Allianz Life Insurance Company Of North America 4 S&P (AA) Very Strong .

Fixed Index Annuities January 30, 2015 Free Withdrawal 1 /Minimum Premium State Availability Product / Participation Rate Interest Crediting Strategies Issue Ages Surrender Charges/Riders American Equity Investment Life Insurance Company, Des Moines IA 50325 Foundation Gold ICC11 IDX3 (FPDA) Cap Par Rate Asset Fee N/A 25% N/A 3.00% N/A N/A N/A 15% N/A 3.00% N/A N/A S&P 500 Monthly Pt-to-Pt w/Cap 1.40% N/A N/A 10-Year US Treasury Bond 2.50% N/A N/A Bond Yield with Cap 4.65% N/A 2.00% N/A N/A 2.50% S&P 500 Monthly Average w/Par-Rate S&P 500 Monthly Average w/Cap S&P 500 Annual Pt-to-Pt w/Par-Rate S&P 500 Annual Pt-to-Pt w/Cap Volatility Control Index5 Fixed Value Rate S&P 500 Performance Trigger 1.20% 7% Premium Bonus - All 1st Year Premiums Bonus Vesting Schedule: (10 Yr) 0, 10, 20, 30, 40, 50, 60, 70, 80, 90, 100% Free Withdrawal: 5% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value. Minimum Premium: 5,000 Q/NQ Maximum Premium: 1,500,000, ages 0-69 1,000,000, ages 70-74 - 750,000 ages 75-78 STATES NOT APPROVED: AL, CT, NY 2.25% Commission 2 A.M. Best (A-) Excellent S&P (BBB) Good Ages 0-75 Issue Ages: 0-80 Q/NQ 5.80% Year 1 Surrender Charges: (10 Yr) 9 - 8.25 - 7.25 - 6.25 - 5.25 4.25 - 3.25 - 2.25 - 1 - 0.5 - 0 % no MVA 4.35% Year 1 Riders: Lifetime Income Benefit NCR-100**, TIR-100** DB AV 1.00% Year 2 1.00% Year 3 Ages 76-80 .75% Year 2 .75% Year 3 Commissions listed above in years 2 & 3 are for prem. received in 1st year. MGSV equals 87.5% of all premiums, less withdrawal proceeds, accumulated at the MGIR (currently 1.50%), compounded annually. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Fixed Value Rate, and the ParRate will never be less than 10%. ** The NCR-100 and TIR-100 are available on most of our current deferred annuities and added automatically for issue ages under 75 and availability may vary by state. See state specific disclosure for details. Advantage Gold INDEX-6-07 (FPDA) Cap Par Rate Asset Fee N/A 25% N/A 3.00% N/A N/A N/A 15% N/A 3.00% N/A N/A S&P 500 Monthly Pt-to-Pt w/Cap 1.40% N/A 0% 10-Year US Treasury Bond 2.50% N/A N/A Bond Yield with Cap 4.65% N/A 2.00% N/A N/A 2.50% S&P 500 Monthly Average w/Par-Rate S&P 500 Monthly Average w/Cap S&P 500 Annual Pt-to-Pt w/Par-Rate S&P 500 Annual Pt-to-Pt w/Cap Volatility Control Index Fixed Value Rate 5 1.25% S&P 500 Performance Trigger 2.25% 5% Premium Bonus - All 1st Year Premiums Free Withdrawal: 10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value. Minimum Premium: 5,000 Q/NQ Maximum Premium: 1,500,000, ages 0-69 1,000,000, ages 70-74 750,000 ages 75-80 STATES NOT APPROVED: AK, AL, CT, DE, FL, MN, NJ, NV, NY, OH, OK, OR, PA, TX, UT, WA Issue Ages: 0-80 Q/NQ Surrender Charges: (10 Yr) 16 - 15 - 14 - 13 - 11.5 - 10 - 8.5 7 - 5.5 - 4 - 0 % no MVA Riders: Lifetime Income Benefit NCR-100**, TIR-100** DB AV Ages 0-75 6.00% Year 1 1.00% Year 2 1.00% Year 3 Ages 76-80 4.50% Year 1 .75% Year 2 .75% Year 3 Commissions listed above in years 2 & 3 are for prem. received in 1st year. MGSV equals 84% of 1st year premiums and premium bonus, plus 87.5% of any additional premiums, less withdrawal proceeds, accumulated at the MGIR (currently 1.50%), compounded annually. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and Fixed Value Rate, and the Par-Rate will never be less than 10%. ** The NCR-100 and TIR-100 are available on most of our current deferred annuities and added automatically for issue ages under 75. Retirement Gold INDEX-2-09* (FPDA) Cap Par Rate Asset Fee N/A 25% N/A 3.00% N/A N/A N/A 15% N/A S&P 500 Annual Pt-to-Pt w/Cap 3.00% N/A N/A S&P 500 Monthly Pt-to-Pt w/Cap 1.40% N/A 0% Bond Yield with Cap 4.65% N/A 2.00% N/A N/A S&P 500 Monthly Average w/Par-Rate S&P 500 Monthly Average w/Cap S&P 500 Annual Pt-to-Pt w/Par-Rate Volatility Control Index5 Fixed Value Rate 1.20% S&P 500 Performance Trigger 2.50% 2.25% 8% Premium Bonus** - All 1st Year Premiums Bonus Vesting Schedule: (14 Yr) 0, 0, 0, 8.33, 16.67, 25, 33.33, 41.67, 50, 58.33, 66.67, 75, 83.33, 91.67, 100% Different in FL Free Withdrawal: 10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value. Minimum Premium: 5,000 Q/NQ Maximum Premium: 1,500,000, ages 0-69 1,000,000, ages 70-74 - 750,000 ages 75-78 STATES NOT APPROVED: AK, AL, CT, DE, MN, NJ, NV, NY, OH, OK, OR, PA, SC, TX, UT, WA Issue Ages: 0-78 Q/NQ Surrender Charges: (10 Yr) 12.5 - 12 - 12 - 11 - 10 9 - 8 - 7 - 6 - 4 - 0% no MVA Different in FL Riders: Lifetime Income Benefit NCR-100***, TIR-100*** Ages 0-78 6.00% Year 1 1.00% Year 2 1.00% Year 3 Commissions listed above in years 2 & 3 are for prem. received in 1st year. Different in DB AV FL, IN *Form number may vary by state. **Bonus in IN is 8% for issue ages 0-73 & 5% for issue ages 74-78. MGSV equals 87.5% of premiums paid, less any withdrawal proceeds, accumulated at the MGIR, compounded annually. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Par-Rate will never be less than 10% *** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75 and availability may vary by state. See state specific disclosure for details. For Agent Use Only- Not for dissemination to the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state. 3 See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures

Fixed Index Annuities January 30, 2015 Free Withdrawal 1 /Minimum Premium State Availability Product / Participation Rate Interest Crediting Strategies Issue Ages Surrender Charges/Riders American Equity Investment Life Insurance Company, Des Moines IA 50325 A.M. Best (A-) Excellent Bonus Gold INDEX-1-07* (FPDA) 10% Premium Bonus Cap Par Rate Asset Fee N/A 30% N/A 3.25% N/A 0% Dow Jones Monthly Average w/Cap 3.25% N/A 0% Dow Jones Annual Pt-to-Pt w/Cap 3.25% N/A 0% N/A 20% N/A S&P 500 Annual Pt-to-Pt w/Cap 3.25% N/A 0% S&P 500 Monthly Pt-to-Pt w/Cap 1.60% N/A 0% 10-Year US Treasury Bond 2.75% N/A 0% Bond Yield with Cap 5.15% N/A 2.00% N/A N/A 2.25% S&P 500 Monthly Average w/Par-Rate S&P 500 Monthly Average w/Cap S&P 500 Annual Pt-to-Pt w/Par-Rate Volatility Control Index5 Fixed Value Rate 1.35% S&P 500 Performance Trigger 2.50% All 1st Year Premiums Commission 2 S&P (BBB) Good Issue Ages: 0-80 Q/NQ 0-64 in FL Free Withdrawal: 10% of Contract Value annually, starting in year 2. Systematic W/D & RMD immediately from Fixed Value. 6.00% Year 1 1.00% Year 2 Surrender Charges: (16 Yr) 20-19.5-19-18.5-18-17.5-17-16 15-14-12-10-8-6-4-2-0% no MVA Minimum Premium: 5,000 Q/NQ Ages 0-75 Different in DE & OK Maximum Premium: 1,500,000, ages 0-69 1,000,000, ages 70-74 750,000 ages 75-80 1.00% Year 3 Ages 76-80 4.50% Year 1 .75% Year 2 Issued as INDEX-1-05 in DE, INDEX-7-05 in OK (Rates may vary) Riders: Lifetime Income Benefit NCR-100**, TIR-100** STATES NOT APPROVED: AK, AL, CT, MN, NJ, NV, NY, OH, OK, OR, TX, UT, WA DB AV .75% Year 3 Commissions listed above in years 2 & 3 are for prem. received in 1st year. *Form number may vary by state. MGSV equals 80% of 1st year premium plus premium bonus plus 87.5% of any additional premium, less withdrawal proceeds, at MGIR, compounded annually. Asset fee is set at issue and guaranteed for life of the contract. Caps are set at issue, adjusted annually and never less than 1% for the monthly average or the annual pt to pt. 1% minimum for the Mon. Pt-to-Pt and the Par-Rate will never be less than 10% ** The NCR-100 and TIR-100 is available at no cost to Annuitants issue ages under 75 and availability may vary by state. See state specific disclosure for details. Forethought Life Insurance Company Income 125 SM (SPDA) Annual Pt-to-Pt w/Cap 10,000 24,999 3.00% 25,000 99,999 3.00% 100,000 or more 3.50% A.M. Best (A-) Excellent S&P (A-) Strong Free Withdrawal: 10% beginning of the year Contract Value after the first Contract Year Minimum Premium: 10,000 Q/NQ Monthly Pt-to-Pt w/Cap 1.25% 1.25% 1.50% Maximum Premium: w/o home office appr. 1,000,000 Ages 0-80 500,000 Ages 81-85 Fixed Account Strategy 1.50% 1.50% 1.75% STATES NOT APPROVED: NY Issue Ages: 0-85 Q/NQ Surrender Charges: (10 Yr) 12-12-11-10-9-8-7-6-4-2-0% 7.00% Ages 0-75 5.00% /-MVA Ages 76-85 Riders: NCR, TIR Guaranteed Lifetime Income Benefit Increased Death Benefit Guarantee DB AV (Rates 1.00% less in AK, CT, DE, FL, MN, NV, OH, OR, SC, TX, UT, WA) SM Income 125 fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with contract FA2001SPDAX-01 and FA2001SPDAX-01 and FA2001SPDAXL-01 (certificate series GA2001SPDAX-01, as applicable). Products and features are subject to state availability. Read the Contract for complete details. MGSV equals 87.5% of premiums paid, less withdrawals and rider charges, compounded at a rate between 1% and 3%. Income 150 SM (SPDA) 10,000 24,999 25,000 99,999 100,000 or more ARMOUR II - 3 Yr Pt-to-Pt w/Spread 7.00% 7.00% 5.00% Annual Pt-to-Pt w/Cap 3.50% 3.50% 4.00% Monthly Pt-to-Pt w/Cap 1.50% 1.50% 1.75% Fixed Account Strategy 1.75% 1.75% 2.00% Free Withdrawal: 10% beginning of the year Contract Value after the first Contract Year Minimum Premium: 10,000 Q/NQ Maximum Premium: w/o home office appr. 1,000,000 Ages 0-80 500,000 Ages 81-85 STATES NOT APPROVED: NY Issue Ages: 55-80 Q/NQ Surrender Charges: (10 Yr) 10-10-9-9-8-7-6-5-4-2-0% no MVA 7.00% Ages 55-75 5.00% /-MVA Ages 76-80 Riders: NCR, TIR Guaranteed Lifetime Income Benefit DB AV (Rates 1.00% less in AK, DE, MD, MN, NV, OH, OK, OR, SC, TX, UT, WA) Income 150 SM fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with contract FA1201SPDAX-02, FA1201SPDAX-01, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Products and features are subject to state availability. Read the Contract for complete details. MGSV equals 87.5% of premiums paid, less withdrawals and rider charges, compounded at a rate between 1% and 3%. Barclays Armour Index II is a trademark of Barclays Bank PLC or its affiliates and has been licensed for use in connection with the issuance and distribution of Income 150 fixed index annuity. The Income 150 is not sponsored by, endorsed, sold, or promoted by Barclays, and Barclays makes no representation regarding the advisability of investing in the Income 150 For Agent Use Only- Not for use with the Public. Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state. 4 See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures

Fixed Index Annuities January 30, 2015 Lincoln Financial Group OptiChoice SM 5 (FPDA) Formerly Jefferson Pilot Financial Issue Ages Surrender Charges/Riders 100K Performance Triggered Specified Rate 2.65% 2.90% 1 Year Monthly Cap Indexed 1.60% 1.75% Cap 1 Year Monthly Average Indexed 4.55% 4.10% Spread Fixed Account 1.55% 1.70% Free Withdrawal: Beginning in the first policy year, 5 & 7 Yr 0-85 Q/NQ 9 Yr 0-80 Q/NQ up to 10% of accumulation value may be withdrawn without a surrender charge 5 Yr 3.50% Ages 0-74 Surrender Charges:* Reduced ages 75-85 or an MVA each policy yr. (5 Yr) 9-8-7-6-5% /- MVA (FPDA) 7 Yr 100K Performance Triggered Specified Rate 100K 3.05% 1 Year Monthly Cap Indexed 1.80% 2.00% Cap 1 Year Monthly Average Indexed 3.75% 3.15% Spread Fixed Account 1.80% 2.00% 3.40% Minimum Premium: 5,000 NQ - 2,000 Q 50 additional (7 Yr) 9-8-7-6-5-4-3% /- MVA (9 Yr) 9-8-7-6-5-4-3-2-1% /- MVA Maximum Premium: 1 million (FPDA) 100K Performance Triggered Specified Rate 100K 3.85% 1 Year Monthly Cap Indexed 2.15% 2.30% Cap 1 Year Monthly Average Indexed 2.65% 2.35% Spread Fixed Account 2.25% 2.40% 4.10% Ages 0-74 Reduced ages 75-85 w/o home office approval OptiChoice SM 9 Commission 2 A.M. Best (A ) Superior S&P (AA-) Very Strong Issue Ages: 100K OptiChoice SM 7 Free Withdrawal 1 /Minimum Premium State Availability Product / Participation Rate Interest Crediting Strategies Riders: 9 Yr STATES NOT APPROVED: NCR, TIR Lincoln Lifetime Income SM Edge or NY Lincoln Living Income SM Advantage 4.75% 9 Year not available in MN, MO, OR, UT, WA DB AV Ages 0-74 4.10% Reduced ages 75-80 Guaranteed minimum cash surrender value equals the premiums paid, less any prior partial Surrenders and related surrender charges and less deductions for any required premium taxes, accumulated at the guaranteed min fixed interest rate to the date of surrender, less surrender charges on the date of surrender. GMIR is 1%; Perf. Triggered Spec. Rate min rate is 1.25%; 1 yr monthly cap, min cap is 1.00%; 1 yr monthly average max spread is 9.00%; fixed account minimun is 1.00%. *Different in MN, MO, OR, UT, WA. Product and features are subject to state availability. Limitations and exclusions may apply. National Western Life NWL Ultra Classic (FPDA) A.M. Best (A) Excellent S&P (A) Strong (01-1135-04 and state variations) Issue Ages: Free Withdrawal: Equity Indexed Interest Rate - Annual Ratchet with Monthly Average Option A: Guaranteed 1st year Par-Rate Guaranteed Min. Par-Rate Current 1st Year Asset Fee Rate Guaranteed Max. Asset Fee Rate 100% 50% 1.55% 6.00% Equity Indexed Interest Rate - Annual Ratchet with Monthly Cap Option D: Current Monthly Cap Rate Guaranteed Min. Monthly Cap Rate Current 1st Year Rate Fixed Interest Rate: Min. Guaranteed Interest Rate 2.25% 1.00% Withdrawals up to 10% of the Account Value once annually after the first Policy Year. Cumulative to 50%. 0-85 in FL 0-80 Q/NQ 0-56 in OH 0-57 in TX 1st Yr NQ 10.00% 0-75 8.50% 76-80 Surrender Charges: 1st Yr Q (13 Yr) 15 - 14.75 - 14 - 13 - 12.25 - 11.25 10.00% 0-70 Minimum Premium: 5,000 NQ - 2,000 Q - 100 additional 10.50 - 9.75 - 8.75 - 8 - 6 - 4 - 2 - 0% 8.00% 71-75 Maximum Premium: 500,000 w/o home office appr. no MVA 7.00% 76-80 2.85% STATES NOT APPROVED: 1.00% AL, AK, CT, DE, IL, IN, MA, MN, MS, NJ, NV, NY, OR, PA, SC, UT, WA for Policies with Policy Dates in Jan., Feb., Mar. 2015 Riders: Yrs. 2-5 Q/NQ Income Outlook, Medical Stay Waiver, TIR, Accidential Death 1.00% all ages DB AV * Differs in FL - LA - TX The Minimum Guar. Contract Value equals 87.5% of premiums received, less withdrawals and withdrawals charges, accumulated at MGIR. It is never less than 1% and never more than 3%. *In LA the death benefit before annuity date Contract value paid if applied under a settlement option or CSV if paid as lump sum payment. For Agent Use Only- Not for dissemination to the Public . Always call for the most current rates before you sell. Rates & Commissions are believed to be accurate as of the date printed at the top of this page. Rates and commissions are subject to change at any time without notice. Please remember, this is only a partial list of the products and companies that we represent. Product availability and benefits may vary by state. 5 See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures

Fixed Index Annuities January 30, 2015 Free Withdrawal 1 /Minimum Premium State Availability Product / Participation Rate Interest Crediting Strategies North American Company For Life and Health Insurance North American Charter Series SM Commission 2 A.M. Best (A ) Superior S&P (A ) Strong Issue Ages: (FPDA) Premium Bonus*: Ann Pt-to-Pt W/ Cap Daily Avg Ann Reset W/ Cap Issue Ages Surrender Charges/Riders - - - Special Offer - - - 10 Year 0-79 Q/NQ (0-53 in OH) 10 Year 6.50% 7yr 10yr 14yr 7yr 10yr 14yr 10 Yr plan: 5% Bonus all premiums first 7 yrs 14 Year 0-75 Q/NQ S&P 500 --- 3.00% 3.10% --- 2.55% 2.65% 14 Yr plan: 8% Bonus all premiums first 7 yrs (0-65 in CA, 0-49 in OH) 4.875% SM --- 2.75% 2.90% --- 2.40% 2.50% Surrender Charges: (10 Yr) 15-14-13-12-11-10-8-6-4-2 % Ages 76-79 Index DJIA Ages 0-75 --- 2.40% 2.50% --- 2.15% 2.25% Penalty-Free Withdrawal: --- 2.40% 2.50% --- 2.20% 2.30% 10% of accum value each contract yr, after first year --- N/A N/A --- 2.35% 2.50% (14 Yr) 18-18-17-15-15-15-1514-12-10-8-6-4-2 % 14 Year --- N/A N/A --- 2.65% 2.75% Minimum Premium: 10,000 NQ - 2,000 Q /- Int. Adj. for all terms Ages 0-75 --- N/A N/A --- 2.00% 2.00% S & P MidCap 400 Russell 2000 Nasdaq-100 EURO STOXX 50 Hindsight Index Strategy 7yr- Option Fixed Account Rate Maximum Premium: 3 million w/o home office appr. Issue Ages & Surrender Charges different in NV & TX 10yr- 1.30% 14yr- 1.35% STATES NOT APPROVED: S & P 500 Mon. Pt. to Pt. sales are temporarily 10yr- 1.40% 14yr- 1.45% AK, AL, CT, DE, MN, NY, OK, OR, UT, WA Riders: NCR, Income Pay Nasdaq 100 Mon Pt to Pt suspended 10yr- 1.15% 14yr- 1.20% Approved in CA with different Bonus and Rates DB AV 7.00% VA commission is 1% less Commissions different in TX Min guar is 1.5% on 87.5% of prem. Index Cap Rate Applies to the Daily Avg, Annual Pt-to-Pt, and Monthly Pt-to-Pt. The cap is Guaranteed for the first year. Min cap for the annual Pt-to-Pt and Daily Avg is 2%. Min Cap for the Monthly Pt-to-Pt is 1%. Minimum Fixed Account Interest Rate is 1%. Hindsight Index option may not be available in all states. California has State-Specific Rates. North American Precision SM Series Daily Avg Annual Reset 10 Year 0-79 Q/NQ 10 Year 14 Year 0-75 Q/NQ (0-65 in CA) Ages 0-75 10yr 14yr 7yr 10yr 14yr - - - Special Offer - - - --- 40% 45% --- 30% 30% 10 Yr plan: 5% Bonus all premiums first 7 yrs --- 45% 45% --- 30% 30% 14 Yr plan: 8% Bonus all premiums first 7 yrs --- 30% 35% --- 20% 20% --- 30% 30% --- 20% 20% Penalty-Free Withdrawal: --- N/A N/A --- 25% 25% --- N/A N/A --- 35% 30% --- N/A N/A --- 20% 20% S&P 500 DJIASM S & P MidCap 400 Russell 2000 Nasdaq-100 EURO STOXX 50 Hindsight Index Strategy 10% of accum value each contract yr, after first year (14 Yr) 18-18-17-15-15-15-1514-12-10-8-6-4-2 % 14 Year Minimum Premium: 10,000 NQ - 2,000 Q /- Int. Adj. for all terms Ages 0-75 14yr- 4.25% suspended 10yr- 3.50% 14yr- 4.25% STATES NOT APPROVED: 10yr- 1.30% 14yr- 1.35% AK, AL, CT, DE, MN, NY, OH, OK, OR, UT, WA Riders: NCR, Income Pay Mon. Pt. to Pt. 10yr- 1.40% 14yr- 1.45% Approved in CA with different Bonus and Rates DB AV 10yr- 1.15% 14yr- 1.20% Ann Cap S&P 500 Fixed Account Rate Nasdaq 100 Mon Pt to Pt 7.00% Maximum Premium: 3 million w/o home office appr. Issue Ages & Surrender Charges different in NV & TX 14yr- 4.25% 10yr- 3.50% Ann Cap Hindsight Index 7yr- Option 4.875% Ages 76-79 10yr- 3.50% 6.50% Surrender Charges: (10 Yr) 15-14-13-12-11-10-8-6-4-2 % sales are temporarily Annual Cap (except below) S & P 500 Premium Bonus*: 7yr Index Issue Ages: (FPDA) Annual Pt-to-Pt VA commission is 1% less Commissions different in TX Min guar is 1.5% on 87.5% of prem. Index Cap Rate Applies to the Annual Pt-to-Pt and Monthly Pt-to-Pt. The cap is Guaranteed for the first year. Min cap for the annual Pt-to-Pt is 2%. Min Cap for the Monthly Pt-to-Pt is 1%. Minimum Par Rate for Daily Avg is 10%. Minimum Par Rate for Annual Pt-to-Pt is 15%. Minimum Fixed Account Interest Rate is 1%. Hindsight Index option may not be available in all states. California has State-Specific Rates. FOR AGENT USE ONLY - NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. North American products are issued on form series LS116A, LC/LS155A, LC/LS156A, LC/LS158A, LC/LS159A, LC/LS160A, NC/NA1000A, and ICC12-NA1002A, or state variations by North American Company for Life and Health Insurance, West Des M

Allianz Life Insurance Company of North America Index Free Withdrawal: Ages 0-75 Ages 76-80 STATES NOT APPROVED: CT, NY Index Ages 0-75 Ages 76-80 STATES NOT APPROVED: NY, WA Call (985) 626-1267 or visit us at www.DiCenter.com See Page 13 for Rider Abbreviations, INDEX & Additional Disclosures