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Allianz Life Insurance Company of North America

Allianz Endurance Plus

(RETIRED)

A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in GU, NY, PR, VI, WA

Ratings
	A.M. Best : A+		Moody's: A1		Standard & Poor's: AA

Rates

	Current Rates 04/04/2017		Guaranteed Minimum Values
	Cap	Spread	Cap	Spread
1 Year Blended Monthly Average		3.25	none	12.00
1 Year Blended Point-to-Point Cap	2.75		0.25	0.00
1 Year FTSE 100 Monthly Sum Cap	1.70		0.50	0.00
1 Year FTSE 100 Point-to-Point Cap	3.00		0.25	0.00
1 Year Nasdaq 100 Point-to-Point	2.50		0.25	0.00
1 Year S&P 500 Point-to-Point	2.50		0.25	0.00
1 Year S&P 500 SELECT Monthly Sum Cap	2.10	1.00	0.50	0.00
1 Year S&P 500 SELECT Point-to-Point Cap	4.50	1.00	0.25	0.00
1-Year Nasdaq 100 Monthly Sum Cap	1.60		0.50	0.00
1-Year S&P 500 Monthly Sum Cap	1.60		0.50	0.00
1 Year Fixed Interest Account (Rate guaranteed for 1 Year)	1.35%

State Specified Minimum Interest Rates
AR AZ CO CT DC FL GA HI ID IL KS LA MA MD ME MI NC ND NE NH NM OH OK PA RI SD TN UT VA VT WI WV	1.35%
AK AL CA DE IA IN KY MN MO MS MT NJ NV OR SC TX WY	1.00%

Premium Bonus
- none -

Policy Notes

The @annuityName@ is a limited flexible premium (accepts premiums during the first 3 policy years) fixed index annuity which pays a 20% premium bonus on all premiums paid during the first 3 policy years and has a @SCyears@ year surrender charge period.

The Premium Bonus is credited to the Enhanced Withdrawal Benefit (EWB Rider) value and the EWB receives interest at 105% of what the accumulation value earns on all fixed and/or indexed interest, and is only available after 10-years if you elect one of the two payout options.

Provisions

Free Look Period:	10 Days
(Free look period may vary by state)
Rate Lock Protection:	90 Days
Bail Out Provision Available:	No
Loan Provision Available:	No
Tax Sheltered:	No

Market Value Adjustment:	No
MRD:	Yes
Front-End Fee:	No
Annual Maintenance Fee:	No
Return of Premium Available:	No
Death Benefit is:	Policy Value

Premiums
	Non-Qual	Qualified
Min Single Premium:	n/a	n/a
Max Single Premium:	$1,000,000	$1,000,000
Min Added Premium:	$ 25	$ 25
Flexible Premiums Permitted:	First 3 Years
Prior approval may be required on cases of $1,000,000 or more. Call the FASTeam at 800.950.7372 for details

Ages Restrictions
		Non-Qual	Qualified
Owner:		80	80
Annuitant:	-	80	80
Annuitization Age:		95	95

Systematic Withdrawals

Systematic withdrawals are not available

State Specific Notes

100% Cap on Monthly Average in MO
1% Minimum Annual Cap in MO, MT, NV, NJ, OR, SC, WY
One year wait on Flexible Withdrawal Rider Not available PA
10% Free Withdrawals after first year in NJ, OR, WY
Select Index Allocations not available in CT, FL, MA, MN, PA

Commissions
Effective date of commission schedule: 09/27/2016
Commissions are subject to change at any time without notice. Verify all commissions prior to submitting business

Option A

Allianz Endurance Plus

(All approved states)

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

6.175%

Renewal Premiums:

3.088%

Ages 76-80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

4.275%

Renewal Premiums:

2.138%

Option B

Allianz Endurance Plus

(All approved states)

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

4.275%

Renewal Premiums:

2.138%

Trail:

Trail years 2+ is 0.475%

Ages 76-80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

2.85%

Renewal Premiums:

1.425%

Trail:

Trail years 2+ is 0.475%

Option C

Allianz Endurance Plus

(All approved states)

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

1.663%

Renewal Premiums:

0.831%

Trail:

Trail years 2+ is 0.95%

Ages 76-80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Year 9

Year 10

Year 11

Initial Premium:

1.425%

Renewal Premiums:

0.713%

Trail:

Trail years 2+ is 0.713%

100% chargeback in the event of a surrender or the owner's death in the first six contract months.

50% chargeback in the event of a surrender or the owner's death in contract months 7-12.

100% chargeback in the event of the Owner's death in the first six policy months

50% chargeback in the event of the Owner's death in policy months 7-12

100% chargeback if the Alternate Annuitization Option III (Medicaid endorsement) is used in the first six policy months

50% chargeback if the Alternate Annuitization Option III (Medicaid endorsement) is used in policy months 7-12

Verify all rates and provisions prior to contracting.

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