management framework includes
              the following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) loss data capture to create transparency and
              gather information about losses that meet a designated threshold. Business owners are required to identify and resolve the root cause of </font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
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            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">operational loss events; and (3) an integrated risk
              and control system, a bottom-up risk assessment process for significant operational risk scenarios, to proactively manage significant operational risk scenarios throughout the organization. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)&#160;&#160;&#160;&#160;Regulatory Change Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Regulatory change risk is the risk that regulatory
              changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company actively monitors all regulatory changes
              and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists to
              review, analyze, and implement new legislation as it is enacted. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(h)&#160;&#160;&#160;&#160;Rating Agency Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Rating agency risk is the risk that rating agencies
              change their outlook or rating of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in these models and the impact
              that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant transactions on such
              capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency risk is also addressed in the TRA process and on an ad hoc basis as necessary.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(i)&#160;&#160;&#160;&#160;Mortality/Longevity Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Mortality/longevity risk is the risk that mortality
              experience is different than the life expectancy assumptions used by the Company to price its products. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates mortality risk primarily
              through reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the
              review of life expectancy assumptions and experience in conjunction with active product management. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(j)&#160;&#160;&#160;&#160;Lapse Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Lapse risk is the risk that actual lapse experience
              evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates this risk by performing
              sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
              evolves. Policyholder experience is monitored regularly.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(k)&#160;&#160;&#160;&#160;Cyber Security Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Cyber security risk is the risk of losses due to
              external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery
              measures including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular
              scanning of all servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-18pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(l)&#160;&#160;&#160;&#160;Reinsurance Risk</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Reinsurance risk is the risk that reinsurance
              companies default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management. </font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z44938a7ed060470f8e870dd5d112a5e1" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Reinsurance contracts do not relieve the Company from
              its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company mitigates this risk by requiring certain
              counterparties to meet thresholds related to the counterparty&#8217;s credit rating, exposure, or other factors. If the thresholds are not met by those counterparties, they are required to establish a trust or letter of credit backed by assets
              meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of credit are sufficient to support the ceded liabilities and that their terms are being met. Also, the Company reviews the
              financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to minimize its exposure to significant losses from reinsurer insolvencies regularly.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(5)&#160;&#160;&#160;&#160;Investments</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Bonds and Other Assets
              Receiving Bond Treatment</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">At December&#160;31, the amortized cost, gross unrealized
              gains, gross unrealized losses, and fair values of investments are shown below: &#160;&#160;&#160;&#160;</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt;text-align:justify">
            <table id="zc2e5af246df84f779568c14eeaf71d66" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:38.764%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.089%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.089%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.089%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.093%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                      government</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100,155&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,304&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102,107&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States
                      and political subdivisions</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,010&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,299&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,309&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate


                      securities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">323,878&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47,863&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">371,741&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed


                      securities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">141,752&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,198&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,950&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,664&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">633,107&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt;text-align:justify">
            <table id="z006be573fa2b4d7198c90b51bb6bd209" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:90.090%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:38.900%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.066%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.066%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.066%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.070%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                      government</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70,170&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">432&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">77&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70,525&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States
                      and political subdivisions</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,092&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">686&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,778&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate


                      securities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">338,916&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31,107&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">370,013&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed


                      securities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">138,688&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,194&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">143,880&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">554,866&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37,419&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">592,196&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">At December&#160;31, 2020 and 2019, the Company did not
              have NAIC-6 rated bonds. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">At December&#160;31, 2020 and 2019, the Company did not
              have any hybrid securities. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020 and 2019, investments with a
              statement value of $1,662 and $1,667, respectively were held on deposit as required by statutory regulations. </font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z74be37fbc95d416294b1d2304dcc5cea" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The amortized cost and fair value of bonds and other
              assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December&#160;31, 2020, by contractual maturity, are shown below:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z9b3985798ad24e67b3a9d747027aeb98" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:57.683%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:18.663%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:18.666%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due in 1 year or
                      less</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37,018&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37,348&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 1 year
                      through 5 years</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">172,214&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">182,074&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 5 years
                      through 10 years</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">104,596&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">114,851&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 10 years
                      through 20 years</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,318&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">105,447&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 20 years</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33,897&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,436&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Loan-backed and
                      other structured securities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">141,752&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,951&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total


                      bonds and other assets receiving bond treatment</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">633,107&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Expected maturities will differ from contractual
              maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Proceeds from sales of bonds includes sales,
              maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="za49a0aa50fe0494a946194a1a9d04ae8" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:89.039%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:50.333%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.245%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.245%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.248%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds from
                      sales</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152,052&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">149,505&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">119,948&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross gains</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,883&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,314&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">299&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross losses</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">297&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">481&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,061&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the years ended December&#160;31, 2020 and 2019, there
              were 15 and 7 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $735 and $212 for 2020 and 2019,
              respectively.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s bond portfolio includes mortgage-backed
              securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Unrealized Investment Losses</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">To determine whether or not declines in fair value
              are other than temporary, Allianz Life performs a quarterly review of its entire combined investment portfolio, including the Company as their subsidiary, using quoted market prices by third-party sources. For further discussion, see Notes 2
              and 6.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Unrealized losses and the related fair value of
              investments held by the Company for the years ended December 31 are shown below: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zc50b5ed1ff2448389610938075e62643" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:29.812%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.718%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or less</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S.
                      government</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,941&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,941&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate


                      securities</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,000&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,000&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      temporarily impaired securities</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,941&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,941&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">352&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z7ec26930b07c433c87a48be856ec5e97" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z6bc629cb52994d5fa2245a606e8f9d48" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:29.812%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.710%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.718%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or less</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S.
                      government</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,753&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,753&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate


                      securities</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">495&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">273&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">768&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed


                      securities</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,011&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,011&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      temporarily impaired securities</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,259&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">273&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,532&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020 and 2019, the number of bonds
              that were in an unrealized loss position was 4 and 6, respectively.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020 and 2019, of the total amount
              of unrealized losses, $352, or 100.0%, and $80, or 90.4%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized losses
              on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be received
              and does not consider these investments to be other-than-temporarily impaired. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Realized Investment Gains
              (Losses)</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Net realized capital gains (losses) for the years
              ended December&#160;31 are shown below: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zce84b786e8734637b40f108f1e2ce8a1" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.738%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:53.214%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.959%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.282%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.607%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">101&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">784&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,125)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(40,495)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,151)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(37,022)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      realized capital losses</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(40,349)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(69,363)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(39,120)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax
                      (expense) benefit on net realized losses</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(651)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(118)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">335&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      realized capital losses, net of taxes</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,000)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(69,481)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(38,785)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net gains (losses)
                      transferred to IMR, net of taxes</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">220&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">614&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(46,002)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      realized (losses) gains, net of taxes and IMR</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(41,220)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(70,095)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,217&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Net Investment Income</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Major categories of net investment income for the
              years ended December&#160;31 are shown below:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z86956e787ab34d2b9a9ab308ffb72947" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:90.540%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:53.294%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.629%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.659%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.629%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.830%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.629%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.330%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,529&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,636&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,183&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                      loans</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(12)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash,
                      cash equivalents, and short-term investments</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">245&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">686&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">779&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">990&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">59&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross
                      investment income</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,831&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,387&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,970&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                      expenses</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,239)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(974)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(691)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      investment income before amortization of IMR</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,592&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,413&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,279&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amortization of
                      IMR</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,564)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,547)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      investment income</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,028&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,866&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,273&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zfd21489663f34e278500a2664db3a682" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Loan-Backed Securities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">SSAP No.&#160;43R requires the bifurcation of impairment
              losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the amortized cost
              basis of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company had no loan-backed securities with a
              recognized OTTI for the years ended December&#160;31, 2020 and 2019.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Derivatives and Hedging
              Instruments </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have derivative contracts with
              financing premium. Derivatives held by the Company do not qualify for hedge accounting treatment. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In March 2018, the Company changed its hedging
              strategy for certain variable annuities, which resulted in the sale of its IRS portfolio. As a result of the sale, the Company recorded a realized loss of $56,161 that was offset by IMR of $44,367 and a tax benefit of $11,794. The sale
              resulted in a negative IMR balance that was reclassified to an asset and fully nonadmitted.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Futures and Options Contracts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">OTC options are cleared through the Options Clearing
              Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures and OTC options are discussed in the
              derivative collateral management section below. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Total Return Swaps</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company engages in the use of OTC TRS, </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">which allow the parties to exchange cash flows based on a variable reference rate such as the three-month LIBOR
              and the return of an underlying index. </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of the collateral posted for OTC TRS is discussed in the derivative
              collateral management section below.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table presents a summary of the
              aggregate notional amounts and fair values of the Company&#8217;s derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z5569b8fc594245e3871d14790b724e18" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:89.039%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:26.050%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.198%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.198%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.198%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.198%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.198%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.202%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">OTC options</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,667&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194,850&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231,731&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238,907&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,000&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,000&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      derivative instruments</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:11pt">
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="39">
                    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Notional amounts are presented on an absolute basis.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z6ccd7d5ddcd847a2a33c4487a6241224" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-top:3pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Derivative Collateral Management</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company manages derivative collateral for the
              general account and separate account combined and separate collateral for exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December&#160;31, 2020 and 2019, had a fair value of $49,781 and $24,773,
              respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the exchange-traded collateral, but the collateral
              resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation. The Company had no collateral posted for OTC derivatives as of December&#160;31, 2020 and 2019. The Company posts
              collateral to OTC counterparties based upon exposure amounts. The Company retains ownership of the OTC collateral.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Offsetting
              Assets and Liabilities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company elects to disclose derivative assets and
              liabilities eligible for offset under SSAP No.&#160;64 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Offsetting and Netting of Assets and Liabilities</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> on a gross basis on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with the provisions
              set forth in SSAP No.&#160;86. This treatment is consistent with the Company&#8217;s historical reporting presentation.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(h)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Restricted
              Assets</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020, the Company had the following restricted
              assets, including assets pledged to others as collateral:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zf38ba5cba88746e887607231255c65c2" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.588%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:23.984%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.916%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.747%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.747%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.272%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.103%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.986%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.110%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Restricted</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Percentage</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total general account</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total from prior year</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Increase
                      (decrease)</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total current
                      year admitted restricted</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross restricted to total assets</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted restricted to total admitted assets</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">On deposit with
                      states</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,662&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,667&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,662&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                      collateral</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,071&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,310&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,761&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,071&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      restricted assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,733&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,977&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,756&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,733&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.1&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(6)&#160;&#160;&#160;&#160;Fair Value Measurements</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">SSAP No. 100R &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Fair Value</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> establishes a
              fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-51.75pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Level&#160;1 &#8211; &#160;&#160;&#160;&#160;Unadjusted quoted
              prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-51.75pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Level&#160;2 &#8211; &#160;&#160;&#160;&#160;Valuations derived
              from techniques that utilize observable inputs, other than quoted prices included in Level&#160;1, which are observable for the asset or liability either directly or indirectly, such as: </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Quoted prices for similar
              assets or liabilities in active markets. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Quoted prices for identical
              or similar assets or liabilities in markets that are not active. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Inputs other than quoted
              prices that are observable. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Inputs that are derived
              principally from or corroborated by observable market data by correlation or other means. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Level&#160;3 &#8211; &#160;&#160;&#160;&#160;Valuations derived
              from techniques in which the significant inputs are unobservable. Level&#160;3 fair values reflect the Company&#8217;s own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions
              about risk).</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has analyzed the valuation techniques and
              related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
              and investment class analysis, each financial asset and liability was classified into Level&#160;1, 2, or 3.</font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z152f187b3b38498e921aa64bf113ec3e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following presents the assets and liabilities
              measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December&#160;31: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="zfeee673161db45429e59443dc00bf0e0" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.444%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:27.675%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.916%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets


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


                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate


                      account assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,273,066&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">319,099&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,592,165&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      assets reported at fair value</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,273,066&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">319,440&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,592,506&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities


                      at fair value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate


                      account derivative liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      liabilities reported at fair value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194,296&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:9pt">
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="27">
                    <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2
                        within this table.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z415564870ce34664ba2a6c6fd3253417" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.444%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:27.675%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:15.916%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline"> (a)</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets


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


                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate


                      account assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,295,709&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">125,436&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,421,145&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      assets reported at fair value</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,295,709&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">125,719&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,421,428&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities


                      at fair value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate


                      account derivative liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,644&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">51,037&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">51,037&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      liabilities reported at fair value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">51,037&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">51,037&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:11pt">
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="27">
                    <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following is a discussion of the methodologies
              used to determine fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a
              liability). The Company has not made changes to valuation techniques in 2020. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)&#160;&#160;&#160;&#160;Valuation of Derivatives</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Active markets for OTC options do not exist. The fair
              value of OTC options is derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic
              scenario calibrator, and the actual asset pricing calculator. The valuation results are reviewed by Management via the Pricing Committee. OTC options that are internally priced and IRS are included in Level&#160;2, because they use market
              observable inputs. TRS are included in Level&#160;3 because they use valuation techniques in which significant inputs are unobservable. The fair value of futures is based on quoted market prices and are generally included in Level&#160;1. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Certain derivatives are priced using external
              third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. Using market observable inputs, IRS prices are derived from a third-party source and are independently recalculated internally and reviewed
              for reasonableness at the position level on a monthly basis. TRS prices are obtained from the respective counterparties. These prices are also </font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zdd6808a91b4347c5b40745dc65f0dbe8" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">internally recalculated and reviewed for
              reasonableness at the position level on a monthly basis. The Company does not have insight into the specific inputs used by third-party vendors; however, the key unobservable input would generally include the spread.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)&#160;&#160;&#160;&#160;Valuation of Separate
              Account Assets and Separate Account Derivative Liabilities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Separate account assets and Separate account
              derivative liabilities, with the exception of certain bonds, cash, cash equivalents and investment income due and accrued, are carried at fair value, which is based on the fair value of the underlying assets which are described throughout
              this note. Funds in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or specialty. Variable investment option funds are included
              in Level&#160;1 because their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the general account (e.g., if the separate account
              invested in bonds, short-term investments and derivatives, that portion could be classified within Level&#160;2 or Level&#160;3).</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">
              Certain b</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">onds, cash and cash equivalents, along with related accrued investment income and receivables, carried at amortized
              cost within the separate account have an amortized cost of $1,181,701 and $810,917 as of December&#160;31, 2020 and 2019, respectively, and a fair value of $1,267,749 and $843,261 as of December&#160;31, 2020 and 2019, respectively. Separate account
              assets carried at amortized cost are included in the table in section 6(g) below. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)&#160;&#160;&#160;&#160;Level&#160;3 Rollforward</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following table provides a reconciliation of the
              beginning and ending balances for the Company&#8217;s Level&#160;3 assets and liabilities measured at fair value on a recurring basis:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z4657e1689bd4444d856e5b2f73765f80" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:89.939%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:20.936%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.584%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.584%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.751%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.252%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.252%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.419%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.422%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2020</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                      Level 3</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                      of Level 3</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                      and (losses)<br>
                      included in<br>
                      Net Income</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                      and (losses)<br>
                      included in<br>
                      Surplus</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and
                      settlements</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2020</font></td>
                </tr>
                <tr style="height:11pt">
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS asset</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,020&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,020)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      Level 3 assets</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,020&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,020)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:11pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS
                      liability</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,366)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,366&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      Level 3 liabilities</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8,366)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,366&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z12888768d727476a902b583b9fd90355" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:90.090%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:20.400%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.566%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:9.733%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.400%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:10.402%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2019</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                      Level 3</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                      of Level 3</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                      and (losses)<br>
                      included in<br>
                      Net Income</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                      and (losses)<br>
                      included in<br>
                      Surplus</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and
                      settlements</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2019</font></td>
                </tr>
                <tr style="height:11pt">
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS asset</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,182)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      Level 3 assets</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,182)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:11pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS
                      liability</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,827)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,827&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                      Level 3 liabilities</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,827)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,827&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)&#160;&#160;&#160;&#160;Transfers</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company reviews its fair value hierarchy
              classifications annually. Transfers between levels occur when there are changes in the observability of inputs and market activity. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">For the years ended December&#160;31, 2020 and 2019, the Company did not have
              any transfers into or out of Level 3.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)&#160;&#160;&#160;&#160;Sensitivity of Fair Value
              Measurements to Changes in Unobservable Inputs</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Derivative assets and liabilities: </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have
              insight into the specific inputs used; however, the key unobservable input would generally include the spread. For a long position, a significant </font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zf86856175cd5426faae5995b58201120" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">increase (decrease) in the spread used in the fair
              value of the TRS in isolation could result in higher (lower) fair value. For a short position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.</font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)&#160;&#160;&#160;&#160;Estimates</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has been able to estimate the fair value
              of all financial assets and liabilities. </font></div>
          <div style="margin-bottom:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(g)&#160;&#160;&#160;&#160;Aggregate Fair Value of Financial
              Instruments</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The following tables present the carrying amounts and
              fair values of all financial instruments at December 31 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(b)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zc7eef6eadb624c178b002cacbc90b4fe" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.588%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:26.018%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.635%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair
                      Value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/<br>
                      Carrying Value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial


                      Assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">633,107&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">572,795&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,107&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">531,000&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                      equivalents</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,279&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,279&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,279&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative


                      assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                      account assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,859,915&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,334,838&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,525,077&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial


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


                      contracts</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,056&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,956&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,056&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                      investment contracts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539,498&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">389,832&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">539,498&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                      account liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,859,915&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,773,866&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,334,838&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,525,077&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:9pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
                    <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                        addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zb22195aa3fa741f590a6b7eb54980b7e" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.588%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:26.018%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.628%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.635%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair
                      Value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/<br>
                      Carrying Value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial


                      Assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">592,196&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">554,866</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,525</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521,671</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                      equivalents</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,050&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,050&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,050&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative


                      assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                      account assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,264,406&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,232,062</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,320,888</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">943,518</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial


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


                      contracts</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,176&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,604</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,176&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                      investment contracts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">519,727&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">397,644</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">519,727&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                      account liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,264,406&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,232,062</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,320,888&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">943,518&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:9pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
                    <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                        addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">A description of the Company&#8217;s valuation techniques
              for financial instruments not reported at fair value and categorized within the fair value hierarchy is shown below:</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Bonds</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of bonds is based on quoted market
              prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard
              inputs are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in
              approximate order of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities </font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zee93018ef41f4d049e56169a884dea0a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Rulemaking Board reported trades, Nationally
              Recognized Municipal Securities Information Repository material event notices, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and industry and economic events. In some cases,
              including private placement securities and certain difficult-to-price securities, internal pricing models may be used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury rates are used to value
              private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted spread (OAS). CDOand
              certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have insight into the specific inputs; however, the key unobservable inputs would
              generally include default rates.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Generally, U.S. Treasury securities and
              exchange-traded stocks are included in Level&#160;1. Most bonds for which prices are provided by third-party pricing sources are included in Level&#160;2, because the inputs used are market observable. Bonds for which prices were obtained from broker
              quotes, certain bonds without active trading markets and private placement securities that are internally priced are included in Level&#160;3.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Cash Equivalents</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Cash equivalents are comprised of money market mutual
              funds. The fair value of money market mutual funds are based on quoted market prices in active markets and included in Level 1.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Deposit-Type Contracts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Fair values of deposit-type contracts are based on
              discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s own credit standing and a risk margin for actuarial inputs.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Other Investment Contracts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Other investment contracts are included within Life
              policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may
              include life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s
              own credit standing and a risk margin for market inputs.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Valuation of Separate Account Liabilities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The fair value of separate account liabilities
              approximates the fair value of separate account assets.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(7)&#160;&#160;&#160;&#160;Income Taxes</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Deferred
              Tax Assets and Liabilities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The components of the net DTA or net DTL are as
              follows: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z6153b376216348789730044abd190d4e" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.588%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.781%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.374%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.374%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.377%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,394&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,070&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,394&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,070&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,771)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8,771)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,623&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,299&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,812)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,812)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,487&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="ze2078669d84c4d678e302af43a4ae978" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zf6b4eeb2569e4741878dfe7c2363eea1" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.588%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.781%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.374%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.374%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.377%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,500&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,510&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,500&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,510&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5,083)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(5,083)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,417&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,427&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,120)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,120)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,297&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,307&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z59b8c352ecd645b9be8342addf81b98d" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.588%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:41.781%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.374%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.374%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.647%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:17.377%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Change</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,894&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,560&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,894&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,560&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(3,688)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(3,688)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,206&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,872&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">308&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">308&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,514&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,180&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The amount of admitted adjusted gross DTAs allowed under each component
              of SSAP No.&#160;101 &#8211; </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Income Taxes</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> (SSAP No. 101) as of December 31 are as follows: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z43633d38c4724fb7a54e8d5dd81a9547" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.738%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:44.416%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.497%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.497%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.498%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal
                      income taxes paid in prior years recoverable through loss carrybacks (11.a)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                        threshold limitations</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet
                        date (11.b.i.)</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,422&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,811&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,812&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,812&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,623&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,299&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zd206fe502f0443fc9120af70f053eaf2" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.738%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:44.416%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.497%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.497%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.498%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal
                      income taxes paid in prior years recoverable through loss carrybacks (11.a)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                        threshold limitations</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet
                        date (11.b.i.)</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,297&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,297&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25,054&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,297&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,297&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,120&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,120&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,417&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,427&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z9ad59e94ecab4681ab8e113a475e5c66" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z490e991127aa477081f5881e6c5cc672" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.738%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:44.416%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.497%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.497%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.646%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.498%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income
                      taxes paid in prior years recoverable through loss carrybacks (11.a)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the
                        threshold limitations</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet
                        date (11.b.i.)</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,513&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,513&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,632)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,513&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,513&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(308)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(308)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,205&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,871&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Ratios used for threshold limitation as of December 31
              are as follows:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z8dfa1a7db0254a92958aa10352557acf" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:89.039%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:50.670%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.414%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.414%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.416%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Change</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio
                      percentage used to determine recovery period and threshold limitation amount</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,028&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,467&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(439)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of
                      adjusted capital and surplus used to determine recovery period threshold limitation</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149,483&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">167,029&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17,546)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Impact of tax planning strategies on the
              determination of net admitted adjusted gross DTAs is as follows:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z0e5bfee677004ef7873fd4837795271d" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:43.663%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.974%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.636%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.639%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted
                        adjusted gross DTAs)</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z90d9e3958a5d4a10a8d4749f08918ec4" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:43.663%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.974%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.636%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.639%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Ordinary</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Capital</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net admitted adjusted gross DTAs - (percentage of total net admitted
                        adjusted gross DTAs)</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zfedddaab8d4448cd88bd2c419dd15af9" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

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

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s tax planning strategies do not include
              the use of reinsurance.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Unrecognized

              Deferred Tax Liabilities</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no temporary differences for which DTLs are
              not recognized.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Current and
              Deferred Income Taxes</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The significant components of income taxes incurred
              (i.e. Current income tax expense) include:</font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zf260f192e0c8410c81cbb9a02492a8ec" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zdf65e138bf3c46d1b8642a34b0ef1b58" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:90.090%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:45.566%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.900%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.900%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.900%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.900%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.633%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:8.902%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2018</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2020-2019 Change</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2019-2018 Change</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current
                      year federal tax expense (benefit) - ordinary income</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,343)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(292)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,623&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,051)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current
                      year foreign tax expense (benefit) - ordinary income</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,280&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,343)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(292)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,623&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,051)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current
                      year tax expense (benefit) - net realized capital gains (losses)</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">652&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(335)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">534&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">453&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal
                      and foreign income taxes incurred</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,932&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,225)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(627)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,157&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,598)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">DTAs and DTLs consist of the following major
              components:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="zb76efe970653445681af647ec45f056b" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:89.039%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:42.238%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.943%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.943%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.947%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax
                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred


                      acquisition costs</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,879&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,539&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">340&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder


                      reserves</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,294&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,168&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,126&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expense
                      accruals</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,216&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">745&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">471&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted


                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(43)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,394&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,500&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,894&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted


                      ordinary deferred tax assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8,771)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5,083)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,688)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                      ordinary tax assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,623&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,417&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,206&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Impaired


                      assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                      capital deferred tax assets</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">676&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">666&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                      deferred tax assets</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,299&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,427&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,872&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z4978c8ea945f459ab6a31102ff53be73" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:89.039%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:42.238%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.943%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.943%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.947%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax
                      liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(255)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(231)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(24)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder


                      reserves</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,551)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,862)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">311&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred


                      and uncollected premiums</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(27)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,812)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,120)</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:11pt">
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax
                      liabilities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,812)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,120)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">308&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                      deferred tax asset</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,487&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,307&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,180&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The realization of the DTAs is dependent upon the
              Company&#8217;s ability to generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be
              sufficient for the realization of the remaining DTAs.</font></div>
          <div style="padding-left:54pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 115%;">The Coronavirus Aid, Relief, and Economic Security Act, (CARES Act of 2020) was enacted on March 27,
              2020, thereby allowing net operating losses (NOLs) arising in tax years beginning after December 31, 2017, and before January 1, 2021 (e.g., NOLs incurred in 2018, 2019, or 2020 by a calendar-year taxpayer) to be carried back to each of the
              five tax years preceding the tax year of such loss.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">In computing taxable income, life insurance companies
              are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by which these reserves are computed for tax purposes.&#160;The changes are effective for tax
              years beginning after </font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z04d9e4ef78584fdea5dd1f6ce8758c60" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">2017 and are subject to a transition rule that
              spreads the additional income tax liability over the subsequent eight years beginning in 2018.&#160; Due to complexities in the new methodology and limited guidance from the Internal Revenue Service and U.S. Treasury, the Company has recorded
              provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves based on information available at December 31, 2017.&#160; Pursuant to Interpretation of the SAP Working Group
              18-01: </font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 400; line-height: 120%;">Updated Tax Estimates under the Tax Cuts and Jobs Act</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">, provisional tax computations related to these amounts were reasonably estimated&#160;as of December 31, 2017 and have been adjusted based on guidance received from
              Internal Revenue Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2020, 2019, and 2018. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Change in net deferred income tax is comprised of
              the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital
              and Surplus):</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z49ae85d26e294be4b0a0b9c67e9afc8e" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:89.039%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:56.741%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.390%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.390%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.643%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.393%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred tax assets</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,257&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,390&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,867&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustment</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred tax assets after statutory valuation allowance</font></div>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,257&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,390&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,867&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax effect of unrealized gains/(losses)</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,216)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(745)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(471)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in net deferred income tax</font></div>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,397&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Reconciliation

              of Federal Income Tax Rate to Actual Effective Rate</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The provision for federal income taxes incurred is
              different from that which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt">
            <table id="z529da0f2bc324a3f9b7e7a4de2cca758" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:88.888%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:44.170%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.636%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.467%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.644%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.639%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal income tax
                      rate</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of IMR</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.6&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dividends received
                      deduction</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.7)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4.3)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.9)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax hedges</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.7&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.2)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax hedge
                      reclassification</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31.5)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(73.9)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19.3)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible
                      expenses</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in deferred
                      tax on non-admitted assets</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.2)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior period
                      adjustments</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.0)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in deferred
                      tax impairments</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.5)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.5&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.3)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Realized Capital
                      Gains Tax</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effective
                      tax rate</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12.9)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53.6)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr style="height:3pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal and foreign income taxes incurred </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.7%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36.8)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.7)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Realized Capital
                      Gains Tax </font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in net
                      deferred income taxes</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(20.0)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16.8)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.9)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effective
                      tax rate</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12.9)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(53.6)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.6)</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="18">
                    <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Prior to 2020, tax on capital gains (losses) was excluded from federal and foreign income taxes incurred and detailed in
                        Note 5(c).</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(e)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Carryforwards,

              Recoverable Taxes, and IRC Section&#160;6603 Deposits</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020, </font><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">there are no operating losses or tax credit carryforwards available for tax purposes.</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;"> </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="background-color: #ffffff; color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no Federal
              income taxes available for recoupment in the event of future net losses.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no aggregate deposits admitted under
              Section&#160;6603 of the IRC.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company had no tax contingencies computed in
              accordance with SSAP No.&#160;101 as of December&#160;31, 2020 and 2019.</font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zf52f1e1943834807bafcebf8d005d7f4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company recognizes interest and penalties accrued
              related to unrecognized tax benefits in federal income tax expense. During the years ended December&#160;31, 2020 and 2019, the Company recognized no such expenses.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(f)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Consolidated

              Federal Income Tax Return </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is included in the consolidated group for
              which AZOA files a federal income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to US Federal and non-US income tax examinations for years prior to 2016, though
              examinations of combined returns filed by AZOA, which include the Company by certain US state and local tax authorities, may still be conducted for 2008 and subsequent years. The last Internal Revenue Service (IRS) examination of AZOA
              involved the federal income tax returns filed by AZOA for the 2015 tax year, which included carrybacks to the 2012 tax year. This examination concluded in October 2018 with the IRS only making one immaterial adjustment that increased the
              Company's tax liability for 2012 by approximately $530. The IRS has also initiated an examination of AZOA's 2017 and 2018 income tax returns, which is expected to close by the end of 2021.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020, the companies included in
              the consolidated group for which AZOA files a federal income tax return is included below:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:54pt;text-align:center">
            <table id="z021aef55f82e440c8d5438a32b59bb03" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:367.50pt">

                <tr>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:181.75pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:181.75pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Members of Consolidated Tax Group</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life Insurance Company of New York</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life Insurance Company of Missouri</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life
                      Insurance Company of North America</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz
                      Underwriters Insurance Company</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AZOA Services
                      Corporation</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AGCS Marine
                      Insurance Company</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Global
                      Risks US Insurance Company</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">William H. McGee
                      &amp; Co., Inc.</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Reinsurance
                      of America, Inc.</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fireman&#8217;s Fund
                      Insurance Company</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Technology
                      of America, Inc.</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fireman&#8217;s Fund
                      Indemnity Corporation</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Renewable
                      Energy Partners of America LLC</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">National Surety
                      Corporation</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Renewable
                      Energy Partners of America 2 LLC</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Chicago Insurance
                      Company</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PFP Holdings, Inc.</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interstate Fire
                      &amp; Casualty Company</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AZL PF Investments,
                      Inc.</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Associated
                      Indemnity Corporation</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dresdner Kleinwort
                      Pfandbriefe Investments II, Inc.</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">American Automobile
                      Insurance Company</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Fund
                      Investments, Inc.</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">The American
                      Insurance Company</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Yorktown Financial
                      Companies, Inc.</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Risk
                      Transfer, Inc.</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Questar Capital
                      Corporation</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Risk
                      Transfer (Bermuda), Ltd.</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Questar Asset
                      Management, Inc.</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Questar Agency,
                      Inc.</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(8)&#160;&#160;&#160;&#160;Accident and Health Claim Reserves</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Accident and health claim reserves are based on
              estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While
              management believes that reserves as of December&#160;31, 2020, are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any
              adjustments to reserves are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company&#8217;s future reported earnings.</font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zf985576ced954909aac8e6e0598ec30e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Activity in the accident and health claim reserves is summarized as
              follows:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z8bdc9783b68441ec8e02cec9b663b15d" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:91.891%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:53.801%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.616%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.115%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.616%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.115%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.616%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.121%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance
                      at January 1, net of reinsurance recoverables of $1,214, $529, and $622, respectively</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,302&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,938&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,867&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Incurred related
                      to:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current


                      year</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,428&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,991&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">916&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior
                      years</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,093)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">749&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(374)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      incurred</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,335&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,740&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">542&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Paid related to:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current


                      year</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">153&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">211&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">81&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior
                      years</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,650&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,165&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,390&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      paid</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,803&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,376&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,471&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance


                      at December 31, net of reinsurance recoverables of $1,079, $1,214, and $529, respectively</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,834&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,302&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,938&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Prior year incurred claim reserves for 2020 were
              favorable as a result of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business. Prior year incurred claim reserves for 2019 reflect unfavorable claim development primarily within the
              individual LTC line of business. Prior year incurred claims reserves for 2018 reflect unfavorable claim development as a result of re-estimation of unpaid claims and claim adjustment expenses, principally on individual LTC and group health
              lines of business.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(9)&#160;&#160;&#160;&#160;Reinsurance</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company primarily enters into reinsurance
              agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss on any
              single insured and to recover a portion of benefits paid by ceding risks under excess coverage and coinsurance contracts. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company monitors the financial exposure and
              financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain
              reinsurers.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The effect of reinsurance on reserves and claims, for
              amounts recoverable from other insurers, was as follows:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z9b72e94cd0864febb17de6a5c4ba0092" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:93.843%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:57.940%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.600%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:18.580%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.600%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:18.580%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">For the years ended December 31,</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reduction in:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Aggregate


                      reserves</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,184&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,537&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy
                      and contract claims</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">183&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">197&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z08e1b2b078144e1fb999d36fa97f6a38" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company assumed no business from other companies
              for the years ended December&#160;31, 2020, 2019, and 2018. Life insurance, annuities, and accident and health business ceded to other companies are as follows: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z4de1453f0987416e894e4c6c217ad0a9" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.294%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:43.008%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.596%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.734%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.596%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.734%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.596%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.736%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Direct amount</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ceded to other companies</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Net amount</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2020</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                      insurance in force</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">328,472&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">293,458&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35,014&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">884&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">734&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">425,561&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident


                      and health</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,224&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">436&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,788&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      premiums</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">429,669&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,170&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">428,499&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2019</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                      insurance in force</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">49,947&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42,359&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,588&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">807&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">655&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">152&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">371,966&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">371,966&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident


                      and health</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,341&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">444&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,897&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      premiums</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,114&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,099&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">375,015&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2018</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                      insurance in force</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">53,361&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48,195&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,166&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">922&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">744&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">178&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">298,637&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">298,637&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident


                      and health</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,367&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">467&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,900&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      premiums</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">302,926&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,211&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">301,715&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no nonaffiliated reinsurers owned in excess
              of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">There are no policies issued by the Company that have
              been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
              insurance business. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have any reinsurance agreements
              in effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have reinsurance agreements in
              effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of mutual credits from other reinsurance agreements with the same
              reinsurer, exceed the total direct premium collected under the reinsured policies. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company did not write off any uncollectible
              recoverables during 2020, 2019, and 2018.</font></div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z52a4f7e06ba34d13bfa72cd752d74944" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(10)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Annuity Actuarial Reserves and Deposit Liabilities by Withdrawal Characteristics</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Information regarding the Company&#8217;s annuity actuarial
              reserves and deposit liabilities by withdrawal characteristics at December&#160;31 is as follows:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z8afd4ad388724f4c8b5ad5aa22f2a447" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.444%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:42.620%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.731%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.618%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.731%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:11.624%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to
                      discretionary withdrawal:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">With
                      market value adjustment</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">94,060&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,359&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At
                      book value less current surrender charges of 5% or more</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,172,480&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">738,120&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At
                      market value</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,087,722&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">53&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,297,154&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      with adjustment or at market value</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,354,262&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">85&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,095,633&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">88&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At
                      book value without adjustment (minimal or no charge or adjustment)</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">489,561&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">381,487&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                      subject to discretionary withdrawal</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,609&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65,387&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      gross</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,922,432&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,542,507&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance ceded</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      net</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,922,432&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,542,507&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="ze39d3eaa0cbc47bb9ef101948822812b" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.444%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:66.785%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.912%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.003%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:14.006%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciliation of
                      total annuity actuarial reserves and deposit fund liabilities:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life, Accident and
                      Health Annual Statement:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities,


                      net (excluding supplementary contracts with life contingencies)</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376,832&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">397,644&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental


                      contracts with life contingencies, net</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,886&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,688&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type


                      contracts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,956&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,604&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 43.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">402,674&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">419,936&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate Accounts
                      Annual Statement:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 34.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities,


                      net (excluding supplementary contracts with life contingencies)</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,106&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,121,880&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental


                      contracts with life contingencies, net</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">652&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">691&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 43.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,758&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,122,571&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      annuity actuarial reserves and deposit fund liabilities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,922,432&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,542,507&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z11d7de0a175142d68d7f7dc95e7edc55" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(11)&#160;&#160;&#160;&#160;Life Actuarial Reserves by Withdrawal Characteristics</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Information regarding the Company&#8217;s life actuarial
              reserves by withdrawal characteristics at December&#160;31 is as follows: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z6d73e04af69840bc87a93440e6722e8c" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:471.75pt">

                <tr>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:232.00pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:76.75pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:78.25pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:76.75pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">General Account</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Account value</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Cash value</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Reserve</font></td>
                </tr>
                <tr style="height:23pt">
                  <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Universal


                      life</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">969&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Indexed


                      life</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,644&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,511&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,580&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                      permanent cash value life insurance</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">354&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">354&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">354&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:21pt">
                  <td style="background-color:#ffffff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                      subject to discretionary withdrawal or no cash values:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Term
                      policies without cash value</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">271&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous


                      reserves</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,223&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      gross</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,035&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,893&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,397&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance


                      ceded</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">357&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,035&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,893&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,040&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:18pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
                    <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                        contain Life business.</font></div>
                  </td>
                </tr>
                <tr style="height:8pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:18pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">General Account</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Account value</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Cash value</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Reserve</font></td>
                </tr>
                <tr style="height:23pt">
                  <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Universal


                      life</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">51&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">198&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">726&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Indexed


                      life</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,623&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,471&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,571&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                      permanent cash value life insurance</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">538&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">538&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">538&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:23pt">
                  <td style="background-color:#ffffff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not
                      subject to discretionary withdrawal or no cash values:</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Term
                      policies without cash value</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">264&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous


                      reserves</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">XXX</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">272&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      gross</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,212&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,207&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,371&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance


                      ceded</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:14pt">
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,212&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,207&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,361&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:18pt">
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
                    <div style="padding-left:9pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                        contain Life business.</font></div>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company does not have any Life policies with either guarantees or
              nonguarantees in the separate account.</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z9b019a0ee410440e9849ab7b5cccbb26" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:491.25pt">

                <tr>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:291.25pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:97.00pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                  <td style="width:97.00pt"><br>
                  </td>
                  <td style="width:1.0pt"><br>
                  </td>
                </tr>
                <tr style="height:3pt">
                  <td style="padding:0 1pt" colspan="6"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:5pt">
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciliation of total life actuarial
                      reserves:</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life,
                      Accident, and Health Annual Statement:</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                      insurance, net</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,781&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,088&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Miscellaneous


                      reserves, net</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,259&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">272&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr style="height:12pt">
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 66.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      life actuarial reserves</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,040&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,361&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:5pt">
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr style="height:5pt">
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:45pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="z4767bdba474b499d923d9df24ab410ea" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

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

                </table>
                <font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font></div>
            </div>
          </div>
          <hr style="page-break-after:always">
          <div style="min-height:108pt;width:100%">
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
            </div>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(12)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Separate Accounts</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s separate accounts represent funds held
              for the benefit of contract holders entitled to payments under variable annuity contracts issued through the Company&#8217;s separate accounts and underwritten by the Company. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020 and 2019, the Company's
              separate accounts are classified as nonguaranteed. Information regarding the Company&#8217;s separate accounts for the years ended December&#160;31 is as follows:</font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z78efc81b29904fd4a94fef28eea29f81" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.294%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:61.479%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.893%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.233%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:16.895%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums,
                      considerations, or deposits</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401,472&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352,992&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr style="height:6pt">
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves for
                      account, with assets at fair value</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,338,554&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,297,845&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves for
                      account, with assets at amortized cost</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,181,205&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">824,726&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                      reserves</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,759&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,122,571&#160;</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">By withdrawal
                      characteristics:</font></td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At
                      fair value</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,337,902&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,297,154&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At
                      book value without MV adjustment and with current surrender charge of 5% or more</font></td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">921,552&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">737,371&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
                    <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book value without MV adjustment and with current surrender
                        charge of less than 5%</font></div>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">259,653&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">87,355&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,107&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,121,880&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not subject to
                      discretionary withdrawal</font></td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">652&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">691&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,519,759&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,122,571&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">As of December&#160;31, 2020 and 2019, the Company&#8217;s
              separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="z84076859ec5f4b029827ea27f8a874b9" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.594%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:36.836%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.344%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.911%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.344%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.069%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.344%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.593%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:13.348%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Product/transaction</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,130,361&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,194,429&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable
                      Annuities (Non-Unitized Non-Insulated)</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,643,505&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,037,633&#160;</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,130,361&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,643,505&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,194,429&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,037,633&#160;</font></td>
                  <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company&#8217;s separate account liabilities contain
              guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company&#8217;s general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $26,544, $37,538, $36,073,
              $33,270, and $30,266 during the past five years, respectively. The general account of the Company paid $929, $1,019, $465, $13, and $2,140 towards separate account guarantees during the past five years, respectively.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">A reconciliation of net transfers to separate
              accounts for the years ended December 31 is included in the following table: </font></div>
          <div style="margin-bottom:5pt;margin-top:5pt;padding-left:27pt">
            <table id="za842e74627e54a2bb1a1e9a41e4f3c20" style="border-collapse:collapse;display:inline-table;vertical-align:top;width:94.444%">

                <tr>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:55.338%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.912%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.413%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.912%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.413%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:0.594%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                  <td style="width:1.0%"><br>
                  </td>
                  <td style="width:12.418%"><br>
                  </td>
                  <td style="width:0.1%"><br>
                  </td>
                </tr>
                <tr>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
                  <td style="padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2018</font></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers
                      as reported in the Summary of Operations of the Separate Accounts Annual Statement:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers


                      to separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401,472&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352,992&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">298,627&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers


                      from separate accounts</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(215,753)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(217,517)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(191,108)</font></td>
                  <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                      transfers to separate accounts</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">185,719&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">135,475&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,519&#160;</font></td>
                  <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciling
                      adjustments:</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                </tr>
                <tr>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                      adjustments</font></td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">296&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(495)</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">202&#160;</font></td>
                  <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>
                <tr>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                  <td style="display:none" colspan="3"></td>
                </tr>
                <tr>
                  <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers as
                      reported in the Statutory Statements of Operations</font></td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">186,015&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">134,980&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;padding:0 1pt" colspan="3"><br>
                  </td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,721&#160;</font></td>
                  <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
                  </td>
                </tr>

            </table>
          </div>
          <div style="height:58.5pt;position:relative;width:100%">
            <div style="bottom:0;position:absolute;width:100%">
              <div style="margin-bottom:6pt;margin-top:6pt;text-align:center">
                <table id="zb54ba2bd93c44ae08ad4b9772e094637" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.929%">

                    <tr>
                      <td style="width:1.0%"><br>
                      </td>
                      <td style="width:32.233%"><br>
                      </td>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(13) &#160;&#160;&#160;&#160;Related-Party Transactions</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(a) &#160;&#160;&#160;&#160;Real
              Estate</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company subleases office space from an affiliate.
              In connection with this agreement, the Company incurred rent expense of $76, $56, and $25 in 2020, 2019, and 2018, respectively, which is included in General and administrative expenses on the Statutory Statements of Operations.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(b) &#160;&#160;&#160;&#160;Service
              Fees</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company incurred fees for administrative services
              provided by Allianz Life of $10,372, $10,113 and $9,500 in 2020, 2019, and 2018, respectively. The Company&#8217;s liability for these expenses was $1,272 and $791 as of December&#160;31, 2020 and 2019, respectively, and is included in Payable to parent
              and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company incurred fees for investment advisory
              services provided by affiliated companies of $1,128, $870, and $668 in 2020, 2019, and 2018, respectively. The Company&#8217;s liability for these charges was $108 and $78 as of December&#160;31, 2020 and 2019, respectively, and is included in Payable
              to parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has an agreement with Allianz Investment
              Management, LLC which has subsequent agreements with its affiliates Pacific Investment Management Company (PIMCO), Oppenheimer Capital LLC (OpCap), and with certain other related parties whereby (1) specific investment options managed by
              PIMCO and OpCap are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives compensation for providing administrative and recordkeeping services relating to
              the investment options managed by PIMCO and OpCap. Income recognized by the Company from these affiliates for distribution and in-force related costs as a result of providing investment options to the contractholders was $787, $885, and $965
              during 2020, 2019, and 2018, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. The related receivable for the fees was $66 and $74 at December&#160;31, 2020 and 2019, respectively, which is
              included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has incurred commission expense related
              to the distribution of variable annuity products from Allianz Life Financial Services, LLC, (ALFS), an affiliated company, in the amount of $31,064, $27,988, and $24,155 for the years ended December&#160;31, 2020, 2019, and 2018, respectively. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has an agreement with ALFS, whereby 12b-1
              fee receivables are assigned to the Company and Allianz Life. The Company has also agreed with Allianz Life to share in reimbursing ALFS for direct and indirect expenses incurred in performing services for the Company and Allianz Life. In the
              event that assigned receivables exceed expenses, ALFS records a loss on the transaction with the Company and a dividend-in-kind to Allianz Life. The Company recorded revenue from this agreement of $3,936, $4,163, and $4,236 for the years
              ended December&#160;31, 2020, 2019, and 2018, respectively. The Company recorded expenses related to this agreement of $6,027, $7,135, and $4,973 for the years ended December&#160;31, 2020, 2019, and 2018, respectively.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(c)
              &#160;&#160;&#160;&#160;Reinsurance</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company cedes certain term life and universal
              life insurance policies to Allianz Life. At December&#160;31, 2020 and 2019, the Company had no reinsurance recoverables and receivables from Allianz Life included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and
              Capital and Surplus.</font></div>
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                        <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40 of 42</font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
            </div>
            <div style="text-align:center"><br>
            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">(d) &#160;&#160;&#160;&#160;Line of
              Credit Agreement</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has a line of credit agreement with its
              parent, Allianz Life Insurance Company of North America (Allianz Life) to provide liquidity as needed. The Company&#8217;s borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the
              preceding year end. The interest rate for borrowing under the agreement is based on the 1 month USD LIBOR rate. Borrowed amounts can be prepaid at any time with no prepayment penalty. Allianz Life provided $25,000 to the Company under the
              terms of this agreement on March 17, 2020 and the loan was paid in full on April 15, 2020. There was no interest accrued as of December&#160;31, 2020 and 2019. There was no outstanding balance under the line of credit agreement as of December&#160;31,
              2020, and 2019. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(14)&#160;&#160;&#160;&#160;Employee Benefit Plans</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company participates in the Allianz Asset
              Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation. Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants&#8217; pretax, Roth
              401(k), and/or after-tax contributions up to 80% of the participants&#8217; eligible compensation, although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the
              employees&#8217; eligible compensation. Participants are 100% vested in the Company&#8217;s matching contribution after three&#160;years of service.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The AAAP administration expenses and the trust fund,
              including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company&#8217;s discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company&#8217;s policy to fund the AAAP
              costs as incurred. The Company has expensed $323, $295, and $252 in 2020, 2019, and 2018, respectively, toward the AAAP matching contributions and administration expenses.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(15)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Statutory Capital and Surplus</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Statutory accounting practices prescribed or
              permitted by the Company&#8217;s state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company&#8217;s statutory capital
              and surplus as of December&#160;31, 2020 and 2019 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders without prior approval of the Department is subject to
              restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In
              accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the lesser of 10% of its beginning-of-the year statutory surplus, or its net gain from operations of the insurer,
              not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $15,597 can be paid in 2021 without prior approval of the Department. The Company paid no
              dividends in 2020, 2019, and 2018.</font></div>
          <div style="padding-left:27pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-style: italic; font-weight: 700; line-height: 120%;">Regulatory Risk-Based Capital</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">An insurance enterprise&#8217;s state of domicile imposes
              minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity
              based on the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise&#8217;s regulatory total adjusted capital to its authorized control level risk-based capital, as defined by the NAIC. Companies below specific
              trigger points or ratios are classified within certain levels, each of which requires specified corrective action. This ratio for the Company significantly exceeds required minimum thresholds as of December&#160;31, 2020 and 2019.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(16)&#160;&#160;&#160;&#160;Direct Premiums Written by Third-Party Administrators</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has direct premiums written by
              third-party administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes claims payment, claims
              adjustment, underwriting, binding authority, and premium collection. Total premiums written by TPAs were $883, $803, and $935 for 2020, 2019, and 2018, respectively. For </font></div>
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            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to the Statutory Financial Statements</font></div>
            <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in thousands, except share data and security holdings quantities)</font></div>
            <div style="margin-bottom:3pt;text-align:center"><br>
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            </div>
            <div style="margin-bottom:6pt;margin-top:6pt"><br>
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          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">the years ended December&#160;31, 2020, 2019, and 2018,
              there were no individual TPAs that wrote premiums that equaled at least 5% of the capital and surplus of the Company.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(17)</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">&#160;&#160;&#160;&#160;</font><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">Reconciliation to the Annual Statement</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is required to file an Annual Statement
              with the Department. As of December&#160;31, 2020 and 2019, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December&#160;31, 2020, 2019, and 2018, there is no difference in capital and
              surplus or net income between this report and the Annual Statement.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(18)&#160;&#160;&#160;&#160;Commitments and Contingencies</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is or may become subject to claims and
              lawsuits that arise in the ordinary course of business. In the opinion of management, the ultimate resolution of any such known litigation will not have a material adverse effect on the Company's financial position.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company is contingently liable for possible
              future assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The financial services industry, variable and fixed
              annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">Federal and state regulators, such as state insurance
              departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning various
              selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is, and may become, subject to ongoing market conduct examinations and
              investigations by regulators, which may have a material adverse effect on the Company. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">It can be expected that annuity and life product
              designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">These matters could result in legal precedents and
              new industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory
              actions will have a material adverse effect on the Company in the future.</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 700; line-height: 120%;">(19)&#160;&#160;&#160;&#160;Subsequent Events</font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color: #000000; font-family: 'Times New Roman',sans-serif; font-weight: 400; line-height: 120%;">The Company has evaluated subsequent events through
              April 2, 2021, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December&#160;31, 2020 that require adjustment to the Statutory Financial Statements. </font></div>
          <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
          </div>
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        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; margin-top: 5pt; text-decoration: none; text-transform: uppercase;"> <br>
        </div>
        <div style="color: #000000; font-family: Arial; font-size: 11pt; font-style: Normal; font-weight: Normal; line-height: 13pt; 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: 12pt; 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: 12pt; 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: 12pt; 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: 12pt; 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" id="ze9598fd93e6347eeb6255490f09db33b" style="border-collapse:collapse;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:100%;">

              <tr style="page-break-inside:avoid;">
                <td style="border-bottom:0.5pt solid #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:0pt;padding-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:12pt;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:12pt;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:12pt;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:12pt;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:12pt;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 colspan="3" style="padding-top:1.5pt;text-align:left;vertical-align:top;width:100%;">&#160; </td>
              </tr>
              <tr bgcolor="#DEE9F6" style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-left:0pt;padding-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:12pt;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:12pt;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:12pt;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" id="zb8e66e7b753443e3be44b1104bee9873" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-top:0.5pt solid #000000;empty-cells:show;margin-left:auto;margin-right:auto;margin-top:6pt;width:99.60%;">

              <tr style="page-break-inside:avoid;">
                <td style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:Normal;font-weight:bold;line-height:12pt;padding-bottom:4pt;padding-left:4pt;padding-right:4pt;padding-top:4pt;text-align:left; text-decoration:none;text-transform:none;vertical-align:top;width:100%;">Checks sent to the wrong address for applications or additional Purchase Payments are forwarded to the 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: 12pt; 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: 12pt; 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 type="Block" style="margin-top:253pt;width:100%;">
        <hr noshade="noshade" align="Left" style="background-color:#000000;border-bottom:0pt;border-left:0pt;border-right:0pt;border-top:0.5pt solid #000000;height:0.5pt;width:100%;">
        <div style="color: #000000; font-family: Arial Narrow; font-style: Normal; font-weight: bold; line-height: 13pt; margin-top: 6pt; text-align: center; text-decoration: none; text-transform: none;">Allianz Index Advantage<sup style="font-style: Normal; text-transform: none; vertical-align: text-top; line-height: 1; font-size: smaller;">&#174;</sup> New York Variable Annuity Prospectus &#8211; April 30, 2021</div>
      </div>
      <div type="Block" style="margin-top:4pt;width:100%;">
        <div style="color:#000000;font-family:Arial;font-size:9pt;font-style:Normal;font-weight:bold;line-height:12pt;text-align:center;text-decoration:none;text-transform:none;">&#160;91&#160;</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 II - INFORMATION NOT REQUIRED IN PROSPECTUS</div>
  <div style="line-height: 19.95pt; margin-top: 0.35pt;"><br style="line-height: 19.95pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ITEM 13. OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="line-height: 10.85pt; margin-top: 0.1pt;"><br style="line-height: 10.85pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">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;
    </font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">$ 25,760</font></div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; --------------</div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">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; </font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">$ 30,000</font></div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; --------------</div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.55pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">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; </font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">$ 60,000</font></div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; ---------------</div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">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; </font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">$ 175,000</font></div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; ---------------</div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">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;
    </font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">$<font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.75pt;">&#160;&#160; </font>N/A</font></div>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 0.5pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; ---------------</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-size: 10pt; font-weight: bold;">ITEM 14. INDEMNIFICATION OF OFFICERS AND DIRECTORS.</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="line-height: 8.55pt; margin-top: 0.55pt;"><br style="line-height: 8.55pt;">
  </div>
  <div style="text-align: left; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">The Bylaws of the Insurance Company provide:</div>
  <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
  </div>
  <div style="text-align: left; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">ARTICLE X</div>
  <div style="text-align: left; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">INDEMNIFICATION OF OFFICERS, DIRECTORS AND EMPLOYEES</div>
  <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
  </div>
  <div style="text-align: left; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">To the fullest extent allowed under New York law, the Company shall indemnify officers, directors and employees of the Company. No director shall be
    personally liable to the Company or any of its shareholders for damages for any breach of duty as a director; provided, however, that the foregoing provision shall not eliminate or limit (i) the liability of a director if a judgment or other final
    adjudication adverse to him or her establishes that his or her acts or omissions were in bad faith or involved intentional misconduct or were acts or omissions (a) which he or she knew or reasonably should have known violated the New York Insurance Law
    or (b) which violated a specific standard of care imposed on directors directly, and not by reference, by a provision of the New York Insurance Law (or any regulations promulgated thereunder) or (c) which constituted a knowing violation of any other
    law, or establishes that he or she personally gained in fact a financial profit or other advantage to which he or she was not legally entitled; or (ii) the liability of a director for any act or omission prior to adoption of these Restated Bylaws by
    the shareholders of the Company.</div>
  <div style="line-height: 11.85pt;"><br style="line-height: 11.85pt;">
  </div>
  <div style="text-align: left; line-height: 11.85pt; font-family: 'Times New Roman'; font-size: 10pt;">Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of
    the Insurance Company pursuant to the foregoing provisions, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and, is
    therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in the
    successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Insurance Company will, unless in the opinion of its counsel the matter has been
    settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.</div>
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  <div style="line-height: 9.7pt;"><br style="line-height: 9.7pt;">
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  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; 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="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">NOT APPLICABLE.</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; 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; font-size: 10pt;">(a)</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.59pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-size: 10pt; 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="z8decb81955864e71b268abe5e6c05b3a" 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>
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    <table cellspacing="0" cellpadding="0" id="z43bc6bbd207248fda7b9db465ac54cb0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 22.5pt; vertical-align: top; align: right;">
            <div style="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="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>
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    <table cellspacing="0" cellpadding="0" id="zecb09665f4714a9eb7e5b23456439377" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 22.5pt; vertical-align: top; align: right;">
            <div style="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>
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    <table cellspacing="0" cellpadding="0" id="zd82befa206d04e95b9afbf5910889a81" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 22.5pt; vertical-align: top; align: right;">
            <div style="line-height: 11.4pt; margin-top: 4.8pt; font-family: Calibri;">2.</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Times New Roman';">Not applicable</div>
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    <table cellspacing="0" cellpadding="0" id="zf1c70129cf9444c291244042d48c1412" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 22.5pt; vertical-align: top; align: right;">
            <div style="margin-left: 1.05pt; line-height: 11.85pt; margin-top: 5.3pt; font-family: Calibri;">3.</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: justify; line-height: 11.85pt; margin-top: 5.3pt; font-family: '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>
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  </div>
  <div style="text-align: justify; text-indent: -13.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman'; font-size: 10pt;">(b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001913000007/ex3b.htm">Bylaws, as amended and restated March 9, 2011</a>, of Allianz Life Insurance Company of New York, filed on December 19, 2013 as Exhibit 3(b) to Registrant's initial
    registration on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
  <div style="text-align: left; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman'; font-size: 10pt;">4.(a) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001914000005/ex4a.htm">Deferred Annuity Contract, L40538-NY</a>,
    as revised 5/16/14, filed on December 8, 2014, as Exhibit 4(a) to Registrant's Post-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
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    <table cellspacing="0" cellpadding="0" id="z7be9426a3e944ed48a3dd98617690aa7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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            <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>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z00dd0a47db04494cbff2e0de4f5e65e0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 22.5pt; vertical-align: top; align: right;">
            <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(c)</div>
          </td>
          <td style="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/80019/000008001914000005/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>
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  </div>
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    <table cellspacing="0" cellpadding="0" id="zbece4c885c9f4e12a353cbe5687911fe" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 22.5pt; vertical-align: top; align: right;">
            <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(d)</div>
          </td>
          <td style="vertical-align: top;">
            <div style="text-indent: -9pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman'; margin-left: 9pt;"><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>
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  </div>
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    <table cellspacing="0" cellpadding="0" id="zccf132c3cde144f69ff5ae970687859b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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            <div style="margin-left: 9.05pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: Calibri;">(e)</div>
          </td>
          <td style="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/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>
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    <table cellspacing="0" cellpadding="0" id="z04074395bf754706a8932ee31ddf0aa9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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            <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>
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    <table cellspacing="0" cellpadding="0" id="z40550b4df03e4e2f90342413a9c88653" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 4.8pt; width: 100%; text-align: left; color: #000000;">

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            <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; 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>
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  <div style="text-align: left; line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Times New Roman'; font-size: 10pt;">5. Opinion re Legality - not applicable</div>
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            <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>
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          <td style="width: 13.5pt; vertical-align: top; align: right;">
            <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: Calibri;">9.</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="line-height: 11.4pt; margin-top: 2.45pt; font-family: 'Times New Roman';">Not applicable</div>
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  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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            <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>
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    <table cellspacing="0" cellpadding="0" id="z830e376f2c384b48b4c15724b1608694" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <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>
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    <table cellspacing="0" cellpadding="0" id="z8202ce5d98914d1383a36abfff6dd081" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <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>
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    <table cellspacing="0" cellpadding="0" id="zd1dfb1d3faaf41d7aa2f355ea90d5637" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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            <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>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z32d619c6c93b469c98de7f5b1ff7f733" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 5.3pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 22.5pt; vertical-align: top; align: right;">
            <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: Calibri;">16.</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman';">Not applicable</div>
          </td>
        </tr>

    </table>
  </div>
  <div style="text-align: left; text-indent: -18pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman'; font-size: 10pt;">21.&#160; &#160; Not applicable.</div>
  <div>
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          <td style="width: 13.5pt; vertical-align: top; align: right;">
            <div style="line-height: 16.6pt; margin-top: 5.3pt; font-family: Calibri;">23.</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="line-height: 16.6pt; margin-top: 5.3pt; font-family: 'Times New Roman';">(a)* <a href="auditorconsent.htm">Consent of Independent
                Registered Public Accounting Firm</a>, filed herewith.</div>
          </td>
        </tr>

    </table>
  </div>
  <div style="text-align: left; line-height: 16.6pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; &#160; (b)* <a href="counselconsent.htm">Consent of
      Counsel</a>, filed herewith.</div>
  <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 0.2pt; font-family: 'Times New Roman'; font-size: 10pt;">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-align: left; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160; (b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000119312514179966/d687696dex24d.htm">Board Resolution, effective March 6, 2014</a>, of the Board of Directors of Allianz Life Insurance Company of New York, filed on May 2, 2014 as Exhibit 24(d) to
    Registrant's Pre-Effective Amendment No. 1 on Form S-1 (File No. 333-192948), is incorporated by reference.</div>
  <div style="text-align: left; text-indent: -13.45pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 4.8pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;(c)* <a href="poa.htm">Powers of Attorney,</a> filed herewith.</div>
  <div style="text-align: left; text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 4.8pt; font-family: 'Times New Roman'; font-size: 10pt;">25. Not applicable</div>
  <div style="text-align: left; text-indent: -12.55pt; margin-left: 12.55pt; line-height: 11.4pt; margin-top: 5.3pt; font-family: 'Times New Roman'; font-size: 10pt;">26. Not applicable</div>
  <div style="text-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">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-align: left; text-indent: -22.5pt; margin-left: 22.5pt; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(b) <a href="https://www.sec.gov/Archives/edgar/data/80019/000008001918000002/audittransitionletter.htm">Transition Representation Letter</a> - Independent Registered Public Accounting Firm, pursuant to S-K, item 304, filed on April 17, 2018, as Exhibit
    99(b) to Registrant's initial registration on Form S-1 (File No. 333-224317), is incorporated by reference.</div>
  <div style="line-height: 9.7pt; margin-top: 0.35pt;"><br style="line-height: 9.7pt;">
  </div>
  <div style="text-align: left; margin-left: 22.5pt; line-height: 11.4pt; margin-top: 6.75pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;* Filed herewith</div>
  <div style="text-align: left; margin-left: 22.3pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">** To be filed by amendment</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="margin-top: 5.9pt;"><font style="font-family: Calibri; font-size: 10pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.29pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Financial Statement Schedules</font></div>
  <div style="text-align: left; line-height: 11.85pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">All required financial statement schedules of Allianz Life Insurance Company of New York are included in Part I of this registration
    statement.</div>
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    <div id="DSPFPageFooter"></div>
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  <div style="line-height: 15.4pt;"><br style="line-height: 15.4pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ITEM 17. UNDERTAKINGS.</div>
  <div style="line-height: 10.25pt; margin-top: 0.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z33fb884981084f2a92222c25ca184ac1" 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>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z4d9de29e1174490ead334c52b2ee13c1" 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>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z316a7138a65544749ab93ae14304b1cb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2.65pt; width: 100%; text-align: left; color: #000000;">

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          <td style="width: 36pt; vertical-align: top; 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>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z64c356ef07be49c4afce281f62fc4d11" 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>
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    </table>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="zcfda6a09f1df46c18ce2d29985f55709" 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>
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    </table>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="zb385e9ea5c86487f93e3f0099fafc628" 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>
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    </table>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="zab5fc64632564ca49c66dc9c3b5168e3" 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>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="zd528c9bf1f05468e9e6104e6bab331b7" 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>
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  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z28fd96b7f6704ef9b4a2ec9a158a7d1c" 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>
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    </table>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="zc332a1d4cac74fe8991bbfd386e3dfe2" 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>
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    </table>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="zee00ebf8565a43909bc5dae0f6e9afcf" 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>
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    </table>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" id="z5dd3d4403b6f42e9bdfabb4444d3504e" 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="z0dfb166a30f34237858333f5a611fb5c" 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>
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  </div>
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  <div style="line-height: 0pt;"><br style="line-height: 0pt;">
  </div>
  <div style="text-align: center; line-height: 11.4pt; margin-top: 2.5pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>
  <div style="line-height: 9.7pt; margin-top: 0.55pt;"><br style="line-height: 9.7pt;">
  </div>
  <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration
    statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on this 16th day of April, 2021.</div>
  <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 6.25pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;ALLIANZ LIFE
    INSURANCE COMPANY OF NEW YORK</div>
  <div style="text-align: center; margin-right: 19.8pt; margin-left: 18pt; line-height: 17.8pt; margin-top: 6.5pt; font-family: 'Times New Roman'; font-size: 10pt;">By: <u>/S/ Walter R. White*</u></div>
  <div style="text-align: left; margin-right: 20.15pt; margin-left: 216pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">Walter R. White</div>
  <div style="text-align: left; margin-right: 20.15pt; margin-left: 216pt; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt;">Chief Executive Officer</div>
  <div style="line-height: 16.55pt; margin-top: 0.05pt;"><br style="line-height: 16.55pt;">
  </div>
  <div style="text-align: left; margin-right: 19.8pt; margin-left: 18pt; line-height: 11.9pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the
    following persons in the capacities indicated on April 16, 2021.</div>
  <div style="line-height: 11.9pt;"><br style="line-height: 11.9pt;">
  </div>
  <table cellspacing="0" cellpadding="0" id="z6d156e6f0424459486503c636b0e7b71" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

      <tr>
        <td style="width: 50.14%; vertical-align: top; border-bottom: #000000 2px solid;">
          <div style="margin-right: 19.8pt; line-height: 11.9pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-weight: bold;">Signature</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 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>
      </tr>
      <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';">Walter R. White<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>
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          <div style="font-family: 'Times New Roman'; font-size: 8pt;">By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.</div>
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  <div style="text-align: center; line-height: 22.7pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK</div>
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{"company-data": {"conformed-name": "ALLIANZ LIFE INSURANCE CO OF NEW YORK", "cik": "0000080019", "irs-number": "133191369", "state-of-incorporation": "NY", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-1", "act": "33", "file-number": "333-255308", "film-number": "21832070"}, "business-address": {"street1": "5701 GOLDEN HILLS DRIVE", "city": "GOLDEN VALLEY", "state": "MN", "zip": "55308", "phone": "800-950-5872"}, "mail-address": {"street1": "5701 GOLDEN HILLS DRIVE", "city": "GOLDEN VALLEY", "state": "MN", "zip": "55308"}, "former-company": {"former-conformed-name": "PREFERRED LIFE INSURANCE CO OF NEW YORK", "date-changed": "19951128"}}
As filed with the Securities and Exchange Commission on April 16, 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)
Stewart D. Gregg, 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 Deferred Annuity Contract
$300,000,000
(1)
NA
(2)
$2,585,000,000
$315,764
(3)
(1)
The total registered amount includes $300,000,000 of securities was previously registered on May 2, 2014, $285,000,000
              registered on April 8, 2016,  $50,000,000 registered on April 1, 2017, $400,000,000 registered on April 6, 2018, $250,000,000 registered on April 16, 2019, $1,000,000,000 registered on April 9, 2020 and $300,000,000 being registered with this
              Registration, by the Registrant under the Registration statements on Form S-1 (File Nos. 333-192948, 333-210671, 333-217304, 333-224317, 333-230916, and 333-237622), initially declared effective on May 9, 2014, April 25, 2016, May 1, 2017,
              May 1, 2018, April 29, 2019, and May 1, 2020. Pursuant to Rule 415(a)(6) under the Securities Act of 1933, as amended (the "Securities Act"), all unsold securities from the Prior Registration Statements will be added to this Registration
              Statement and the offering of  securities under the Prior Registration Statement will be deemed terminated as of the date of effectiveness of this Registration Statement. As of December 31, 2020, there were $689,163,798 of unsold securities
              registered pursuant to the Prior Registration Statements.
(2)
The proposed maximum offering price per unit is not applicable since these securities are not issued in predetermined amounts or units. The
              full registration fee will be paid upon pre-effective amendment.
(3)
The Registrant previously paid a registration fee in the amount of $38,640, $28,699, $5,795, $49,800, $30,300, and $129,800
              with respect to the securities registered to the Prior Registration Statements. Securities registered pursuant to the Prior Registration Statement that are unsold as of the effective date of this Registration Statement will be included in
              this Registration Statement pursuant to Rule 415(a)(6) as of the
effective date. The previously paid fee will continue to be applied to
    such unsold shares, which the Registrant may continue to offer and sell. The Registrant is paying a registration fee with this registration statement in the amount of $32,730.
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.
Pursuant to Rule 429, the prospectus filed herewith is combined with the prospectus from the
    Prior Registration Statements (File Nos. 333-192948, 333-210671, 333-217304, 333-224317, 333-230916, and 333-237622).
PART I PROSPECTUS
ALLIANZ Index Advantage
®
New York VARIABLE ANNUITY CONTRACT
An individual flexible purchase payment
          index-linked and variable deferred annuity contract
(the Contract)
Issued by Allianz Life
®
of NY Variable Account C
(the Separate Account)
and
Allianz Life Insurance Company of New York
(Allianz Life of New York, we, us, our)
Prospectus Dated: April 30, 2021
Standard Annuity Features
Available Investment Options
• Five fixed annuitization options
(Annuity Options)
• Free withdrawal privilege 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
• 8 index-linked investment options
(Index Options)
based on different combinations of
                  two credit calculation methods
(Crediting Methods)
and four nationally recognized third-party broad based equity securities indexes
(Index or Indexes)
• Three
                  variable investment options
(Variable Options)
The risk of loss can become greater in the case of an early withdrawal 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
Indexes Currently Available with All Crediting Methods
• Index Protection NY Strategy
• Index Performance Strategy
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
Crediting Methods and Indexes may not be available to previously issued Contracts as detailed in Appendix F.
Crediting Method Highlights
All Crediting Methods provide a level of protection against negative Performance Credits from negative Index performance, and a limit on positive Performance Credits from
                    positive Index performance.
Performance Credits
are the annual return you receive 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)
–  Buffers cannot be less than 5%
•
Caps
(the
upper limit
on positive Index
                  performance)
–  Caps cannot be less than 1.50%
Index Performance Strategy
•
Buffers
–  Buffers cannot be less than 5%
• Caps
–  Caps cannot be less than 1.50%
The Contract's risks are described in Risk Factors on page 17 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 value of your Purchase Payments based on the returns of your selected Allocation Options reduced
          for Contract fees, expenses and withdrawals.
If you allocate Purchase Payments or transfer Contract Value to the
          Index Options, you receive Performance Credits calculated by us based on the performance of one or more Indexes over a year-long period
(Index Year)
as measured by the Index Return and the applicable Buffer
          or Cap. An Index Year is a twelve-month period beginning on the
Index
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
1
Effective Date
or a subsequent Index Anniversary.
            The
Index Return
is the percentage change in Index Value from the Index Effective Date or an Index Anniversary to the next Index Anniversary. The
Index Value
is
            the Index's price at the end of the Business Day on the Index Effective Date and each Index Anniversary. The
Index Effective Date
is the first day we allocate assets to an Index Option. An
Index
          Anniversary
is a twelve-month anniversary of the Index Effective Date and is the date we apply Performance Credits.
Because we calculate Index Returns only on a single date in time, you may experience
          negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most, of the Index Year.
Performance Credits may be positive, negative, or equal to zero,
          depending on the applicable Crediting Method and the performance of the applicable Index.
A negative Performance Credit means that you can lose principal and previous earnings.
Caps that we use to determine Performance Credits for a Contract
          can change on each Index Anniversary
and may vary substantially based on market conditions. However, in extreme market environments, it is possible that all Caps will be equal and reduced to the
            minimum of 1.50%.
Buffers that we use to determine Performance Credits for a Contract do not change once they are established. 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. For historical information on the Buffer and Caps, see Appendix C. For historical Index Option performance information, see Appendix D.
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
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New York Variable Annuity Prospectus – April 30, 2021
2
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).
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New York Variable Annuity Prospectus – April 30, 2021
3
TABLE OF CONTENTS
Glossary
6
Summary
10
Who Should Consider Purchasing the Contract?
12
How Do the Crediting Methods Work?
12
How Do the Crediting Methods Compare?
13
Bar Chart Examples of the Crediting Methods Performance
13
Can the Crediting Methods or Indexes Change?
15
When Does Allianz Establish the Values Used to Determine Index Credits?
15
What Are the Different Values Within the Contract?
16
What Is the Daily Adjustment?
16
What is the Performance Lock?
17
Risk Factors
17
Liquidity Risks
17
Risks of Investing in Securities
18
Risk of Negative Returns
18
Risks Associated with Calculation of Performance Credits
19
Risks Associated with Performance Locks
19
Substitution of an Index
20
Changes to Caps and Buffers
20
Investment in Derivative Hedging Instruments
21
Our Financial Strength and Claims-Paying Ability
21
Regulatory Protections
22
Fee Tables
22
Owner Transaction Expenses
22
Owner Periodic Expenses
22
Contract Annual Expenses
23
Annual Operating Expenses of the Variable Options
23
Examples
23
Condensed Financial Information
24
1.
The Contract
25
Financial Adviser Fees
25
When the Contract Ends
26
2.
Ownership, Annuitant, Determining Life, Beneficiary, and Payee
26
Owner
26
Joint Owner
26
Annuitant
26
Determining Life (Lives)
28
Beneficiary
28
Payee
28
Assignments, Changes of Ownership and Other Transfers of Contract Rights
29
3.
Purchasing the Contract
29
Purchase Requirements
29
Applications Sent Electronically
29
Allocation of Purchase Payments and Contract Value Transfers
30
Automatic Investment Plan (AIP)
31
Free Look/Right to Examine Period
31
4.
Variable Options
31
Substitution of Variable Options and Limitation on Further Investments
33
Transfers Between Variable Options
33
Electronic transfer and Allocation Instructions
33
Electronic transfer and Allocation Instructions
33
Excessive Trading and Market Timing
34
Voting Privileges
35
5.
Valuing Your Contract
36
Determining Variable Account Value
36
Determining Index Option Values
37
Calculating Performance Credits
38
Daily Adjustment
38
Performance Locks
38
Optional Reallocation Program
39
6.
Expenses
39
Product Fee
39
Contract Maintenance Charge
41
Withdrawal Charge
41
Transfer Fee
43
Premium Tax
43
Income Tax
43
Variable Option Expenses
44
7.
Access to Your Money
44
Free Withdrawal Privilege
45
Systematic Withdrawal Program
45
Minimum Distribution Program and Required Minimum Distribution (RMD) Payments
45
Waiver of Withdrawal Charge Benefit
45
Suspension of Payments or Transfers
45
8.
The Annuity Phase
46
Calculating Your Annuity Payments
46
Annuity Payment Options
46
When Annuity Payments Begin
47
9.
Death Benefit
47
Death of the Owner and/or Annuitant
48
Death Benefit Payment Options During the Accumulation Phase
49
Death Benefit Payment Options
49
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New York Variable Annuity Prospectus – April 30, 2021
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TABLE OF CONTENTS
10.
Taxes
50
Qualified and Non-Qualified Contracts
50
Taxation of Annuity Contracts
50
Tax-Free Section 1035 Exchanges
51
11.
Other Information
51
The Registered Separate Account
51
Our General Account
52
Our Unregistered Separate Account
52
Distribution
52
Additional Credits for Certain Groups
54
Administration/Allianz Service Center
54
Legal Proceedings
54
Status Pursuant to Securities Exchange Act of 1934
54
12.
Information on Allianz Life of New York
54
Directors, Executive Officers and Corporate Governance
55
Executive Compensation
59
Security Ownership of Certain Beneficial Owners and Management
68
Transactions with Related Persons, Promoters and Certain Control Persons
68
Business and Operational Risks Relevant to the Contract
68
13.
Financial Statements
74
14.
Privacy Notice
75
15.
Table of Contents of the Form N-4 SAI
77
Appendix A – Available Indexes
78
S&P 500
®
Index
78
Russell 2000
®
Index
78
Nasdaq-100
®
Index
79
EURO STOXX 50
®
79
Appendix B – Daily Adjustment
81
Appendix C – Historical Buffers and Initial and Renewal Caps
83
Index Protection NY Strategy
83
Index Performance Strategy
84
Appendix D – Historical Index Option Performance Information
86
Index Performance Strategy with the S&P 500
®
Index
87
Appendix E – Annual Contract Fees Calculation Examples
88
Appendix F – Material Contract Variations by Issue Date
89
Crediting Method and/or Index Availability Restrictions
89
Automatic Performance Lock Availability Restrictions
89
Appendix G – Selected Financial Data and Statutory Financial Statements
90
Management's Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ended December 31, 2020)
90
Statutory Financial Statements
90
For Service or More Information
91
Our Service Center
91
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Table of Contents
Glossary
This prospectus is written in plain English. However, there are
          some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.
Accumulation Phase
– the first
            phase of your Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.
Allocation Options
– the Variable
            Options and Index Options available to you under the Contract.
Annuitant
– the individual upon
            whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are restrictions on who can become an Annuitant.
Annuity Date
– the date we begin
            making Annuity Payments to the Payee from the Contract.
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 any Index Option, this
            is the negative Index Return that we absorb before applying a negative Performance Credit. 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, except, with regard to a specific Variable Option, when that Variable Option does not value its shares. Allianz Life of New York is open for business on each day that the New York Stock Exchange
            is open. Our Business Day ends when regular trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.
Cap
– for any Index Option, this is
            the upper limit on positive Index performance and the maximum potential Performance Credit for an Index Option. We set a Cap for each Index Option on the Index Effective Date and each Index Anniversary. The Caps applicable to your Contract are
            shown on the Index Options Statement.
Charge Base
– the Contract Value on
            the preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract Anniversary), adjusted for subsequent Purchase Payments and any Contract Value withdrawn.
            Withdrawal adjustments include all withdrawals (even Penalty-Free Withdrawals) and any amounts we withdraw for any Contract fees and expenses. 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.
Contract Anniversary
– a
            twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.
Contract Value
– the value of your
            Purchase Payments based on the returns of your selected Allocation Options reduced for previously assessed Contract fees and expenses, and withdrawals. On any Business Day, your Contract Value is the sum of your Index Option Value(s) and
            Variable Account Value. The Variable Account Value component of the Contract Value fluctuates each Business Day that money is held in a Variable Option. The Index Option Value component of the Contract Value is adjusted on each Index
            Anniversary to reflect Performance Credits, which can be negative .
A negative Performance Credit means that you can lose principal and previous earnings.
The Index Option Values also reflect the Daily
            Adjustment on every Business Day other than the Index Effective Date or an Index Anniversary. The 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 that we would apply on liquidation.
Contract Year
– any period of
            twelve months beginning on the Issue Date or a subsequent Contract Anniversary.
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Crediting Method
– a method we use
            to calculate annual Performance Credits if you allocate Purchase Payments or transfer Contract Value to an Index Option.
Daily Adjustment
– how we calculate
            Index Option Values on days other than the Index Effective Date or an Index Anniversary for each Index Option as discussed in the Summary – 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 next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index Anniversary.
Determining Life (Lives)
– the
            person(s) designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit .
Financial Professional
– the person
            who advises you regarding the Contract.
Good Order
– a request is in "Good
            Order" if it contains all of the information we require to process the request. If we require information to be provided in writing, "Good Order" also includes providing information on the correct form, with any required certifications,
            guarantees and/or signatures, and received at our Service Center after delivery to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about the information we require, or
            whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number that includes the date and time we
            received your information.
Index (Indexes)
– one (or more) of
            the nationally recognized third-party broad based equity securities Indexes available to you under your Contract. The Indexes are described in Appendix A.
Index Anniversary
– a twelve-month
            anniversary of the Index Effective Date or any subsequent Index Anniversary.  It is the date we apply Performance Credits. If an Index Anniversary does not occur on a Business Day, we consider it to occur on the next Business Day for the
            purposes of determining Index Values and Index Returns, applying Performance Credits, and setting the Caps.
Index Effective Date
– the first
            day we allocate assets to an Index Option. The Index Effective Date is stated on the Index Options Statement and starts the first Index Year. When you purchase this Contract you select the Index Effective Date as discussed in section 3,
            Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.
Index Option
– the index-linked
            investment options to which you can allocate Purchase Payments or transfer Contract Value. Each Index Option is the combination of an Index and a Crediting Method.
Index Option Base
– an amount we
            use to calculate Performance Credits and the Daily Adjustment. The Index Option Base is equal to the amounts you allocate to an Index Option adjusted for withdrawals, Contract fees and expenses, transfers into or out of the Index Option, and
            the application of any Performance Credits.
Index Option Value
– on any
            Business Day, it is equal to the portion of your Contract Value in a particular Index Option. We establish an Index Option Value for each Index Option you select. Each Index Option Value includes any Performance Credits from previous Index
            Anniversaries and reflects deduction of any previously assessed contract maintenance charge, product fee, and withdrawal charge. On each Business Day during the Index Year other than the Index Effective Date or an Index Anniversary, each Index
            Option Value also includes the Daily Adjustment.
Index Options Statement
– the
            account statement we mail to you on the Index Effective Date and each Index Anniversary thereafter. On the Index Effective Date, the statement shows the initial Index Values, Caps for the Index Options you selected. On each Index Anniversary,
            the statement shows the new Index Values, Performance Credits received, and renewal Caps that are effective for the next year for the Index Options you selected. The Index Options Statement also shows the applicable Buffer for your selected
            Index Option(s).
Index Performance Strategy
– one of
            the Crediting Methods described in the Summary; and in section 5, Valuing Your Contract – Calculating Credits. The Index Performance Strategy calculates Performance Credits based on Index Returns subject to a Cap and Buffer. You can receive
            negative Performance Credits, which means you can lose principal and previous earnings. The Index Performance Strategy provides the highest potential returns. Its Caps will generally be greater than the Index Protection NY Strategy Caps. The
            Index Performance Strategy is more sensitive to large negative market movements because small negative market movements are absorbed by the 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
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Table of Contents
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 Index Effective Date or an Index Anniversary to the next Index Anniversary, which we use to determine the Performance Credits for any Index Option. The Index Return is an Index's current Index Value, minus its
            Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index Anniversary), divided by its Index Value on the last Index Anniversary (or the Index Effective Date if this is the first Index Anniversary).
Index Value
– an Index's price at
            the end of the Business Day on the Index Effective Date and each Index Anniversary as provided by Bloomberg or another market source if Bloomberg is not available.
Index Year
– a twelve-month period
            beginning on the Index Effective Date or a subsequent Index Anniversary.
Issue Date
– the date we issue the
            Contract. The Issue Date is stated in your Contract and starts your first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.
Joint Owners
– the two person(s)
            designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.
Lock Date
– this is the Business
            Day we execute a Performance Lock and capture an Index Option Value (which
includes
the Daily Adjustment) before the Index Anniversary.
Non-Qualified Contract
– a Contract
            that is not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.
Owner
– "you," "your" and "yours."
            The person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.
Payee
– the person or entity who
            receives Annuity Payments during the Annuity Phase.
Penalty-Free Withdrawals
–
            withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and payments you take under our minimum distribution program. Penalty-Free Withdrawals are not subject to a withdrawal charge.
Performance Credit
– the Credit you
            receive on an Index Anniversary for any Index Option . We base Performance Credits on Index Values and Index Returns limited by the Variable Not Found. 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 next Index Anniversary taking into account any applicable Buffer and Cap. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other than the Index
            Effective Date or an Index Anniversary. For more information, see Appendix B.
Proxy Value
– the hypothetical
            value of the Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.
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.
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Separate Account
– Allianz Life of
            NY Variable Account C is the Separate Account that issues the variable investment portion of your Contract. It is a separate investment account of Allianz Life of New York. The Separate Account holds the Variable Options that underlie the
            Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Variable Option. The Separate Account is registered with the SEC as a unit investment trust, and may be referred to as the Registered
            Separate Account.
Service Center
– the area of our
            company that issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of this prospectus. The address for mailing applications and/or checks for
            Purchase Payments may be different and is also listed at the back of this prospectus.
Traditional Death Benefit
– the
            guaranteed death benefit automatically provided by the Contract for no additional fee described in 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, any previously assessed transfer fee, contract maintenance charge, product fee, and withdrawal charge.
Variable Options
– the variable
            investments available to you under the Contract. Variable Option performance is based on the securities in which they invest.
Withdrawal Charge Basis
– the total
            amount under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses – Withdrawal Charge.
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Table of Contents
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)
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 Anniversary, you can transfer Variable Account Value to the available Index Options, and you can transfer
Index Option Value
(the portion of your Contract Value in a particular Index
                  Option) between Index Options.
•  Purchase Payments you allocate to an Index Option must be held in the Index Option for one full Index Year before they can receive a Performance Credit.
Therefore, additional Purchase
                    Payments we receive after the Index Effective Date that you allocate to an Index Option are not eligible to receive a Performance Credit until the second Index Anniversary after we receive them.
• You can only transfer Index Option Value to the Variable Options on every sixth Index Anniversary,
at which point you can do so even if the assets you wish to transfer have been
                    in the Index Options for less than six full years.
Daily Adjustment
(see "What is the Daily Adjustment?" in this Summary and section 5)
The
Daily Adjustment
is how we calculate Index Option Values on days other than the Index Effective Date or an Index
                  Anniversary. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index
                  Anniversary. The Daily Adjustment takes into account any Index gains subject to the Cap, 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.
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 Index Year for any Index Option . If we execute a Performance Lock for an Index
                  Option we do not apply the Daily Adjustment to it for the remainder of the Index Year and the Index Option Value will not receive a Performance Credit on the next Index Anniversary.
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 Contract Value on the preceding Quarterly Contract Anniversary, adjusted for subsequent Purchase Payments and withdrawals).
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Purchasing a Contract: Key Features at a Glance
Other Contract Fees and Expenses
(see the Fee Tables and section 6)
• An 8.5% 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 0.64% 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.
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.
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 total Purchase Payments adjusted for withdrawals.
•
Withdrawals reduce your total Purchase Payments 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.
Material Contract Variations
(see Appendix F)
The product or certain product features may not currently be available in all Contracts or may not be available from all selling
                  firms or from all Financial Professionals. Your Financial Professional can also provide information regarding availability of Allocation Options.
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Table of Contents
Purchasing a Contract: Key Features at a Glance
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.
For example, these other annuity contracts may have different Index
          Options, and different rates and minimums for the Buffers and Caps. Caps 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 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
                  current Index Value is equal to the Index Value on the last Index Anniversary, the Performance Credit is zero.
•
If the Index Return is negative and the loss is:
–
less than
                  or equal to the 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.
•
If the
                  current Index Value is equal to the Index Value on the last Index Anniversary, the Performance Credit is zero.
•
If the Index Return is negative and the loss is:
–
less than
                  or equal to the 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.
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 Index Year.
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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 one Index Year.
• 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.
• 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 one Index Year.
• 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.
What is the growth opportunity?
• Less growth opportunity – generally has lower Caps than the Index Performance Strategy.
• Growth opportunity limited by the Cap.
• Most growth opportunity – generally has higher Caps than the Index Protection NY Strategy.
• Growth opportunity limited by the Cap.
• May perform best in a strong market.
What can change within a Crediting Method?
• Renewal Caps for existing Contracts can change annually.
• 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 1.50% minimum, and Buffers are subject to a 5% minimum.
• Renewal Caps for existing Contracts can change annually.
• 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 1.50% minimum, and Buffers are subject to a 5% minimum.
•
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 5% we would absorb the first -5% of Index Return and you
                  could lose up to 95% 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 as set by us from time-to-time may vary substantially based on market conditions.
However, in extreme market environments, it is possible that all Caps will be equal and reduced to
                    the minimum of 1.50%
.
•
Buffers and Caps can be different from Index Option to Index Option
. For example, Caps for the Index Performance Strategy can be different between the S&P 500
®
Index and the Nasdaq-100
®
Index, and Caps for
                  the S&P 500
®
Index can be different between the Index Protection NY Strategy and Index Performance Strategy.
They may also be different from Contract-to-Contract depending on Index Effective Date
.
Bar Chart Examples of the Crediting Methods Performance
The following hypothetical examples show conceptually how the
          Crediting Methods might work in different market environments and assume no change in the hypothetical Caps. All values below are for illustrative purposes only. The examples do not reflect any Caps or Buffers 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 deduction of the Contract fees and expenses. Historical Index Option performance information is also included in Appendix D.
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Can the Crediting Methods or Indexes Change?
We can add new Crediting Methods and Indexes to your Contract in
          the future, and you can allocate Purchase Payments or transfer Contract Value to them on the next Index Anniversary after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or change how it
          calculates Performance Credits. Once we add an Index Option to your Contract, we cannot change its Buffer after it is established. However, we can change the renewal Caps associated with any Index Option on each Index Anniversary.
Once we add an Index to your Contract, we cannot remove it without
          simultaneously replacing or substituting it. Index replacements and substitutions can occur either on an Index Anniversary or during an Index Year. If we substitute an Index during an Index Year, we will combine the return of the previously
          available substituted Index with the return of the new Index. However, if we substitute an Index, we do
not
change the Buffers applicable to your Contract, or the current Caps that
          we set on the prior Index Anniversary. Changes to the Caps for the new substituted Index, if any, may occur at the next regularly scheduled Index Anniversary or later Index Anniversaries. For more information, see Risk Factors – Substitution of
          an Index.
Historical information on the Buffers and Caps is provided in Appendix C.
This information is for historical
                    purposes only and is not a representation as to future Buffers and Caps.
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 for a newly issued Contract on the
          Index Effective Date and they cannot change until the next Index Anniversary. You select the Index Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract
          Anniversary, but it cannot be the 29th, 30th or 31st of a month. We can change the renewal Caps for an existing Contract annually on each Index Anniversary, in our discretion. Your initial and renewal Caps are stated in your
Index Options Statement
, which is the account statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the Index Effective
          Date and each subsequent Index Anniversary. We use these Index Values to determine Index Returns and Performance Credits.
For information on the Buffers, and initial Caps 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 they take effect.
We will send you a letter at least 30 days before each Index
          Anniversary. This letter advises you that your current Caps are expiring on the upcoming Index Anniversary, and that renewal Caps for the next Index Year will be available for your review in your account on our website at least seven calendar
          days before the upcoming Index Anniversary. We also have a link to your Contract information with your renewal Caps on our website at www.allianzlife.com/indexratesny , or call (800) 624-0197. The Index Anniversary letter also reminds you of your
          opportunity to transfer Variable Account Value to the Index Options, or reallocate your Index Option Values on the upcoming anniversary.
•  If your Contract is within its free
                  look period you may be able to take advantage of any increase in initial Caps by cancelling your Contract and purchasing a new Contract.
•  Caps may be different between
                  newly issued and existing Contracts, and between existing Contracts issued on the same month and day in different years. For example, assume that in January 2017 we set Caps for the Index Performance Strategy with the S&P 500
®
Index as follows:
–  13% initial rate for new Contracts issued in 2017,
–  14% renewal rate for existing Contracts issued in 2016, and
–  12% renewal rate for existing Contracts issued in 2015.
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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 fees and charges that we would apply on liquidation.
•
Your
                  Variable Account Value is the sum of the values in your selected Variable Options. It reflects deduction of Variable Option operating expenses, any previously assessed transfer fee, contract maintenance charge, product fee, rider fees,
                  and any withdrawal charge. It changes each Business Day based on the performance of the Variable Options.
•
Your total Index Option Value is the sum of the values in each of your selected Index Options. Each Index Option Value includes any Performance Credits from previous Index Anniversaries and the deduction
                  of any previously assessed contract maintenance charge, product fee, and withdrawal charge. Amounts removed from the Index Options during the Index Year for withdrawals and Contract expenses
do not
receive a Performance Credit on the next Index Anniversary, but the amount remaining does receive a Performance Credit subject to the applicable Cap or Buffer.
–
On each
                  Business Day during the Index Year other than the Index Effective Date or an Index Anniversary, we calculate the current Index Option Value by adding a Daily Adjustment to the Index Option Base. The
Index
                    Option Base
is the amount you allocate to an Index Option adjusted for withdrawals, deduction of Contract fees and expenses, transfers into or out of the Index Option, and the application of any Performance Credits.
What Is the Daily Adjustment?
The Daily Adjustment is how we calculate Index Option Values on
          Business Days other than the Index Effective Date or an Index Anniversary for each Index Option.
The Variable Options are are not subject to the Daily Adjustment.
The Daily Adjustment can affect the amounts available for
          withdrawal, annuitization, payment of the death benefit, and the Contract Value used to determine the Charge Base and contract maintenance charge. The Daily Adjustment can be positive or negative. When the Daily Adjustment is positive, your Index
          Option Value has increased since the beginning of the year. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract expenses or any partial withdrawal).
We calculate the Daily Adjustment for a given Business Day before
          we deduct any Contract fees or expenses or process any partial withdrawal on that Business Day, including Penalty-Free Withdrawals. However, the Daily Adjustment calculation is not affected by any Contract expense deduction or partial withdrawal.
Penalty-Free Withdrawals
are withdrawals you take under the free withdrawal privilege or waiver of withdrawal charge benefit, and payments you take under our minimum distribution program. Penalty-Free
          Withdrawals are not subject to a withdrawal charge. The Daily Adjustment does not change the Contract expense deducted or the withdrawal amount; it only changes the Index Option Value from which we deduct the expense or withdrawal.
The Daily Adjustment approximates the Index Option Value that will
          be available on the next Index Anniversary. It is the estimated present value of the future Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:
(i)
any Index
                  gains during the Index Year subject to the Cap,
(ii)
any Index
                  losses greater than the Buffer, and
(iii)
the number of days until the next Index Anniversary..
The Daily Adjustment does this by using the hypothetical value of a
          Proxy Investment
(Proxy Value)
each Business Day, other than the Index Effective Date or an Index Anniversary, based on the formulas described in Appendix B. The
Proxy
            Investment
provides a current estimated present value of what the Performance Credit will be on the next Index Anniversary taking into account the applicable Buffer and Cap. The Daily Adjustment is not the actual Index return on the day
          of the calculation, and the estimated present value Performance Credit is not guaranteed. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer.
A withdrawal taken during the Index Year may not receive the full
          benefit of the Buffer because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the next Index Anniversary. All other factors being equal, even if the current Index return during the Index Year is
          greater than the Cap, the Daily Adjustment will usually be lower than the Cap. This is because there is a possibility that the Index return could decrease before the end of the Index Year. Similarly, even though a negative Index return may be
          within the amount of the Buffer, you still may
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®
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receive a negative Daily Adjustment because there is a possibility that the Index
          Return could decrease before the end of the Index Year.
A negative Daily Adjustment may cause you to realize loss of principal 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. 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.
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 assets from your Contract 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 5% withdrawal charge applies. The total withdrawal charge would be $50
          (5% of $1,000). This results in you receiving $750.
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
          Index Year on the Index Anniversary, rather than on a daily basis. In the interim, we calculate Index Option Values based on the Daily Adjustment. Any assets removed from an Index Option during the Index Year for withdrawals you take, Annuity
          Payments, or Contract fees and expenses we deduct, or to amounts you choose to have us withdraw to pay financial adviser fees from this Contract, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Index
          Anniversary. These removed assets will not receive the full benefit of the Index Value 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 Index Anniversary.
You can transfer Index Option Value to a Variable Option only on
          every sixth Index Anniversary, and you may transfer Index Option Values among the Index Options only on an Index Anniversary. At other times, you can only move assets out of an Index Option by taking partial withdrawals, surrendering the
          Contract, or entering the Annuity Phase. These restrictions may limit your ability to react to changes in market conditions. You should consider whether investing in an Index Option is consistent with your financial needs.
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Risks of Investing in Securities
Returns on securities and securities Indexes can vary
          substantially, which may result in investment losses. The historical performance of the available Allocation Options does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Trading
          prices of the securities underlying the Allocation Options are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets generally and
          markets on which the underlying securities are traded and these factors can influence the performance of the underlying securities.
If you allocate Purchase Payments or transfer Contract Value to an
          Index Option, your returns depend on the performance of an Index although you are not directly invested in the Index. Because the S&P 500
®
Index,
          Russell 2000
®
Index, Nasdaq-100
®
Index and EURO STOXX
          50
®
are each comprised of a collection of equity securities, in each case the value of the component securities is subject to market risk, or the risk
          that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.
S&P 500
®
Index
. The S&P 500
®
Index is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges, and also may not be able to attain the high growth
            rate of successful smaller companies.
Russell 2000
®
Index
. The Russell 2000
®
Index is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies.
Nasdaq-100
®
Index
. The Nasdaq-100
®
Index is comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry groups except the financial industry. To the extent that the Nasdaq-100
®
Index is comprised of securities issued by companies in a particular sector, that company's securities may not perform as well as companies in other
            sectors or the market as a whole. Also, any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing
            currency exchange rates; and greater political, regulatory, and economic uncertainty).
EURO STOXX 50
®
. EURO STOXX 50
®
is
            comprised of the equity securities of large-capitalization companies in the Eurozone. The securities comprising EURO STOXX 50
®
are subject to the
            risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty), and are significantly affected by the European markets and
            actions of the European Union.
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 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. Ongoing Contract fees and expenses, including withdrawal charges, could also cause amounts available for withdrawal to be less
          than what you invested even if Index
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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.
If you select an Index Option, we calculate Index Option Values on
          each Business Day during an Index Year (other than the Index Effective Date or an Index Anniversary) by adding the Daily Adjustment. The Daily Adjustment affects the total Contract Value available for withdrawal, annuitization, and 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 year-to-date Index return is greater than the Cap. In addition, even though
          the year-to-date Index return may be positive, the Daily Adjustment may be negative due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. The Daily Adjustment is generally negatively affected by:
•
interest
                  rate decreases,
•
dividend
                  rate increases,
•
poor market performance, and
•
increases
                  in the expected volatility of Index prices.
If you take a withdrawal from an Index Option before the Index
          Anniversary,
you could lose principal and previous earnings because of the Daily Adjustment
even if Index performance is positive on that day or has been
            positive since the beginning of the Index Year
. If the current Index return during the Index Year is negative, the Daily Adjustment could result in losses greater than the protection provided by the
            Buffer.
Risks Associated with Calculation of Performance Credits
We calculate Performance Credits each Index Year on the Index
          Anniversary. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most, of the Index
          Year. If you allocate Purchase Payments or transfer Contract Value to the Index Options the Caps limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund designed to track
          the performance of the applicable Index, or the Variable Options.
The Index Options do not directly participate in the returns of the
          Indexes or the Indexes' component securities, and do not receive any dividends payable on these securities. Index returns would be higher if they included the dividends from the component securities. The past ten years of actual average of the
          annual Index returns without and with dividends would have been as follows:
January 1, 2011 through December 31, 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 may be adjusted annually on the Index Anniversary and may vary
          significantly from year to year. Changes to Caps may significantly affect the amount of Performance Credit you receive. For more information, see the "Changes to Caps and Buffers" discussion later in this section.
The Crediting Methods only capture Index Values on one day each
          year, so you will bear the risk that the Index Value might be abnormally low on these days.
Risks Associated with Performance Locks
If a Performance Lock is executed:
•
You will
                  no longer participate in Index performance, positive or negative, for the remainder of the Index Year for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder of the
                  Index Year.
•
You will
                  not receive a Performance Credit on any locked Index Option on the next Index Anniversary.
•
We use the Daily Adjustment calculated at the end of the
current
Business Day on the Lock Date to determine your locked Index Option
                  Value. This means you will not be able to determine in advance your locked Index Option Value, and it may be higher or lower than it was at the point in time you requested a manual Performance Lock, or that your Index Option reached its
                  target for an automatic Performance Lock.
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•
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 an Index Year. If we
          substitute an Index during an Index Year we will combine the return of the replaced existing Index from the prior Index Anniversary to the substitution date with the return of the new Index from the substitution date to the next Index
          Anniversary. If we substitute an Index during an Index Year:
•
we do
not
change the Charge Base we use to calculate the product fee, and
•
the Buffers and Caps for the replaced Index will apply to the new Index. We do
not
change the Buffers applicable to your Contract, or the
                  current Caps that we set on the prior Index Anniversary.
Changes to Caps associated with the new Index, if any, may occur at
          the next regularly scheduled Index Anniversary or on later Index Anniversaries. Depending on the constitution of the replaced Index, the volatility of its investments, and our ability to hedge the Index's performance, we may determine, in our
          discretion, to increase or decrease renewal Caps associated with the new Index. However, we would not implement any change to reflect this difference until the next Index Anniversary after the substitution. The substitution of an Index during an
          Index Year may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index.
The selection of a substitution Index is in our discretion;
          however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will replace any equity Index with a broad-based equity index.
Changes to Caps and Buffers
You can only transfer Index Option Value to a Variable Option on a sixth Index Anniversary.
We establish Buffers, and initial and renewal Caps as indicated
          under "When Does Allianz Establish the Values Used to Determine Index Credits?" in the Summary section. This section also includes information on where to find information on initial and renewal Caps, and the notice we provide you of renewal
          changes on each Index Anniversary.
On each Index Anniversary you have the option of remaining
          allocated to your current Index Options at the renewal Caps, or transferring to another permitted Allocation Option, subject to the limitations on transfers from an Index Option to a Variable Option. If you do not review renewal change
          information when it is published, or take no action to transfer to another permitted Allocation Option, you will remain allocated to your current Index Options and will automatically become subject to the renewal Caps until the next Index
          Anniversary.
You risk the possibility that the renewal Caps you receive may be
          less than you would find acceptable. If you do not find the renewal rates acceptable, you must give us transfer instructions no later than the close of the Business Day on the Index Anniversary (or the next Business Day if the anniversary is a
          non-Business Day) or you will be subject to these renewal Caps for the next Index Year. Other than on a sixth Index Anniversary when you can transfer Index Option Value to the Variable Options, when your renewal rates change the only option
          available to you is to transfer Index Option Value between Index Options.
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Initial and renewal Caps may vary significantly depending upon a
          variety of factors, including:
•
market
                  volatility,
•
our
                  hedging strategies and investment performance,
•
the
                  availability of hedging instruments,
•
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. In a rising interest rate environment, increases in Caps, if any, may be substantially slower than increases in interest rates.
We manage our obligation to provide Performance Credits in part by
          trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal Caps to reflect these cost changes. The
          primary factor affecting the differences in the initial Caps for newly issued Contracts and renewal rates for existing Contracts is the difference in what we can earn from these investments for newly issued Contracts versus what we are earning on
          the investments that were made, and are being held to maturity, for existing Contracts. In some instances we may need to reduce both initial and renewal Caps, or we may need to substitute an Index. You bear the risk that we may reduce Caps, which
          reduces your opportunity to receive positive 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.
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 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.
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The assets in our unregistered separate account, Separate Account
          IANY are also subject to claims by our creditors. You can obtain information on our financial condition by reviewing our financial statements in this prospectus. For more information see section 11, Other Information – Our Unregistered Separate
          Account.
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
8.5%
1
8%
2
6.5%
3
5%
4
3%
5
1%
6 years or more
0%
Transfer Fee
(3)
$25
(for each transfer between Variable Options after twelve in a Contract Year)
Premium Tax
(4)
3.5%
(as a percentage of each Purchase Payment)
Owner Periodic Expenses
Contract Maintenance Charge
(5)
$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.
(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.
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(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)
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
0.64%
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
(2)
.10
–
.04
.57
.71
AZL MVP Growth Index Strategy Fund
(2)
.10
–
.02
.53
.65
(2)
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.
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
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(maximum charge of 1.25% ) 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 exp.)
$1,013
$1,390
$1,743
$2,726
0.64% (minimum Investment Option operating exp.)
$1,006
$1,369
$1,708
$2,655
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
0.64% (minimum Investment Option operating expense)
N/A
$689
$1,208
$2,605
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
0.64% (minimum Investment Option operating expense)
$241
$739
$1,258
$2,655
Condensed Financial Information
The statutory financial statements of Allianz Life Insurance
          Company of New York are included in Appendix G 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.
(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
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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 payout 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 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 a 10% additional federal tax if you are under age 59
1
⁄
2
may apply, and the amount of Contract
            Value available for withdrawal may be affected by the Daily Adjustment
(which can be negative).
This withdrawal reduces the Contract Value
          and the amount available under the free withdrawal privilege by the amount withdrawn. It may also reduce your Contract's guaranteed death benefit value (total Purchase Payments adjusted for withdrawals)
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. 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.
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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 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 Withdrawal 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 (total Purchase Payments adjusted for withdrawals) 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
Prior to withdrawal
$ 100,000
$ 90,000
$5,000 withdrawal
– ($5,000/ 100,000)
x 90,000)]
– $5,000
= – $4,500
After withdrawal
$ 95,000
$ 85,500
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
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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 total Purchase Payments adjusted for withdrawals 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.
•
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 total Purchase Payments adjusted for withdrawals 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 simultaneouslysimultaneously, 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 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 according to your Purchase Payment default instructions. On
          the Index Effective Date we rebalance or reallocate your total Contract Value among all of your selected Allocation Options according to your Purchase Payment default instructions. For additional Purchase Payments we receive
after
the Index Effective Date, we transfer the amounts held in the AZL Government Money Market Fund to your selected Index Options on the next Index Anniversary. 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 Index Anniversaries
. You can automatically reallocate your total Contract Value annually by providing us with instructions (see section 5,
            Optional Reallocation Program).
You select the Index Effective Date when you purchase your
          Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month.
On your application if you select…
Your Index Effective Date will be either…
the earliest Index Effective Date
• your Issue Date, or
• the first Business Day of the next month if the Issue Date is the 29th, 30th, or 31st of a month
the deferred Index Effective Date
• your first Quarterly Contract Anniversary, or
• the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business Day, or the first Business Day of the next month if the first Quarterly Contract Anniversary is the 29th, 30th, or 31st of a month
You (or your Financial Professional, if authorized) can change your
          Index Effective Date before it occurs to be an earlier or later date by submitting a request. However, your new Index Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order
          at our Service Center before the end of the Business Day on which you want the Index Effective Date to occur. Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary.
You can change your Purchase Payment default instructions at any
          time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to Purchase Payment default instructions from any Owner unless you instruct otherwise. We may
          allow you to authorize someone else to change these default instructions on your behalf.
Changes to your Purchase Payment default instructions do not reallocate or transfer existing Index Option
            Values
.
We notify you at least 30 days in advance of each Index Anniversary
          as a reminder that on the upcoming anniversary you may transfer Variable Account Value to the Index Options, and you may transfer Index Option Value between Index Options. Transfers between Allocation Options do not change your Purchase Payment
          default instructions. For more information, see section 4, Variable Options – Electronic Transfer and Allocation Instructions. On each Index Anniversary, if we have not received transfer instructions from you, and you are not participating in the
          Index Option reallocation program, all assets invested continue to be invested in the Index Options at the renewal Caps.
You cannot transfer Index Option Value to the Variable Options
          except on every sixth Index Anniversary,
at which point you can do so even if the assets you wish to transfer have been in the Index Options for less than six full years
. If you request to
          transfer Index Option Value to the Variable Options on a sixth Index Anniversary this request automatically cancels any prior transfer instructions you gave to us regarding moving Variable Account Value to the Index Options. We must receive all
          Index Option transfer instructions in Good Order at our Service Center before the end of the Business Day on the Index Anniversary (or the next Business Day if the Index Anniversary is a non-Business Day).
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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. 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 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 Government Money Market Fund until the free look period ends, and then
          re-allocate your money, less fees and charges, 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.
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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.
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.
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Substitution of Variable Options and Limitation on Further
          Investments
We may substitute another Variable Option for one of your selected
          Variable Options, for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice. We may make
          substitutions with respect to your existing allocations, future Purchase Payment allocations, or both. New or substitute Variable Options may have different fees and expenses, and their availability may be limited to certain purchaser classes. We
          may limit further Variable Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Variable Options to additional allocations. The fund companies that sell Variable
          Option shares to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares.
Transfers Between Variable Options
You can transfer Variable Account Value among the Variable Options
          on any Business Day. Transfers may be subject to a transfer fee as stated in section 6, Expenses.
The following applies to any transfer.
•
Your
                  request for a transfer must clearly state the Variable Options involved and how much to transfer.
•
Your
                  right to make transfers is subject to the Excessive Trading and Market Timing policy discussed later in this section.
•
Variable Account Value transfers between Variable Options do not change your Purchase Payment default instructions.
Any amount held in the AZL Government Money Market Fund that is set
          to be allocated to an Index Option on the Index Effective Date or an Index Anniversary will not be transferred to the Index Option if it is transferred to another Variable Option.
We process transfer requests based on prices next determined after
          we receive your request in Good Order at our Service Center. If we do not receive your transfer request
before
the end of the
current
Business Day, even if due to our
          delay in answering your call or a delay caused by our electronic systems, you receive the
next
Business Day's prices. For jointly owned Contracts, unless you require us to obtain signatures from both Joint
          Owners, we accept transfer instructions from any Joint Owner. We may also allow you to authorize someone else to request transfers on your behalf.
Electronic transfer and Allocation Instructions
We use reasonable procedures to confirm that electronic transfer
          and 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.
Electronic transfer and Allocation Instructions
We use reasonable procedures to confirm that electronic transfer
          and 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
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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 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
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re-allocations based on your personal situation or overall market conditions. We
          attempt to protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners.
We may make exceptions when imposing transfer restrictions if we
          determine a transfer is appropriate, although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its relative size, whether
          it was purely a defensive transfer into the AZL Government Money Market Fund, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not reinstate these privileges
          if we believe they might be used for future disruptive trading.
We cannot guarantee the following.
•
Our
                  monitoring will be 100% successful in detecting all potentially disruptive trading activity.
•
Revoking electronic transfer privileges will successfully deter all potentially disruptive trading.
In addition, some of the Variable Options are available to other
          insurance companies and we do not know if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be completely successful at detecting and
          preventing market timing activities, and other insurance companies that offer the Variable Options may not have adopted adequate market timing procedures, there is some risk that market timing activity may occur and negatively affect other
          Owners.
We may, without prior notice to any party, take whatever action we
          deem appropriate to comply with any state or federal regulatory requirement. In addition, purchase orders for a Variable Option's shares are subject to acceptance by that Variable Option's manager. We reserve the right to reject, without prior
          notice, any Variable Option transfer request or Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements required under SEC Rule 22c-2 (Rule 22c-2 agreements) whereby, upon request by an
          underlying fund or its designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1) provide details concerning every
          purchase, redemption, transfer, or exchange of Variable Options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain Rule 22c-2 agreements, if we fail to comply with a
          request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders from us until we comply.
Variable Options may add or change policies designed to restrict
          market timing activities. For example, Variable Options may impose restrictions on transfers between Variable Options in an affiliated group if the investment adviser to one or more of the Variable Options determines that the person requesting
          the transfer has engaged, or is engaging in, market timing or other abusive trading activities. In addition, a Variable Option may impose a short-term trading fee on purchases and sales within a specified period. You should review the Variable
          Options' prospectuses regarding any applicable transfer restrictions and the imposition of any fee to discourage short-term trading. The imposition of these restrictions would occur as a result of Variable Option restrictions and actions taken by
          the Variable Options' managers.
This Contract is not designed for professional market timing organizations, or other persons using programmed, large, or frequent transfers, and we may restrict
                  excessive or inappropriate transfer activity.
The retention of some level of discretion by us may result in
          disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive trading practices that have negative
          effects.
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.
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•
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 expenses
Contract 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 expenses
Contract 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 Credits to the Index Options on the Index Anniversaries. Contract expenses are deducted at different times during the Index Year as stated in section 6, Expenses. The
          Daily Adjustment applies to the Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy on any Business Day other than the Index Effective Date or an Index Anniversary.
Performance Credits are subject to the applicable Cap or Buffer
. Positive Performance Credits are not guaranteed and Performance Credits can be zero under all the Index Options. Performance Credits can be negative after application of the Buffer.
A negative Performance
          Credit means that you can lose principal and previous earnings.
These losses can be significant.
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, withdrawal or deduction of Contract fees and expenses.
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We arbitrarily set the initial accumulation unit value for each
          subaccount. At the end of each Business Day, we determine the new accumulation unit value for each subaccount by multiplying the prior Business Day's accumulation unit value by the Variable Option's percentage change in price since the prior
          Business Day. The percentage change in price includes the Variable Option's market performance.
Example
•
We
                  receive at our Service Center an additional Purchase Payment of $3,000 from you before the end of the Business Day.
•
When the
                  New York Stock Exchange closes on that Business Day, we determine that the accumulation unit value is $13.25 for the subaccount of your selected Variable Option.
•
We then divide $3,000 by $13.25 and credit your Contract that night with 226.415094 subaccount accumulation units for your selected Variable Option.
Determining Index Option Values
We calculate an Index Option Value for each Index Option at the end
          of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the Index Effective Date or an Index Anniversary. The Daily
          Adjustment can be positive or negative and is discussed later in this section.
On the Index Effective Date, both the Index Option Value and the
          Index Option Base for each of your selected Index Options are initially equal to the amount of:
•
any
                  Purchase Payment received that day which you allocated to that Index Option, and
•
any Contract Value transferred into that Index Option.
At the end of each subsequent Business Day for each selected Index
          Option, we first either apply:
•
the Daily
                  Adjustment if this is not an Index Anniversary, or
•
a Performance Credit if this is an Index Anniversary.
We calculate Performance Credits as described under "Calculating
          Performance Credits" next in this section and apply them as follows:
•
We
                  multiply each Index Option Base by its Performance Credit and add this amount to its Index Option Base.
•
Then we set each Index Option Value equal to its Index Option Base.
Lastly, we increase and/or decrease each Index Option Base and
          Index Option Value for additional Purchase Payments, transfers, partial withdrawals and the deduction of any Contract expenses.
•
Additional

                  Purchase Payments received on an Index Anniversary and allocated to this Index Option, and transfers of Variable Account Value or Index Option Value into this Index Option, increase these values by the dollar amount allocated or
                  transferred.
•
Transfers
                  out of this Index Option reduce these values by the dollar amount removed from the Index Option.
•
Partial withdrawals you request and Contract expenses we deduct reduce these values by the dollar amount withdrawn from the Index Option.
–
We deduct
                  partial withdrawals and Contract 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 applicable withdrawal charge.
–
We then reduce each Index Option Base by the same percentage that the amount withdrawn reduced its associated Index Option Value.
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•
Partial withdrawals
                    and Contract expenses we deduct from the Index Options during the Index Year do not receive a Performance Credit on the next Index Anniversary
. However, the remaining amount in the Index Options is eligible for a Performance
                  Credit on the next Index Anniversary.
•  You cannot
                  specify from which Allocation Option we deduct Contract 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.
Calculating Performance Credits
We base Performance Credits on Index Values and Index Returns. We
          measure Index Values on the Index Effective Date and subsequent Index Anniversaries using the Index's price at the end of the Business Day as provided by Bloomberg or another market source if Bloomberg is not available. If the Index Anniversary
          is a non-Business Day we use the next Business Day's Index price. If you select the EURO STOXX 50
®
, we determine Index Returns without any exchange
          rate adjustment.
Because we calculate Index Returns only on Index Anniversaries, the Index Return does not necessarily reflect the highest or lowest Index Values that occurred during an Index
            Year.
Crediting Method
If Index Value is less than it was on the
prior Index Anniversary*
(i.e., Index Return is negative):
If Index Value is equal to or greater than it was on the prior Index Anniversary*
(i.e., Index Return is zero or positive):
Index Performance Strategy
Performance Credit is equal to the negative Index Return in excess of the Buffer.Assume the Buffer is 10%. If the Index Return
                  is…
• -8%, the Performance Credit is zero.
• -12%, the Performance Credit is -2%.
Performance Credit is equal to the Index Return up to the Cap set on the prior Index AnniversaryAssume the Cap is 8%. If the Index Return is…
• 0%, the Performance Credit is zero.
• 6%, the Performance Credit is 6%.
• 12%, the Performance Credit is 8%.
Index 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 prior Index Anniversary*Assume the Cap is 5%. If the Index Return is…
• 0%, the Performance Credit is zero.
• 4%, the Performance Credit is 4%.
• 12%, the Performance Credit is 5%.
*  Or the Index Effective Date if this is the first Index Anniversary.
Daily Adjustment
We designed the Daily Adjustment to provide an Index Option Value
          during the Index Year on days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment can affect the amounts available for withdrawal, annuitization, payment of the death benefit, and the Contract Value used to determine
          the Charge Base and contract maintenance charge. It is discussed in the Summary - 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 Index Anniversaries. For
          requests submitted in writing, we do not consider the request to be received until it arrives at our Service Center.
You (or your Financial Professional, if authorized) can request an
          automatic Performance Lock based on targets you set only through your account on our website. Automatic Performance Locks are not available to Contracts issued before August 24, 2015, or that have a Contract number starting with GAZ. When you
          establish your account you must provide us with an email address. You can set upper and/or lower targets for each of these Index Options each Index Year.
Setting a
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target close to the current Index Option Value return may cause a Performance Lock to
          occur very quickly.
You can change or cancel targets at any time before we execute a Performance Lock. Each Index Option's targets automatically expire on the earlier of the Lock Date, or the
            last Business Day before the Index Anniversary. You can also "over-ride" a target by requesting a manual Performance Lock before the target is reached. We determine if a target is reached using the Index Option Values determined at the end of
            the prior Business Day using the prior day's Daily Adjustment. We then execute the Performance Lock using the Daily Adjustment determined at the close of business on the Lock Date.
By setting targets you are authorizing us to
          automatically execute a Performance Lock at the end of the Business Day on the Lock Date upon which the target is reached, unless you cancel the lock.
We will send an email notice once the
            Daily Adjustment for an Index Option reaches a target. To cancel an automatic Performance Lock after a target is reached, we must receive your request in Good Order
before
the end of the Business Day on the Lock Date.
For example, assume the Cap for the Index Performance Strategy with
          the S&P 500
®
Index is 10.25% and you set a target of 9.50%. On a Tuesday, your 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 Daily Adjustment determined at the close of business. If Wednesday is a
          non-Business Day, your Lock Date would instead be Thursday (assuming it is a Business Day).
Note that the Daily Adjustment on the Lock Date could be greater or less than your target of 9.50%, or
            Tuesday's Daily Adjustment of 9.63%.
A Performance Lock can be executed once each Index Year for each of
          these Index Options. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end of the current Business Day on the Lock Date
          to determine your locked Index Option Value. This "locked" Index Option Value may be more or less than the "unlocked" Index Option Value that is available for your review on the Lock Date because the unlocked Index Option Value was determined at
          the end of the
prior
Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the Term, Daily Adjustments do not apply for the remainder of the Index
          Year and the locked Index Option Value will not receive a Performance Credit on the next Index Anniversary. 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 Index Year. If
          you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option.
A Performance Lock can help eliminate doubt about future Index
          performance and possibly limit the impact of a negative Performance Credit you would otherwise receive. The disadvantage of executing a Performance Lock is that the relevant Index Value could increase before the end of the Index Year, and you
          will not participate in that increase. In addition, if you execute a Performance Lock, you may receive less than the full protection of the Buffer, than you would have received if you waited for us to apply the Performance Credit on the next
          Index Anniversary.
Optional Reallocation Program
Index Option performance may cause the percentage of total Index
          Option Value in each Index Option to change. Reallocating can help you maintain your selected Index Option allocation percentages. You can direct us to automatically reallocate your Index Option Values on each Index Anniversary (or on the next
          Business Day if the Index Anniversary is a non-Business Day) according to your instructions. We must receive your reallocation instructions in Good Order at our Service Center before the end of the Business Day we reallocate. We reserve the right
          to discontinue or modify the optional reallocation program at any time and for any reason. To end this program, we must receive your request at our Service Center before the end of the last Business Day immediately before the Index Anniversary.
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 amount we receive.
– If you take a partial withdrawal (including a Penalty-Free Withdrawal), or we withdraw Contract fees and expenses, we decrease the Charge Base by the percentage of Contract Value withdrawn.
• 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 Credit if this is also an Index Anniversary), any additional Purchase Payment, deductions for withdrawals (including any withdrawal charge), and Contract fees and expenses
including deduction of the accrued daily product fee for the prior quarter.
– We deduct the accrued product fee for the prior quarter on a dollar for dollar basis from the Contract Value, and proportionately from each Allocation Option.• Then we set the Charge Base equal to this Contract Value and we
                  calculate and accrue the
next quarter's
daily product fee using the newly set Charge Base.
*
Or the
                    next Business Day if the Quarterly Contract Anniversary is a non-Business Day.
Example:
Contract Value is $125,000; Charge Base is $127,000; a $10,000 partial withdrawal
                    (including any withdrawal charge) would decrease the Charge Base by $10,160. [($10,000 ÷ $125,000) x $127,000]
Any increase/decrease to the Charge Base will increase/decrease the daily product fee we calculate and accrue
on the next day.
Examples of how we calculate the product fee are included in Appendix E.
We do not treat the deduction of the accrued product fee as a withdrawal when computing total Purchase Payments adjusted for withdrawals under the Traditional Death
                  Benefit (see section 9).
Deduction of the final product fee
•
If you
                  take a full withdrawal of the total Contract Value, 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.
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 total Purchase Payments adjusted for withdrawals under the Traditional Death
          Benefit.
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 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.
1
.
Purchase Payments beyond the withdrawal charge period.
All payments are still
                  within the withdrawal charge period, so this does not apply.
2.  Then, if this is a partial withdrawal, we withdraw from the free withdrawal privilege (see section 7, Access to Your Money – Free Withdrawal Privilege). This
                  withdrawal is not subject to a withdrawal charge, it reduces the Withdrawal Charge Basis, and is withdrawn from Purchase Payments on a FIFO basis.
2
.
Amounts available under the free withdrawal privilege.
You did not take any other
                  withdrawals this year, so you can withdraw up to 10% of your total payments (or $10,000) 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. This withdrawal reduces the Withdrawal Charge Basis.
The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows.
3
.
Purchase Payments within the withdrawal charge period on a FIFO basis.
The total amount we withdraw
                  from the first Purchase Payment is $30,000, which is subject to a 6.5% withdrawal charge, and you receive $18,700. We determine this amount as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the amount you receive, or:
$20,000 x 0.935 = $18,700
Next we withdraw from the second Purchase Payment.
So far, you received $28,700 ($10,000 under the free withdrawal privilege and $18,700 from the first Purchase Payment), so we withdraw $23,300 from the second Purchase Payment to equal the $52,000 you requested. The second Purchase
                  Payment is subject to an 8% withdrawal charge. We calculate the total amount withdrawn and its withdrawal charge as follows:
(the amount you receive) ÷ (1 – withdrawal charge) = amount withdrawn, or:
$23,300 ÷ 0.92 = $25,326.
Number of Complete
Years Since
Purchase Payment
Withdrawal Charge
Amount
0
1
2
3
4
5
6 years or more
8.5%
8%
6.5%
5%
3%
1%
0%
4.  Finally we withdraw any Contract earnings. This withdrawal is not subject to a withdrawal charge and it does not reduce the Withdrawal Charge
                  Basis.
4.
Contract earnings.
We already withdrew your requested amount, so this does not apply.
In total we withdrew $55,326 from your Contract, of which you received $52,000 and paid a withdrawal charge of $3,326.
Upon a full withdrawal, we first deduct any applicable product fee,
          and contract maintenance charge before we calculate the withdrawal charge. We deduct any applicable withdrawal charge from the total Contract Value and send you the
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remaining amount. For a partial withdrawal we deduct the amount you request, plus
          any applicable withdrawal charge from the total Contract Value. We apply the withdrawal charge to this total amount and we pay you the amount you requested. 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 assess the product fee, and/or contract maintenance charge, we assess these charges in this order after we deduct the
          withdrawal and any applicable 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.
•  We do not reduce the Withdrawal
                  Charge Basis for deduction of Contract expenses other than the withdrawal charge.
This means that upon a full withdrawal, if your Contract Value is less than your remaining Purchase Payments that are still
                    subject to a withdrawal charge we will assess a withdrawal charge on more than the amount withdrawn. This can occur because your Contract Value was reduced for:
–
deductions of Contract 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 total Purchase Payments
          adjusted for withdrawals under the Traditional Death Benefit.
Premium Tax
Premium tax is based on your state of residence at the time you
          make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase Payment, depending
          on the state or governmental entity. New York does not currently assess a premium tax.
Income Tax
Currently, we do not deduct any Contract related income tax we
          incur, although we reserve the right to do so in the future.
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Variable Option Expenses
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. The Variable Options' provided us with the expense information in this prospectus and we did not independently verify it.
7.
Access to
            Your Money
Your Contract Value is available under the following circumstances:
•
by taking
                  a withdrawal;
•
by taking
                  required minimum distributions (Qualified Contracts only) as discussed in "Minimum Distribution Program and Required Minimum Distribution (RMD) Payments" later in this section;
•
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 required minimum distributions.
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, 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 final 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).
•  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 once 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, surrenders, 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, partial withdrawal, surrender, 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, 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 next year. Purchase Payment withdrawals that are outside the
          six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. Required minimum distribution payments 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. 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;
•
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
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•
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 surrender your Contract and receive
          your total Contract Value (less the final product fee, and any applicable contract maintenance charge, and withdrawal charge). If you surrender your Contract on any day other than an Index Anniversary and you have Contract Value in the Index
          Options, we apply the Daily Adjustment to these Index Option Values before we deduct the final Contract fees and expenses.
Annuity Payments offer a guaranteed lifetime income stream with
          certain tax advantages and are designed for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.
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, and rider fee (if applicable) on the Annuity Date.
•
The age
                  of the Annuitant and any joint Annuitant on the Annuity Date.
•
The
                  gender of the Annuitant and any joint Annuitant where permitted.
•
The
                  Annuity Option you select.
•
Your Contract's interest rate (or current rates, if higher) and mortality table.
If the Annuity Date is not an Index Anniversary, Contract Value
          reflects the Daily Adjustment if you selected an Index Option. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payout 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.
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.
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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.
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
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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 Valuetotal Purchase Payments adjusted for withdrawals.
If the date we are determining the death benefit is not an Index
          Anniversary, the Contract Value reflects the Daily Adjustment. Withdrawals reduce your total Purchase Payments adjusted for withdrawals by the percentage of Contract Value withdrawn, determined at the end of each Business Day.
Withdrawals include all withdrawals (even Penalty-Free Withdrawals) and any withdrawal charges, but not amounts we withdraw for other Contract fees and expenses.
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 total Purchase Payments adjusted for withdrawals determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or
•
their portion of the 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 total Purchase Payments adjusted for withdrawals,
and the Traditional Death Benefit ends
. We allocate any Contract Value increase to the Allocation Options according to your Purchase Payment default instructions.
•
Upon your death your Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive each Beneficiary's Valid Claim.
The Traditional Death Benefit ends upon the earliest of the
          following.
•
The
                  Business Day before the Annuity Date.
•
The
                  Business Day that the total Purchase Payments adjusted for withdrawals and Contract Value are both zero.
•
Upon the
                  death of a Determining Life, the end of the Business Day we receive a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are different individuals and
                  die simultaneously.
•
Upon the
                  death of a Determining Life, the end of the Business Day we receive due proof of the Determining Life's death if you and the Determining Life (Lives) are different individuals and do not die simultaneously.
•
Upon the
                  death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.
•
The Business Day the Contract ends.
We base the 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.
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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. For Contracts issued
          or delivered in New York, if Option A is selected and we do not pay the claim within seven days, we pay interest on the death benefit amount beginning on the eighth calendar day at the greater of the current settlement rate which we declare
          annually, or 3%. You can contact our Service Center at the address or phone number listed at the back of this prospectus for information on the current settlement rate.
Spousal Continuation:
If the
            Beneficiary is the deceased Owner's spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For an IRA, Roth IRA, or SEP IRA Contract, spousal continuation
            can only occur if the surviving spouse is the Contract's sole primary Beneficiary. For non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct rollover to an IRA.
Spouses must
          qualify as such under federal law to continue the Contract.
Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered to be a marriage
            under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and
            the surviving spouse Beneficiary continues the Contract, at the end of the Business Day we receive his or her Valid Claim we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and the Traditional
            Death Benefit ends. We allocate any Contract Value increase to the Allocation Options according to Purchase Payment default instructions. If the surviving spouse continues the Contract:
•
he or she
                  becomes the new Owner and may exercise all of the Owner's rights, including naming a new Beneficiary or Beneficiaries;
•
he or she
                  is subject to any remaining withdrawal charge; and
•
upon the surviving spouse's death their Beneficiary(s) receive the Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.
Death Benefit Payment Options
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.
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.
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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.
•
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.
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•
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 once 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.
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.
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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 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
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•
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.
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.
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Additional Credits for Certain Groups
We may credit additional amounts to a Contract instead of modifying
          charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.
Administration/Allianz Service Center
The Allianz Service Center performs certain administrative services
          regarding the Contracts and is located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine customer services
          performed by our Service Center include processing and mailing of account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life 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.
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.
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Directors, Executive Officers and Corporate Governance
BOARD OF DIRECTORS
The Board currently consists of nine members, including our Chair
          and Chief Executive Officer, our President, our Chief Financial Officer and Treasurer, our Vice President, Appointed Actuary, three independent outside board members, and two other non-independent board members. Age and positions are provided as
          of December 31, 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 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.
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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.
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.
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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.
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
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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 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.
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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 to Allianz Life of New York with respect to our NY Principal Officers. Allianz Life's compensation programs are intended to align our NEOs' interests with those of our ultimate stockholder, Allianz SE, the ultimate parent
          company of Allianz Life and Allianz Life of New York. Allianz Life's compensation programs are designed to reward performance that meets or exceeds the goals established by the Compensation Committee, a management committee of Allianz Life.
          Allianz Life is tasked with establishing the executive compensation philosophy. In line with Allianz Life's compensation philosophy described below, the total compensation received by our NEOs will vary based on individual and corporate
          performance in light of annual and long-term performance goals. Our NEOs' total compensation is composed of a mix of annual base salary, annual cash awards based on corporate objectives and executive performance factors and long-term equity
          incentive awards in the form of restricted stock units of the equity securities of Allianz SE.
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Compensation Philosophy and
            Strategy
Overview
The overriding goal of Allianz Life's executive compensation
          programs is to attract, retain and motivate top-performing executive officers who will dedicate themselves to long-term financial and operational success. To this end, Allianz Life has structured the executive compensation programs to foster a
          pay-for-performance management culture by:
•
providing
                  total compensation opportunities that are competitive with the levels of total compensation available at the large diversified financial services companies with which Allianz Life most directly competes in the marketplace;
•
setting
                  performance metrics and objectives for variable compensation arrangements that reward executives for attaining both annual targets and long-term business objectives, thereby providing individual executives with the opportunity to earn
                  above-average compensation by achieving above-average results;
•
establishing

                  equity-based arrangements that align executives' financial interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success of its affiliates; and
•
structuring compensation packages and outcomes to foster internal pay equity.
Compensation Components
To support this pay-for-performance strategy, Allianz Life's total
          compensation program provides a mix of compensation components that bases the majority of each executive's compensation on their success and on an assessment of each executive's overall contribution to that success.
Compensation Element
Description
Objective
Base Salary
Fixed rate of pay that compensates employees for fulfilling their basic job responsibilities. For NEOs, increases are generally
                  provided in the case of a significant increase in responsibilities or a significant discrepancy versus the market.
Attract and retain high-caliber leadership.
Annual Incentive Plan
Incentive compensation that promotes and rewards the achievement of annual performance objectives through awards under the
                  Allianz Life Annual Incentive Plan ("AIP").
• Link compensation to annual performance results.
• Attract and motivate high-caliber leadership.
• Align the interests of NEOs and our stockholder.
Performance-Based Equity Incentives
Incentive compensation through restricted stock unit awards made under the Allianz Equity Incentive Plan ("AEI") that promotes
                  and rewards the achievement of long term performance objectives.
• Retain high-caliber leadership with multi-year vesting.
• Align the interests of NEOs and our stockholder.
Severance Arrangements
Severance payments to employees, including NEOs, under certain company-initiated termination events.
Compensate employees for situations where the employee's employment is involuntarily terminated in a qualifying termination of employment.
Perquisites-Benefits
Perquisites provided to our NEOs include employer matching contributions to the NEOs' accounts in the 401(k)
                  plan and may also include the payment of life insurance premiums, relocation reimbursements, and reimbursements for financial planning, tax preparation services, and spousal travel expenses.
Provide market competitive total compensation package.
In addition, Allianz Life offers all employees, including our NEOs,
          broad-based benefits, including comprehensive medical, dental and vision insurance, group term life insurance and participation in a 401(k) plan.
How Compensation Decisions
            Are Made
Role of the Board of Directors and Compensation Committee
The framework governing the executive compensation policies for
          Allianz Life, which directly compensates the executives of Allianz Life of New York, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of Allianz Life. Decisions
          affecting the compensation of the Chief Executive Officer
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are outside the scope of the Allianz Life Compensation Committee. Any such decisions
          are made by Allianz SE, subject to review by the Nomination, Evaluation and Compensation Committee of the Allianz Life Board of Directors (the "NEC Committee"), and final approval by Allianz Life's Board of Directors. With respect to the
          compensation of other "principal officers" selected by the Board for purposes of the duties of the NEC Committee under Minn. Stat. § 60D.20, subd. 3(d), the Compensation Committee's decisions are similarly subject to review by the NEC Committee
          and final approval by Allianz Life's Board. The "principal officers" include the Chief Executive Officer, Chief Financial Officer, and General Counsel. Allianz Life's Board has delegated the following responsibilities to the Compensation
          Committee:
•
In
                  general, establish the compensation philosophy and strategy of Allianz Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the principles of
                  ensuring that leadership is compensated effectively in a manner consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any applicable
                  regulatory bodies in order to attract and retain high-quality leadership. This responsibility includes periodic review of Allianz Life's compensation programs to pursue certain goals, with the expectation that changes will be made
                  periodically to ensure these goals are attained.
•
Review
                  and approve the establishment of, or material modification to, any executive incentive compensation plans or programs for Allianz Life.
•
Review
                  and approve any special benefits or perquisites in effect for, or offered to, any prospective, current or former Allianz Life employee, regardless of the employee's level or assignment within Allianz Life. Such benefits and perquisites
                  are those that are unusual or different from the benefits offered to all similarly-situated employees.
•
Review
                  and approve any employment agreements proposed to be made with any prospective or current employee of Allianz Life.
•
Review
                  and approve any individual severance agreement with any Allianz Life officer. This does not include an arrangement where the employee receives severance or incentive payments under existing terms of a broad-based benefit or compensation
                  plan.
•
Oversee Allianz Life's compliance with regulations with respect to compensation matters and adopt and monitor adherence to global and local process requirements and timelines, including those required
                  under the Corporate Rules (as defined under the Allianz Life Standard for Corporate Rules) mandated by Allianz SE.
The Compensation Committee will at all times be composed of at
          least three members who are appointed by the full Board of Directors of Allianz Life. The Compensation Committee currently consists of the following members: the Chair of the Board, the Chief Executive Officer, and the Chief Human Resources
          Officer. The Compensation Committee also utilizes internal personnel to provide advice to the Compensation Committee regarding market trends in compensation policies at competing companies and on a more macro level.
Following its review and decision, the Compensation Committee
          produces and submits a report on executive compensation to Allianz Life's Board of Directors at its request. With respect to the compensation of "principal officers" selected by Allianz Life's Board for purposes of the duties of the NEC Committee
          under Minnesota Statutes § 60D.20, subd. 3(d), the Compensation Committee produces and submits a report on executive compensation proposed for the designated "principal officers" to the NEC Committee for its review and recommendation to Allianz
          Life's Board for final approval.
Role of the Chief Executive Officer
Our Chief Executive Officer assists the Compensation Committee in
          its review of the total compensation of all the NEOs except 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;
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•
reviewing
                  executive compensation recommendations against appropriate market data and for internal consistency and equity; and
•
reporting to, and answering requests for information from, the Compensation Committee.
Allianz Life's Human Resources officers also coordinate and share
          information with their counterparts at Allianz SE.
Use of Competitive
            Compensation Data
Because Allianz Life competes most directly for executive talent
          with other large diversified financial services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides compensation
          opportunities that compare favorably with the levels of total compensation offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life relies primarily
          on external market surveys of corporate compensation and benefits published by various national compensation consulting firms, especially salary surveys focusing on insurance companies. In addition, other factors taken into account include the
          average revenues and number of employees of companies that participate in such surveys.
All these information sources are employed to measure and compare
          actual pay levels not only on an aggregate, total compensation basis, but also to break down the total compensation program component by component to review and compare specific compensation elements as well as the particular mixes of fixed
          versus variable, short-term versus long-term, and cash versus equity-based compensation at the surveyed companies. This information, as collected and reviewed by Allianz Life's Human Resources, is submitted to the Compensation Committee for
          review and discussion.
Internal Pay Equity Analysis
Allianz Life's compensation programs are designed with the goal of
          providing compensation to our NEOs that is fair, reasonable, and competitive. To achieve this goal, Allianz Life believes it is important to compare compensation paid to each NEO not only with compensation paid by the surveyed companies, as
          discussed above, but also with compensation paid to each of our other NEOs. Such an internal comparison is important to ensure that compensation is equitable among our NEOs.
Components of Total
            Compensation For Our NEOs
Allianz Life provides total compensation to our NEOs that consists
          of several components. These components include the three components of the total compensation program (i.e., base salary, annual incentives, and equity) as well as: (i) retirement, health, and other benefit programs; (ii) severance benefits; and
          (iii) perquisites.
Base Salary
Allianz Life's philosophy is to make base salary a relatively small
          portion of the overall compensation package for our NEOs, which Allianz Life believes is common in the industry in which we operate. The amount of the base salary awarded to NEOs is based on the position held, the NEO's tenure, the scope of the
          position's responsibilities, and the NEO's own performance, all of which are reviewed with the aid of market survey data. Using this data, Allianz Life maintains a 50th percentile pricing philosophy, comparing base salaries against the median for
          comparable salaries at surveyed companies, unless exceptional conditions require otherwise.
With respect to the base salary of our Chief Executive Officer, the
          Chair of the Board considered the Chief Executive Officer's experience, performance, and contribution to overall corporate performance when determining 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.
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AIP
Allianz Life offers annual cash bonuses to certain executive
          officers under the AIP. The AIP is designed to improve performance and profitability by motivating employees to accomplish organizational objectives and financial goals. Bonus awards that may be paid pursuant to the AIP are within the sole
          discretion of the Compensation Committee, and with respect to our CEO, the Chair of the Board, and are intended to:
•
reward
                  the performance of participants who have made significant contributions to the achievement of annual goals and objectives;
•
provide
                  an incentive that will encourage future superior individual performance; and
•
encourage the retention of employees who have demonstrated exceptional performance and/or are anticipated to significantly contribute to the long-term success of Allianz Life.
Following the performance year, the Compensation Committee approved
          a specific amount of cash awards to be made pursuant to the AIP to executive officers, including our NEOs, for the 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.
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."
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Other Compensation Policies
Tax and Accounting Implications
Stock-Based Compensation
.
          Stock-based compensation, comprised of Allianz SE restricted stock units (RSUs) granted pursuant to the AEI, are accounted for in accordance with the requirements of Financial Accounting Standards Board Accounting Standards Codification ("FASB
          ASC") Topic 718. The fair value of the RSUs at grant is the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on that day and the nine immediately
          preceding trading days, less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of payout restrictions deriving from the vesting period and the payout cap.
Recently Discontinued Compensation Programs
The purpose of the ALTPUP was to advance the interests of Allianz
          Life, including Allianz Life of New York, and our indirect stockholder. The ALTPUP sought to accomplish this purpose by providing an incentive in addition to current compensation to certain individuals within designated classes of employees of
          Allianz Life who contribute significantly to their company's long-term performance. Such incentive was in the form of Long-Term Performance Units ("ALTPUP Units"), which were contingent awards, subject to the terms, conditions, and restrictions
          described in the ALTPUP and the Award Agreement under which such awards were made, by which participants in the ALTPUP may have become entitled to receive cash on the payment date for redemption of the ALTPUP Units valued on the valuation date.
          The award of ALTPUP Units was discretionary. In March 2020, the Group Compensation Committee determined all Allianz entities would move forward with the Allianz SE long term incentive program or AEI. As a result, the ALTPUP program has been
          discontinued and provided a final grant in March 2020 for 2019 performance.
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.
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)
Stock
Awards
(e)
(1)
Non-Equity
Incentive Plan Compensation
(g)
All Other
Compensation
(i)
(2)
Total
(j)
Walter R. White
Chair and Chief Executive Officer
2020
$43,255
$79,689
$53,126
$1,386
$177,456
William E. Gaumond
Chief Financial Officer and Treasurer
2020
$23,444
$24,112
$16,075
$1,315
$64,946
(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)
Life Insurance
Premiums
Employer Match
to 401(k) Plan
ASAAP
Contribution
(4)
Total
Walter R. White
2020
$272
$46
$1,069
--
$1,386
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.
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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).
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)
Threshold ($)
(c)
Target ($)
(d)
Maximum ($)
(e)
Threshold ($)
(f)
Target ($)
(g)
Maximum ($)
(h)
Walter R. White
3/5/2021
RSUs (under AEI)
$0
$77,859
$385,402
AIP Award
$0
$51,906
$85,645
William E. Gaumond
3/5/2021
RSUs (under AEI)
$0
$25,320
$125,333
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
Number of RSUs
That Have Not
Vested
(g)
(1),(2)
Market Value of
RSUs That Have
Not Vested
(h)
(3)
Walter R. White
408.050
$99,295
351.500
$85,534
261.950
$63,743
304.850
$74,182
William E. Gaumond
72.600
$17,666
101.950
$24,809
76.900
$18,713
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 $243.34 per share, which was the arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor
                  system) on December 30, 2020 and the nine immediately preceding trading days, converted from Euros into U.S. dollars.
Allianz SE Option Exercises
            and Stock Grants Vested in 2020
The following table summarizes the value received from Allianz SE
          stock grants vested during the year ended December 31, 2020, and charged to Allianz Life of New York based on the Allocation Percentage assigned to each NEO.
Name
Stock Awards
Number of
Shares
Acquired
on Vesting (#)
Value Realized
on Vesting ($)
(1)
Walter R. White
504.850
112,954
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.
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.
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The remainder of our NEOs are eligible for severance payments under
          the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the 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
William E. Gaumond
$35,166
(1)
Mr. White
                  is not eligible to receive payments pursuant to the Executive Severance Plan. See "Allianz Life Executive Severance Agreement" for information regarding severance payments that Mr. White is eligible to receive upon termination of service.
Director Compensation
The following table provides information on compensation paid to
          the directors of Allianz Life of New York for the year ended December 31, 2020.
Name
(a)
Fees Earned or
Paid in Cash
($)
(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.
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(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 Credits for this Contract from
          our general account. We also pay benefits for other insurance contracts from our general account, and our general account is subject to claims by our creditors. Our ability to make payments from our general account is subject to our financial
          strength and claims-paying ability. The following risks relate to circumstances and events that may negatively affect our general account and, in turn, our financial strength and claims-paying ability.
Financial losses may threaten our financial strength and
          claims-paying ability.
As an Owner of the Contract, you do not share in the profits and
          losses generated by our business. However, if we were to experience significant losses, we might not have sufficient assets in our general account to satisfy all of our financial obligations under the Contract. Circumstances and events that may
          result in financial losses include, but are not necessarily limited to, the circumstances and events listed below. We cannot predict what specific impact that any of these circumstances or events may ultimately have on our financial strength or
          claims-paying ability.
•
Difficult
                  Economic Conditions.
Our financial condition is materially affected by conditions in the global capital markets and the economy generally. During an economic downturn, the demand for our financial
                    insurance products and services could be adversely affected. In addition, an economic downturn could cause the number and amount of surrenders and 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 surrenders and 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.
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•
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.
•
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,
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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.
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
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fixed-income and equity securities in our investment portfolio, changes in interest
          rates, and changes to existing RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that we must maintain.
          There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to maintain minimum
          capitalization requirements, our business may be subject to significant increases in supervision and control by the NYDFS.
Litigation and regulatory proceedings may negatively affect our
          financial strength and claims-paying ability.
We have been involved in various regulatory investigations and
          examinations, and we may be involved in more in the future. We may also be named as defendants in individual lawsuits in the future. These actions arise in various contexts, including in connection with our activities as an insurer, securities
          issuer, employer, investor, and taxpayer. Lawsuits and regulatory proceedings may involve significant amounts of damages (including punitive damages) or fines that we must pay, and certain regulatory authorities involved in regulatory proceedings
          have substantial power over our business operations. An adverse outcome in any lawsuit or regulatory proceeding that results in significant financial losses or operational burdens may negatively affect our financial strength and claims-paying
          ability.
Reinsurance may not be available or affordable, or may not be
          adequate to protect against harm to our financial strength and claims-paying ability.
As part of our overall risk management strategy, we purchase
          reinsurance for certain risks underwritten by our various business segments. While reinsurance agreements generally bind the reinsurer for the life of the business reinsured at generally fixed pricing, market conditions beyond our control can
          determine the availability and cost of the reinsurance protection for new business. If we are unable to purchase the desired amount of reinsurance protection on acceptable terms, our risk of loss may increase. As our risk of loss increases, so
          does the risk that we may not be able to meet our financial obligations.
Our hedging programs may be inadequate to protect against harm to our
          financial strength and claims-paying ability.
Certain types of insurance and investment products that we offer
          expose us to risks associated with fluctuations in financial markets. Although we use hedging techniques to manage risks associated with our insurance guarantees, increased volatility in the financial markets and unanticipated policyholder
          behavior may increase the cost of these hedges and/or negatively affect our ability to hedge certain risks. We may lose money on the derivatives that we hold as part of our hedging programs or otherwise. Ultimately, our hedging programs may be
          inadequate to protect us against the full extent of the exposure or losses we seek to mitigate, which in turn may negatively impact our financial strength and claims-paying ability.
Downgrades and potential downgrades to our claims-paying and
          financial strength ratings may signal a higher risk that we may be unable to meet our financial obligations, and may themselves negatively affect our financial strength and claims-paying ability.
Our claims-paying and financial strength ratings, which various
          ratings organizations publish as measures of an insurance company's ability to meet policyholder obligations, are important to maintaining public confidence in Allianz Life of New York and our products, and the ability to market our products and
          services. A downgrade or an announced potential downgrade 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 surrenders and 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.
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Risks Primarily Related to
            Our Business Operations
Breaches of security, or interference with our technology
          infrastructure, could harm our business.
Our business relies on technology systems and networks, including
          systems and networks managed by third parties to process, transmit and store information, and to conduct business activities and transactions with clients, distributors, vendors, and other third parties. We are also subject to certain federal and
          state regulations that require us to establish and maintain policies and procedures designed to protect sensitive client information. Maintaining the integrity of our systems is critical to the success of our business operations, including the
          retention of clients, and to the protection of our clients' personal information. To date, we have not identified any material breaches or interference with our systems and networks; however, we routinely encounter and address such threats,
          including an increasing frequency of phishing scams, introductions of malware and unauthorized payment requests. Any such breaches or interference by third parties or by our employees that may in the future occur could have a material adverse
          impact on our business operations and our financial condition.
We have implemented and maintain security measures designed to
          protect against breaches of security and other interference with systems and networks resulting from attacks by third parties, including hackers, and from employee error or malfeasance. We also require third party vendors who, in the provision of
          services to us, are provided with or process information pertaining to our business or our clients to meet certain information security standards. Changes in our technology platforms, such as an evolution to accommodate mobile computing, may also
          require corresponding changes in our systems, networks and data security measures. In addition, the increasing reliance on technology systems and networks and the occurrence and potential adverse impact of attacks on such systems and networks,
          both generally and in the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cyber-security threats. As these threats, and government and regulatory oversight of
          associated risks, continue to evolve, we may be required to expend additional resources to enhance or expand upon the security measures we currently maintain.
Despite the measures we have taken and may in the future take to
          address and mitigate these risks, we cannot ensure that our systems and networks will not be subject to breaches or interference. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss of
          our proprietary information or our clients' personal information, which in turn may result in legal claims, regulatory scrutiny and liability, reputational damage, the incurrence of costs to eliminate or mitigate further exposure, the loss of
          clients or other damage to our business. Any such event may interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. In addition, the trend toward broad consumer
          and general public notification of such incidents could exacerbate the harm to our business operations and our financial condition. Even if we successfully protected our technology infrastructure and the confidentiality of sensitive data, we may
          incur significant expenses in responding to any such attacks as well as the adoption and maintenance of appropriate security measures. We could also suffer harm to our business and reputation if attempted security breaches are publicized. We
          cannot be certain that advances in criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network break-ins or inappropriate access, or other developments will
          not compromise or breach the technology or other security measures protecting our networks and systems used in connection with our products and services.
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.
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In addition, we must develop, implement and maintain a
          comprehensive written information security program with appropriate administrative, technical and physical safeguards to protect such confidential information. If we do not properly comply with privacy regulations and protect confidential
          information, we could experience adverse consequences, including regulatory sanctions, such as penalties, fines and loss of license, as well as loss of reputation and possible litigation. This could have an adverse impact on our Company's
          reputation and business results.
Protection from system interruptions and operating errors is
          important to our business. If we were to experience a sustained interruption to our telecommunications or data processing systems or other failure in operational execution could harm our business operations and our business results.
Operating errors and system or network interruptions could delay
          and disrupt our ability to develop, deliver or maintain our products and services, causing harm to our business and reputation and resulting in loss of customers or revenue. Operating errors and system or network interruptions may also interfere
          with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Interruptions could be caused by operational failures arising from employee error or malfeasance, interference by
          third parties (including hackers and other cyber-attacks), implementation of new technology, and maintenance of existing technology. Our financial, accounting, data processing or other operating systems and facilities may fail to operate or
          report data properly, experience connectivity disruptions or otherwise become disabled as a result of events that are wholly or partially beyond our control, adversely affecting our ability to process transactions or provide products and services
          to customers. The cause of these interruptions can include fires, floods, earthquakes and other natural disasters, power losses, equipment failures, attacks by third parties, failures of internal or vendor software or systems and other events
          beyond our control.
In addition, we rely on third party service providers and vendors
          for certain communications, technology and business functions and face the risk of operational failure (including, without limitation, failure caused by an inaccuracy, untimeliness or other deficiency in data reporting), termination or capacity
          constraints of any of the clearing agents, exchanges, clearing houses or other third party service providers that we use to facilitate or are component providers to our transactions and other product manufacturing and distribution activities.
          These risks are heightened by the evolution in the financial markets of increasingly sophisticated products, by business-driven hedging, by compliance issues and by other risk management or investment or by financial management strategies. Any
          such failure, termination or constraint could adversely impact our ability to implement transactions, service our clients, manage our exposure to risk or otherwise achieve desired outcomes.
The occurrence of natural or man-made disasters and catastrophes
          could adversely affect our business operations and our business results.
The occurrence of natural or man-made disasters and catastrophes,
          including 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.
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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 surrenders, 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.
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 G of this prospectus have been so included in reliance on the report of PricewaterhouseCoopers LLP, an
          independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.
The financial statements of the subaccounts of Allianz Life of NY
          Variable Account C of Allianz Life Insurance Company of New York ("Variable Account C") as of December 31, 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 Post-Effective Amendment No. 14 to Variable Account C's Form N-4 filed with the SEC (File No. 333-192949), 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)
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
76
Table of Contents
15.
Table of
            Contents of the Form N-4 SAI
Allianz Life of New York as Custodian
3
Legal Opinions
3
Distributor
3
Administrative Service Fees
3
Federal Tax Status
4
Annuity Contracts in General
4
Taxation of Annuities in General
4
Qualified Contracts
4
Purchasing a Qualified Contract
6
Distributions-Qualified Contracts
6
Distributions-Non-Qualified Contracts
9
Required Distributions
9
Diversification
10
Owner Control
10
Contracts Owned by Non-Individuals
10
Annuity Purchases by Nonresident Aliens and Foreign Corporations
10
Income Tax Withholding
10
Multiple Contracts
11
Partial 1035 Exchanges
11
Assignments, Pledges and Gratuitous Transfers
11
Death Benefits
11
Spousal Continuation and the Federal Defense of Marriage Act (DOMA)
11
Federal Estate Taxes
12
Generation-Skipping Transfer Tax
12
Foreign Tax Credits
12
Possible Tax Law Changes
12
Annuity Payments
12
Annuity Payment Options
12
Appendix A – Death of the Owner and/or Annuitant
14
Appendix B – Allianz Life of NY Variable Account C Financial Statements
17
–
77
Table of Contents
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 – April 30, 2021
Appendix A
78
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 – April 30, 2021
Appendix A
79
Table of Contents
•
have any
                  responsibility or liability for the administration, management or marketing of Allianz Life of NY products.
•
consider the needs of Allianz Life of NY products or the owners of Allianz Life of NY products in determining, composing or calculating the EURO STOXX 50 or have any obligation to do so.
STOXX, Deutsche Börse Group and their licensors, research partners or
          data providers give no warranty, and exclude any liability (whether in negligence or otherwise), in connection with the Allianz Life of NY products or their performance.
STOXX does not assume any contractual relationship with the
          purchasers of Allianz Life of NY products or any other third parties.
Specifically,
•
STOXX,
                  Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, express or implied, and exclude any liability about:
•
The
                  results to be obtained by Allianz Life of NY products, the owner of Allianz Life of NY products or any other person in connection with the use of the EURO STOXX 50 and the data included in the EURO STOXX 50;
•
The
                  accuracy, timeliness, and completeness of the EURO STOXX 50 and its data;
•
The
                  merchantability and the fitness for a particular purpose or use of the EURO STOXX 50 and its data;
•
The
                  performance of Allianz Life of NY products generally;
•
STOXX,
                  Deutsche Börse Group and their licensors, research partners or data providers give no warranty and exclude any liability, for any errors, omissions or interruptions in the EURO STOXX 50 or its data;
•
Under no circumstances will STOXX, Deutsche Börse Group or their licensors, research partners or data providers be liable (whether in negligence or otherwise) for any lost profits or indirect, punitive,
                  special or consequential damages or losses, arising as a result of such errors, omissions or interruptions in the EURO STOXX 50 or its data or generally in relation to Allianz Life of NY products, even in circumstances where STOXX,
                  Deutsche Börse Group or their licensors, research partners or data providers are aware that such loss or damage may occur.
The licensing Agreement between Allianz Life of NY and STOXX is
          solely for their benefit and not for the benefit of the owners of Allianz Life of NY products or any other third parties.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix A
80
Table of Contents
Appendix B – Daily Adjustment
Generally
We designed the Daily Adjustment to provide an Index Option Value
          on Business Days other than the Index Effective Date or an Index Anniversary. The Daily Adjustment approximates the Index Option Value that will be available on the next Index Anniversary. It is the estimated present value of the future
          Performance Credit that we will apply on the next Index Anniversary. The Daily Adjustment takes into account:
(i)
any Index
                  gains during the Index Year subject to the applicable Cap,
(ii)
any Index
                  losses greater than the Buffer, and
(iii)
the number of days until the next Index Anniversary.
The Daily Adjustment formula has two primary components, (i) the
          change in Proxy Value and (ii) accumulated proxy interest, which are added together and then multiplied by the Index Option Base. We designed the Daily Adjustment to estimate the present value of positive or negative Performance Credit that will
          be available on the next Index Anniversary taking into account any applicable Buffer and Cap. You should note that even if your selected Index(es) experience positive growth, the Daily Adjustments may be negative because of other market
          conditions, such as the expected volatility of Index prices and interest rates. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer.
Daily Adjustment Formula
The formula for the calculation of the Daily Adjustment is as
          follows:
Daily Adjustment = [(a) change in Proxy Value + (b) proxy interest]
          x Index Option Base
Where:
(a)
change in
                  Proxy Value = (current Proxy Value – beginning Proxy Value)
(b)
proxy
                  interest = beginning Proxy Value x (1 – time remaining during the Index Year)
Calculating Change in Proxy Value
The change in Proxy Value represents the current hypothetical value
          of the Proxy Investment (current Proxy Value), less the cost of the Proxy Investment at the beginning of the Index Year (beginning Proxy Value).
The current Proxy Value is the Proxy Value calculated on the same
          day as the Daily Adjustment. The beginning Proxy Value is the Proxy Value calculated on the first day of the current Index Year.
The Proxy Value tracks three hypothetical derivative investments
          (call and put options) that we designed to mimic the market value of your allocation to an Index Performance Strategy or an Index Protection NY Strategy Index Option. We calculate a Proxy Value for each of your selected Index Options.
The Proxy Value involves tracking three hypothetical derivatives
          and is calculated using the following formula:
Proxy Value = (at-the-money call) –
          (out-of-the-money call) – (out-of-the-money put)
With respect to our Proxy Value formula, we designed the
          at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the Buffer . It is important to note that the out-of-the-money put
          will almost always reduce the Daily Adjustment, even when the current Index price on a Business Day is higher than the Index Value on the last Index Anniversary. This is because the risk that the Index Value could be lower on the next Index
          Anniversary is present to some extent whether or not the current Index price on a Business Day is lower than the Index Value on the last Index Anniversary.
Calculating Proxy Interest
The proxy interest is an amount of interest that is earned to
          provide compensation for the cost of the Proxy Investment at the beginning of the Index Year. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Index Year to zero. The formula for proxy
          interest involves the calculation of (i) the beginning Proxy Value and (ii) the time remaining during an Index Year. The time remaining during an Index Year is equal to the number of days remaining in the Index Year divided by 365. The proxy
          interest may be significantly different from current interest rates available on interest bearing investments.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix B
81
Table of Contents
Additional Information
You can find a more detailed explanation of the calculation of the
          Proxy Value, including examples, in Exhibit 99(a) of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This Exhibit is incorporated by reference into this prospectus. You can obtain a copy of Exhibit
          99(a) by calling (800) 624-0197, or visiting our website at www.allianzlife.com/new-york.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix B
82
Table of Contents
Appendix C – Historical Buffers and Initial and Renewal
          Caps
This information regarding the Buffers and initial and renewal Caps
          is for historical purposes only; it is not a representation as to future Buffers or Caps. Caps may change frequently, and may vary substantially based on market conditions.
Index Protection NY Strategy
The Index Protection NY Strategy first became available to newly issued Contracts on August 24, 2015. It is not available to Contracts issued before August 24, 2015,
                  or that have a Contract number starting with GAZ.
Following are the highest and lowest initial and renewal Caps
          offered for Index Effective Date periods occurring within each calendar year during August 24, 2015 (the date the Index Protection NY Strategy was first available) through January 4, 2021. During the periods shown below, the Buffer was 30.00% for
          each Index.
Index Effective Dates: 8/24/2015 – 1/4/2016
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.00%
5.75%
4.75%
7.00%
3.50%
6.00%
4.75%
6.50%
1st Anniversary Renewal Caps
4.75%
5.50%
5.25%
6.25%
4.50%
5.25%
5.25%
6.25%
2nd Anniversary Renewal Caps
4.00%
5.00%
4.25%
5.75%
4.00%
5.00%
5.75%
7.25%
3rd Anniversary Renewal Caps
5.25%
5.75%
5.25%
6.00%
5.50%
6.50%
8.75%
8.75%
4th Anniversary Renewal Caps
5.25%
6.00%
5.50%
6.25%
5.25%
6.25%
8.25%
9.25%
5th Anniversary Renewal Caps
7.75%
9.25%
8.75%
10.75%
9.00%
12.25%
8.50%
10.00%
Index Effective Dates: 1/5/2016 – 1/2/2017
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.75%
6.00%
5.25%
6.75%
4.50%
5.50%
5.25%
6.75%
1st Anniversary Renewal Caps
4.00%
5.00%
4.25%
5.75%
4.00%
5.00%
5.25%
7.25%
2nd Anniversary Renewal Caps
4.50%
6.00%
5.25%
6.50%
5.00%
6.50%
7.00%
9.25%
3rd Anniversary Renewal Caps
5.25%
6.00%
5.50%
6.25%
5.25%
6.25%
8.25%
10.00%
4th Anniversary Renewal Caps
5.50%
9.25%
5.50%
10.75%
5.50%
12.25%
8.00%
10.75%
Index Effective Dates: 1/3/2017 – 1/2/2018
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.25%
5.75%
5.00%
6.50%
4.25%
5.50%
5.25%
7.00%
1st Anniversary Renewal Caps
4.50%
6.25%
5.25%
6.50%
5.00%
6.75%
7.00%
10.00%
2nd Anniversary Renewal Caps
5.25%
6.75%
5.50%
6.75%
5.50%
7.00%
8.25%
10.25%
3rd Anniversary Renewal Caps
5.50%
10.25%
5.50%
11.50%
5.50%
12.25%
8.00%
11.00%
Index Effective Dates: 1/3/2018 – 1/1/2019
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
4.75%
7.50%
5.50%
7.75%
5.00%
8.00%
7.00%
15.75%
1st Anniversary Renewal Caps
5.25%
6.75%
5.50%
7.00%
5.50%
7.00%
8.50%
12.75%
2nd Anniversary Renewal Caps
5.50%
9.25%
5.50%
10.50%
5.50%
11.50%
7.25%
10.75%
Index Effective Dates: 1/2/2019 – 1/6/2020
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
6.25%
8.50%
6.25%
8.25%
6.25%
9.00%
9.25%
17.75%
1st Anniversary Renewal Caps
5.50%
9.50%
5.50%
10.00%
5.50%
11.50%
7.25%
14.75%
Index Effective Dates: 1/7/2020 – 1/4/2020
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
5.50%
10.25%
5.50%
12.00%
5.50%
13.50%
7.25%
11.00%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
83
Table of Contents
Index Performance Strategy
The Index Performance Strategy with the EURO STOXX 50
®
first became
                  available to newly issued Contracts on August 24, 2015. It is not available issued before August 24, 2015, or that have a Contract number starting with GAZ.
Following are the highest and lowest initial and renewal Caps
          offered for Index Effective Date periods occurring within each calendar year during July 1, 2014 (the date the Contracts were first issued), through January 4, 2021. During the periods shown below, the Buffer was 10.00% for each Index.
Index Effective Dates: 7/1/2014 – 1/5/2015
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
12.50%
13.50%
14.75%
15.75%
11.75%
13.00%
1st Anniversary Renewal Caps
10.50%
15.50%
13.50%
17.50%
9.75%
15.25%
2nd Anniversary Renewal Caps
10.75%
13.25%
13.75%
16.50%
10.75%
13.00%
3rd Anniversary Renewal Caps
9.25%
10.25%
12.00%
14.25%
10.00%
11.00%
4th Anniversary Renewal Caps
10.50%
12.00%
11.00%
13.00%
11.75%
14.25%
5th Anniversary Renewal Caps
10.50%
13.25%
12.25%
14.75%
11.50%
14.25%
6th Anniversary Renewal Caps
17.50%
20.25%
19.00%
24.00%
18.75%
23.75%
Index Effective Dates: 1/6/2015 – 1/4/2016
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
1
10.50%
15.50%
13.25%
17.50%
9.75%
15.25%
13.50%
17.50%
1st Anniversary Renewal Caps
2
10.75%
15.50%
13.75%
18.50%
10.75%
15.00%
13.75%
16.50%
2nd Anniversary Renewal Caps
3
9.25%
12.00%
12.00%
16.50%
9.50%
12.00%
22.00%
25.00%
3rd Anniversary Renewal Caps
4
9.25%
13.75%
11.00%
14.50%
10.75%
15.50%
24.00%
25.00%
4th Anniversary Renewal Caps
5
10.50%
13.25%
12.00%
14.75%
11.50%
15.00%
25.00%
26.50%
5th Anniversary Renewal Caps
6
11.75%
20.25%
12.25%
24.00%
11.75%
23.75%
25.50%
29.25%
1
The
                  initial Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2015 through January 4, 2016.
2
The 1st
                  Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2016 through January 4, 2017.
3
The 2nd
                  Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2017 through January 4, 2018.
4
The 3rd
                  Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2018 through January 4, 2019.
5
The 4th
                  Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2019 through January 4, 2020.
6
The 5th
                  Anniversary Renewal Caps for the EURO STOXX 50
®
are for a partial period of August 24, 2020 through January 4, 2021.
Index Effective Dates: 1/5/2016 – 1/2/2017
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
10.75%
15.50%
13.75%
18.50%
10.75%
15.00%
13.75%
18.50%
1st Anniversary Renewal Caps
9.25%
12.00%
12.00%
16.50%
9.50%
12.00%
13.50%
25.00%
2nd Anniversary Renewal Caps
9.25%
13.75%
11.00%
14.50%
10.75%
15.50%
24.00%
28.00%
3rd Anniversary Renewal Caps
10.50%
13.25%
12.00%
14.75%
11.50%
15.00%
25.00%
28.00%
4th Anniversary Renewal Caps
11.75%
20.25%
12.25%
24.00%
11.75%
23.75%
23.50%
29.25%
Index Effective Dates: 1/3/2017 – 1/2/2018
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
9.75%
14.50%
13.50%
18.50%
10.00%
14.00%
13.50%
25.50%
1st Anniversary Renewal Caps
9.25%
17.00%
12.00%
17.25%
10.75%
17.75%
24.00%
31.00%
2nd Anniversary Renewal Caps
10.75%
17.75%
12.00%
18.00%
11.50%
17.75%
25.50%
31.00%
3rd Anniversary Renewal Caps
11.75%
25.50%
12.25%
27.50%
11.75%
26.50%
23.50%
31.50%
Index Effective Dates: 1/3/2018 – 1/1/2019
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
11.50%
16.25%
14.25%
16.75%
12.00%
17.00%
24.00%
28.00%
1st Anniversary Renewal Caps
12.50%
16.00%
13.50%
17.75%
12.25%
16.50%
26.25%
28.00%
2nd Anniversary Renewal Caps
12.75%
22.50%
13.25%
25.75%
12.50%
26.25%
24.00%
29.50%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
84
Table of Contents
Index Effective Dates: 1/2/2019 – 1/6/2020
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
14.25%
17.25%
15.00%
17.75%
14.25%
18.50%
26.50%
29.00%
1st Anniversary Renewal Caps
13.75%
22.25%
14.00%
25.75%
13.50%
26.25%
25.00%
29.50%
Index Effective Dates: 1/7/2020 – 1/4/2021
Indexes:
S&P 500
®
Index
Russell 2000
®
Index
Nasdaq-100
®
Index
EURO STOXX 50
®
Caps
Lowest
Highest
Lowest
Highest
Lowest
Highest
Lowest
Highest
Initial Caps
13.75%
22.25%
14.00%
25.75%
13.50%
26.25%
25.00%
29.50%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
85
Table of Contents
Appendix D – Historical Index Option Performance
          Information
The following historical information, based on historical Buffers
          and Caps, show how actual movements in the external Index Returns impacted actual Performance Credits. They show the lowest and highest actual annual Index Returns for each time period, and the corresponding Performance Credits received for these
          Index Returns. No single Crediting Method or Index Option consistently delivers the most return under all market conditions. Past performance does not guaranteed future results. This historical information shows the returns for Contracts with
          Index Effective Date periods occurring within the first year that each Crediting Method was available using the S& P 500
®
Index. You can obtain
          more historical information for other time periods and other Index Options by contacting your Financial Professional.
INDEX PROTECTION NY STRATEGY WITH THE S&P 500
®
INDEX
The Index Protection NY Strategy was not available before August 24, 2015. The Buffer was 30% for all time periods. It is not available to Contracts issued before
                  August 24, 2015 or that have a Contract number starting with GAZ.
Index Effective Date
8/24/2015-
8/28/2015
9/1/2015-
10/5/2015
10/6/2015-
11/2/2015
11/3/2015-
11/30/2015
12/1/2015-
1/4/2016
1/5/2016-
2/1/2016
2/2/2016-
2/29/2016
Initial Cap
4.25%
4.00%
5.50%
5.75%
5.50%
5.00%
5.25%
1st Index Year Index Return
9.63% to
16.32%
7.21% to
15.39%
-0.29% to
9.13%
-1.00% to
6.98%
4.21% to
12.82%
12.51% to
22.44%
19.69% to
27.29%
1st Index Anniversary Credit
4.25%
4.00%
0% to
5.50%
0% to
5.75%
4.21% to
5.50%
5.00%
5.25%
1st Anniversary Renewal Cap
5.50%
4.75%
4.75%
4.75%
4.75%
4.50%
4.50%
2nd Index Year Index Return
12.10% to
12.69%
12.76% to
18.17%
17.61% to
22.97%
17.47% to
24.26%
17.65% to
20.59%
20.67% to
25.11%
12.48% to
21.10%
2nd Index Anniversary Credit
5.50%
4.75%
4.75%
4.75%
4.75%
4.50%
4.50%
2nd Anniversary Renewal Cap
4.75%
4.50%
4.75%
4.00%
5.00%
4.75%
4.50%
3rd Index Year Index Return
17.86% to
18.57%
13.07% to
17.16%
2.33% to
13.35%
1.37% to
7.60%
-12.38% to
5.72%
-7.97% to
-4.09%
-1.35% to
4.92%
3rd Index Anniversary Credit
4.75%
4.50%
2.33% to
4.75%
1.37% to
4.00%
0% to
5.00%
0%
0% to
4.50%
3rd Anniversary Renewal Cap
5.25%
5.25%
5.25%
5.50%
5.75%
5.75%
5.50%
4th Index Year Index Return
-0.95% to
0.13%
-1.23% to
4.05%
0.30% to
15.08%
11.00% to
19.03%
10.85% to
37.13%
20.04% to
27.32%
11.54% to
23.91%
4th Index Anniversary Credit
0% to
0.13%
0% to
4.05%
0.30% to
5.25%
5.50%
5.75%
5.75%
5.50%
4th Anniversary Renewal Cap
5.25%
5.75%
6.00%
6.00%
5.75%
5.75%
5th Index Year Index Return
19.21% to
21.47%
8.19% to
22.36%
7.54% to
19.15%
9.45% to
16.17%
14.00% to
18.84%
13.47% to
18.86%
5th Index Anniversary Credit
5.25%
5.75%
6.00%
6.00%
5.75%
5.75%
Index Effective Date
3/1/2016-
4/4/2016
4/5/2016-
5/2/2016
5/3/2016-
6/6/2016
6/7/2016-
7/4/2016
7/5/2016-
8/1/2016
8/2/2016-
9/5/2016
Initial Cap
6.00%
6.00%
5.50%
5.00%
5.50%
5.50%
1st Index Year Index Return
13.80% to
21.11%
11.30% to
15.36%
15.09% to
17.38%
14.85% to
20.94%
13.49% to
16.47%
10.91% to
14.86%
1st Index Anniversary Credit
6.00%
6.00%
5.50%
5.00%
5.50%
5.50%
1st Anniversary Renewal Cap
4.25%
4.25%
4.75%
4.75%
4.75%
4.75%
2nd Index Year Index Return
9.46% to
17.83%
10.23% to
15.65%
10.12% to
15.40%
11.29% to
14.51%
12.50% to
14.89%
14.11% to
18.57%
2nd Index Anniversary Credit
4.25%
4.25%
4.75%
4.75%
4.75%
4.75%
2nd Anniversary Renewal Cap
5.50%
5.50%
6.00%
5.50%
5.25%
5.25%
3rd Index Year Index Return
-0.12% to
11.05%
7.25% to
11.18%
-0.09% to
12.01%
3.72% to
10.42%
4.98% to
9.27%
-0.63% to
3.71%
3rd Index Anniversary Credit
0% to
5.50%
5.50%
0% to
6.00%
3.72% to
5.50%
4.98% to
5.25%
0% to
3.71%
3rd Anniversary Renewal Cap
5.50%
5.50%
5.25%
5.50%
5.75%
5.25%
4th Index Year Index Return
-21.63% to
12.08%
-8.16% to
-1.63%
-3.49% to
13.79%
3.56% to
12.50%
4.68% to
11.55%
12.37% to
22.36%
4th Index Anniversary Credit
0% to
5.50%
0%
0% to
5.25%
3.56% to
5.50%
4.68% to
5.75%
5.25%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix D
86
Table of Contents
Index Performance Strategy with the S&P 500
®
Index
The Buffer was 10% for all time periods.
Index Effective Date
7/1/2014-
8/4/2014
8/5/2014-
9/1/2014
9/2/2014-
10/6/2014
10/7/2014-
11/3/2014
11/4/2014-
12/1/2014
12/2/2014-
1/5/2015
1/6/2015-
2/2/2015
Initial Cap
13.00%
12.75%
12.75%
12.50%
13.50%
12.75%
11.75%
1st Index Year Index Return
3.98% to
8.98%
-6.52% to
9.35%
-5.10% to
0.97%
2.26% to
9.15%
-0.80% to
4.48%
-2.70% to
5.09%
-8.52% to
-0.62%
1st Index Anniversary Credit
3.98% to
8.98%
0% to
9.35%
0% to
0.97%
2.26% to
9.15%
0% to
4.48%
0% to
5.09%
0%
1st Anniversary Renewal Cap
10.50%
10.75%
10.50%
13.50%
15.50%
13.50%
12.50%
2nd Index Year Index Return
0.80% to
4.88%
3.65% to
16.32%
7.21% to
14.05%
-1.00% to
7.91%
-0.81% to
6.98%
5.40% to
12.81%
14.41% to
22.16%
2nd Index Anniversary Credit
0.80% to
4.88%
3.65% to
10.75%
7.21% to
10.50%
0% to
7.91%
0% to
6.98%
5.40% to
12.81%
12.50%
2nd Anniversary Renewal Cap
13.25%
13.00%
11.25%
10.75%
11.00%
11.25%
10.75%
3rd Index Year Index Return
13.49% to
15.60%
10.91% to
14.08%
12.75% to
17.98%
17.61% to
23.90%
17.47% to
24.26%
17.72% to
20.90%
20.67% to
25.34%
3rd Index Anniversary Credit
13.25%
10.91% to
13.00%
11.25%
10.75%
11.00%
11.25%
10.75%
3rd Anniversary Renewal Cap
10.25%
10.00%
9.25%
9.75%
9.50%
9.50%
9.75%
4th Index Year Index Return
11.70% to
15.09%
14.35% to
18.57%
13.14% to
17.53%
2.33% to
13.35%
1.96% to
8.62%
-12.38% to
5.72%
-7.97% to
-1.35%
4th Index Anniversary Credit
10.25%
10.00%
9.25%
2.33% to
9.75%
1.96% to
8.62%
-2.38% to
5.72%
0%
4th Anniversary Renewal Cap
10.75%
10.75%
10.50%
10.75%
10.50%
12.00%
12.50%
5th Index Year Index Return
-0.20% to
10.42%
-0.95% to
3.70%
-1.23% to
4.18%
0.30% to
15.08%
9.64% to
17.66%
10.85% to
37.13%
19.23% to
27.32%
5th Index Anniversary Credit
0% to
10.42%
0% to
3.70%
0% to
4.18%
0.30% to
10.75%
9.64% to
10.50%
10.85% to
12.00%
12.50%
5th Anniversary Renewal Cap
12.00%
10.50%
12.00%
12.50%
12.75%
13.25%
12.75%
6th Index Year Index Return
4.48% to
16.23%
14.38% to
21.47%
8.19% to
22.36%
7.62% to
20.29%
11.86% to
17.62%
13.59% to
18.84%
13.61% to
18.68%
6th Index Anniversary Credit
4.48% to
12.00%
10.50%
8.19% to
12.00%
7.62% to
12.50%
11.86% to
12.75%
13.25%
12.75%
Index Effective Date
2/3/2015-
3/2/2015
3/3/2015-
4/6/2015
4/7/2015-
5/4/2015
5/5/2015-
6/1/2015
6/2/2015-
7/6/2015
Initial Cap
12.00%
11.75%
11.00%
11.00%
10.75%
1st Index Year Index Return
-11.58% to
-6.17%
-5.43% to
0.64%
-3.00% to
0.63%
-4.13% to
-0.59%
-4.84% to
1.92%
1st Index Anniversary Credit
-1.58% to
0.00%
0% to
0.64%
0% to
0.63%
0%
0% to
1.92%
1st Anniversary Renewal Cap
13.25%
15.50%
15.50%
13.75%
12.50%
2nd Index Year Index Return
19.69% to
27.29%
13.80% to
19.55%
11.82% to
16.50%
15.09% to
17.38%
14.76% to
21.92%
2nd Index Anniversary Credit
13.25%
13.80% to
15.50%
11.82% to
15.50%
13.75%
12.50%
2nd Anniversary Renewal Cap
10.25%
12.00%
12.00%
10.50%
10.25%
3rd Index Year Index Return
12.99% to
17.56%
9.46% to
17.83%
10.86% to
15.21%
11.36% to
14.75%
11.40% to
14.71%
3rd Index Anniversary Credit
10.25%
9.46% to
12.00%
10.86% to
12.00%
10.50%
10.25%
3rd Anniversary Renewal Cap
9.25%
12.00%
11.50%
13.75%
11.75%
4th Index Year Index Return
0.51% to
3.77%
-0.12% to
11.18%
7.17% to
11.14%
0.36% to
9.72%
-0.09% to
10.42%
4th Index Anniversary Credit
0.51% to
3.77%
0% to
11.18%
7.17% to
11.14%
0.36% to
9.72%
0% to
10.42%
4th Anniversary Renewal Cap
13.25%
11.75%
10.75%
10.75%
11.00%
5th Index Year Index Return
6.67% to
23.91%
-20.05% to
12.08%
-8.16% to
-0.89%
-2.87% to
11.34%
3.27% to
13.79%
5th Index Anniversary Credit
6.67% to
13.25%
-10.05% to
11.75%
0%
0% to
10.75%
3.27% to
11.00%
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix D
87
Table of Contents
Appendix E – Annual Contract Fees Calculation Examples
Please note that these examples may differ from your actual results
          due to rounding.
On the Quarterly Contract Anniversary your annual product fee is
          1.25% and your Contract Value and Charge Base are $100,000. This Contract Value includes any Variable Option gains or losses and any Daily Adjustments or Performance Credits on the Index Options. During the quarter you make no additional Purchase
          Payments and take no withdrawals. We calculate the daily product fee amount for this quarter as follows:
(the Charge Base) x (annual product fee ÷ 365) = daily product fee
          amount, or:
$100,000 x (1.25% ÷ 365) = $3.42
If there are 89 days in the current quarter (which includes the
          next Quarterly Contract Anniversary), then the total quarterly product fee is:
(number of days in the current quarter) x (daily product fee amount),
          or:
89 x $3.42 = $304.79
On the next Quarterly Contract Anniversary we would deduct $304.79
          from the Contract Value. We first account for any gains/losses on the Variable Options and add any Daily Adjustments or Credits to the Index Option Values, then process any additional Purchase Payments and withdrawals, including deduction of 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 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 Credits to the Index Option Values. We would then process any additional Purchase Payments and any other withdrawals and set the
          Charge Base equal to this new Contract Value and begin computing the daily product fee for the next quarter on the next day.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix E
88
Table of Contents
Appendix F – Material Contract Variations by Issue Date
All material Issue Date variations in the Contract are disclosed in
          this Appendix. If you would like more information regarding Issue Date specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed at the back of this
          prospectus.
Crediting Method and/or Index Availability Restrictions
Crediting Method / Indexes
Availability Restrictions:
Index Protection NY Strategy
– For Contracts with a number starting with AV this first became available to newly issued Contracts on August 24, 2015.
– Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ.
EURO STOXX 50
®
– For Contracts with a number starting with AV this first became available to newly issued Contracts on August 24, 2015.
– Not available to Contracts issued before August 24, 2015, or if the Contract has a number starting with GAZ.
If a Crediting Method or Index is not available, you cannot allocate
          to it unless we make it available to you on a future Index Anniversary.
Certain Crediting Methods and/or Indexes also may not be available from all selling firms or from all Financial Professionals. Please
            consult with your Financial Professional for more information.
Automatic Performance Lock Availability Restrictions
Automatic Performance Locks are not available to Contracts issued
          before August 24, 2015, or that have a Contract number starting with GAZ.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix F
89
Table of Contents
Appendix

          G – Selected Financial Data and Statutory Financial Statements
Management's Discussion and Analysis of Financial Condition and
          Results of Operations (For the 12 month period ended December 31, 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 G have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent
          registered public accounting firm, given on the authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street, Suite 3400, Minneapolis, MN.
Allianz Index Advantage
®
New York Variable Annuity Prospectus – April 30, 2021
Appendix G
90
Table of Contents
Part I
Item 11(f).
Selected Financial Data
(dollars in thousands, unless otherwise stated)
The following table sets forth the Company's selected historical
              financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with "Management's Discussion and Analysis of Financial Condition
              and Results of Operations" and the Company's audited Statutory Financial Statements.
These historical results are not necessarily indicative of results to
              be expected for any future period.
Year ended December 31,
Selected income data
2020
2019
2018
2017
2016
Premium and annuity considerations*
$
431,944
376,919
306,832
275,425
250,086
Net investment income
18,028
19,866
23,273
34,421
42,598
Ceded reinsurance
                      reserve and expense adjustments
291
181
201
211
225
Fees from separate accounts
66,045
68,960
72,602
74,868
73,612
Other income
—
—
—
24
—
Total
                      income
516,308
465,926
402,908
384,949
366,521
Policyholder
                      benefits and surrenders
244,532
255,885
246,712
240,015
173,282
Change in aggregate reserves
1,842
2,503
(35,379)
4,740
(9,455)
General and
                      administrative and commission
56,875
52,630
43,506
41,569
40,116
Net transfers to separate accounts
186,015
134,980
107,721
60,857
104,150
Total
                      benefits and other expenses
489,264
445,998
362,560
347,181
308,093
Income tax expense (benefit)
1,280
(7,343)
(292)
3,333
104
Net realized
                      capital (loss) gain
(41,220)
(70,095)
7,217
(39,732)
(48,008)
Net (loss) income
$
(15,456)
(42,824)
47,857
(5,297)
10,316
Capital and
                      Surplus:
Change in unrealized capital (loss) gain
$
(1,845)
(8,937)
18,410
(21,209)
(5,276)
Other change in
                      capital & surplus
$
1,934
(649)
(15,579)
(2,565)
(1,669)
Net change in capital &
                      surplus
(15,367)
(52,410)
50,688
(29,071)
3,371
*Includes premiums
                      and annuity and supplementary contract considerations.
As of December 31,
Selected balance sheet data
2020
2019
2018
2017
2016
Total cash and invested assets
$
590,406
596,501
652,934
630,219
641.417
Investment income
                      due and accrued
4,744
4,921
5,270
7,101
13.772
Other admitted
                      assets
8,604
12,922
4,246
7,048
5.272
Separate account
                      assets
3,773,866
3,232,062
2,677,964
2,752,080
2,463.583
Total
                      admitted assets
4,377,620
3,846,406
3,340,414
3,396,448
3,124.044
Total policyholder
                      liabilities
490,011
487,107
484,136
524,125
517,924
Other liabilities
(42,226)
(44,099)
(45,390)
(52,815)
(59,593)
Separate account
                      liabilities
3,773,866
3,232,062
2,677,964
2,752,080
2,463,583
Total
                      liabilities
4,221,651
3,675,070
3,116,710
3,223,390
2,921,914
Total
                      capital and surplus
155,969
171,336
223,746
173,058
202,130
Selected Financial Data and Management's Discussion and
                  Analysis
Page 1 of 15
Item 11(h).
Management's Discussion and Analysis of Financial Condition and Results
              of Operations
The following discussion and analysis provides an assessment by
              management of the Company's financial condition as of December 31, 2020, compared with December 31, 2019, and its results of operations for each of the three years ended December 31, 2020, 2019, 2018, respectively. The information contained
              herein should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2020 and 2019 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated
              basis in accordance with Statutory Accounting Principles (SAP).
Forward-looking Statements
This report reviews the Company's financial condition and results of
              operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include "forward-looking statements" within the meaning of the Private Securities
              Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like "believe",
              "expect", "estimate", "project", "budget", "forecast", "anticipate", "plan", "will", "shall", "may", and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are
              cautioned not to place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.
Company Overview
The Company is a life insurance company domiciled in New York and is
              licensed to sell insurance products in six U.S. states and the District of Columbia. The Company primarily offers a portfolio of individual variable-indexed and variable annuities which are sold through licensed registered representatives
              contracted with a broker/dealer. The Company also maintains a legacy portfolio of individual fixed annuities, individual and group life policies, and individual and group accident and health policies, but does not actively issue new policies
              related to these products.
Allianz Life of New York is a wholly owned subsidiary of Allianz Life
              Insurance Company of North America (Allianz Life). Allianz Life is a wholly owned subsidiary of Allianz of America, Inc. (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE,
              the Company's ultimate parent, which is incorporated in Munich, Germany.
The Company has organized its principal operations into the following
              segments: Individual Annuities and Other.
Individual Annuities
The Individual Annuities segment provides tax-deferred investment
              growth and lifetime income opportunities for our customers through fixed, fixed-indexed, variable-indexed, and variable annuities. The "fixed" and "variable" classifications describe whether we or the contractholders bear the investment risk
              of the assets supporting the contract. Variable annuities allow the contractholder to make deposits into various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum
              accumulation benefits, guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be
              increased by additional deposits, bonus amounts, or other account crediting features. The income and accumulation benefits shift a portion of the investment risk from the contractholder back to the Company. The Company's variable annuity
              sales strategy has shifted to variable-indexed annuity products, which combines a separate account option with a general account option that is similar to a fixed-indexed annuity. Sales of the variable-indexed annuity have increased in recent
              years due to an industry shift from traditional variable products to hybrid annuities as well as the Allianz Index Advantage® New York Variable Annuity product being very competitive. Our Individual Annuity products are sold through
              independent distribution channels made up of registered representatives contracted with a broker dealer. As previously noted, we discontinued selling fixed annuity products and the block of business is in run-off, however, in-force volumes
              are material and thus reported within the Individual Annuities segment.
Other
The Other segment consists of individual term life, which is not
              material enough to break out in a separate segment, as well as closed blocks of life, long-term care (LTC), and Special Markets products. The Special Markets products include individual and group annuity and life products, including whole and
              term life insurance. Although Other products are part of the combined results, the Company does not allocate additional resources to these areas other than to maintain the operational support to its current customers.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 2 of 15
Income and expense allocation
We maintain segregated investment portfolios at the subsidiary level
              but do not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset
              disclosures by segment are not included herein.
Income and expense related to assets backing policyholder reserves are
              allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
              allocated to the segments based on required capital levels for each segment.
Basis of Presentation
The Statutory Financial Statements have been prepared in accordance
              with accounting practices prescribed or permitted by the New York State Department of Financial Services (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York for
              determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in NAIC
              SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S.
              GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements.
The preparation of Statutory Financial Statements in conformity with
              NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31, 2020, and 2019
              and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the
              estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
Adoption of New Financial Accounting Standards
See Note 3 – "Accounting Changes and Correction of Errors" of the
              Company's audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements.
Application of Critical Accounting Policies
Our accounting policies require management to make interpretative and
              valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently
              entails uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can
              be found in Note 2 of the accompanying Statutory Financial Statements and are summarized below.
Accounting for Investments
Investment valuation and presentation are determined to be in
              accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments.
Aggregate Reserves for Life Policies and Annuity
              Contracts
See Notes 10 through 12 of the audited Statutory Financial Statements
              for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.
Derivatives
See Note 2 and 5 of the audited Statutory Financial Statements for
              additional information regarding our derivatives and hedging instruments.
Reinsurance
See Note 9 of the audited Statutory Financial Statements for additional
              information regarding reinsurance agreements we have entered into to manage insurance risk as well as businesses we have exited.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 3 of 15
Income Taxes
See Note 7 of the audited Statutory Financial Statements for additional
              information regarding income tax estimates and assumptions.
Individual Annuities and Other
Based upon the significance of the Individual Annuities segment and its
              overall impact on the total results of operations, we only provided variance commentary at the total company level for the year ended December 31, 2020 compared to 2019 and year ended December 31, 2019, compared to 2018.
Total Results of Operations
Year ended December 31,
Increase
                      (decrease) and % change
Increase
                      (decrease) and % change
2020
2019
2018
2020 - 2019
2019 - 2018
Income:
Premium and annuity considerations*
$
431,944
376,919
306,832
$
55,025
14.6
%
$
70,087
22.8
%
Net
                      investment income
18,028
19,866
23,273
(1,838)
(9.3)
(3,407)
(14.6)
Ceded reinsurance reserve and
                      expense adjustments
291
181
201
110
60.8
(20)
(10.0)
Fees from
                      separate accounts
66,045
68,960
72,602
(2,915)
(4.2)
(3,642)
(5.0)
Other income
—
—
—
—
—
—
—
Total
                      income
516,308
465,926
402,908
50,382
10.8
63,018
15.6
Benefits and other expenses:
Policyholder

                      benefits and surrenders
244,532
255,885
246,712
(11,353)
(4.4)
9,173
3.7
Change in aggregate reserves
1,842
2,503
(35,379)
(661)
(26.4)
37,882
107.1
General
                      and administrative and commission
56,875
52,630
43,506
4,245
8.1
9,124
21.0
Net transfers to separate accounts
186,015
134,980
107,721
51,035
37.8
27,259
25.3
Total
                      benefits and other expenses
489,264
445,998
362,560
43,266
9.7
83,438
23.0
Pretax income (loss)
27,044
19,928
40,348
7,116
35.7
(20,420)
(50.6)
Income tax
                      expense (benefit)
1,280
(7,343)
(292)
8,623
117.4
(7,051)
NM●
Net realized capital (loss) gain
(41,220)
(70,095)
7,217
28,875
41.2
(77,312)
NM●
Net income
                      (loss)
$
(15,456)
(42,824)
47,857
$
27,368
63.9
%
$
(90,681)
(189.5)
%
Capital and Surplus:
Change in unrealized capital (loss) gain
$
(1,845)
(8,937)
18,410
$
7,092
79.4
%
$
(27,347)
(148.5)
%
Other change in capital &
                      surplus
1,934
(649)
(15,579)
2,583
398.0
14,930
95.8
Net change
                      in capital & surplus
$
(15,367)
(52,410)
50,688
$
37,043
70.7
%
$
(103,098)
(203.4)
%
*Includes premiums and annuity and
                      supplementary contract considerations.
●
Not meaningful.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 4 of 15
Selected Operating Performance Measures
Year ended December 31,
Increase
                      (decrease) and % change
Increase
                      (decrease) and % change
2020
2019
2018
2020 - 2019
2019 - 2018
Deposits
                      and gross premiums written:
Individual Annuities
$
425,561
371,966
298,637
$
53,595
14.4
%
$
73,329
24.6
%
Other
4,108
4,149
4,289
(41)
(1.0)
(140)
(3.3)
Total
$
429,669
376,115
302,926
$
53,554
14.2
%
$
73,189
24.2
%
In-force:
Individual

                      Annuities
$
3,990,425
3,613,848
3,101,165
$
376,577
10.4
%
$
512,683
16.5
%
Other
328,472
49,947
53,361
278,525
557.6
(3,414)
(6.4)
Total
$
4,318,897
3,663,795
3,154,526
$
655,102
17.9
%
$
509,269
16.1
%
Deposits and in-force amounts in the table above are for direct
              business. Deposits reflect amounts collected on both new and renewal business. Individual Annuities in-force represents account values for our annuity contracts. Other products in-force represent gross life insurance within the life and
              Special Markets products. The deposits increased within Individual Annuities year over year as a result of the continued growth of variable-indexed annuity sales due to competitive product features partially offset by lower traditional
              variable annuity sales the continued run-off of fixed annuities. The increase of in-force in the Individual Annuities segment is primarily driven by growth of the variable-indexed annuity sales and equity market increases resulting in higher
              contractholder account values. In-force within Other products increased due to the new term life policies which were initially marketed in 2020.
Change in Key Market Factors
Our Individual Annuities segment is impacted by various market impacts
              and movements which are summarized below:
Year ended December 31,
% change
2020
2019
2018
2020 - 2019
2019 - 2018
Stock Index
S&P
                      500
16.26%
28.88%
(6.24)%
(12.62)%
35.12%
NASDAQ 100
47.58%
37.96%
(1.04)%
9.62%
39.00%
Year ended December 31,
Basis point (bps) change
2020
2019
2018
2020 - 2019
2019 - 2018
Interest Rates
LIBOR 10
                      year
0.93%
1.90%
2.71%
(97) bps
(81) bps
LIBOR 20
                      year
1.32%
2.07%
2.83%
(75) bps
(76) bps
Year Ended December 31, 2020
Compared to
Year Ended December 31, 2019
Overview
The change in capital and surplus was
              unfavorable in 2020, but lower than 2019 due to hedging impacts as a result of equity market increases. Capital and surplus was also unfavorably impacted in 2020 by increases in asset adequacy reserves in the Individual Annuities segment and
              by a Premium Deficiency Reserves (PDR) related to LTC in the Other segment. Also impacting capital in surplus was a higher income tax expense compared to the prior year.
Income
•
Premium and annuity considerations
:
Premium and annuity considerations
              increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by competitive product features and a stronger sales focus compared to traditional variable annuity products in the Individual
              Annuities segment.
•
Net investment income:
Net investment income decreased
              primarily due to a decrease in average invested assets backing general account policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business. Assets supporting the general account decreased
              despite increased premiums because the significant products are in separate account.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 5 of 15
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased primarily due to the ceded expense allowance on the term life product.
•
Fees from separate accounts
: Fees from separate accounts decreased primarily due to lower M&E and benefit rider income from the
              effects of negative equity markets in early 2020, which resulted in lower average traditional variable annuity separate account assets in 2020. The decrease was partially offset by lower variable annuity surrenders.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
:
Policyholder benefits and surrenders
              decreased primarily due to a decrease in variable and fixed surrender benefits driven by policyholder activity.
•
Change in aggregate reserves:
Change in aggregate reserves was driven
              by higher variable-indexed premium and annuity considerations and additional asset adequacy reserves that were established for both the variable and fixed annuity lines of business as a result of annual cash flow testing. This is partially
              offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.
•
General and administrative and commission:
General and administrative
              and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production.
•
Net transfers to separate accounts:
Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium.
•
Income tax expense (benefit)
:
The pre-tax income expense in 2020 as
              compared to the pre-tax benefit in 2019 was driven by pre-tax income and hedging impacts.
•
Net realized capital (loss) gain:
Net realized capital losses are driven by fewer losses on derivatives hedging guarantees in our Individual Annuities segment due to less positive equity
              markets.
Capital and Surplus
•
Change in unrealized capital (loss) gain:
Unrealized capital losses are primarily due to losses on derivatives hedging guarantees in our Individual Annuities segment due to positive equity
              markets.
•
Other change in capital and surplus:
Other change in capital and surplus increase was driven by an increase in net deferred income taxes as a result of losses on derivatives hedging
              guarantees due to favorable equity market impacts.
Year Ended December 31, 2019 Compared to Year Ended December 31, 2018
Overview
The decrease in capital and surplus was primarily driven by realized
              losses due to hedging impacts, an increase in change in aggregate reserves driven by higher variable-indexed premium and annuity considerations, impacts due to favorable equity market performance, and the change in Premium Deficiency Reserves
              (PDR) related to LTC in the Other segment. This was partially offset by favorable variable-indexed annuity premiums which is partially offset by an increase in net transfers to separate accounts both due to an increase in new premiums.
Income
•
Premium and annuity considerations
: Premium and annuity considerations increased primarily due to the continued growth of the variable-indexed annuity product which was impacted by a sales promotion in 2019 and higher
              traditional variable annuity sales driven by market conditions in the Individual Annuities segment.
•
Net investment income:
Net investment income decreased primarily due to the sale of the Company's Interest Rate Swap (IRS) portfolio in March of 2018, which caused a decline in derivative instrument income
              as well as negative IMR amortization. In addition, there was a decrease in average invested assets backing policyholder liabilities as a result of the continued run-off of the Company's fixed annuity block of business.
•
Fees from separate accounts
: Fees from separate accounts decreased primarily due to lower M&E and benefit rider income from the effects of negative equity markets in late 2018, which resulted in lower average
              traditional variable annuity Separate Account assets in 2019. The decrease was also impacted by higher variable annuity surrenders.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders increased primarily due to an increase in variable surrender benefits driven by policyholder activity. This was partially offset by lower fixed
              surrenders.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 6 of 15
•
Change in aggregate reserves:
Change in aggregate reserves was driven by higher variable-indexed premium and annuity considerations and an increase in premium deficiency reserves related to the LTC line of business
              which is supported by the gross premium valuation which is conducted annually. This is partially offset by fixed annuity reserve decreases due to the continued run-off of the closed block of business.
•
General and administrative and commission:
General and administrative and commission increased primarily due to higher variable indexed-annuity commissions as a result of an increase in production.
•
Net transfers to separate accounts:
Net transfers to separate accounts increase is driven by new premium and policyholder withdrawals, and increased due to higher separate account premium.
•
Income tax expense (benefit)
: The higher income tax benefit in 2019 as compared to 2018 was driven by the timing of the increase in hedging losses.
•
Net realized capital gain (loss):
Net realized capital losses are driven by negative hedging results in our Individual Annuities segment due to increasing equity markets.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital losses are primarily due to negative hedging results in our Individual Annuities segment due to increasing equity markets.
•
Other change in capital and surplus:
Other change in capital and surplus increased to due change in nonadmitted assets driven by negative IMR and a change in accounting principle in 2018. This was partially offset by an
              increase in net deferred income taxes as a result of hedging losses due to favorable equity market impacts.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 7 of 15
The following tables provide the results of operations for the
              Individual Annuities and Other segments:
Individual Annuities
Segment Results of Operations
Year ended December 31,
Increase
                      (decrease) and % change
Increase
                      (decrease) and % change
2020
2019
2018
2020 - 2019
2019 - 2018
Income:
Premium and annuity considerations*
$
429,006
373,869
303,753
$
55,137
14.7
%
$
70,116
23.1
%
Net
                      investment income
14,100
16,813
20,651
(2,713)
(16.1)
(3,838)
(18.6)
Fees from
                      separate accounts
66,045
68,960
72,602
(2,915)
(4.2)
(3,642)
(5.0)
Other
                      income
—
—
—
—
—
—
—
Total
                      income
509,151
459,642
397,006
49,509
10.8
62,636
15.8
Benefits
                      and other expenses:
Policyholder benefits and
                      surrenders
241,717
254,424
245,151
(12,707)
(5.0)
9,273
3.8
Change in
                      aggregate reserves
(5,248)
(16,098)
(41,622)
10,850
67.4
25,524
61.3
General and administrative and
                      commission
55,706
51,799
42,982
3,907
7.5
8,817
20.5
Net
                      transfers to separate accounts
186,015
134,980
107,721
51,035
37.8
27,259
25.3
Total benefits and other
                      expenses
478,190
425,105
354,232
53,085
12.5
70,873
20.0
Pretax
                      income (loss)
30,961
34,537
42,774
(3,576)
(10.4)
(8,237)
(19.3)
Income tax expense (benefit)
1,465
(12,727)
(309)
14,192
111.5
%
(12,418)
NM●
Net
                      realized capital (loss) gain
(41,117)
(70,099)
1,593
28,982
41.3
(71,692)
NM●
Net income (loss)
$
(11,621)
(22,835)
44,676
$
11,214
49.1
%
$
(67,511)
(151.1)
%
Capital and
                      Surplus:
Change in unrealized capital (loss) gain
$
(1,873)
(9,089)
19,051
$
7,216
79.4
%
$
(28,140)
(147.7)
%
Other
                      change in capital & surplus
1,697
(629)
(13,134)
2,326
369.8
12,505
95.2
Net change in capital &
                      surplus
$
(11,797)
$
(32,553)
$
50,593
$
20,756
63.8
%
$
(83,146)
(164.3)
%
*Includes
                      premiums and annuity and supplementary contract considerations.
●
Not meaningful
Selected Financial Data and Management's Discussion and
                  Analysis
Page 8 of 15
Other
Segment Results of Operations
Year ended December 31,
Increase
                      (decrease) and % change
Increase
                      (decrease) and % change
2020
2019
2018
2020 - 2019
2019 - 2018
Income:
Premium and annuity considerations
$
2,938
3,050
3,079
$
(112)
(3.7)
%
$
(29)
(0.9)
%
Net
                      investment income
3,927
3,053
2,622
874
28.6
431
16.4
Ceded reinsurance reserve and
                      expense adjustments
291
181
201
110
60.8
(20)
(10.0)
Total
                      income
7,156
6,284
5,902
872
13.9
382
6.5
Benefits and other expenses:
Policyholder

                      benefits and surrenders
2,815
1,462
1,561
1,353
92.5
(99)
(6.3)
Change in aggregate reserves
7,090
18,601
6,243
(11,511)
(61.9)
12,358
197.9
General
                      and administrative and commission
1,168
830
524
338
40.7
306
58.4
Total benefits and other
                      expenses
11,073
20,893
8,328
(9,820)
(47.0)
12,565
150.9
Pretax (loss) income
(3,917)
(14,609)
(2,426)
9,820
67.2
(12,183)
(502.2)
Income tax expense (benefit)
(185)
5,384
17
(5,569)
(103.4)
5,367
NM●
Net
                      realized capital gain (loss)
(103)
4
5,624
(107)
NM●
(5,620)
(99.9)
Net income (loss)
$
(3,835)
(19,989)
3,181
$
16,154
80.8
%
$
(23,170)
(728.4)
%
Capital and
                      Surplus:
Change in unrealized capital gain
                      (loss)
$
28
152
(641)
$
(124)
(81.6)
%
$
793
123.7
%
Other
                      change in capital & surplus
237
(20)
(2,445)
257
NM●
2,425
99.2
Net change in capital &
                      surplus
$
(3,570)
(19,857)
95
$
16,287
82.0
$
(19,952)
NM●
●
Not meaningful
Financial Condition
Investment Strategy
Our investment strategy focuses on
              diversification by asset class. We seek to achieve economic diversification, while reducing overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
              diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
              estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our
              risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment
              portfolio with contractholder liability cash flows and duration.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 9 of 15
The following table presents the investment portfolio at December 31:
2020
2019
Carrying
                      Value
% of total
Carrying
                      Value
% of total
Bonds
$
572,795
97.0
%
$
554,866
93.0
%
Cash and cash
                      equivalents
16,637
2.8
41,013
6.9
Policy loans
143
—
329
0.1
Derivative assets
341
0.1
283
—
Receivables for
                      securities
490
0.1
10
0.0
Total
                      cash and invested assets
$
590,406
100.0
%
$
596,501
100.0
%
Bonds
Refer to Note 5 of the audited Statutory Financial Statements for
              information regarding the nature of our portfolio of bonds. The tables below set forth the NAIC Securities Valuation Office ("SVO") quality ratings for the Companies bond portfolio at December 31, 2020 and 2019.
2020
NAIC Classes
Fair Value
% of Total
Amortized
                      Cost
% of Total
1
$
401,626
63.4
%
$
370,754
64.7
%
2
216,459
34.2
188,559
32.9
Investment

                      grade
618,085
97.6
559,313
97.6
3
14,442
2.3
12,955
2.3
4
580
0.1
527
0.1
5
—
—
—
—
6
—
—
—
—
Below
                      investment grade
15,022
2.4
13,482
2.4
Total
$
633,107
100.0
%
$
572,795
100.0
%
2019
NAIC Classes
Fair Value
% of Total
Amortized
                      Cost
% of Total
1
$
377,821
63.8
%
$
357,536
64.4
%
2
211,076
35.6
194,083
35.0
Investment

                      grade
588,897
99.4
551,619
99.4
3
2,748
0.5
2,717
0.5
4
551
0.1
530
0.1
5
—
—
—
—
6
—
—
—
—
Below
                      investment grade
3,299
0.6
3,247
0.6
Total
$
592,196
100.0
%
$
554,866
100.0
%
Selected Financial Data and Management's Discussion and
                  Analysis
Page 10 of 15
Commercial Mortgage-backed
and

              Asset-backed Securities
Commercial mortgage-backed securities (CMBS) represent pools of
              commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC classes and vintage year as of December 31:
2020
NAIC Classes
% of total CMBS
Vintage
1
$
90,119
100.0
%
2020
$
2,472
2.7
%
2
—
—
2019
3,782
4.2
3
—
—
1
2018
8,107
9.0
4
—
—
2017
11,611
12.9
5
—
—
2016 and prior
64,147
71.2
6
—
—
$
90,119
100.0
%
$
90,119
100.0
%
2019
NAIC Classes
% of total
                      CMBS
Vintage
1
$
90,511
100.0
%
2019
$
1,542
1.7
%
2
—
—
2018
8,121
9.0
3
—
—
2017
11,629
12.8
4
—
—
2016
19,100
21.1
5
—
—
2015 and prior
50,119
55.4
6
—
—
$
90,511
100.0
%
$
90,511
100.0
%
Asset backed security (ABS) holdings consist primarily of aircraft
              leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or limits on these types of investments.
The following table summarizes our exposure to other ABS holdings by
              NAIC classes and vintage year as of December 31:
2020
NAIC Classes
% of total
                      other ABS
Vintage
1
$
142
100.0
%
2020
$
—
—
%
2
—
—
2019
—
—
3
—
—
2018
—
—
4
—
—
2017
—
—
5
—
—
2016 and prior
$
142
100.0
%
6
—
—
$
142
100.0
%
$
142
100.0
%
2019
NAIC Classes
% of total other ABS
Vintage
1
$
667
100.0
%
2019
$
—
—
%
2
—
—
2018
—
—
3
—
—
2017
—
—
4
—
—
2016
—
—
5
—
—
2015 and prior
667
100.0
6
—
—
$
667
100.0
%
$
667
100.0
%
Selected Financial Data and Management's Discussion and
                  Analysis
Page 11 of 15
Unrealized investment losses of bonds, for investment grade (NAIC
              classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December 31:
2020
Investment
                      Grade
% of Total
Below
                      Investment Grade
% of Total
Twelve months or
                      less below fair value
$
352
100.0
%
$
—
—
%
More than twelve
                      months below fair value
—
—
—
—
Total
$
352
100.0
%
$
—
—
%
2019
Investment
                      Grade
% of Total
Below
                      Investment Grade
% of Total
Twelve months or
                      less below fair value
$
80
90.9
%
$
—
—
%
More than twelve
                      months below fair value
—
—
8
9.1
Total
$
80
90.9
%
$
8
9.1
%
See Note 5 of the audited Statutory Financial Statements for additional
              disclosures in regards to unrealized investment losses of bonds, December 31.
Other-than-temporary impairments, by market sector, for impairments
              included in the Statements of Operations, were as follows at December 31:
2020
2019
Impairment
No. of
                      Securities
Impairment
No. of
                      Securities
Corporate
                      securities
$
1,484
4
$
48
1
Refer to Note 6 of the audited Statutory Financial Statements for
              information regarding the fair value and fair value hierarchy level of our financial instruments.
Liquidity and Capital Resources
Overview
The Company's liquidity requirements are generally met through funds
              provided by investment income, receipt of insurance premiums, M&E fees and benefit rider income, and maturities and sales of investments.
The Company does not utilize the capital markets as a source of
              capital. Should the need for capital arise, the Company may utilize its parent, Allianz Life, as an alternative source of funding. The Company has a line of credit agreement with its parent, Allianz Life, to provide liquidity to the Company,
              as needed. The Company's borrowing capacity under the agreement is limited to 5% of the Company's general account admitted assets as of the preceding year end. As of December 31, 2020 and 2019, there are no amounts outstanding under the line
              of credit agreement. In addition, if capital infusions are deemed necessary, the Company obtains prior approval by the Department, as appropriate.
The primary uses of funds are policy benefits, commissions, other
              product-related acquisition costs, investment purchases, and operating expenses. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations.
Financial Ratings and Strength
We received the following financial strength ratings as of December 31,
              2020:
•
AM Best    A+ (Superior)
•
S&P        AA (Very Strong)
The financial strength ratings are influenced by many factors including
              the operating and financial performance, asset quality, liquidity, asset/liability management, overall portfolio mix, financial leverage, and exposure to risks.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 12 of 15
Cash Flows
The cash flows of the Company for the years ended December 31, 2020,
              2019, and 2018 are summarized in the condensed table below:
Year ended December 31,
2020
2019
2018
Net cash provided by operating activities
$
38,478
28,664
38,823
Net cash used in
                      investing activities
(61,112)
(32,994)
(12,245)
Net cash (used in)
                      provided by financing and miscellaneous activities
(1,742)
(2,296)
2,316
Net (decrease) increase in cash and cash equivalents
$
(24,376)
(6,626)
28,894
We have the funds necessary to meet capital requirements in the state
              of New York and to support our operations.
The increase in net cash provided by
              operating activities in 2020 compared to 2019 is primarily due to an increase in premiums and a decrease in income taxes paid. This was partially offset by an increase in surrenders and annuity benefits, an increase in commissions and lower
              net investment income. Th
e decrease in net cash provided by operating activities in 2019 compared to 2018 is primarily due to
              higher commissions, an increase in surrenders and annuity benefits, and lower net investment income. This was partially offset by a decrease in income taxes paid and an increase in premiums.
The increase in cash flow used in investing
              activities in 2020 compared to 2019 was primarily driven by a net increase in bond purchases partially offset by derivative cash impacts. The inc
rease in cash flow used in investing activities in 2019 compared to 2018 was primarily driven by derivative cash impacts and partially offset by the net increase in bond purchases.
The decrease in cash provided by financing
              activities in 2020 compared to 2019 is primarily due to the change in payable from parent mostly offset by other miscellaneous activities. Th
e decrease in cash provided by financing activities in 2019 compared to 2018 is primarily due to the change in payable from parent.
Risk-Based Capital
See Note 15 of the audited Statutory Financial Statements for
              information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December 31, 2020 and 2019.
Statutory Surplus and Dividends
Statutory accounting practices prescribed or permitted by the Company's
              state of domicile are directed toward insurer solvency and protection of policyholders. Additionally, account balances and future policy benefit reserves calculated for statutory reporting do not include provisions for withdrawals.The Company
              is required to meet minimum statutory capital and surplus requirements. The Company's statutory capital and surplus as of December 31, 2020 and 2019 were in compliance with these requirements. The maximum amount of dividends that can be paid
              by New York insurance companies to stockholders without prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the
              accounting procedures and practices governing preparation of the statutory annual statement. In accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10%
              of its beginning-of-the year statutory surplus, or its net gain from operations of the insurer, not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends
              of $15,597 can be paid in 2021 without the approval of the Department. The Company paid no dividends and received no capital contributions in 2020, 2019 or 2018.
Commitments
The following table summarizes certain contractual obligations and the
              Company's expected commitments based on policyholder behavior assumptions by period as of December 31, 2020:
In 1 year
After 1 year
After 3 years
After
Total
or less
up to 3 years
up to 5 years
5 Years
Payments due
Policyholder

                      liabilities
$
711,326
67,220
93,708
75,454
474,944
Operating

                      leases
282
75
150
56
—
Total
                      payments due
$
711,608
67,295
93,858
75,510
474,944
Selected Financial Data and Management's Discussion and
                  Analysis
Page 13 of 15
Policyholder liabilities include estimated claim and benefit, policy
              surrender and commission obligations offset by expected future deposits and premiums on in-force insurance policies and investment contracts in the Individual Annuities and Other segments. We have excluded the separate account liabilities as
              these obligations are legally insulated from general account obligations and will be fully funded by cash flows from separate account assets. The obligations have not been discounted to present value. Estimated claim and benefit obligations
              are based upon mortality, morbidity and lapse assumptions comparable to historical experience. The results are based on assuming market growth and interest crediting consistent with other valuation assumptions. In contrast to this table, the
              majority of our obligations are recorded on the Balance Sheets at current account values or other prescribed measurements that are not directly related to liability cash flows. These obligations do not incorporate an expectation on future
              market growth, interest crediting, or future deposits. Therefore, due to the significance of the assumptions used, the amounts presented could materially differ from actual results. Operating leases include non-cancelable obligations on
              certain office space and equipment.
Contingencies
The Company is or may become subject to claims and lawsuits that arise
              in the ordinary course of business. In the opinion of management, the ultimate resolution of any such known litigation will not have a material adverse effect on the Company's financial position.
The Company is contingently liable for possible future assessments under regulatory
              requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.
The financial services industry, variable and fixed annuities, life insurance,
              distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.
Federal and state regulators, such as state insurance departments,
              state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning various selling
              practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is subject to ongoing market conduct examinations and investigations by
              regulators, which may have a material adverse effect on the Company.
Off-Balance Sheet Arrangements
The Company does not have any off-balance sheet transactions,
              arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company's liquidity or the requirements for capital resources.
The Company utilizes exchange-traded futures to economically hedge
              certain product liabilities. Under this kind of transaction, the Company agrees to purchase a specified number of contracts and settles the variation margin with the counterparty on a daily basis in an amount equal to the change in the market
              value of the underlying contracts from the close of the previous trading day. The parties with whom the Company enters into the exchange-traded futures contracts are regulated futures commission's merchants who are members of a trading
              exchange.
The Company is exposed to credit-related losses in the event of
              non-performance by counterparties under the terms of the futures contracts. The Company minimizes counterparty credit risk by establishing relationships only with counterparties rated BBB+ and higher. Given the credit ratings of the
              counterparties with which the Company transacts, the Company does not expect any counterparties to fail to meet their obligations. The Company has also executed Credit Support Annex (CSA) agreements with all active counterparties and requires
              a CSA from all new counterparties added to the Company's counterparty pool. The CSA agreements further limit the Company's counterparty credit risk by requiring the counterparty to post collateral to a segregated custodial account based on
              the net exposure to the Company.
As the Company's futures transactions are executed through a regulated
              exchange, positions are marked-to-market and settled on a daily basis, and collateral is posted prior to execution of a transaction. The Company has minimal exposure to credit-related losses in the event of non-performance. The Company is
              required to post collateral for any futures, options and swap contracts that are executed. The amount of collateral required is determined by the exchange on which the contract is traded. For 2020 and 2019, the Company posted U.S. Treasuries
              to satisfy this collateral requirement.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 14 of 15
Item 11(j).
Quantitative and Qualitative Disclosures about Market Risk
Market risk is the risk of the loss of fair value resulting from
              adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded.
              Reference Note 4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices.
Sensitivity Analysis
To assess the impact of changes in interest rate and equity markets, we
              perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our post-tax income, or fair value of an asset or liability, while holding all other rates or
              prices constant. To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 basis points (bps). To assess equity risk, we perform a sensitivity test which
              instantaneously shocks all equity prices by a hypothetical 15%.
Interest Rate Risk
One means of assessing exposure to interest rate changes is to measure
              the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in interest
              rates would cause our post-tax income to increase by $10,059 as of December 31, 2020.
We also examined the impact on after tax income due to a hypothetical
              decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $13,632 as of December 31, 2020. Note that
              the impacts referenced reflect the net of economic hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Equity Market Risk
One means of assessing exposure to changes in equity market prices is
              to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax
              income to increase by $5,982, while an increase in equity market prices would cause our post-tax income to decrease by $5,601 based on our equity exposure as of December 31, 2020. Note that the impacts referenced reflect the net of economic
              hedge impact and does not include economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Selected Financial Data and Management's Discussion and
                  Analysis
Page 15 of 15
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Financial Statements
December 31, 2020 and 2019
(With Report of Independent Auditors Thereon)
Report of Independent Auditors
To the Board of Directors of Allianz Life Insurance Company of New York:
We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of New York, which comprise the
              statutory statements of admitted assets, liabilities, and capital and surplus as of December 31, 2020 and 2019, and the related statutory statements of operations, capital and surplus, and of cash flow for the years then ended.
Management's Responsibility for the Financial Statements
Management is responsible for the preparation and fair presentation of the financial statements in accordance with the accounting
              practices prescribed or permitted by the New York State Department of Financial Services. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of
              financial statements that are free from material misstatement, whether due to fraud or error.
Auditors' Responsibility
Our responsibility is to express an opinion on the financial statements based on our audits. We conducted our audits in accordance
              with auditing standards generally accepted in the United States of America. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The
              procedures selected depend on our judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, we consider internal control relevant to
              the Company's preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company's
              internal control. Accordingly, we express no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluating
              the overall presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.
Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles
As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
              accounting practices prescribed or permitted by the New York State Department of Financial Services, which is a basis of accounting other than accounting principles generally accepted in the United States of America.
The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and
              accounting principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.
Adverse Opinion on U.S. Generally Accepted Accounting Principles
In our opinion, because of the significance of the matter discussed in the "Basis for Adverse Opinion on U.S. Generally Accepted
              Accounting Principles" paragraph, the financial statements referred to above do not present fairly, in accordance
1 of 42
with accounting principles generally accepted in the United States of America, the financial position of the Company as of December
              31, 2020 and 2019, or the results of its operations or its cash flows for the years then ended.
Opinion on Statutory Basis of Accounting
In our opinion, the financial statements referred to above present fairly, in all material respects, the admitted assets,
              liabilities and surplus of the Company as of December 31, 2020 and 2019, and the results of its operations and its cash flows for the years then ended, in accordance with the accounting practices prescribed or permitted by the New York State
              Department of Financial Services
described in Note 2.
/s/ PricewaterhouseCoopers LLP
Minneapolis, MN
April 2, 2021
2 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2020 and 2019
(Dollars in thousands, except share data)
Admitted Assets
2020
2019
Cash and invested
                      assets:
Bonds
$
572,795
554,866
Cash
                      and cash equivalents
16,637
41,013
Policy
                      loans
143
329
Derivative

                      assets
341
283
Receivables

                      for securities
490
10
Total
                      cash and invested assets
590,406
596,501
Investment income
                      due and accrued
4,744
4,921
Deferred tax
                      asset, net
6,487
4,307
Current federal
                      and foreign income tax recoverable
—
7,390
Other assets
2,117
1,225
Admitted

                      assets, exclusive of separate account assets
603,754
614,344
Separate account
                      assets
3,773,866
3,232,062
Total
                      admitted assets
$
4,377,620
3,846,406
3 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2020 and 2019
(Dollars in thousands, except share data)
Liabilities and Capital and Surplus
2020
2019
Policyholder
                      liabilities:
Life
                      policies and annuity contracts
$
413,759
419,693
Accident

                      and health policies
70,999
63,589
Deposit-type

                      contracts
4,956
3,604
Life
                      policy and contract claims
23
27
Accident

                      and health policy and contract claims
274
194
Total
                      policyholder liabilities
490,011
487,107
General expenses
                      due and accrued
761
485
Due from separate
                      accounts
(60,293)
(56,933)
Payable to parent
                      and affiliates
3,902
3,384
Current income
                      taxes
1,978
—
Asset valuation
                      reserve
7,496
5,601
Derivative
                      liabilities
—
—
Other liabilities
3,930
3,364
Liabilities,

                      exclusive of separate account liabilities
447,785
443,008
Separate account
                      liabilities
3,773,866
3,232,062
Total
                      liabilities
4,221,651
3,675,070
Capital and
                      surplus:
Common
                      stock, $10 par value. Authorized, issued, and outstanding 200,000 shares at December 31, 2020 and 2019
2,000
2,000
Additional

                      paid-in capital
72,500
72,500
Unassigned

                      surplus
81,469
96,836
Total
                      capital and surplus
155,969
171,336
Total
                      liabilities and capital and surplus
$
4,377,620
3,846,406
See accompanying
                      notes to statutory financial statements.
4 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Operations
Years ended December 31, 2020, 2019, and 2018
(Dollars in thousands)
2020
2019
2018
Income:
Premiums

                      and annuity considerations
$
428,499
375,015
301,715
Consideration

                      for supplementary contracts
3,445
1,904
5,117
Net
                      investment income
18,028
19,866
23,273
Commissions

                      and expense allowances on reinsurance ceded
291
181
201
Fees
                      from separate accounts
66,045
68,960
72,602
Total
                      income
516,308
465,926
402,908
Benefits and other
                      expenses:
Policyholder

                      benefits
34,640
33,083
26,024
Surrenders
209,892
222,802
220,688
Change
                      in aggregate reserves and deposit funds
1,842
2,503
(35,379)
Commissions

                      and other agent compensation
31,709
28,312
24,543
General

                      and administrative expenses
25,166
24,318
18,963
Net
                      transfers to separate accounts
186,015
134,980
107,721
Total
                      benefits and other expenses
489,264
445,998
362,560
Income from operations before income taxes and net realized capital
                        (loss) gain
27,044
19,928
40,348
Income tax expense
                      (benefit)
1,280
(7,343)
(292)
Net income from operations before net realized capital (loss)
gain
25,764
27,271
40,640
Net realized capital (loss) gain, net of taxes and interest maintenance
                        reserve
(41,220)
(70,095)
7,217
Net
                      (loss) income
$
(15,456)
(42,824)
47,857
See accompanying
                      notes to statutory financial statements.
5 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Capital and Surplus
Years ended December 31, 2020, 2019, and 2018
(Dollars in thousands)
2020
2019
2018
Capital
                      and surplus at beginning of year
$
171,336
223,746
173,058
Change in accounting principle, net of tax (Note 3)
—
—
3,191
Adjusted

                      balance at beginning of year
171,336
223,746
176,249
Net
                      (loss) income
(15,456)
(42,824)
47,857
Change
                      in unrealized capital (loss) gain
(1,845)
(8,937)
18,410
Change
                      in net deferred income tax
5,397
3,356
332
Change
                      in nonadmitted assets
(1,698)
(2,712)
(18,198)
Other
                      changes in capital and surplus
(1,765)
(1,293)
(904)
Capital

                      and surplus at end of year
$
155,969
171,336
223,746
See accompanying
                      notes to statutory financial statements.
6 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Statutory Statements of Cash Flow
Years ended December 31, 2020, 2019, and 2018
(Dollars in thousands)
2020
2019
2018
Cash flows from
                      operating activities:
Revenues:
Premiums

                      and annuity considerations, net
$
432,042
376,831
306,827
Net
                      investment income
21,039
22,640
26,144
Other
                      income
66,336
69,139
72,805
Total
                      cash provided by operating activities
519,417
468,610
405,776
Benefits

                      and expenses paid:
Benefit

                      and loss-related payments
242,416
254,810
245,902
Commissions,

                      expenses paid, and aggregate write-ins for deductions
56,583
52,455
42,993
Net
                      transfers to separate accounts
189,376
131,928
72,777
Income
                      tax (benefit received) paid , net
(7,436)
753
5,281
Total
                      cash used in operating activities
480,939
439,946
366,953
Net cash
                      provided by operating activities
38,478
28,664
38,823
Cash flows from
                      investing activities:
Proceeds

                      from investments sold, matured, or repaid:
Bonds
152,052
149,505
119,948
Miscellaneous

                      proceeds
374
1,006
758
Total
                      cash provided by investing activities
152,426
150,511
120,706
Cost
                      of investments acquired:
Bonds
171,141
100,701
123,799
Derivatives
42,397
82,804
9,152
Total
                      cash used in investing activities
213,538
183,505
132,951
Net cash
                      used in investing activities
(61,112)
(32,994)
(12,245)
Cash flows from
                      financing and miscellaneous activities:
Change
                      in payable to parent and affiliates
518
(1,308)
1,895
Other
(2,260)
(988)
421
Net cash
                      (used in) provided by financing and miscellaneous activities
(1,742)
(2,296)
2,316
Net (decrease) increase in cash and cash equivalents
(24,376)
(6,626)
28,894
Cash and cash
                      equivalents:
Beginning

                      of year
41,013
47,639
18,745
End of
                      year
$
16,637
41,013
47,639
See accompanying
                      notes to statutory financial statements.
7 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(1)
Organization and Nature of Operations
Allianz Life Insurance Company of New York (the
              Company) is a wholly-owned subsidiary of Allianz Life Insurance Company of North America (Allianz Life), which is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA). AZOA is a wholly-owned subsidiary of Allianz Europe, B.V., which
              is a wholly-owned subsidiary of Allianz SE. Allianz SE is a European company registered in Munich, Germany, and is the Company's ultimate parent.
The Company is a life insurance company licensed to
              sell annuity, group and individual life, individual long-term care (LTC), and group accident and health policies in six states and the District of Columbia. Based on statutory net premium written, the Company's business is predominately
              annuity. The annuity business consists of variable-indexed and variable annuities. The life business includes individual life and consists entirely of term life policies. Accident and health business consists principally of LTC insurance. The
              Company has discontinued selling fixed annuity and LTC products. The Company's primary distribution channel is through broker-dealers.
After evaluating the Company's ability to continue as
              a going concern, management is not aware of any conditions or events which raise substantial doubts concerning the Company's ability to continue as a going concern as of the date of filing these Statutory Financial Statements.
(2)    Summary of Significant Accounting Policies
(a)
Basis of
              Presentation
The Statutory Financial Statements have been prepared
              in accordance with accounting practices prescribed or permitted by the New York State Department of Financial Services (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of New York
              for determining and reporting the financial condition and results of operations of an insurance company and its solvency under New York insurance law. The state of New York has adopted the National Association of Insurance Commissioners
              (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of statutory accounting principles (SAP). The state of New York has also adopted certain prescribed accounting practices that differ from those found in
              NAIC SAP. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America
              (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial Statements. The more significant of these differences are as follows:
(1)    Acquisition costs, such as
              commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
              contracts are capitalized and charged to operations as the corresponding revenues or future profits are recognized.
(2)    Aggregate reserves for life
              policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.
(3)    Ceded reinsurance
              recoverable are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and
              Surplus. Under U.S. GAAP, these ceded reserves are presented on a gross basis as an asset.
(4)    Bonds are carried at values
              prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as "available-for-sale" are carried at fair value,
              with unrealized gains and losses recorded in stockholder's equity.
(5)    Changes in deferred income
              taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the deferred tax
              asset (DTA) and admittance
8 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
testing may result in an additional charge to capital
              and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.
(6)    The Company is required to
              establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are
              recorded as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses resulting from changes in the level of prevailing market interest rates and amortize them into income within the
              Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S. GAAP.
(7)    Certain assets designated
              as "nonadmitted assets" are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, furniture and fixtures, prepaid expenses, receivables
              outstanding greater than 90 days, negative IMR, and portions of DTAs. There is no such concept under U.S. GAAP.
(8)    A provision is made for
              amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement
              under U.S. GAAP.
(9)    Revenues for universal life
              policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
              administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.
(10)    Benefits for universal life
              policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits incurred
              in excess of the policyholder's contract balance.
(11)    Changes in the fair value
              of derivatives are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, changes in the fair value of
              derivatives are recorded in derivative income (loss) as part of operating income.
(12)    Commissions allowed by
              reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent
              recoverable.
(13)    The Statutory Financial
              Statements do not include a statement of comprehensive income as required under U.S. GAAP.
(14)    The Statutory Statements of
              Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.
(15)    The calculation of reserves
              and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.
(16)    Sales inducements and
              premium bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales
              inducements and premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.
9 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(17)    Negative cash balances are
              presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.
(18)    Embedded derivatives are
              not separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at
              fair value.
(19)    For variable-indexed
              annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities are required to be included as part of the Separate account assets and Separate account liabilities
              presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.
(b)    Permitted and Prescribed
              Statutory Accounting Practices
The Company is required to file annual statements
              with insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well
              as a variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and
              may change in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December 31, 2020, 2019, and 2018.
(c)    Use of Estimates
The preparation of Statutory Financial Statements in
              conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31,
              2020 and 2019, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ
              from the estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
(d)    Premiums and Annuity Considerations
Life premiums are recognized as income over the
              premium paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts
              or policies.
(e)    Aggregate Reserves for Life Policies and
              Annuity Contracts
Reserves are principally calculated as the minimum
              reserves permitted by the state where the contract is issued for the year in which the contract is issued.
For the Company's fixed annuity product lines,
              reserves are calculated using CARVM. The Company uses both issue year for fixed-indexed and change in fund basis for deferred fixed-interest annuities for the calculation method, on a continuous basis, using the maximum allowable interest
              rate. Deferred fixed-indexed and fixed-interest annuities only have a single-tier structure, which may include bonuses.
For the Company's variable and variable-indexed
              annuity product lines, reserves are calculated using NY Regulations 213, for guaranteed benefits with adequacy confirmed using stochastic scenario testing. Variable deferred annuities include a wide range of guaranteed minimum death benefits
              and living benefits (income, accumulation, and withdrawal).
Aggregate reserves for life insurance policies are
              principally calculated using the Commissioners Reserve Valuation Method (CRVM). Additional reserves are held for supplemental benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial
              guidelines.
10 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company performs an annual asset adequacy
              analysis as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth
              scenarios. Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in
              additional adequacy reserves recorded of $13,000 and $0 at December 31, 2020 and 2019, respectively. For the universal life business, the Department's Regulation 147 –
Valuation of Life Insurance Reserves
stand-alone
              asset adequacy analysis was performed, which resulted in establishing additional reserves of $100 as of December 31, 2020 and 2019, respectively.
(f)    Aggregate Reserves for
              Accident and Health Policies
For accident and health business, reserves consist of
              active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the present value of amounts not yet due). Claim reserves represent incurred but unpaid claims
              under group policies. For the LTC business, the Department's Regulation 56 –
Minimum Reserves for
              Individual Accident and Health Insurance Policies
stand‑alone asset adequacy analysis was performed through a gross premium
              valuation. The testing under the "sound value" requirements resulted in establishing additional reserves of $26,573 and $26,948 as of December 31, 2020 and 2019, respectively.
(g)    Deposit-type Contracts
Deposit-type contracts represent liabilities to
              policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have
              insurance risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(h)
Policy and Contract
              Claims
Policy and contract claims include the liability for
              claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company's accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
              liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
              resulting from disability income or LTC benefits include interest and mortality discounting.
(i)    Reinsurance
The Company cedes business to other insurers.
              Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers
              represent account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets
              on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(j)    Investments
Investment values are determined in accordance with
              methods prescribed by the NAIC.
Bonds
The Securities Valuation Office (SVO) of the NAIC
              evaluates the credit quality of the Company's bond investments. Bonds rated at "1" (highest quality), "2" (high quality), "3" (medium quality), "4" (low quality), or "5" (lower quality) are reported at cost adjusted for the amortization of
              premiums, accretion of discounts, and any impairment. Bonds rated at "6" (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory
              Statements of Capital and Surplus.
11 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
In accordance with its investment policy, the Company
              invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.
Loan-backed securities and structured securities are
              amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes
              these assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured
              securities, except impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments retrospectively. Any
              resulting adjustment is included in Net investment income on the Statutory Statements of Operations. For impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash flows, the effective
              yield is recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No. 43R –
Loan Backed and Structured Securities
(SSAP No. 43R).
Hybrid securities are investments structured to have
              characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
Gross realized gains and losses are computed based on
              the average amortized cost of all lots held for a particular CUSIP.
The fair value of bonds is obtained from third-party
              pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the Company's internal and
              external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the internal and external investment managers and reviews pricing for appropriateness. Results of the IPV process are reviewed by
              the Company's Pricing Committee.
Allianz Life reviews its entire combined investment
              portfolio, including the investment portfolios of the Company and all other subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary.
For bonds for which the fair value is less than
              amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a) the length of time and extent to which the fair value has been less than the amortized cost of the security; (b) changes in
              the financial condition, credit rating, and near-term prospects of the issuer; (c) whether the issuer is current on contractually obligated interest and principal payments; (d) changes in the financial condition of the security's underlying
              collateral, if any; and (e) the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related
              impairments are considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the
              investment managers to sell securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities.
Impairments considered to be other-than-temporary are
              recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
              potential offset by AVR and IMR.
Cash and Cash Equivalents
Cash and cash equivalents may include cash on hand,
              demand deposits, money market funds, and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.
12 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Policy Loans
Policy loans are supported by the underlying cash
              value of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of
              the cash surrender values of the related policies.
Receivables for Securities
Receivables and payables for securities are carried
              at fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in
              Receivables for securities and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(k)    Derivatives
The Company utilizes derivatives within certain
              actively managed investment portfolios for hedging purposes.
Futures and Options Contracts
The Company provides benefits through certain annuity
              products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
              over-the-counter (OTC) option contracts and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management monitors in-force amounts as well as
              option and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as deemed appropriate or take other
              actions.
The OTC option contracts are reported at fair value
              in Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be reasonable via
              performing an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models to
              calculate fair value prices for the derivatives. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements of Operations. The liability for the related policyholder
              benefits is reported in Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC option contracts is recognized as a direct adjustment to
              Unassigned surplus within the Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature (see Note 5 for further discussion).
Futures contracts do not require an initial cash
              outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
              variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the outstanding unpaid variation margin representing
              market movements on the last trading day of the year.
Gains and losses are not considered realized until
              the termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
              Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.
13 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
In 2018, NAIC SAP issued an update to SSAP No. 86 –
Derivatives
(SSAP No. 86) clarifying treatment of futures gains and losses, see Note 3 for further discussion.
Interest Rate Swaps and Total Return Swaps
The Company utilizes interest rate swaps (IRS) and
              total return swaps (TRS) also to economically hedge market risks embedded in certain annuities. IRS and TRS contracts are reported at fair value in Derivative assets or Derivative liabilities on the Statutory Statements of Admitted Assets,
              Liabilities, and Capital and Surplus. The fair value of the IRS are derived using a third-party vendor software program and deemed by management to be reasonable. Centrally cleared IRS fair values are obtained from the exchange on which they
              are traded. The fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on the swaps are recorded as a direct adjustment to Unassigned surplus within the
              Statutory Statements of Capital and Surplus. Gains and losses on exchange cleared IRS are recorded as unrealized until the contracts mature or are disposed at which time they are recorded as realized, subject to offset by IMR.
In March 2018, the Company changed its hedging
              strategy for certain variable annuities, which resulted in the sale of its IRS portfolio. See Note 5(f) for further details on the sale. As such, the Company does not have any IRS accounted for under SSAP No. 108,
Derivatives Hedging Variable Annuity Guarantees
.
(l)    Income Taxes
The Company files a consolidated federal income tax
              return with AZOA. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax allocation elections under the Internal Revenue Code (IRC)
              and its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company generally will be paid for the tax benefit of any of their tax attributes used by any member of the
              consolidated group.
The Company provides for federal income taxes based
              on amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
              deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted
              Assets, Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and
              circumstances regarding tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns.
              Information considered includes results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.
The Company utilizes the asset and liability method
              of accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing
              assets and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the state of New York.
              Changes in DTAs and DTLs, including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
14 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(m)    Separate Accounts
Separate account assets and liabilities are primarily
              funds held for the exclusive benefit of variable and variable-indexed annuity contract holders for which investment income and investment gains and losses accrue directly to and the investment risk is borne by contract holders. Separate
              account assets are reported at fair value in accordance with SSAP No. 56 –
Separate Accounts
(SSAP No. 56), with the exception of certain bonds, cash, cash equivalents, and investment income due and accrued. Certain assets that
              are allocated to the index options for the Allianz Index Advantage New York Variable Annuity (VIA) are invested in bonds and cash equivalents and carried at amortized cost in accordance with the product filing requirements in the state of New
              York.
Amounts due from separate accounts primarily
              represent the difference between the surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the
              surrender fee that would be paid to the Company upon the surrender of the policy or contract by the policyholder or contract holder as of December 31. Amounts charged to the contract holders for mortality and contract maintenance, and other
              administrative services fees are included in income within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the
              contract period and are recognized as revenue when assessed and earned. Transfers to (from) separate accounts within the Statutory Statements of Operations primarily includes transfers for new premium and annuity considerations, benefit
              payments, surrender charge wear-off, realized and unrealized investment gains/losses, investment income, and other contractholder behavior.
(n)
Receivables
Receivable balances approximate estimated fair
              values. This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90 days are
              nonadmitted on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(o)    Reclassifications
Prior year balances have not been reclassified to
              conform to the current year presentation.
(3)
Accounting Changes and Corrections of Errors
Accounting Changes
Variable-Indexed Annuity Basic
              Adjusted Reserve Calculation
In 2018, the Company changed its methodology used to
              calculate the Basic Adjusted Reserve for variable-indexed annuities to utilize the guaranteed cap instead of the projected index option. The prior period impacts of the methodology change were recorded in 2018 and resulted in a pre-tax
              decrease of $4,040 to Policyholder liabilities for Life policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The corresponding increase to surplus of $3,191 is recorded in
              Change in accounting principle, net of tax within the Statutory Statements of Capital and Surplus.
Recently Issued Accounting Standards – Adopted
in
2020
In 2016, the NAIC adopted revisions to SSAP No. 51R,
              Life Contracts and SSAP No. 54, Individual and Group Accident and Health Contracts, Issue Paper No. 154, Implementation of Principles-Based Reserving. These revisions relate to the adoption of the Valuation Manual and provides for principles
              based reserving for Life and Heath contracts. The Valuation Manual is part of the Department Regulation 213. Final adoption of the First Amendment to Regulation 213 was published February 2020 and provides the following revisions: 1) VM-20,
              Requirements for Principle-Based Reserves for Life Products, is effective January 1, 2020. However, an insurer may request a one-year delay in adopting this standard. The Company has an agreement with the Department that it will adopt
              Regulation 213 for life products in 2021. 2) VM-21, Requirements for Principle-Based Reserves for Variable Annuities, applies to business issued on or after January 1, 2017. Under VM-21, during 2017, 2018, and 2019, the Company elected to
15 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
combine contracts subject to Actuarial Guideline 43
              and VM-21 for purposes of calculating reserves. In 2019, the NAIC adopted revisions to both Actuarial Guideline 43 and VM-21, effective January 1, 2020. The implementation of the Regulation 213 revisions as of January 1, 2020 resulted in no
              change in reserves. The portion of the Standard reserve that was impacted with the implementation of Regulation 213 did not exceed the offsetting hedge component within the calculation after the changes, resulting in no impact to the reported
              reserve. The 2019 amendments to VM-21 allow an optional phase-in of the increase which the Company did not elect. 3) VM-22, Statutory Maximum Valuation Interest Rates for Income Annuities, VM-25, Health Insurance Reserves Minimum
              Requirements, and VM-26, Credit Life and Disability Reserve Requirements, are not applicable as the Company does not issue these contracts.
In August 2019, the NAIC adopted SSAP No. 22R,
              Leases. This revised standard is a substantive revision, reorganization, and clarification of SSAP 22. It adopts much of the language of US GAAP Accounting Standards Update (ASU) 2016-02, Leases, but retains operating lease accounting for
              Statutory accounting. It was effective January 1, 2020, with early adoption permitted. The Company adopted these revisions effective January 1, 2020. There was no impact on net income or surplus during the year ended December 31, 2020, as a
              result of adopting the revisions.
In March 2020, the NAIC adopted INT 20-01, Reference
              Rate Reform. The interpretation adopted the optional guidance outlined in ASU 2020-04, Reference Rate Reform, for a limited period of time to ease the potential burden on accounting for reference rate reform. The practical expedients outlined
              in the interpretation are for modifications solely related to reference rate reform and optionally suspends assessments for re-measuring a contract and de-designating a hedge relationship. This interpretation is effective on the date of
              adoption and expires on December 31, 2022. The Company adopted the optional guidance in this interpretation effective March 12, 2020. As of December 31, 2020, the Company has not made any modifications to financial assets or liabilities as a
              result of reference rate reform.
In April, May, June, and August 2020, the NAIC
              adopted and extended, the following interpretations (INT) in response to the COVID-19 pandemic:
•
INT 2020-02, Extension of 90-Day Rule for the Impact of COVID-19. This INT extends a one-time optional extension of the
              nonadmission assessment guidance for premiums and similar receivables due from policyholders or agents. For receivables that were current prior to the beginning of the declaration of a state of emergency by the U.S. federal government on
              March 13, 2020 or originated on or after March 13, 2020, insurers may continue to admit assets greater than 90 days past due. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020 financial statements and
              expired on December 30, 2020. This INT did not have a material impact to the Company.
•
INT 2020-03, Troubled Debt Restructuring Due to COVID-19. This INT follows the interagency COVID-19 guidance issued by federal and
              state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms do not result in troubled debt
              restructurings as long as the modification is in response to COVID-19, the borrower was current at the time of the modification, and the modification is short-term. In addition, insurers are not required to designate mortgage loans or bank
              loans with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this
              INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not have a material impact to
              the Company.
•
INT 2020-04, Mortgage Loan Impairment Assessment Due to COVID-19. This INT defers the impairment assessment for bank loans,
              mortgage loans, and investments which predominantly hold underlying mortgage loans and are impacted by forbearance or modifications in response to COVID-19. This INT is applicable for the March 31, 2020, June 30, 2020, and September 30, 2020
              financial statements and expired on December 30, 2020. This INT did not have a material impact to the Company.
16 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
•
INT 2020-05, Investment Income Due and Accrued. This INT provides temporary relief guidance for assessing the collectability of
              interest income, admissibility relief of accrued investment income 90 days past due, and clarifies how interest income should be recognized during a payment holiday. This INT is applicable for the June 30, 2020, and September 30, 2020
              financial statements and expired on December 30, 2020. This INT did not have did not have a material impact to the Company.
•
INT 2020-06, Participation in the 2020 TALF Program. This INT provides guidance for reporting Term Asset-Backed Securities Lending
              Facility (TALF) loans for the duration of the 2020 TALF program. This INT did not impact the Company as the Company did not participate in this program.
•
INT 2020-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provides temporary guidance by
              allowing practical expedients when assessing whether modifications made to debt securities (under SSAP No. 26R and SSAP No. 43R) due to COVID-19 are insignificant. Specifically, the guidance proposes restructurings in response to COVID-19 are
              considered to be insignificant if the restructuring results in a 10% or less shortfall amount in the contractual amount due and does not extend the maturity of the investment by more than 3 years. This INT was effective for the period
              beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on
              which the national emergency declared by the President terminates. This INT did not have a material impact to the Company.
•
INT 2020-08, COVID-19 Premium Refunds, Rate Reductions and Policyholder Dividends. This INT provides guidance for returns or
              benefits to policyholders. This INT did not impact the Company.
These INTs have an immaterial effect on the financial
              statements as of December 31, 2020. The Company will continue to monitor these INTs and assess impacts until they are nullified.
In May 2020, the NAIC adopted revisions to SSAP No.
              26R, Bonds, which provides clarifying guidance when assessing other than temporary impairments (OTTI) for debt instruments that have been previously modified pursuant to SSAP No. 36, Troubled Debt Restructuring, or SSAP No. 103R, Transfers
              and Servicing of Financial Assets and Extinguishments of Liabilities. The revisions to SSAP No. 26R state subsequent OTTI assessments for debt instruments modified under SSAP No. 36 or SSAP No 103 will be based on the modified contractual
              terms and not revert back to the original acquisition terms. These revisions were effective May 20, 2020 and were subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a
              result of adopting the revisions.
In November 2020, the NAIC adopted revisions to SSAP
              No. 43R, Loan-Backed and Structured Securities. The revisions reflect the updated NAIC designation category for residential and commercial mortgage-backed securities that utilize the financial modeling guidance. The revisions were effective
              November 12, 2020 and was subsequently adopted by the Company. There was no impact on net income or surplus during the year ended December 31, 2020, as a result of adopting the revisions.
Recently Issued Accounting
              Standards – Adopted in 2019
Not applicable.
Recently Issued Accounting
              Standards – Adopted in 2018
In 2017, the NAIC adopted revisions to SSAP No. 86.
              These revisions clarify that variation margin changes should not be recognized as "settlement" until the derivative contract has terminated and instead should be recognized as an adjustment to the carrying value of the derivative contract as
              a separate asset or liability. The revisions are effective January 1, 2018 with prospective application. Upon adoption, the Company reflected a prospective change in variation margin for all futures contracts as unrealized until sale,
              maturity, or expiration, resulting in a pre-tax decrease of $7,969 to net income and no impact to surplus for the year ended December 31, 2018.
17 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Corrections of Errors
The Company records correction of errors in
              accordance with SSAP No. 3 –
Accounting Changes and Correction of Errors
(SSAP No. 3). SSAP No. 3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported as an adjustment
              to capital and surplus in the period the error is detected. These errors are shown within Correction of errors, net of tax, on the Statutory Statements of Capital and Surplus.
(4)    Risk Disclosures
The following is a description of the significant
              risks facing the Company and how it attempts to mitigate those risks:
(a)    Credit Risk
Credit risk is the risk that issuers of fixed-income
              securities, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit losses.
The Company mitigates this risk by adhering to
              investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The
              Company considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The
              aggregate credit risk is influenced by management's risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.
For derivative counterparties, the Company mitigates
              credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and monitoring
              the credit default swaps (CDS) of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.
The Company executes Credit Support Annexes (CSA)
              with all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a
              clearinghouse thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.
(b)    Credit Concentration Risk
Credit concentration risk is the risk of increased
              exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
              jurisdiction) affecting credit.
The Company's Finance Committee, responsible for
              asset/liability management (ALM) issues, recommends an investment policy to the Company's Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset
              class. The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state
              statutes. Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently,
              the BOD review the investment policy at least annually.
To further mitigate this risk, internal concentration
              limits based on credit rating and sector are established and are monitored regularly by Allianz Life on a consolidated basis. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further purchases, and
              the excess exposure may be actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly concentration risk
              calculation to ensure compliance with the State of New York basket clause.
18 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(c)    Liquidity Risk
Liquidity risk is the risk that unexpected timing or
              amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual
              guarantees. Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be affected by the maturity of liabilities, the presence of
              withdrawal penalties, the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are cancelable.
The Company manages liquidity within four specific
              domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company's derivative dynamic economic hedging
              activities; and (4) establishing a liquidity facility with Allianz Life to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company's Risk Committee, and the Company monitors its
              liquidity risk regularly.
(d)    Interest Rate Risk
Interest rate risk is the risk that movements in
              interest rates or interest rate volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.
The Company has an ALM strategy to align cash flows
              and duration of the investment portfolio with policyholder liability cash flows and duration. Allianz Life monitors the economic and accounting impacts of interest rate sensitivities on assets and liabilities on a consolidated basis regularly
              and on the Company's specific basis periodically.
(e)    Equity Market Risk
Equity market risk is the risk that movements in
              equity prices or equity volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities.
Variable annuity products guarantee minimum payments
              regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products.
Allianz Life monitors the impacts of equity
              sensitivities on assets and liabilities on a consolidated basis regularly and on the Company's specific basis periodically.
Basis risk is the risk that variable annuity hedge
              asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company's inability to directly hedge the underlying investment options of the
              variable annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.
(f)    Operational

              Risk
Operational risk is the risk of loss resulting from
              inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment
              practices and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is
              comprehensively managed through a combination of core qualitative and quantitative activities.
The Operational Risk Management framework includes
              the following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) loss data capture to create transparency and
              gather information about losses that meet a designated threshold. Business owners are required to identify and resolve the root cause of
19 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
operational loss events; and (3) an integrated risk
              and control system, a bottom-up risk assessment process for significant operational risk scenarios, to proactively manage significant operational risk scenarios throughout the organization.
(g)    Regulatory Change Risk
Regulatory change risk is the risk that regulatory
              changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations.
The Company actively monitors all regulatory changes
              and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists to
              review, analyze, and implement new legislation as it is enacted.
(h)    Rating Agency Risk
Rating agency risk is the risk that rating agencies
              change their outlook or rating of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in these models and the impact
              that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant transactions on such
              capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency risk is also addressed in the TRA process and on an ad hoc basis as necessary.
(i)    Mortality/Longevity Risk
Mortality/longevity risk is the risk that mortality
              experience is different than the life expectancy assumptions used by the Company to price its products.
The Company mitigates mortality risk primarily
              through reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the
              review of life expectancy assumptions and experience in conjunction with active product management.
(j)    Lapse Risk
Lapse risk is the risk that actual lapse experience
              evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income.
The Company mitigates this risk by performing
              sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
              evolves. Policyholder experience is monitored regularly.
(k)    Cyber Security Risk
Cyber security risk is the risk of losses due to
              external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery
              measures including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular
              scanning of all servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access.
(l)    Reinsurance Risk
Reinsurance risk is the risk that reinsurance
              companies default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management.
20 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Reinsurance contracts do not relieve the Company from
              its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company.
The Company mitigates this risk by requiring certain
              counterparties to meet thresholds related to the counterparty's credit rating, exposure, or other factors. If the thresholds are not met by those counterparties, they are required to establish a trust or letter of credit backed by assets
              meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of credit are sufficient to support the ceded liabilities and that their terms are being met. Also, the Company reviews the
              financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to minimize its exposure to significant losses from reinsurer insolvencies regularly.
(5)    Investments
(a)    Bonds and Other Assets
              Receiving Bond Treatment
At December 31, the amortized cost, gross unrealized
              gains, gross unrealized losses, and fair values of investments are shown below:
2020
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                      government
$
100,155
2,304
352
102,107
States
                      and political subdivisions
7,010
1,299
—
8,309
Corporate

                      securities
323,878
47,863
—
371,741
Mortgage-backed

                      securities
141,752
9,198
—
150,950
Total
$
572,795
60,664
352
633,107
2019
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                      government
$
70,170
432
77
70,525
States
                      and political subdivisions
7,092
686
—
7,778
Corporate

                      securities
338,916
31,107
10
370,013
Mortgage-backed

                      securities
138,688
5,194
2
143,880
Total
$
554,866
37,419
89
592,196
At December 31, 2020 and 2019, the Company did not
              have NAIC-6 rated bonds.
At December 31, 2020 and 2019, the Company did not
              have any hybrid securities.
As of December 31, 2020 and 2019, investments with a
              statement value of $1,662 and $1,667, respectively were held on deposit as required by statutory regulations.
21 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The amortized cost and fair value of bonds and other
              assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December 31, 2020, by contractual maturity, are shown below:
Amortized cost
Fair value
Due in 1 year or
                      less
$
37,018
37,348
Due after 1 year
                      through 5 years
172,214
182,074
Due after 5 years
                      through 10 years
104,596
114,851
Due after 10 years
                      through 20 years
83,318
105,447
Due after 20 years
33,897
42,436
Loan-backed and
                      other structured securities
141,752
150,951
Total

                      bonds and other assets receiving bond treatment
$
572,795
633,107
Expected maturities will differ from contractual
              maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
Proceeds from sales of bonds includes sales,
              maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below:
2020
2019
2018
Proceeds from
                      sales
$
152,052
149,505
119,948
Gross gains
1,883
1,314
299
Gross losses
297
481
2,061
For the years ended December 31, 2020 and 2019, there
              were 15 and 7 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $735 and $212 for 2020 and 2019,
              respectively.
The Company's bond portfolio includes mortgage-backed
              securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.
(b)    Unrealized Investment Losses
To determine whether or not declines in fair value
              are other than temporary, Allianz Life performs a quarterly review of its entire combined investment portfolio, including the Company as their subsidiary, using quoted market prices by third-party sources. For further discussion, see Notes 2
              and 6.
Unrealized losses and the related fair value of
              investments held by the Company for the years ended December 31 are shown below:
2020
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                      government
$
19,941
352
—
—
19,941
352
Corporate

                      securities
4,000
—
—
—
4,000
—
Total
                      temporarily impaired securities
$
23,941
352
—
—
23,941
352
22 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
2019
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                      government
$
12,753
77
—
—
12,753
77
Corporate

                      securities
495
2
273
8
768
10
Mortgage-backed

                      securities
2,011
2
—
—
2,011
2
Total
                      temporarily impaired securities
$
15,259
81
273
8
15,532
89
As of December 31, 2020 and 2019, the number of bonds
              that were in an unrealized loss position was 4 and 6, respectively.
As of December 31, 2020 and 2019, of the total amount
              of unrealized losses, $352, or 100.0%, and $80, or 90.4%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized losses
              on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be received
              and does not consider these investments to be other-than-temporarily impaired.
(c)    Realized Investment Gains
              (Losses)
Net realized capital gains (losses) for the years
              ended December 31 are shown below:
2020
2019
2018
Bonds
$
101
784
(2,125)
Derivatives
(40,495)
(70,151)
(37,022)
Other
45
4
27
Total
                      realized capital losses
(40,349)
(69,363)
(39,120)
Income tax
                      (expense) benefit on net realized losses
(651)
(118)
335
Total
                      realized capital losses, net of taxes
(41,000)
(69,481)
(38,785)
Net gains (losses)
                      transferred to IMR, net of taxes
220
614
(46,002)
Net
                      realized (losses) gains, net of taxes and IMR
$
(41,220)
(70,095)
7,217
(d)    Net Investment Income
Major categories of net investment income for the
              years ended December 31 are shown below:
2020
2019
2018
Interest:
Bonds
$
20,529
21,636
22,183
Policy
                      loans
9
13
(12)
Cash,
                      cash equivalents, and short-term investments
245
686
779
Derivatives
(11)
—
990
Other
59
52
30
Gross
                      investment income
20,831
22,387
23,970
Investment
                      expenses
(1,239)
(974)
(691)
Net
                      investment income before amortization of IMR
19,592
21,413
23,279
Amortization of
                      IMR
(1,564)
(1,547)
(6)
Net
                      investment income
$
18,028
19,866
23,273
23 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(e)    Loan-Backed Securities
SSAP No. 43R requires the bifurcation of impairment
              losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the amortized cost
              basis of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.
The Company had no loan-backed securities with a
              recognized OTTI for the years ended December 31, 2020 and 2019.
(f)    Derivatives and Hedging
              Instruments
The Company does not have derivative contracts with
              financing premium. Derivatives held by the Company do not qualify for hedge accounting treatment.
In March 2018, the Company changed its hedging
              strategy for certain variable annuities, which resulted in the sale of its IRS portfolio. As a result of the sale, the Company recorded a realized loss of $56,161 that was offset by IMR of $44,367 and a tax benefit of $11,794. The sale
              resulted in a negative IMR balance that was reclassified to an asset and fully nonadmitted.
Futures and Options Contracts
OTC options are cleared through the Options Clearing
              Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures and OTC options are discussed in the
              derivative collateral management section below.
Total Return Swaps
The Company engages in the use of OTC TRS,
which allow the parties to exchange cash flows based on a variable reference rate such as the three-month LIBOR
              and the return of an underlying index.
The fair value of the collateral posted for OTC TRS is discussed in the derivative
              collateral management section below.
The following table presents a summary of the
              aggregate notional amounts and fair values of the Company's derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31:
2020
2019
Gross Fair Value
Gross Fair Value
Notional
(1)
Assets
Liabilities
Notional
(1)
Assets
Liabilities
OTC options
$
1,667
341
—
194,850
283
—
Futures
231,731
—
—
238,907
—
—
TRS
5,000
—
—
8,000
—
—
Total
                      derivative instruments
$
341
—
283
—
(1)
Notional amounts are presented on an absolute basis.
24 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Derivative Collateral Management
The Company manages derivative collateral for the
              general account and separate account combined and separate collateral for exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December 31, 2020 and 2019, had a fair value of $49,781 and $24,773,
              respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the exchange-traded collateral, but the collateral
              resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation. The Company had no collateral posted for OTC derivatives as of December 31, 2020 and 2019. The Company posts
              collateral to OTC counterparties based upon exposure amounts. The Company retains ownership of the OTC collateral.
(g)
Offsetting
              Assets and Liabilities
The Company elects to disclose derivative assets and
              liabilities eligible for offset under SSAP No. 64 –
Offsetting and Netting of Assets and Liabilities
on a gross basis on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with the provisions
              set forth in SSAP No. 86. This treatment is consistent with the Company's historical reporting presentation.
(h)
Restricted
              Assets
As of December 31, 2020, the Company had the following restricted
              assets, including assets pledged to others as collateral:
Gross Restricted
Percentage
Total general account
Total from prior year
Increase
                      (decrease)
Total current
                      year admitted restricted
Gross restricted to total assets
Admitted restricted to total admitted assets
On deposit with
                      states
$
1,662
1,667
(5)
1,662
—
%
—
%
Derivative
                      collateral
48,071
24,310
23,761
48,071
1.1
1.1
Total
                      restricted assets
$
49,733
25,977
23,756
49,733
1.1
%
1.1
%
(6)    Fair Value Measurements
SSAP No. 100R –
Fair Value
establishes a
              fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.
Level 1 –     Unadjusted quoted
              prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.
Level 2 –     Valuations derived
              from techniques that utilize observable inputs, other than quoted prices included in Level 1, which are observable for the asset or liability either directly or indirectly, such as:
(a)    Quoted prices for similar
              assets or liabilities in active markets.
(b)    Quoted prices for identical
              or similar assets or liabilities in markets that are not active.
(c)    Inputs other than quoted
              prices that are observable.
(d)    Inputs that are derived
              principally from or corroborated by observable market data by correlation or other means.
Level 3 –     Valuations derived
              from techniques in which the significant inputs are unobservable. Level 3 fair values reflect the Company's own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions
              about risk).
The Company has analyzed the valuation techniques and
              related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
              and investment class analysis, each financial asset and liability was classified into Level 1, 2, or 3.
25 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The following presents the assets and liabilities
              measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December 31:
2020
Level 1
Level 2
(a)
Level 3
Total
Assets

                      at fair value
Derivative

                      assets
$
—
341
—
341
Separate

                      account assets
2,273,066
319,099
—
2,592,165
Total
                      assets reported at fair value
2,273,066
319,440
—
2,592,506
Liabilities

                      at fair value
Separate

                      account derivative liabilities
—
194,296
—
194,296
Total
                      liabilities reported at fair value
$
—
194,296
—
194,296
(a)
The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2
                        within this table.
2019
Level 1
Level 2
(a)
Level 3
Total
Assets

                      at fair value
Derivative

                      assets
$
—
283
—
283
Separate

                      account assets
2,295,709
125,436
—
2,421,145
Total
                      assets reported at fair value
2,295,709
125,719
—
2,421,428
Liabilities

                      at fair value
Separate

                      account derivative liabilities
—
36,644
51,037
—
51,037
Total
                      liabilities reported at fair value
$
—
51,037
—
51,037
(a)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.
The following is a discussion of the methodologies
              used to determine fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a
              liability). The Company has not made changes to valuation techniques in 2020.
(a)    Valuation of Derivatives
Active markets for OTC options do not exist. The fair
              value of OTC options is derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic
              scenario calibrator, and the actual asset pricing calculator. The valuation results are reviewed by Management via the Pricing Committee. OTC options that are internally priced and IRS are included in Level 2, because they use market
              observable inputs. TRS are included in Level 3 because they use valuation techniques in which significant inputs are unobservable. The fair value of futures is based on quoted market prices and are generally included in Level 1.
Certain derivatives are priced using external
              third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. Using market observable inputs, IRS prices are derived from a third-party source and are independently recalculated internally and reviewed
              for reasonableness at the position level on a monthly basis. TRS prices are obtained from the respective counterparties. These prices are also
26 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
internally recalculated and reviewed for
              reasonableness at the position level on a monthly basis. The Company does not have insight into the specific inputs used by third-party vendors; however, the key unobservable input would generally include the spread.
(b)    Valuation of Separate
              Account Assets and Separate Account Derivative Liabilities
Separate account assets and Separate account
              derivative liabilities, with the exception of certain bonds, cash, cash equivalents and investment income due and accrued, are carried at fair value, which is based on the fair value of the underlying assets which are described throughout
              this note. Funds in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or specialty. Variable investment option funds are included
              in Level 1 because their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the general account (e.g., if the separate account
              invested in bonds, short-term investments and derivatives, that portion could be classified within Level 2 or Level 3).
Certain b
onds, cash and cash equivalents, along with related accrued investment income and receivables, carried at amortized
              cost within the separate account have an amortized cost of $1,181,701 and $810,917 as of December 31, 2020 and 2019, respectively, and a fair value of $1,267,749 and $843,261 as of December 31, 2020 and 2019, respectively. Separate account
              assets carried at amortized cost are included in the table in section 6(g) below.
(c)    Level 3 Rollforward
The following table provides a reconciliation of the
              beginning and ending balances for the Company's Level 3 assets and liabilities measured at fair value on a recurring basis:
January 1, 2020
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and
                      settlements
December 31, 2020
TRS asset
$
—
—
—
9,020
—
(9,020)
—
Total
                      Level 3 assets
—
—
—
9,020
—
(9,020)
—
TRS
                      liability
—
(8,366)
—
8,366
—
Total
                      Level 3 liabilities
$
—
—
—
(8,366)
—
8,366
—
January 1, 2019
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and
                      settlements
December 31, 2019
TRS asset
$
—
—
—
1,182
—
(1,182)
—
Total
                      Level 3 assets
—
—
—
1,182
—
(1,182)
—
TRS
                      liability
—
(1,827)
—
1,827
—
Total
                      Level 3 liabilities
$
—
—
—
(1,827)
—
1,827
—
(d)    Transfers
The Company reviews its fair value hierarchy
              classifications annually. Transfers between levels occur when there are changes in the observability of inputs and market activity.
For the years ended December 31, 2020 and 2019, the Company did not have
              any transfers into or out of Level 3.
(e)    Sensitivity of Fair Value
              Measurements to Changes in Unobservable Inputs
Derivative assets and liabilities:
The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have
              insight into the specific inputs used; however, the key unobservable input would generally include the spread. For a long position, a significant
27 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
increase (decrease) in the spread used in the fair
              value of the TRS in isolation could result in higher (lower) fair value. For a short position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.
(f)    Estimates
The Company has been able to estimate the fair value
              of all financial assets and liabilities.
(g)    Aggregate Fair Value of Financial
              Instruments
The following tables present the carrying amounts and
              fair values of all financial instruments at December 31
(b)
:
2020
Fair Value
Aggregate Fair
                      Value
Admitted Assets/
Carrying Value
Level 1
Level 2
Level 3
Financial

                      Assets
Bonds
$
633,107
572,795
102,107
531,000
—
Cash
                      equivalents
12,279
12,279
12,279
—
—
Derivative

                      assets
341
341
—
341
—
Separate
                      account assets
3,859,915
3,773,866
2,334,838
1,525,077
—
Financial

                      Liabilities
Deposit-type

                      contracts
$
6,056
4,956
—
—
6,056
Other
                      investment contracts
539,498
389,832
—
—
539,498
Separate
                      account liabilities
3,859,915
3,773,866
2,334,838
1,525,077
—
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                        addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.
2019
Fair Value
Aggregate Fair
                      Value
Admitted Assets/
Carrying Value
Level 1
Level 2
Level 3
Financial

                      Assets
Bonds
$
592,196
554,866
70,525
521,671
—
Cash
                      equivalents
43,050
43,050
43,050
—
—
Derivative

                      assets
283
283
—
283
—
Separate
                      account assets
3,264,406
3,232,062
2,320,888
943,518
—
Financial

                      Liabilities
Deposit-type

                      contracts
$
4,176
3,604
—
—
4,176
Other
                      investment contracts
519,727
397,644
—
—
519,727
Separate
                      account liabilities
3,264,406
3,232,062
2,320,888
943,518
—
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In
                        addition, the Company has no assets or liabilities for which it is not practicable to measure at fair value.
A description of the Company's valuation techniques
              for financial instruments not reported at fair value and categorized within the fair value hierarchy is shown below:
Valuation of Bonds
The fair value of bonds is based on quoted market
              prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard
              inputs are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in
              approximate order of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities
28 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Rulemaking Board reported trades, Nationally
              Recognized Municipal Securities Information Repository material event notices, broker-dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and industry and economic events. In some cases,
              including private placement securities and certain difficult-to-price securities, internal pricing models may be used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury rates are used to value
              private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted spread (OAS). CDOand
              certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have insight into the specific inputs; however, the key unobservable inputs would
              generally include default rates.
Generally, U.S. Treasury securities and
              exchange-traded stocks are included in Level 1. Most bonds for which prices are provided by third-party pricing sources are included in Level 2, because the inputs used are market observable. Bonds for which prices were obtained from broker
              quotes, certain bonds without active trading markets and private placement securities that are internally priced are included in Level 3.
Valuation of Cash Equivalents
Cash equivalents are comprised of money market mutual
              funds. The fair value of money market mutual funds are based on quoted market prices in active markets and included in Level 1.
Valuation of Deposit-Type Contracts
Fair values of deposit-type contracts are based on
              discounted cash flows using internal inputs, including the discount rate and consideration of the Company's own credit standing and a risk margin for actuarial inputs.
Valuation of Other Investment Contracts
Other investment contracts are included within Life
              policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may
              include life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company's
              own credit standing and a risk margin for market inputs.
Valuation of Separate Account Liabilities
The fair value of separate account liabilities
              approximates the fair value of separate account assets.
(7)    Income Taxes
(a)
Deferred
              Tax Assets and Liabilities
The components of the net DTA or net DTL are as
              follows:
December 31, 2020
Ordinary
Capital
Total
Total gross deferred tax assets
$
16,394
676
17,070
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
16,394
676
17,070
Deferred tax assets nonadmitted
(8,771)
—
(8,771)
Subtotal net admitted deferred tax assets
7,623
676
8,299
Deferred tax liabilities
(1,812)
—
(1,812)
Net admitted deferred tax assets
$
5,811
676
6,487
29 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
December 31, 2019
Ordinary
Capital
Total
Total gross deferred tax assets
$
11,500
10
11,510
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
11,500
10
11,510
Deferred tax assets nonadmitted
(5,083)
—
(5,083)
Subtotal net admitted deferred tax assets
6,417
10
6,427
Deferred tax liabilities
(2,120)
—
(2,120)
Net admitted deferred tax assets
$
4,297
10
4,307
Change
Ordinary
Capital
Total
Total gross deferred tax assets
$
4,894
666
5,560
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
4,894
666
5,560
Deferred tax assets nonadmitted
(3,688)
—
(3,688)
Subtotal net admitted deferred tax assets
1,206
666
1,872
Deferred tax liabilities
308
—
308
Net admitted deferred tax assets
$
1,514
666
2,180
The amount of admitted adjusted gross DTAs allowed under each component
              of SSAP No. 101 –
Income Taxes
(SSAP No. 101) as of December 31 are as follows:
December 31, 2020
Ordinary
Capital
Total
Federal
                      income taxes paid in prior years recoverable through loss carrybacks (11.a)
$
—
676
676
Adjusted gross DTAs expected to be realized after application of the
                        threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet
                        date (11.b.i.)
5,811
—
5,811
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
22,422
Lesser of 11.b.i or 11.b.ii
5,811
—
5,811
Adjusted gross DTAs offset by gross DTLs (11.c)
1,812
—
1,812
Deferred tax assets admitted
$
7,623
676
8,299
December 31, 2019
Ordinary
Capital
Total
Federal
                      income taxes paid in prior years recoverable through loss carrybacks (11.a)
$
—
10
10
Adjusted gross DTAs expected to be realized after application of the
                        threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet
                        date (11.b.i.)
4,297
—
4,297
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
25,054
Lesser of 11.b.i or 11.b.ii
4,297
—
4,297
Adjusted gross DTAs offset by gross DTLs (11.c)
2,120
—
2,120
Deferred tax assets admitted
$
6,417
10
6,427
30 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Change
Ordinary
Capital
Total
Federal income
                      taxes paid in prior years recoverable through loss carrybacks (11.a)
$
—
666
666
Adjusted gross DTAs expected to be realized after application of the
                        threshold limitations
Lesser of 11.b.i or 11.b.ii:
Adjusted gross DTAs expected to be realized following the balance sheet
                        date (11.b.i.)
1,513
—
1,513
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
(2,632)
Lesser of 11.b.i or 11.b.ii
1,513
—
1,513
Adjusted gross DTAs offset by gross DTLs (11.c)
(308)
—
(308)
Deferred tax assets admitted
$
1,205
666
1,871
Ratios used for threshold limitation as of December 31
              are as follows:
December 31
2020
2019
Change
Ratio
                      percentage used to determine recovery period and threshold limitation amount
1,028
%
1,467
%
(439)
%
Amount of
                      adjusted capital and surplus used to determine recovery period threshold limitation
$
149,483
167,029
(17,546)
Impact of tax planning strategies on the
              determination of net admitted adjusted gross DTAs is as follows:
December 31, 2020
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted
                        adjusted gross DTAs)
—
%
—
%
—
%
December 31, 2019
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted
                        adjusted gross DTAs)
—
%
—
%
—
%
Change
Ordinary
Capital
Total
Net admitted adjusted gross DTAs - (percentage of total net admitted
                        adjusted gross DTAs)
—
%
—
%
—
%
The Company's tax planning strategies do not include
              the use of reinsurance.
(b)
Unrecognized

              Deferred Tax Liabilities
There are no temporary differences for which DTLs are
              not recognized.
(c)
Current and
              Deferred Income Taxes
The significant components of income taxes incurred
              (i.e. Current income tax expense) include:
31 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
December 31
2020
2019
2018
2020-2019 Change
2019-2018 Change
Current
                      year federal tax expense (benefit) - ordinary income
$
1,280
(7,343)
(292)
8,623
(7,051)
Current
                      year foreign tax expense (benefit) - ordinary income
—
—
—
—
—
Subtotal
1,280
(7,343)
(292)
8,623
(7,051)
Current
                      year tax expense (benefit) - net realized capital gains (losses)
652
118
(335)
534
453
Federal
                      and foreign income taxes incurred
$
1,932
(7,225)
(627)
9,157
(6,598)
DTAs and DTLs consist of the following major
              components:
December 31
Deferred tax
                      assets
2020
2019
Change
Ordinary:
Deferred

                      acquisition costs
$
2,879
2,539
340
Policyholder

                      reserves
12,294
8,168
4,126
Expense
                      accruals
1
1
—
Investments
1,216
745
471
Nonadmitted

                      assets
4
47
(43)
Subtotal
16,394
11,500
4,894
Nonadmitted

                      ordinary deferred tax assets
(8,771)
(5,083)
(3,688)
Admitted
                      ordinary tax assets
7,623
6,417
1,206
—
Capital:
—
Impaired

                      assets
676
10
666
Subtotal
676
10
666
Admitted
                      capital deferred tax assets
676
10
666
Admitted
                      deferred tax assets
$
8,299
6,427
1,872
December 31
Deferred tax
                      liabilities
2020
2019
Change
Ordinary:
Investments
$
(255)
(231)
(24)
Policyholder

                      reserves
(1,551)
(1,862)
311
Deferred

                      and uncollected premiums
(6)
(27)
21
Subtotal
(1,812)
(2,120)
308
Capital:
Other
—
—
—
Subtotal
—
—
—
Deferred tax
                      liabilities
(1,812)
(2,120)
308
Net
                      deferred tax asset
$
6,487
4,307
2,180
The realization of the DTAs is dependent upon the
              Company's ability to generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be
              sufficient for the realization of the remaining DTAs.
The Coronavirus Aid, Relief, and Economic Security Act, (CARES Act of 2020) was enacted on March 27,
              2020, thereby allowing net operating losses (NOLs) arising in tax years beginning after December 31, 2017, and before January 1, 2021 (e.g., NOLs incurred in 2018, 2019, or 2020 by a calendar-year taxpayer) to be carried back to each of the
              five tax years preceding the tax year of such loss.
In computing taxable income, life insurance companies
              are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by which these reserves are computed for tax purposes. The changes are effective for tax
              years beginning after
32 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
2017 and are subject to a transition rule that
              spreads the additional income tax liability over the subsequent eight years beginning in 2018.  Due to complexities in the new methodology and limited guidance from the Internal Revenue Service and U.S. Treasury, the Company has recorded
              provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves based on information available at December 31, 2017.  Pursuant to Interpretation of the SAP Working Group
              18-01:
Updated Tax Estimates under the Tax Cuts and Jobs Act
, provisional tax computations related to these amounts were reasonably estimated as of December 31, 2017 and have been adjusted based on guidance received from
              Internal Revenue Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2020, 2019, and 2018.
The Change in net deferred income tax is comprised of
              the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital
              and Surplus):
December 31
2020
2019
Change
Net deferred tax assets
$
15,257
9,390
5,867
Statutory valuation allowance adjustment
—
—
—
Net deferred tax assets after statutory valuation allowance
15,257
9,390
5,867
Tax effect of unrealized gains/(losses)
(1,216)
(745)
(471)
Change in net deferred income tax
$
5,397
(d)
Reconciliation

              of Federal Income Tax Rate to Actual Effective Rate
The provision for federal income taxes incurred is
              different from that which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:
December 31, 2020
December 31, 2019
December 31, 2018
Federal income tax
                      rate
21.0
%
21.0
%
21.0
%
Amortization of IMR
1.2
1.6
—
Dividends received
                      deduction
(3.7)
(4.3)
(1.9)
Tax hedges
—
0.7
(0.2)
Tax hedge
                      reclassification
(31.5)
(73.9)
(19.3)
Non-deductible
                      expenses
—
0.1
0.1
Change in deferred
                      tax on non-admitted assets
0.2
(0.2)
—
Prior period
                      adjustments
—
0.9
(1.0)
Change in deferred
                      tax impairments
(2.5)
0.5
(0.3)
Realized Capital
                      Gains Tax
2.4
—
—
Effective
                      tax rate
(12.9)
%
(53.6)
%
(1.6)
%
Federal and foreign income taxes incurred
(1)
4.7%
(36.8)
%
(0.7)
%
Realized Capital
                      Gains Tax
2.4
—
—
Change in net
                      deferred income taxes
(20.0)
(16.8)
(0.9)
Effective
                      tax rate
(12.9)
%
(53.6)
%
(1.6)
%
(1)
Prior to 2020, tax on capital gains (losses) was excluded from federal and foreign income taxes incurred and detailed in
                        Note 5(c).
(e)
Carryforwards,

              Recoverable Taxes, and IRC Section 6603 Deposits
As of December 31, 2020,
there are no operating losses or tax credit carryforwards available for tax purposes.
There are no Federal
              income taxes available for recoupment in the event of future net losses.
There are no aggregate deposits admitted under
              Section 6603 of the IRC.
The Company had no tax contingencies computed in
              accordance with SSAP No. 101 as of December 31, 2020 and 2019.
33 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company recognizes interest and penalties accrued
              related to unrecognized tax benefits in federal income tax expense. During the years ended December 31, 2020 and 2019, the Company recognized no such expenses.
(f)
Consolidated

              Federal Income Tax Return
The Company is included in the consolidated group for
              which AZOA files a federal income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to US Federal and non-US income tax examinations for years prior to 2016, though
              examinations of combined returns filed by AZOA, which include the Company by certain US state and local tax authorities, may still be conducted for 2008 and subsequent years. The last Internal Revenue Service (IRS) examination of AZOA
              involved the federal income tax returns filed by AZOA for the 2015 tax year, which included carrybacks to the 2012 tax year. This examination concluded in October 2018 with the IRS only making one immaterial adjustment that increased the
              Company's tax liability for 2012 by approximately $530. The IRS has also initiated an examination of AZOA's 2017 and 2018 income tax returns, which is expected to close by the end of 2021.
As of December 31, 2020, the companies included in
              the consolidated group for which AZOA files a federal income tax return is included below:
Members of Consolidated Tax Group
Allianz Life Insurance Company of New York
Allianz Life Insurance Company of Missouri
Allianz Life
                      Insurance Company of North America
Allianz
                      Underwriters Insurance Company
AZOA Services
                      Corporation
AGCS Marine
                      Insurance Company
Allianz Global
                      Risks US Insurance Company
William H. McGee
                      & Co., Inc.
Allianz Reinsurance
                      of America, Inc.
Fireman's Fund
                      Insurance Company
Allianz Technology
                      of America, Inc.
Fireman's Fund
                      Indemnity Corporation
Allianz Renewable
                      Energy Partners of America LLC
National Surety
                      Corporation
Allianz Renewable
                      Energy Partners of America 2 LLC
Chicago Insurance
                      Company
PFP Holdings, Inc.
Interstate Fire
                      & Casualty Company
AZL PF Investments,
                      Inc.
Associated
                      Indemnity Corporation
Dresdner Kleinwort
                      Pfandbriefe Investments II, Inc.
American Automobile
                      Insurance Company
Allianz Fund
                      Investments, Inc.
The American
                      Insurance Company
Yorktown Financial
                      Companies, Inc.
Allianz Risk
                      Transfer, Inc.
Questar Capital
                      Corporation
Allianz Risk
                      Transfer (Bermuda), Ltd.
Questar Asset
                      Management, Inc.
Questar Agency,
                      Inc.
(8)    Accident and Health Claim Reserves
Accident and health claim reserves are based on
              estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While
              management believes that reserves as of December 31, 2020, are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any
              adjustments to reserves are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company's future reported earnings.
34 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
Activity in the accident and health claim reserves is summarized as
              follows:
2020
2019
2018
Balance
                      at January 1, net of reinsurance recoverables of $1,214, $529, and $622, respectively
$
7,302
3,938
4,867
Incurred related
                      to:
Current

                      year
3,428
3,991
916
Prior
                      years
(1,093)
749
(374)
Total
                      incurred
2,335
4,740
542
Paid related to:
Current

                      year
153
211
81
Prior
                      years
1,650
1,165
1,390
Total
                      paid
1,803
1,376
1,471
Balance

                      at December 31, net of reinsurance recoverables of $1,079, $1,214, and $529, respectively
$
7,834
7,302
3,938
Prior year incurred claim reserves for 2020 were
              favorable as a result of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business. Prior year incurred claim reserves for 2019 reflect unfavorable claim development primarily within the
              individual LTC line of business. Prior year incurred claims reserves for 2018 reflect unfavorable claim development as a result of re-estimation of unpaid claims and claim adjustment expenses, principally on individual LTC and group health
              lines of business.
(9)    Reinsurance
The Company primarily enters into reinsurance
              agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss on any
              single insured and to recover a portion of benefits paid by ceding risks under excess coverage and coinsurance contracts.
The Company monitors the financial exposure and
              financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain
              reinsurers.
The effect of reinsurance on reserves and claims, for
              amounts recoverable from other insurers, was as follows:
For the years ended December 31,
Reduction in:
2020
2019
Aggregate

                      reserves
$
6,184
5,537
Policy
                      and contract claims
183
197
35 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
The Company assumed no business from other companies
              for the years ended December 31, 2020, 2019, and 2018. Life insurance, annuities, and accident and health business ceded to other companies are as follows:
Year ended
Direct amount
Ceded to other companies
Net amount
December 31, 2020
Life
                      insurance in force
$
328,472
293,458
35,014
Premiums:
Life
884
734
150
Annuities
425,561
—
425,561
Accident

                      and health
3,224
436
2,788
Total
                      premiums
$
429,669
1,170
428,499
December 31, 2019
Life
                      insurance in force
$
49,947
42,359
7,588
Premiums:
Life
807
655
152
Annuities
371,966
—
371,966
Accident

                      and health
3,341
444
2,897
Total
                      premiums
$
376,114
1,099
375,015
December 31, 2018
Life
                      insurance in force
$
53,361
48,195
5,166
Premiums:
Life
922
744
178
Annuities
298,637
—
298,637
Accident

                      and health
3,367
467
2,900
Total
                      premiums
$
302,926
1,211
301,715
There are no nonaffiliated reinsurers owned in excess
              of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company.
There are no policies issued by the Company that have
              been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
              insurance business.
The Company does not have any reinsurance agreements
              in effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits.
The Company does not have reinsurance agreements in
              effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of mutual credits from other reinsurance agreements with the same
              reinsurer, exceed the total direct premium collected under the reinsured policies.
The Company did not write off any uncollectible
              recoverables during 2020, 2019, and 2018.
36 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(10)
Annuity Actuarial Reserves and Deposit Liabilities by Withdrawal Characteristics
Information regarding the Company's annuity actuarial
              reserves and deposit liabilities by withdrawal characteristics at December 31 is as follows:
2020
Percentage of total
2019
Percentage of total
Subject to
                      discretionary withdrawal:
With
                      market value adjustment
$
94,060
2
%
$
60,359
2
%
At
                      book value less current surrender charges of 5% or more
1,172,480
30
738,120
21
At
                      market value
2,087,722
53
2,297,154
65
Total
                      with adjustment or at market value
3,354,262
85
3,095,633
88
At
                      book value without adjustment (minimal or no charge or adjustment)
489,561
12
381,487
11
Not
                      subject to discretionary withdrawal
78,609
3
65,387
1
Total
                      gross
3,922,432
100
%
3,542,507
100
%
Reinsurance ceded
—
—
Total
                      net
$
3,922,432
$
3,542,507
Reconciliation of
                      total annuity actuarial reserves and deposit fund liabilities:
2020
2019
Life, Accident and
                      Health Annual Statement:
Annuities,

                      net (excluding supplementary contracts with life contingencies)
$
376,832
397,644
Supplemental

                      contracts with life contingencies, net
20,886
18,688
Deposit-type

                      contracts
4,956
3,604
Subtotal
402,674
419,936
Separate Accounts
                      Annual Statement:
Annuities,

                      net (excluding supplementary contracts with life contingencies)
3,519,106
3,121,880
Supplemental

                      contracts with life contingencies, net
652
691
Subtotal
3,519,758
3,122,571
Total
                      annuity actuarial reserves and deposit fund liabilities
$
3,922,432
3,542,507
37 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(11)    Life Actuarial Reserves by Withdrawal Characteristics
Information regarding the Company's life actuarial
              reserves by withdrawal characteristics at December 31 is as follows:
2020
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal

                      life
$
37
28
969
Indexed

                      life
1,644
1,511
1,580
Other
                      permanent cash value life insurance
354
354
354
Not
                      subject to discretionary withdrawal or no cash values:
Term
                      policies without cash value
XXX
XXX
271
Miscellaneous

                      reserves
XXX
XXX
13,223
Total
                      gross
2,035
1,893
16,397
Reinsurance

                      ceded
—
—
357
Total net
(1)
$
2,035
1,893
16,040
(1)
Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                        contain Life business.
2019
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal

                      life
$
51
198
726
Indexed

                      life
1,623
1,471
1,571
Other
                      permanent cash value life insurance
538
538
538
Not
                      subject to discretionary withdrawal or no cash values:
Term
                      policies without cash value
XXX
XXX
264
Miscellaneous

                      reserves
XXX
XXX
272
Total
                      gross
2,212
2,207
3,371
Reinsurance

                      ceded
—
—
11
Total net
(1)
$
2,212
2,207
3,361
(1)
Balances reflected within this disclosure reside in the Company's general account; the Company's separate accounts do not
                        contain Life business.
The Company does not have any Life policies with either guarantees or
              nonguarantees in the separate account.
Reconciliation of total life actuarial
                      reserves:
2020
2019
Life,
                      Accident, and Health Annual Statement:
Life
                      insurance, net
$
2,781
$
3,088
Miscellaneous

                      reserves, net
13,259
272
Total
                      life actuarial reserves
$
16,040
$
3,361
38 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(12)
Separate Accounts
The Company's separate accounts represent funds held
              for the benefit of contract holders entitled to payments under variable annuity contracts issued through the Company's separate accounts and underwritten by the Company.
As of December 31, 2020 and 2019, the Company's
              separate accounts are classified as nonguaranteed. Information regarding the Company's separate accounts for the years ended December 31 is as follows:
2020
2019
Premiums,
                      considerations, or deposits
$
401,472
352,992
Reserves for
                      account, with assets at fair value
2,338,554
2,297,845
Reserves for
                      account, with assets at amortized cost
1,181,205
824,726
Total
                      reserves
3,519,759
3,122,571
By withdrawal
                      characteristics:
At
                      fair value
2,337,902
2,297,154
At
                      book value without MV adjustment and with current surrender charge of 5% or more
921,552
737,371
At book value without MV adjustment and with current surrender
                        charge of less than 5%
259,653
87,355
Subtotal
3,519,107
3,121,880
Not subject to
                      discretionary withdrawal
652
691
Total
$
3,519,759
3,122,571
As of December 31, 2020 and 2019, the Company's
              separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions:
2020
2019
Product/transaction
Legally insulated
Not legally insulated
Legally insulated
Not legally insulated
Variable Annuities
$
2,130,361
—
2,194,429
—
Variable
                      Annuities (Non-Unitized Non-Insulated)
—
1,643,505
—
1,037,633
Total
$
2,130,361
1,643,505
2,194,429
1,037,633
The Company's separate account liabilities contain
              guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company's general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $26,544, $37,538, $36,073,
              $33,270, and $30,266 during the past five years, respectively. The general account of the Company paid $929, $1,019, $465, $13, and $2,140 towards separate account guarantees during the past five years, respectively.
A reconciliation of net transfers to separate
              accounts for the years ended December 31 is included in the following table:
2020
2019
2018
Transfers
                      as reported in the Summary of Operations of the Separate Accounts Annual Statement:
Transfers

                      to separate accounts
$
401,472
352,992
298,627
Transfers

                      from separate accounts
(215,753)
(217,517)
(191,108)
Net
                      transfers to separate accounts
185,719
135,475
107,519
Reconciling
                      adjustments:
Other
                      adjustments
296
(495)
202
Transfers as
                      reported in the Statutory Statements of Operations
$
186,015
134,980
107,721
39 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(13)     Related-Party Transactions
(a)     Real
              Estate
The Company subleases office space from an affiliate.
              In connection with this agreement, the Company incurred rent expense of $76, $56, and $25 in 2020, 2019, and 2018, respectively, which is included in General and administrative expenses on the Statutory Statements of Operations.
(b)     Service
              Fees
The Company incurred fees for administrative services
              provided by Allianz Life of $10,372, $10,113 and $9,500 in 2020, 2019, and 2018, respectively. The Company's liability for these expenses was $1,272 and $791 as of December 31, 2020 and 2019, respectively, and is included in Payable to parent
              and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company incurred fees for investment advisory
              services provided by affiliated companies of $1,128, $870, and $668 in 2020, 2019, and 2018, respectively. The Company's liability for these charges was $108 and $78 as of December 31, 2020 and 2019, respectively, and is included in Payable
              to parent and affiliates on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company has an agreement with Allianz Investment
              Management, LLC which has subsequent agreements with its affiliates Pacific Investment Management Company (PIMCO), Oppenheimer Capital LLC (OpCap), and with certain other related parties whereby (1) specific investment options managed by
              PIMCO and OpCap are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives compensation for providing administrative and recordkeeping services relating to
              the investment options managed by PIMCO and OpCap. Income recognized by the Company from these affiliates for distribution and in-force related costs as a result of providing investment options to the contractholders was $787, $885, and $965
              during 2020, 2019, and 2018, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. The related receivable for the fees was $66 and $74 at December 31, 2020 and 2019, respectively, which is
              included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
The Company has incurred commission expense related
              to the distribution of variable annuity products from Allianz Life Financial Services, LLC, (ALFS), an affiliated company, in the amount of $31,064, $27,988, and $24,155 for the years ended December 31, 2020, 2019, and 2018, respectively.
The Company has an agreement with ALFS, whereby 12b-1
              fee receivables are assigned to the Company and Allianz Life. The Company has also agreed with Allianz Life to share in reimbursing ALFS for direct and indirect expenses incurred in performing services for the Company and Allianz Life. In the
              event that assigned receivables exceed expenses, ALFS records a loss on the transaction with the Company and a dividend-in-kind to Allianz Life. The Company recorded revenue from this agreement of $3,936, $4,163, and $4,236 for the years
              ended December 31, 2020, 2019, and 2018, respectively. The Company recorded expenses related to this agreement of $6,027, $7,135, and $4,973 for the years ended December 31, 2020, 2019, and 2018, respectively.
(c)
                  Reinsurance
The Company cedes certain term life and universal
              life insurance policies to Allianz Life. At December 31, 2020 and 2019, the Company had no reinsurance recoverables and receivables from Allianz Life included in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and
              Capital and Surplus.
40 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
(d)     Line of
              Credit Agreement
The Company has a line of credit agreement with its
              parent, Allianz Life Insurance Company of North America (Allianz Life) to provide liquidity as needed. The Company's borrowing capacity under the agreement is limited to 5% of the general account admitted assets of the Company as of the
              preceding year end. The interest rate for borrowing under the agreement is based on the 1 month USD LIBOR rate. Borrowed amounts can be prepaid at any time with no prepayment penalty. Allianz Life provided $25,000 to the Company under the
              terms of this agreement on March 17, 2020 and the loan was paid in full on April 15, 2020. There was no interest accrued as of December 31, 2020 and 2019. There was no outstanding balance under the line of credit agreement as of December 31,
              2020, and 2019.
(14)    Employee Benefit Plans
The Company participates in the Allianz Asset
              Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation. Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants' pretax, Roth
              401(k), and/or after-tax contributions up to 80% of the participants' eligible compensation, although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the
              employees' eligible compensation. Participants are 100% vested in the Company's matching contribution after three years of service.
The AAAP administration expenses and the trust fund,
              including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company's discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company's policy to fund the AAAP
              costs as incurred. The Company has expensed $323, $295, and $252 in 2020, 2019, and 2018, respectively, toward the AAAP matching contributions and administration expenses.
(15)
Statutory Capital and Surplus
Statutory accounting practices prescribed or
              permitted by the Company's state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company's statutory capital
              and surplus as of December 31, 2020 and 2019 were in compliance with these requirements. The maximum amount of dividends that can be paid by New York insurance companies to stockholders without prior approval of the Department is subject to
              restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In
              accordance with New York statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the lesser of 10% of its beginning-of-the year statutory surplus, or its net gain from operations of the insurer,
              not including realized gains, for the 12-month period ending the 31st day of the preceding year. Based on these restrictions, ordinary dividends of $15,597 can be paid in 2021 without prior approval of the Department. The Company paid no
              dividends in 2020, 2019, and 2018.
Regulatory Risk-Based Capital
An insurance enterprise's state of domicile imposes
              minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity
              based on the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise's regulatory total adjusted capital to its authorized control level risk-based capital, as defined by the NAIC. Companies below specific
              trigger points or ratios are classified within certain levels, each of which requires specified corrective action. This ratio for the Company significantly exceeds required minimum thresholds as of December 31, 2020 and 2019.
(16)    Direct Premiums Written by Third-Party Administrators
The Company has direct premiums written by
              third-party administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes claims payment, claims
              adjustment, underwriting, binding authority, and premium collection. Total premiums written by TPAs were $883, $803, and $935 for 2020, 2019, and 2018, respectively. For
41 of 42
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
Notes to the Statutory Financial Statements
(Dollars in thousands, except share data and security holdings quantities)
the years ended December 31, 2020, 2019, and 2018,
              there were no individual TPAs that wrote premiums that equaled at least 5% of the capital and surplus of the Company.
(17)
Reconciliation to the Annual Statement
The Company is required to file an Annual Statement
              with the Department. As of December 31, 2020 and 2019, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December 31, 2020, 2019, and 2018, there is no difference in capital and
              surplus or net income between this report and the Annual Statement.
(18)    Commitments and Contingencies
The Company is or may become subject to claims and
              lawsuits that arise in the ordinary course of business. In the opinion of management, the ultimate resolution of any such known litigation will not have a material adverse effect on the Company's financial position.
The Company is contingently liable for possible
              future assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.
The financial services industry, variable and fixed
              annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.
Federal and state regulators, such as state insurance
              departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning various
              selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is, and may become, subject to ongoing market conduct examinations and
              investigations by regulators, which may have a material adverse effect on the Company.
It can be expected that annuity and life product
              designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.
These matters could result in legal precedents and
              new industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory
              actions will have a material adverse effect on the Company in the future.
(19)    Subsequent Events
The Company has evaluated subsequent events through
              April 2, 2021, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December 31, 2020 that require adjustment to the Statutory Financial Statements.
42 of 42
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 – April 30, 2021
91
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 - not applicable
8.
Opinion re Tax Matters - not applicable
9.
Not applicable
10.
Material Contracts - not applicable
11.
Not applicable
12.
Not applicable
15.
Not applicable
16.
Not applicable
21.    Not applicable.
23.
(a)*
Consent of Independent
                Registered Public Accounting Firm
, filed herewith.
(b)*
Consent of
      Counsel
, filed herewith.
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 16th day of April, 2021.
ALLIANZ LIFE
    INSURANCE COMPANY OF NEW YORK
By:
/S/ Walter R. White*
Walter R. White
Chief Executive Officer
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the
    following persons in the capacities indicated on April 16, 2021.
Signature
Title
Walter R. White
(1)
Chairman 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/ Stewart D. Gregg
Stewart D. Gregg, Senior Counsel
FORM S-1
ALLIANZ LIFE INSURANCE COMPANY OF NEW YORK
INDEX TO EXHIBITS
Exhibit
Description of Exhibit
23(a)
Consent of Independent Registered Public Accounting Firms
23(b)
Consent of Counsel
24(c)
Powers of Attorney