2015-07-06 123625 LPP Jesus Gavioloa 12pay PDF

Allianz Life Pro+ Fixed Index Universal Life Insurance Supplemental Illustration
SUPPLEMENTAL ILLUSTRATION
Supplemental Illustration
This is a supplemental illustration that must be accompanied by the full product
illustration. Refer to the illustration ledger of guaranteed values within the full
product illustration for the policys guaranteed elements and other important
information. Illustrated loans are shown as 100% participating (indexed) loans.
Using the assumptions shown in the table at the right and the premium and policy
benefits specified in this illustration, this policy will mature in year 67.
Supplemental Illustration Assumptions

Indexed interest rates
Policy years
7.50% (nonguaranteed)
1-Maturity
Policy charges
Policy years
Current (nonguaranteed)
All policy years
Nonguaranteed Values
Age
End of
policy
year
54
55
56
57
58
59
60
61
62
63
Premium
outlay
Net
distributions
Accumulation
value
Cash
value
Death
benefit
1
2
3
4
5
6
7
8
9
10
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,467
$3,003
$4,608
$6,285
$8,042
$9,934
$11,973
$14,173
$16,555
$19,143
$0
$0
$1,557
$3,615
$5,754
$8,027
$10,448
$13,029
$15,793
$18,762
$101,467
$103,003
$104,608
$106,285
$108,042
$109,934
$111,973
$114,173
$116,555
$119,143
64
65
66
67
68
69
70
71
72
73
11
12
13
14
15
16
17
18
19
20
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$22,591
$26,239
$27,647
$29,109
$30,624
$32,193
$33,836
$35,559
$37,367
$39,264
$22,591
$26,239
$25,881
$25,489
$25,057
$24,581
$24,078
$23,546
$22,987
$22,399
$122,591
$126,239
$98,234
$96,379
$94,432
$92,388
$90,241
$87,987
$85,620
$83,135
74
75
76
77
78
79
80
81
82
83
21
22
23
24
25
26
27
28
29
30
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$41,251
$43,332
$45,516
$47,813
$50,236
$52,765
$55,396
$58,135
$60,991
$63,986
$21,777
$21,118
$20,425
$19,701
$18,953
$18,152
$17,287
$16,354
$15,354
$14,302
$80,526
$77,786
$74,909
$71,889
$68,717
$65,387
$61,890
$58,219
$54,363
$50,315
84
85
86
87
31
32
33
34
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$67,131
$70,459
$73,984
$77,753
$13,196
$12,061
$10,900
$9,749
$46,065
$41,602
$36,916
$31,996
This supplemental illustration is not an offer, contract, or promise of future policy performance. Actual policy values may be more or less favorable than the
nonguaranteed values shown. Coverage is subject to the terms and conditions of the policy. The assumptions on which this supplemental illustration is based are
subject to change on an annual basis. This supplemental illustration is not valid without all 2 pages and must be accompanied by the full product illustration.
Prepared For: Jesus Gavioloa, Male, 53, Standard Nontobacco
Agent Information: Rosalinda Diestro
Issued In: Texas; July 06, 2015; 11:36
Initial Death Benefit: $100,000.00, B (Increasing)

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Allocations: SP/MS: 0%; SP/AP: 0%; NQ/MS: 0%; NQ/AP: 0%; B/AP: T: $2,605.00
0%; B/Floor: 0%; SP/TM: 0%; B/MA: 0%; SP/AP Select: 0%; B/AP
Select: 0%; B/MA Select: 0%; BUDBI/AP: 100%; BUDBI/Floor: 0%;
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 1 of 2
Allianz Life Pro+ Fixed Index Universal Life Insurance Supplemental Illustration
SUPPLEMENTAL ILLUSTRATION
continued
This is a supplemental illustration that must be accompanied by the full product

illustration. Refer to the illustration ledger of guaranteed values within the full
product illustration for the policys guaranteed elements and other important
information. Illustrated loans are shown as 100% participating (indexed) loans.
benefits specified in this illustration, this policy will mature in year 67.
Supplemental Illustration Assumptions

Policy years
1-Maturity
Policy charges
Policy years
All policy years
Age
End of
policy
year
88
89
90
91
92
93
Premium
outlay
Net
distributions
Accumulation
value
Cash
value
Death
benefit
35
36
37
38
39
40
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$81,829
$86,305
$91,327
$97,094
$103,808
$111,066
$8,659
$7,710
$7,036
$6,823
$7,257
$7,922
$26,830
$21,405
$15,709
$11,677
$11,410
$11,254
94
95
96
97
98
99
100
101
102
103
41
42
43
44
45
46
47
48
49
50
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$118,955
$127,587
$137,062
$147,248
$158,198
$169,969
$182,623
$196,226
$210,849
$226,570
$8,887
$10,249
$12,091
$14,263
$16,797
$19,732
$23,108
$26,970
$31,364
$36,344
$11,266
$11,525
$12,091
$14,263
$16,797
$19,732
$23,108
$26,970
$31,364
$36,344
104
105
106
107
108
109
110
111
112
113
51
52
53
54
55
56
57
58
59
60
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$243,469
$261,635
$281,164
$302,158
$324,726
$348,987
$375,067
$403,103
$433,242
$465,642
$41,965
$48,291
$55,386
$63,325
$72,185
$82,053
$93,021
$105,188
$118,666
$133,570
$41,965
$48,291
$55,386
$63,325
$72,185
$82,053
$93,021
$105,188
$118,666
$133,570
114
115
116
117
118
119
120
61
62
63
64
65
66
67
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$500,471
$537,913
$578,163
$621,432
$667,945
$717,947
$771,700
$150,030
$168,184
$188,181
$210,184
$234,369
$260,927
$290,062
$150,030
$168,184
$188,181
$210,184
$234,369
$260,927
$290,062
This supplemental illustration is not an offer, contract, or promise of future policy performance. Actual policy values may be more or less favorable than the
nonguaranteed values shown. Coverage is subject to the terms and conditions of the policy. The assumptions on which this supplemental illustration is based are
subject to change on an annual basis. This supplemental illustration is not valid without all 2 pages and must be accompanied by the full product illustration.

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 2 of 2
Prepared For
Allianz Life Insurance Company of North America
Jesus Gavioloa
Prepared On
July 06, 2015 at 11:36
Allianz Life Pro+ Fixed Index Universal Life

Insurance Policy Statement of Policy Cost and
Benefit
Agent Information
Rosalinda Diestro
2622 Night Song Dr
Pearland, Texas 77584
Life Insurance Policy Illustration
Issue State
Texas
P54350-TX
Thank you for considering the Allianz Life Pro+.
Contents
Please read this document carefully.

Talk with your financial professional
about any questions or concerns you
may have.
Overview
Policy Description
Be sure to sign and date the signature

page to confirm that you understand
the policy you are considering.
Illustration Ledgers
14
Numeric Summary
23
Allianz Life Insurance Company of North America 5701 Golden Hills Drive, Minneapolis, MN 55416
800.950.7372 www.allianzlife.com
MLIF-1066
Allianz Life Pro+ Fixed Index Universal Life Insurance Policy Illustration
OVERVIEW
How to Read Your Illustration

Your illustration is organized in four sections, each of which has its own purpose.
OVERVIEW
ILLUSTRATION LEDGERS
This section includes the Basic Concepts
below, a one-page introduction describing
how Allianz Life Pro+ works, and the rates and
assumptions used in your policy illustration.
POLICY DESCRIPTION
This section provides a high level overview of
your life insurance policys features and
benefits. It also defines certain terms used
throughout this illustration. For complete
information about Allianz Life Pro+, please
refer to your policy.
This is the numbers part of the illustration,

and reflects the inputs and assumptions you
chose to illustrate. Before you review your
ledgers, please read the Basic Concepts
below.
NUMERIC SUMMARY
This is a one-page summary of the illustration
information and contains important
disclosures for you to review. We ask both
you and your financial professional to sign this
page to confirm you fully understand the
features, benefits, and limitations of your
illustration.
The Overview and Policy Description comprise the Narrative Summary of this illustration.
Basic Concepts
As you review your illustration, please keep the following concepts in mind:
What is Life Insurance?
Many Possibilities
Life insurance is a contract between you and an insurance

company. The main purpose of life insurance is to provide a
financial benefit to your loved ones in the event of an early
death. Typical reasons for buying life insurance include paying
funeral expenses, providing mortgage assistance,
supplementing educational expenses for children and spouses,
replacing lost income, and helping to protect the value of an
estate after the insured passes on.
Interest rates and policy charges are only two of the many factors
that can affect your policys actual performance. Please be
aware that your actions can impact your policy as well. The
timing and amount of any premiums you pay, loans or
surrenders you take, and policy benefit changes you make will
have a large effect on your policy values.
Guaranteed vs. Nonguaranteed Values

The illustration ledgers show both guaranteed and
nonguaranteed values. The guaranteed values illustrate a
worst case scenario, and assume minimum interest rates and
maximum policy charges are applied in all policy years.
Nonguaranteed values are based on interest rates and policy
charges that are subject to change. Because of this, we cannot
promise that your actual policy values will match the
nonguaranteed values in this illustration.
Length of Coverage
If your policys cash value drops below a certain level, your policy
will lapse unless you pay additional premium or lower your policy
benefits. If your policy lapses, you will lose the death benefit,
you will no longer be able to take money from your policy, and
you may owe income taxes on the money you took out
(including any loan balance).
In this illustration, your length of coverage will vary based on the
assumptions used. Your projected lapse years for the
guaranteed and nonguaranteed scenarios are shown in the
Numeric Summary.
Guarantees are backed by the financial strength and claimspaying ability of Allianz Life Insurance Company of North
America.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 2 of 25
OVERVIEW
How Allianz Life Pro+ Works

Allianz Life Pro+ is a fixed index universal life insurance policy that provides a death benefit to your
beneficiary(ies) that is income tax-free. It also provides tax deferred growth potential.
Three Death Benefit Options
Taking Money Out
Option A is equal to the specified amount of your policy.
While the insured is still living, you can take money from your
policy in a number of ways.
Option B is equal to the specified amount of your policy plus the

accumulation value.
Option C is equal to the specified amount of your policy plus the
total premium you have paid into the policy.
Option A is the default death benefit option if you do not make a
selection on your application. Regardless of the death benefit
option you choose, any outstanding loan balance will reduce the
death benefit.
Lapse Protection
When you buy your policy, your policy will be guaranteed to
remain in force for 10 policy years so long as the total premiums
you have paid into the policy (less any surrenders and
outstanding loan balance) exceed the total minimum monthly
premiums due. Note that as long as the total premium paid
meets this policy protection test, you do not have to pay the
minimum monthly premium each month.
How Your Policy Value Can Grow

The values in your policy can earn interest. Any interest credited
to your policy accumulates tax-deferred, and is only taxable if you
take certain distributions from your policy.
Policy loans Subject to certain restrictions and costs, you may be

able to take a loan from your policy.
Partial surrenders You may also have the ability to withdraw
money from your policy. Partial surrenders must be at least $500
and may incur a charge of up to $50.
Accelerated benefits If the insured meets certain conditions, you
may be able to access some or all of the death benefit.
Full surrender You also have the option to surrender, or cancel,
your policy and receive the cash value. Surrender charges will
apply during the first 10 policy years.
Policy loans and withdrawals will reduce available cash values and
death benefits and may cause the policy to lapse, or affect
guarantees against lapse. Additional premium payments may be
required to keep the policy in force. In the event of a lapse,
outstanding policy loans in excess of unrecovered cost basis will be
subject to ordinary income tax. Tax laws are subject to change.
You should consult with a tax professional.
Policy Charges
We deduct charges from your policy to offset various expenses we
incur in connection with a life insurance policy including, but not
limited to, the expenses of underwriting, issuing and
administering the policy, agent compensation, and the mortality
risks we assume.
Allianz Life: Over 115 years old and still going strong.
Since 1896, we've had the strength and stability to fulfill our promises. Through bull markets and bear
markets, we've stayed true to our careful planning, disciplined investing, and risk management expertise.
That's why we're well positioned for what's ahead.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 3 of 25
Rates and Assumptions used in your life

insurance policy illustration
Your Policy Profile
Insured: Jesus Gavioloa, Male, 53, Standard Nontobacco
B (Increasing) to A (Level), beginning of policy year 13
Initial Premium: $2,640.00
Planned Monthly Premium: $220.00
Total Lump Sum: $0.00
Total 1035 Exchange: 0.00
Minimum Monthly Premium: $217.08
Your Optional Riders
OVERVIEW
Your Illustrated Rates

The maximum illustrated rate for each index allocation is its
average annual index rate or 8.5%, whichever is less. The following
table shows the assumptions used to determine the maximum
illustrated rate.
Standard Index Allocations
Annual point-to-point
Annual point-to-point ||
Barclays US Dynamic
Balance Index
S&P 500 Index
Monthly average
Blended Index
Loan Protection Rider*
Avg. annual
index rate
0%
0%
11.00% / 100%
15.00% / 100%
6.69%
8.12%
% allocated
Current par.rate/
floor
Avg. annual
index rate
0%
100.00% /2.00%
7.48%
Current par.rate
Avg. annual
index rate
Annual point-to-point ||| % allocated

Barclays US Dynamic
Balance Index
100%
with annual floor
% allocated
Blended Index
0%
Monthly sum
Current cap/
par.rate
S&P 500 Index

Blended Index
The illustrated policy values have been reduced by the cost of these
riders and benefits unless marked with an asterisk (*).
Chronic Illness Accelerated Benefit Rider*
% allocated
Trigger
130.00%
9.24%
Current cap/
par.rate/floor
Avg. annual
index rate
9.50% / 100%/ 2.00%
6.46%
% allocated
Current cap/
par.rate
Avg. annual
index rate
0%
3.80% / 100%
7.90%
Current par.rate
Avg. annual
index rate
% allocated
0%
145.00%
6.51%
% allocated
Current trigger
interest rate
Avg. annual
index rate
0%
8.00%
5.70%
% allocated
Current cap/
par.rate
Avg. annual
index rate
0%
19.00% / 115%
9.82%
% allocated
Current fixed
interest rate
0%
4.40%
S&P 500 Index
Select Index Allocations

Blended Index
Fixed Allocations
Fixed Interest
The average annual index rate is determined by applying the

current (nonguaranteed) caps, participation rates, floors, and/or
trigger interest rates to the most recent 25 full calendar years of
historical index performance.
Keep in mind that past performance is not a prediction of future
results. Different time periods and different indexes will produce
higher or lower averages, and actual credited rates will vary from
year to year. Also, caps, participation rates, floors, and trigger
interest rates are subject to change on any policy anniversary.
Illustration scenarios
The assumptions used in your illustration ledgers will vary based on
the scenario that applies for each ledger.
Current Scenario
The interest rates used in the current scenario are chosen by you
and your financial professional and are subject to the maximum
illustrated rates described above.
Policy charges
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Policy years
1-Maturity
Policy years
All policy years
Page 4 of 25
OVERVIEW
Guaranteed Scenario
The interest rates used in the guaranteed scenario are the rates
credited to the guaranteed accumulation value.
Interest rates
1.50% (guaranteed)
Policy charges
Maximum guaranteed
Policy years
All policy years
Policy years
All policy years
Moderate Scenario
The interest rates used in the moderate scenario are the average of
the current interest rates and 0% and are subject to a 3% maximum.
Policy charges
Policy years
1-Maturity
Policy years
All policy years
Midpoint Scenario
The interest rates used in the midpoint scenario are the average of
the current interest rates and 0%.
Policy charges
Average of current
(nonguaranteed) and
guaranteed
Policy years
1-Maturity
Policy years
All policy years
Your Chosen Loan Allocations

Loans are assumed to be taken at the beginning of the policy year
and are allocated as indicated below.
Loan type
% allocated
Indexed
Fixed
100%
0%
Illustration timing
Premiums are assumed to be paid at the beginning of the year (or
of each modal period if non-annual), and are immediately allocated
to the allocations you choose. Withdrawals and loans are assumed
to be taken at the beginning of the policy year.
Policy values are illustrated as of the end of the year.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 5 of 25
POLICY DESCRIPTION
Understanding Policy Value
Earning Interest
Your policy has four different values, each of which is used for its
own purposes.
When you buy your policy, you can choose to allocate your current
value among several allocations. You can put all your current value
in one allocation or divide it up among multiple allocations.
Accumulation Value
Accumulation value is equal to the greater of the current value or
the guaranteed accumulation value.
Current Value
Current value reflects the money you put into the policy (less
premium charges) plus any fixed and/or indexed interest earned,
minus any money taken out (such as surrenders and policy
charges). Interest earned and policy charges are based on current
(nonguaranteed) rates that can change throughout the life of your
policy.
Guaranteed Accumulation Value

Guaranteed accumulation value is similar to the current value,
except it earns fixed interest only and incurs policy charges at
guaranteed rates. The 1.50% minimum fixed interest rate, and the
maximum policy charges are applied in all policy years.
Cash Value
Cash value is the amount you would get if you cancelled (cashed
in) your policy. Its equal to your accumulation value minus the
full surrender charge and any outstanding loan balance.
Premium
Allianz Life Pro+ has different measures of premium, each of
which is used for its own purposes.
Planned premium. When you buy your policy, you specify your
planned premium, which is the amount of premium you plan to
pay each policy year. You can pay more or less than the planned
premium in any policy year. You can change the amount of your
planned premium once per policy year. The change will be
effective on the next monthly anniversary.
Base premium. During the first policy year, your base premium is
equal to your planned premium. In later years, its equal to the
lesser of your planned premium and the actual amount of
premium you paid during the previous policy year.
Minimum monthly premium. Minimum monthly premium is
used during the first 10 policy years to determine if your policy
passes the policy protection test, as described earlier in this
document.
Current value tied to premium you pay each year up to the base
premium will be placed in the allocations according to your
allocation choices. Any current value tied to premium you pay in
excess of the base premium will be placed in an interim allocation
where it will earn fixed interest until the end of the policy year. At
that time, we will distribute the interim current value to your
allocations according to your choices.
You can change your allocation once a policy year, by sending a
request to us during the first 21 days of the policy year. You can
send a request to change your allocation at other times, but your
request wont be processed until the beginning of the next policy
year.
Once the insured reaches age 120, we allocate 100% of the current
value to the fixed allocation.
The Fixed Allocation

With this allocation, we credit interest to the current value at a
specified interest rate. The interest rate can be reset at the
beginning of each policy year, although some policy years it may
not change. And no matter what, it will always be at least 1.50% per
policy year. Interest is credited to current value in the fixed
allocation 365 days a policy year.
Indexed Allocations
With these allocations, how much interest we credit to your current
value depends on the performance of an external index (or indexes)
and which interest crediting method you choose.
We offer standard index options and select index options. Select
index options offer higher caps and/or participation rates than their
corresponding standard index options in return for an allocation
charge. The available crediting method and index combinations are
shown below.
Standard Indexes
Available crediting methods
S&P 500 Index
Annual point-to-point, monthly sum, trigger

method
Blended Index
Annual point-to-point, annual point-to-point with

annual floor, monthly average
Barclays US
Dynamic Balance
Index
Annual point-to-point ||, annual point-to-point |||
Select Indexes
Available crediting methods
Blended Index
The blended index is comprised of Dow Jones Industrial Average

(35%), Barclays U.S. Aggregate Bond Index (35%), EURO STOXX 50
Index (20%), and Russell 2000 Index (10%).
We credit interest to your current value in an indexed allocation
once a policy year, on the last day of each policy year.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 6 of 25
POLICY DESCRIPTION
Please note: Although external indexes may affect your policy

values, this policy does not participate in any stock or
investments, and you are not buying shares of any stock or
index.
Annual Point-to-Point Crediting with a Floor. For this method, we

start by setting an annual cap and an annual floor. They can be
reset every policy year, but the annual cap will never be less than
2.5% and the annual floor will never be less than 1%.
Crediting Methods
We determine the interest rate using the same calculations

described above for the blended index, and also apply the annual
floor in the final step. Your annual interest rate will always be
between the floor and the cap amount.
Allianz Life Pro+ gives you different options for determining how
external index performance will translate into the amount of
interest credited. For all crediting methods, we determine the
interest rate on the last day of each policy year.
Annual Point-to-Point Crediting For each indexed allocation with
this method, we start by setting an annual cap, which is the
maximum possible interest rate for the policy year. The annual
cap can be reset every policy year, but it will never be less than 3%.
Your annual interest rate will always be between 0.00% and the
cap amount.
For each single index option, we look at the change in the external
index for the policy year. If the index went up more than the cap
percentage, your interest rate will be equal to the cap for the
option. If the index went down, your interest rate will be 0.00%. If
the index change is somewhere between 0.00% and the cap, then
your interest rate is the same as the change of the index.
For the blended index option, we look at the change in each
external index for the policy year. We multiply each index change
by the corresponding index weight. We then add up the four
weighted index changes, and apply the cap and 0.00% minimum
to determine your interest rate.
Annual Point-to-Point Crediting ||. For this method, we start by
setting a participation rate and an annual floor. They can be reset
every policy year, but the participation rate will never be less than
10% and the annual floor will never be less than 1%.
We then look at the change in the external index for the policy
year and multiply the change by the participation rate. If the result
is more than the annual floor, your interest rate will be equal to the
result. Otherwise, your interest rate for that year will be equal to
the annual floor.
Monthly Sum Crediting. For each indexed allocation with this

method, we start by setting a monthly cap. The monthly cap can be
reset every policy year, but it will never be less than 1%.
For each single index option, we look at the external index change
every policy month. If it went up more than the cap percentage, we
record the cap as your change for the month. If the index went up
less than the cap percentage, or it went down, we record the index
change as your number for the month.
At the end of each policy year, we add up the change percentages
for the 12 months, both positive and negative. If the result is
positive, that result is the interest rate we credit for the policy year. If
the result is negative, your interest rate will be 0.00%.
Monthly Average Crediting. With this method, we start by setting a
participation rate. The participation rate can be reset every policy
year, but it will never be less than 25%.
We perform the following calculations for each external index in
the blended index: We look at the value for each external index at
the end of every policy month and determine an average for the 12
months. We calculate the change between the index value for the
beginning of the policy year and the average index value, and then
multiply the index change by the corresponding index weight.
After performing the above calculations for each index, we add up
the four weighted index changes, and then multiply by the
participation rate.
If the result is a positive number, that number is the interest rate for
the policy year. If the result is negative, your interest rate will be
0.00%.
Annual Point-to-Point Crediting |||. For this method, we start by

setting a participation rate. The participation rate can be reset
every policy year, but it will never be less than 10%.
Trigger Method Crediting. With this method, we start by setting a

trigger interest rate. The trigger interest rate can be reset every
policy year, but it will never be less than 2.5%.
We then look at the change in the external index for the policy
year and multiply the change by the participation rate. If the result
is more than 0.00%, your interest rate will be equal to the result.
Otherwise, your interest rate for that year will be 0.00%.
At the end of each policy year, we look at the change in the external
index for the policy year. If the index change was zero or more, your
interest rate will be equal to the trigger interest rate. If the index
went down, your interest rate will be 0.00%.
Crediting Method Insights

Annual Point-to-Point, Trigger Method
Monthly Sum
Monthly Average
These crediting methods use the index value

from only two points in time. Changes in the
index throughout the policy year do not
directly impact the indexed interest rate.
Steady monthly increases will generally add up

to a positive indexed interest rate. One or
more sharp monthly decreases can offset
positive monthly increases and result in a
0.00% indexed interest rate.
If the index value was usually higher than the

beginning index value, the indexed interest
rate will generally be positive. Sharp index
drops can weigh down the average index
value and result in a 0.00% indexed interest
rate.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 7 of 25
Loans, Surrenders, and Accelerated

Benefits
With Allianz Life Pro+, you can access your policys value while the
insured is still living in a number of ways. If you take a policy loan,
surrender, or accelerated benefit from your policy, you will
reduce the death benefit and available policy values, and you
may cause the policy to lapse. In addition, you may be required to
pay taxes on the distributions.
POLICY DESCRIPTION
Surrenders
You can also withdraw part of your cash value. Partial surrenders
must be at least $500, and may be subject to a partial surrender
charge of up to $50. Partial surrenders (and any partial surrender
charges) reduce your policy values and death benefit dollar for
dollar. The amount of current value allocated to each allocation
decreases by the same percentage as the overall value decreases.
Before you take a policy loan, surrender, or accelerated benefit

from your policy, please ask a knowledgeable tax or legal advisor
about your own situation.
If you take a partial surrender from an indexed allocation with a

positive interest rate, we will credit prorated interest to your current
value at the end of the policy year in which the surrender occurs.
(Because the fixed allocation credits interest every day, interest will
already be credited when the surrender is processed.)
Policy Loans
Terminal Illness Accelerated Benefit
Policy loans reduce your cash value and death benefit dollar for
dollar. If you do not pay loan interest when it is due, your loan
balance will increase, and the interest will reduce your cash value
and death benefit dollar for dollar.
Accelerated benefits reduce your policy values as described in the

policy.
When you take a policy loan, we link it to your current value in the
same percentages that your current value is allocated. You may
also choose to have your policy loan allocated differently than your
current value on any policy anniversary. You may change the type
of loan you have on any policy anniversary by reallocating your
policy loan. If you do so, the current value linked to the policy loan
will be reallocated in the same percentages. We must receive your
request to reallocate your policy loan during the first 21 days of the
policy year. You can send a request to change your policy loan
allocation at other times, but your request wont be processed
until the beginning of the next policy year.
Under the base policy, you may take a portion of the death benefit
in a lump sum if the insured becomes terminally ill and you have
not already taken an accelerated benefit payment under the policy
or any attached riders. You will receive a payment equal to the
accelerated benefit amount discounted for one half years interest
using a 1.96% discount rate.
The accelerated benefit payment must be at least $10,000 and
cannot exceed the death benefit (or $1 million, whichever is
smaller). If you accelerate less than the full death benefit, the
remaining death benefit must be at least $10,000.
Once the insured reaches age 120, we allocate 100% of the

current value (including any loan balance) to the fixed allocation.
Loan interest is charged in advance and credited at the end of the
policy year, based on the allocation the loan is linked to.
Rate charged at the Rate credited at the end
Allocation beginning of the policy year
of the policy year
Indexed
allocation 5.00%
Indexed interest rate
3.85% during the first 10
Fixed
policy years
allocation 1.96% thereafter
2%
Both types of loans charge a set rate each year. The net cost of a
fixed loan will always be negative during the first 10 policy years
and neutral thereafter. The net cost of an indexed loan could be
positive or negative, depending on the indexed interest rate at
the end of the year. Therefore, indexed loans are more risky
than fixed loans, and will increase the impact of poor index
performance on your policy.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 8 of 25
POLICY DESCRIPTION
Policy Charges
Death Benefit
Your policy has four types of charges: premium charges, monthly

deductions, select index allocation charges (if you allocate to
select index options), and surrender charges.
Your beneficiaries can take the death benefit in a lump sum, income
tax-free payment, or as a stream of income payments. If your
beneficiaries choose an income stream payout option of at least 10
years, Allianz Life Pro+ will increase the death benefit by 10%.
Premium charges. We will deduct a premium charge of 5% as

premium is paid into the policy.
Monthly deductions. We will deduct a monthly deduction from
your current value and guaranteed accumulation value at the
beginning of each policy month. Monthly deductions include an
insurance cost charge, rider charges, a policy charge, and an
expense charge.
Please note: The part of the income payment representing the

death benefit is income tax-free; the remainder of the payment is
taxable to the beneficiary.
Making Policy Changes
Rider charges will vary depending on your selection of optional

riders.
After your policy is issued, you may decide to make a change to your
policy. Changes typically fall under two categories: material
changes and reductions in benefits. Before you make either type of
policy change, we recommend that you request a new policy
illustration, and then review your policy with a knowledgeable tax or
legal advisor.
The policy charge is $7.50 per policy.
Material Changes
The expense charge is a per $1,000 charge of your policy's

specified amount, and is based on factors such as the insureds
gender, age, specified amount, and risk class.
The following policy changes are considered material changes:
The insurance cost charge is based on factors such as the

insureds gender, age, specified amount, and risk class.
Select index allocation charges. When you allocate your current

value to a select index option, we deduct an allocation charge from
the current value in that option at the beginning of each policy
month. The allocation charge is equal to 0.083% of the current
value in that select index option. The allocation charge will not
decrease the guaranteed accumulation value.
Surrender charges. If you cancel your policy, you will receive the
cash value, which is equal to the accumulation value minus the full
surrender charge and any outstanding loan balance. Surrender
charges are based on factors such as the insureds gender, age,
specified amount, and risk class, and will apply during the first 10
policy years. Also, if you take a partial surrender, it may be subject
to a partial surrender charge of up to $50.
Policy Lapse
If the cash value is less than the amount of a policy charge due,
and your policy does not pass the policy protection test as
described earlier in this document, your policy will enter a 60-day
grace period. If you do not send us premium sufficient to keep the
policy in force by the end of the grace period, your policy will lapse.
Death benefit increase If you increase your policys death benefit,

your minimum monthly premium will increase. In addition, if you
request the increase during the first five policy years, a new
surrender charge schedule will begin for the increase at that time.
Change in death benefit option After the first policy year, you may
change your death benefit option. The new death benefit option will
be effective on the next monthly anniversary. You cannot change to
Option C after issue, and you cannot change from Option C to
Option B.
Change of risk class If the insureds rate class improves from
tobacco to nontobacco after you buy your policy (subject to
underwriting), minimum monthly premiums and insurance cost
charges will decrease.
Add a rider If you add a rider, your minimum monthly premium will
increase.
Keep in mind, if your minimum monthly premium increases, you
may need to pay additional premium to protect your policy from
lapse. In addition, if you make any of the above material changes,
a new seven-year premium limitation will begin at that time, and
you will have new premium limitations under Section 7702A of
the Internal Revenue Code.
If your policy lapses, you will lose the death benefit, you will no
longer be able to take money from your policy, and you may
owe income taxes on the money you took out (including any
outstanding loan balance).
Under certain circumstances, we may allow a policy reinstatement
within three years of the policy lapse.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 9 of 25
POLICY DESCRIPTION
Reductions in benefits
Life Insurance Taxation
The following changes are considered reductions in benefit:
Interest: Any interest you earn will be tax deferred, meaning you
will not owe taxes unless you take a taxable distribution from your
policy.
Death benefit decrease

Remove a rider
If you request a reduction in benefit within the seven-year
premium limitation period, the 7-pay premium will be
recalculated to reflect the reduced benefit. The reduced 7-pay
premium will be applied as if the policy had originally been issued
at the reduced benefit level.
We will refund any premium that exceeds the life insurance
qualification limits under Section 7702A of the Internal Revenue
Code to prevent the policy from becoming a MEC.
Federal Taxes
Everyones tax situation is different; we suggest that you ask a
knowledgeable tax or legal advisor about your own tax situation.
We do not give legal or tax advice, but for your convenience, we
provide the following general information on federal taxes. (Be
aware that you could have state tax considerations as well.)
This policy is intended to comply with the definition of life
insurance in Section 7702 of the Internal Revenue Code. When
you buy your policy, you must specify whether you want the
guideline premium test (GPT) or the cash value accumulation test
(CVAT) to use to qualify your policy as life insurance. Once you
choose a test, you cannot change it.
The most common test used for Allianz Life Pro+ is GPT, which
specifies the maximum amount of premium you can pay into your
policy. The total premiums paid for the policy must not exceed the
guideline single premium or the cumulative guideline level annual
premiums, whichever is greater.
The guideline premiums for this policy are:
Guideline Annual Premium: $7,507.57
Guideline Single Premium: $33,437.77
If you plan to fund your policy with a single premium payment,
CVAT may be the test you choose. This test compares the
relationship between the cash value and death benefit, and
generally allows a larger single premium payment than the GPT.
We will refund any premium that exceeds the life insurance
qualification limits under Section 7702 of the Internal Revenue
Code. We make this determination based on our interpretation of
tax law.
The tax treatment of life insurance under federal tax law is subject
to change. You should review the tax status of your policy with a
knowledgeable tax or legal advisor each year.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Loans: Unless your policy is a MEC (which we describe later), loans

will not be subject to tax while your policy is in force. However, if
your policy lapses, you take a full surrender, or you transfer,
exchange, or assign your policy, outstanding policy loans in excess
of un-recovered cost basis will be subject to ordinary income tax.
Surrenders: Unless your policy is a MEC (which we describe later),
surrenders you take from your policy will be treated as if the cost
basis is distributed first. This means you will not be taxed on the
money you take until the entire cost basis has been distributed and
you begin to withdraw interest.
Accelerated benefits: Qualified accelerated benefits that you
receive generally will not be subject to taxation under Section
101(g) of the Internal Revenue Code.
Please be aware that the receipt of an accelerated benefit may
affect your rights to receive certain public funds, such as Medicare,
Medicaid, Social Security, and Supplemental Security Income (SSI).
Modified Endowment Contracts

In order to receive favorable federal tax treatments on distributions
taken during the lifetime of the insured, the total premiums you pay
into the policy must satisfy the 7-pay premium limitation.
Otherwise, your policy could be considered a Modified Endowment
Contract (MEC). Making policy changes that are material changes or
reductions in benefits may also result in your policy becoming a
MEC.
If you take a distribution from a MEC, we must first distribute any
interest you have earned in your policy. Interest will be taxed as
ordinary income. In addition, with certain exceptions, there will be
an additional 10% federal tax assessed if a distribution is taken
before the owner turns age 59 .
If your policy becomes a MEC after the issue date, there will be a
look back on any distributions you took during the last two years.
Those distributions will be taxed as if your policy was a MEC when
the distributions were taken.
7-pay premium limitation. Your policy has a 7-pay premium
limitation during the first seven policy years. To satisfy this
requirement, the total premiums you have paid into the policy at
any time must not exceed the sum of the
7-pay annual premiums at that point in time. Your 7-pay annual
premium is $6,225.99.
Page 10 of 25
Available Riders
The following optional benefits may be available to you at an
additional charge. Unless otherwise noted, riders must be
selected on your original policy application/worksheet.
Chronic Illness Accelerated Benefit Rider

PR95357-TX, Illustrated
The Chronic Illness Accelerated Benefit Rider is available for all issue
ages, subject to underwriting. It pays a discounted portion of the
death benefit in a lump sum if the insured becomes chronically ill
and symptoms persist for more than 90 days. The chronic illness
must manifest on or after the issue date or the insureds 18th
birthday, whichever is later.
If there is an outstanding loan balance, a portion of the chronic
illness benefit payment will be used to reduce the loan balance.
If you request a chronic illness accelerated benefit payment, the
remaining death benefit must be at least equal to the minimum
residual death benefit shown on the policy schedule. Total
payments cannot exceed the death benefit (or $1 million,
whichever is smaller). If you own multiple Allianz policies, the total
accelerated benefits paid cannot exceed $1 million for all Allianz
policies. There is no charge for this rider.
Waiver of Specified Premium Rider

PR95299-TX, Not Illustrated
This rider credits a waiver amount to your policy when the insured
becomes totally disabled and symptoms persist for six months.
Waiver credits can continue to age 120 if the disability persists.
Waiver credits do not guarantee protection from policy lapse; you
may need to pay additional premium to keep your policy in force.
This rider will terminate on the policy anniversary after the insured
turns 65 if the insured is not totally disabled at that time.
The monthly rider charge for this benefit is a percentage of the
waiver amount, and is based on the insureds gender, age, and risk
class.
Additional Term Rider

PR95359, Not Illustrated
The Additional Term Rider provides annual renewable term
insurance up to a specific multiplier of the face amount (based on
the multiplier available at the time of purchase), which combined
with the base death benefit cannot exceed $65 million. The
minimum term insurance amount that can be purchased is
$25,000.
The monthly rider charge for this benefit is a percentage of the rider
specified amount, and is based on the insureds gender, age, rider
specified amount, and risk class.
Child Term Rider

With this rider, you can purchase up to $10,000 term insurance
coverage for each of the insured's children. Coverage can begin for
any child between 15 days old and age 21, and can continue until
the policy anniversary after the child turns 25 or the policy
anniversary after the insured turns 65 (whichever is earlier).
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
POLICY DESCRIPTION
After coverage has been in effect for 10 policy years, the policy
anniversary after a child turns 25, or the policy anniversary after the
insured turns 65 (whichever is earlier), coverage can be converted
to an approved Allianz permanent insurance policy without medical
underwriting.
You can add this rider to your policy at issue, or on the policy
anniversary following the birth or adoption of the insureds first
child. The monthly rider charge for this benefit is a percentage of
the rider specified amount.
Other Insured Term Rider

This rider provides annual renewable term insurance for up to four
of the insureds family members, with a combined death benefit up
to four times the base specified amount (or $1 million, whichever is
smaller). Coverage can continue until the policy anniversary after
the family member turns 100. The family members will be subject
to underwriting and must be approved by Allianz. The minimum
death benefit is $25,000 for standard risk classes and $100,000 for
preferred risk classes.
You can add this rider to your policy at issue, or on any policy
anniversary until the insured turns 100. This rider will terminate on
the policy anniversary after the insured turns 100.
The monthly rider charge for each other insureds coverage is a
percentage of the other insureds rider specified amount, and is
based on the other insureds gender, age, rider specified amount,
and risk class.
Enhanced Liquidity Rider

With this rider, you can waive either 100% or 50% of the full
surrender charges on your policy.
specified amount, and is based on the insureds gender, age,
specified amount, and risk class.
Enhanced Cash Value Rider

This rider guarantees a minimum cash value during the first nine
policy years, equal to a percentage of the total premium paid. Your
policy must pass the policy protection test to be eligible for this
benefit. This rider will terminate if you take an accelerated benefit
or you assign or transfer ownership of your policy.
specified amount, and is based on the insureds gender, age, and
risk class.
Premium Deposit Fund (PDF) Rider

With this rider, you can fund your life insurance policy with a single
deposit to the PDF. At the beginning of the first policy year, we
withdraw your planned premium amount from the PDF to pay into
your policy. At the beginning of subsequent policy years, we
withdraw discounted amounts from the PDF to pay your annual
planned premiums. The discount rate will be declared on an annual
basis and will never be less than 0.25%.
Page 11 of 25
POLICY DESCRIPTION
When you deposit money into the PDF, you must pay enough to
fund at least three transfers, and there is a 10 transfer maximum.
After the last transfer, if there is value remaining in the PDF, we will
pay you the excess. If the amount credited to the policy is less than
the amount required to keep your policy in force, you may need to
pay additional premium to keep your policy in force.
We will pay you the remaining value in the PDF if the rider
terminates. Conditions for termination are described in the PDF
rider. There is no charge for this rider.
Inflation Protection Rider

After you exercise the Inflation Protection Rider, we will credit
earned inflation credits to the current value and the guaranteed
accumulation value at the end of each policy year for 20 policy
years. Credits will be based on changes in the CPI-U index. Once
credited, subsequent annual credits will never decrease. This rider
may be exercised on or after your first policy anniversary. The rider
charge begins when you exercise the rider and stops after 20 policy
years.
Loan Protection Rider

PR95298, Illustrated
The Loan Protection Rider helps prevent policy lapse due to policy
loans. If your outstanding loan balance equals or exceeds 90% of the
accumulation value and you meet the benefit eligibility conditions,
you may exercise the loan protection benefit.
This rider is automatically added to your policy unless you opt out
on the Numeric Summary page later in this document. There is no
charge for this rider until it is exercised. Once exercised, there is a
one-time charge, which is a percentage of the accumulation value.
Please note: This policy may be purchased with the intent to
accumulate cash value on a tax-deferred basis, then take periodic
loans until the loan balance is just below the cash value, and then
rely on the Loan Protection Rider to keep the policy in force until the
death of the insured. Anyone considering this strategy should be
aware that neither the Internal Revenue Service nor the courts have
ruled on this strategy, and it may be challenged on the grounds that
the policy has effectively lapsed or been exchanged. If so, loans may
be treated as taxable distributions when the rider is exercised. In
that event, if policy loans were not already taxed when they were
taken, a significant tax liability could arise.
General rider information

Rider termination
Rider charges and taxes
Rider availability
If you transfer, exchange, or assign

ownership of your policy, make a policy
change, take an accelerated benefit or
partial surrender, or if your policy becomes
a MEC, certain rider benefits may
terminate. Please read your policy riders
carefully before making a change that
could affect your rider benefits.
In a limited number of situations, the

amount deducted from your policy to pay
monthly rider charges may be taxable
(including a 10% federal additional tax if your
policy is a MEC). You should consult a tax
advisor prior to choosing a rider with a rider
charge.
You may not be able to choose every rider

described above. The riders must be
selected on your original policy
application/worksheet except for the Child
Term Rider and Other Insured Term Rider.
The specific riders issued with your policy will
be shown on your policy schedule.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 12 of 25
Definitions
Age
The insured's age at the end of the policy year.
Chronically ill
Certification by a licensed health practitioner that:
Due to a loss of functional capacity, the insured individual is
unable to perform at least two activities of daily living (bathing,
continence, dressing, eating, toileting, and transferring) without
substantial assistance, and substantial assistance is expected to be
required for at least 90 continuous days; or
Due to a cognitive impairment, the insured individual requires
substantial supervision.
Distributions
The total policy loans, partial surrenders, and accelerated benefits
you take. Distributions are assumed to be taken at the beginning
of the policy year.
Loan Charges
The interest charges for the loans you take. Loan charges are
taken at the beginning of the policy year and based on your
chosen loan allocations.
Loan Credits
The amount of fixed and/or indexed interest credited to the
portion of current value that is linked to a loan.
Net Distributions
Loan repayments less the total policy loans, partial surrenders, and
accelerated benefits you take.
Policy Charges
The sum of all premium charges, policy fees, per unit charges, cost
of insurance charges, asset based charges, and rider charges.
Note: Loan charges are not considered policy charges.
POLICY DESCRIPTION
Totally Disabled
During the first 24 months of a benefit, the complete and
continuous inability of the insured to perform the duties of the
insured's occupation as a result of injury or sickness that requires
the regular care of a physician.
After the benefit has been in effect for 24 months, the complete
and continuous inability of the insured to perform the duties of
any occupation for which the insured is reasonably qualified by
education, training, or prior experience as a result of injury or
sickness that requires the regular care and attendance of a
physician. The insured will not be considered totally disabled solely
because of the loss or restriction of the insureds license to engage
in the insureds occupation.
Life Insurance Cost Information

Year
10
20
NET PAYMENT COST INDEX

Guaranteed
Current
$24.95
$0.00
SURRENDER COST INDEX

Guaranteed
Current
$24.28
$17.84
$17.77
$0.00
$11.21
$11.71
These cost indexes are calculated as prescribed by the National

Association of Insurance Commissioners, and reflect the time
value of money at 5%. The values shown include the cost of
additional benefits.
The guaranteed costs assume minimum interest rates and
maximum charges are applied in all policy years. The current costs
assume current (nonguaranteed) interest rates and charges are
applied in all years.
Sound Ratings
The ratings Allianz receives from independent rating
organizations confirm our financial strength. These independent
agency ratings are based on an analysis of financial results and an
evaluation of management objectives and strategies. The ratings
do not indicate approval by the analysts and are subject to change.
Organization
Rating
Rank
Affirmed
A.M. Best
A (Excellent)
3 of 16
July 2014
Standard & Poors
AA (Very strong)
3 of 21
February 2014
Moodys
A2 (Good)
6 of 21
March 2014
Policy Credits
For the current and moderate scenarios: the fixed and/or indexed
interest credited to the current value. For the guaranteed
scenario: the interest credited to the guaranteed accumulation
value.
Premium Outlay
Premium paid. Premiums are assumed to be paid at the beginning
of the year (or of each modal period if non-annual), and are
immediately allocated to the allocations you choose. A negative
amount under Premium Outlay in any year reflects premium
refunded in order to preserve the favorable tax treatment of the
policy as life insurance under federal tax law.
Terminal Illness
A diagnosis by a physician of a medical condition that is expected
to result in the death of the insured within 12 months.
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 13 of 25
Basic Ledger, Guaranteed Scenario

benefits specified in this illustration, this policy will lapse in year 15, unless you pay
additional premium or lower your policy benefits.
Guaranteed Scenario Assumptions

Interest rates
Policy years
1.50% (guaranteed)
All policy years
Policy charges
Policy years
Maximum guaranteed
All policy years
Guaranteed Values
Age
End of
policy
year
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
Premium
outlay
Net
distributions
Policy
credits
Policy
charges
Loan
charges
Accumulation
value
Cash
value
Death
benefit
1
2
3
4
5
6
7
8
9
10
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$10
$29
$47
$64
$81
$97
$112
$126
$139
$150
$1,371
$1,428
$1,492
$1,559
$1,623
$1,688
$1,763
$1,855
$1,967
$2,097
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,279
$2,520
$3,715
$4,861
$5,959
$7,008
$7,997
$8,909
$9,721
$10,414
$0
$0
$664
$2,191
$3,671
$5,101
$6,472
$7,765
$8,959
$10,033
$101,279
$102,520
$103,715
$104,861
$105,959
$107,008
$107,997
$108,909
$109,721
$110,414
11
12
13
14
15
$2,640
$2,640
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$159
$167
$161
$138
$79
$2,240
$2,389
$2,242
$2,422
$1,741
$0
$0
$84
$172
$265
$10,973
$11,391
$9,311
$7,027
$0
$10,973
$11,391
$7,545
$3,406
$0
$110,973
$111,391
$98,234
$96,379
$0
This illustration is not an offer, contract, or promise of future policy performance. Actual policy values may be more or less favorable than the nonguaranteed values
shown. Coverage is subject to the terms and conditions of the policy. The assumptions on which this illustration is based are subject to change on an annual basis. This
illustration is not valid without all 25 pages.

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 14 of 25
Basic Ledger, Current Scenario

benefits specified in this illustration, this policy will mature in year 67. Illustrated
loans are shown as 100% participating (indexed) loans.
See the Basic Ledger, Guaranteed Scenario on the preceding pages for an
illustration of guaranteed values.
Current Scenario Assumptions

Policy years
1-Maturity
Policy charges
Policy years
All policy years
Age
End of
policy
year
54
55
56
57
58
59
60
61
62
63
Premium
outlay
Net
distributions
Policy
credits
Policy
charges
Loan
charges
Accumulation
value
Cash
value
Death
benefit
1
2
3
4
5
6
7
8
9
10
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$57
$166
$279
$398
$522
$653
$796
$949
$1,114
$1,294
$1,230
$1,270
$1,314
$1,360
$1,405
$1,401
$1,396
$1,388
$1,373
$1,346
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,467
$3,003
$4,608
$6,285
$8,042
$9,934
$11,973
$14,173
$16,555
$19,143
$0
$0
$1,557
$3,615
$5,754
$8,027
$10,448
$13,029
$15,793
$18,762
$101,467
$103,003
$104,608
$106,285
$108,042
$109,934
$111,973
$114,173
$116,555
$119,143
64
65
66
67
68
69
70
71
72
73
11
12
13
14
15
16
17
18
19
20
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,514
$1,771
$1,946
$2,050
$2,157
$2,268
$2,384
$2,506
$2,633
$2,767
$707
$762
$538
$588
$642
$700
$741
$783
$826
$870
$0
$0
$84
$172
$265
$362
$465
$572
$685
$803
$22,591
$26,239
$27,647
$29,109
$30,624
$32,193
$33,836
$35,559
$37,367
$39,264
$22,591
$26,239
$25,881
$25,489
$25,057
$24,581
$24,078
$23,546
$22,987
$22,399
$122,591
$126,239
$98,234
$96,379
$94,432
$92,388
$90,241
$87,987
$85,620
$83,135
74
75
76
77
78
79
80
81
82
83
21
22
23
24
25
26
27
28
29
30
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$2,907
$3,054
$3,208
$3,370
$3,541
$3,720
$3,906
$4,100
$4,302
$4,513
$921
$973
$1,025
$1,074
$1,118
$1,190
$1,275
$1,361
$1,446
$1,518
$927
$1,058
$1,195
$1,339
$1,490
$1,648
$1,815
$1,990
$2,173
$2,366
$41,251
$43,332
$45,516
$47,813
$50,236
$52,765
$55,396
$58,135
$60,991
$63,986
$21,777
$21,118
$20,425
$19,701
$18,953
$18,152
$17,287
$16,354
$15,354
$14,302
$80,526
$77,786
$74,909
$71,889
$68,717
$65,387
$61,890
$58,219
$54,363
$50,315
84
85
86
87
88
31
32
33
34
35
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$4,735
$4,969
$5,216
$5,480
$5,764
$1,590
$1,641
$1,692
$1,711
$1,687
$2,568
$2,781
$3,004
$3,238
$3,484
$67,131
$70,459
$73,984
$77,753
$81,829
$13,196
$12,061
$10,900
$9,749
$8,659
$46,065
$41,602
$36,916
$31,996
$26,830

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 15 of 25
Basic Ledger, Current Scenario
continued
benefits specified in this illustration, this policy will mature in year 67. Illustrated
loans are shown as 100% participating (indexed) loans.

Policy years
1-Maturity
Policy charges
Policy years
All policy years
Age
End of
policy
year
89
90
91
92
93
Premium
outlay
Net
distributions
Policy
credits
Policy
charges
Loan
charges
Accumulation
value
Cash
value
Death
benefit
36
37
38
39
40
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$6,073
$6,417
$6,808
$7,260
$7,765
$1,597
$1,395
$1,041
$546
$507
$3,743
$4,014
$4,299
$4,598
$4,912
$86,305
$91,327
$97,094
$103,808
$111,066
$7,710
$7,036
$6,823
$7,257
$7,922
$21,405
$15,709
$11,677
$11,410
$11,254
94
95
96
97
98
99
100
101
102
103
41
42
43
44
45
46
47
48
49
50
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$8,313
$8,910
$9,565
$10,276
$11,040
$11,861
$12,744
$13,693
$14,713
$15,810
$424
$279
$90
$90
$90
$90
$90
$90
$90
$90
$5,241
$5,588
$5,951
$6,333
$6,733
$7,154
$7,596
$8,060
$8,547
$9,058
$118,955
$127,587
$137,062
$147,248
$158,198
$169,969
$182,623
$196,226
$210,849
$226,570
$8,887
$10,249
$12,091
$14,263
$16,797
$19,732
$23,108
$26,970
$31,364
$36,344
$11,266
$11,525
$12,091
$14,263
$16,797
$19,732
$23,108
$26,970
$31,364
$36,344
104
105
106
107
108
109
110
111
112
113
51
52
53
54
55
56
57
58
59
60
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$16,989
$18,256
$19,619
$21,084
$22,658
$24,351
$26,170
$28,126
$30,229
$32,490
$90
$90
$90
$90
$90
$90
$90
$90
$90
$90
$9,595
$10,159
$10,751
$11,373
$12,026
$12,711
$13,431
$14,186
$14,980
$15,813
$243,469
$261,635
$281,164
$302,158
$324,726
$348,987
$375,067
$403,103
$433,242
$465,642
$41,965
$48,291
$55,386
$63,325
$72,185
$82,053
$93,021
$105,188
$118,666
$133,570
$41,965
$48,291
$55,386
$63,325
$72,185
$82,053
$93,021
$105,188
$118,666
$133,570
114
115
116
117
118
119
120
61
62
63
64
65
66
67
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$34,919
$37,532
$40,340
$43,359
$46,604
$50,092
$53,842
$90
$90
$90
$90
$90
$90
$90
$16,688
$17,606
$18,571
$19,583
$20,646
$21,763
$22,935
$500,471
$537,913
$578,163
$621,432
$667,945
$717,947
$771,700
$150,030
$168,184
$188,181
$210,184
$234,369
$260,927
$290,062
$150,030
$168,184
$188,181
$210,184
$234,369
$260,927
$290,062

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 16 of 25
Basic Ledger, Moderate Scenario

benefits specified in this illustration, this policy will lapse in year 21, unless you pay
additional premium or lower your policy benefits. Illustrated loans are shown as
100% participating (indexed) loans.
Moderate Scenario Assumptions

Policy years
1-Maturity
Policy charges
Policy years
All policy years
Age
End of
policy
year
54
55
56
57
58
59
60
61
62
63
Premium
outlay
Net
distributions
Policy
credits
Policy
charges
Loan
charges
Accumulation
value
Cash
value
Death
benefit
1
2
3
4
5
6
7
8
9
10
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$23
$65
$108
$150
$192
$235
$279
$325
$373
$422
$1,230
$1,270
$1,314
$1,360
$1,405
$1,401
$1,396
$1,388
$1,373
$1,346
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,433
$2,869
$4,302
$5,731
$7,158
$8,632
$10,154
$11,731
$13,370
$15,086
$0
$0
$1,251
$3,061
$4,870
$6,725
$8,629
$10,587
$12,608
$14,705
$101,433
$102,869
$104,302
$105,731
$107,158
$108,632
$110,154
$111,731
$113,370
$115,086
64
65
66
67
68
69
70
71
72
73
11
12
13
14
15
16
17
18
19
20
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$484
$556
$589
$588
$585
$580
$573
$563
$550
$535
$707
$762
$576
$641
$714
$795
$863
$936
$1,017
$1,106
$0
$0
$84
$172
$265
$362
$465
$572
$685
$803
$17,504
$19,937
$19,950
$19,897
$19,769
$19,554
$19,264
$18,890
$18,424
$17,853
$17,504
$19,937
$18,183
$16,277
$14,201
$11,942
$9,505
$6,878
$4,045
$988
$117,504
$119,937
$98,234
$96,379
$94,432
$92,388
$90,241
$87,987
$85,620
$83,135
74
21
$0
$1,682
$0
$99
$927
$0
$0
$0

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 17 of 25
Policy Loan Ledger, Current Scenario

The nonguaranteed values shown below highlight the loan charges accrued each
year, and use the assumptions shown in the table at the right.
The loan amount shown in this illustration is the maximum you can take without
causing your policy to lapse based on the current scenario assumptions. The actual
loan amount you can take without causing your policy to lapse could be more or
less depending on the interest rate you earn, as shown below.
Scenario
Moderate
Current
Max loan without lapsing policy
$0.00
$1,682.00

Policy years
1-Maturity
Policy charges
Policy years
All policy years
See the Basic Ledger, Guaranteed Scenario on the preceding pages for an illustration of guaranteed values.
Nonguaranteed Values1
Age
End of
policy
year
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Partial
surrender
Fixed
loan
Indexed
loan
Loan
charges
Loan
credits
Outstanding
loan
balance
Cash
value
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$84
$172
$265
$362
$465
$572
$685
$803
$927
$1,058
$1,195
$1,339
$1,490
$1,648
$1,815
$1,990
$2,173
$2,366
$2,568
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$132
$272
$418
$571
$732
$901
$1,078
$1,265
$1,461
$1,666
$1,882
$2,108
$2,346
$2,596
$2,858
$3,134
$3,423
$3,726
$4,045
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,766
$3,621
$5,568
$7,612
$9,759
$12,013
$14,380
$16,865
$19,474
$22,214
$25,091
$28,111
$31,283
$34,613
$38,110
$41,781
$45,637
$49,685
$53,935
$0
$0
$1,557
$3,615
$5,754
$8,027
$10,448
$13,029
$15,793
$18,762
$22,591
$26,239
$25,881
$25,489
$25,057
$24,581
$24,078
$23,546
$22,987
$22,399
$21,777
$21,118
$20,425
$19,701
$18,953
$18,152
$17,287
$16,354
$15,354
$14,302
$13,196

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 18 of 25
continued
Scenario
Moderate
Current
$0.00
$1,682.00

Policy years
1-Maturity
Policy charges
Policy years
All policy years
Age
End of
policy
year
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
Partial
surrender
Fixed
loan
Indexed
loan
Loan
charges
Loan
credits
Outstanding
loan
balance
Cash
value
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$2,781
$3,004
$3,238
$3,484
$3,743
$4,014
$4,299
$4,598
$4,912
$5,241
$5,588
$5,951
$6,333
$6,733
$7,154
$7,596
$8,060
$8,547
$9,058
$9,595
$10,159
$10,751
$11,373
$12,026
$12,711
$13,431
$14,186
$14,980
$15,813
$16,688
$17,606
$18,571
$4,380
$4,731
$5,100
$5,488
$5,895
$6,322
$6,770
$7,241
$7,736
$8,255
$8,800
$9,373
$9,974
$10,605
$11,268
$11,964
$12,694
$13,461
$14,267
$15,113
$16,001
$16,933
$17,912
$18,941
$20,020
$21,153
$22,344
$23,593
$24,905
$26,283
$27,730
$29,249
$58,398
$63,084
$68,004
$73,170
$78,595
$84,291
$90,271
$96,551
$103,145
$110,068
$117,338
$124,971
$132,985
$141,401
$150,237
$159,515
$169,257
$179,485
$190,226
$201,503
$213,344
$225,778
$238,833
$252,541
$266,934
$282,046
$297,915
$314,577
$332,072
$350,441
$369,729
$389,982
$12,061
$10,900
$9,749
$8,659
$7,710
$7,036
$6,823
$7,257
$7,922
$8,887
$10,249
$12,091
$14,263
$16,797
$19,732
$23,108
$26,970
$31,364
$36,344
$41,965
$48,291
$55,386
$63,325
$72,185
$82,053
$93,021
$105,188
$118,666
$133,570
$150,030
$168,184
$188,181

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 19 of 25
continued
Scenario
Moderate
Current
$0.00
$1,682.00

Policy years
1-Maturity
Policy charges
Policy years
All policy years
Age
End of
policy
year
117
118
119
120
64
65
66
67
Partial
surrender
Fixed
loan
Indexed
loan
Loan
charges
Loan
credits
Outstanding
loan
balance
Cash
value
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$19,583
$20,646
$21,763
$22,935
$30,844
$32,518
$34,277
$36,123
$411,247
$433,576
$457,021
$481,638
$210,184
$234,369
$260,927
$290,062
At the current interest rates and current charges, and the premium and policy benefits specified in this illustration, this policy will mature
in year 67. If the amount of indexed interest earned on the loan is less than the assumed rate illustrated, the policy may lapse before the
time illustrated unless you pay additional premium or lower your policy benefits.
1
Policy loans and surrenders will reduce available cash values and death benefits, and may cause the policy to lapse, or affect guarantees
against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans
in excess of unrecovered cost basis will be subject to ordinary income tax. Tax laws are subject to change and you should consult your tax
professional.

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 20 of 25
Historical Index Rate Ledger, Current Scenario (Single Allocation)

The nonguaranteed values shown below are determined by applying the current (nonguaranteed) caps, participation rates, and/or floors to
the most recent 25 full calendar years of historical BUDBI, With Participation Rate performance, using the Annual point-to-point crediting
method.
Keep in mind that past performance is not a prediction of future results. Different time periods and different indexes will produce higher or
lower rates. Also, caps, participation rates, and floors are subject to change on any policy anniversary.
Age
End of
policy
year
Year ending
Premium
outlay
Net
distributions
Annual
index rate
Accumulation
value
Cash
value
Death
benefit
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
12/31/1991
12/31/1992
12/31/1993
12/31/1994
12/31/1995
12/31/1996
12/31/1997
12/31/1998
12/31/1999
12/31/2000
12/31/2001
12/31/2002
12/31/2003
12/31/2004
12/31/2005
12/31/2006
12/31/2007
12/31/2008
12/31/2009
12/31/2010
12/31/2011
12/31/2012
12/31/2013
12/31/2014
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$2,640
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$0
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
$1,682
22.46 %
5.98 %
10.44 %
0.00 %
36.42 %
12.78 %
19.94 %
13.26 %
5.74 %
3.57 %
0.00 %
1.58 %
15.24 %
6.53 %
1.44 %
14.38 %
5.29 %
0.00 %
13.00 %
11.85 %
5.40 %
7.97 %
14.01 %
6.17 %
$1,582
$3,091
$4,814
$6,094
$9,791
$12,367
$16,211
$19,702
$22,140
$24,249
$26,182
$28,490
$32,264
$33,796
$33,672
$37,789
$39,081
$38,353
$42,489
$46,667
$48,344
$51,293
$57,518
$60,182
$0
$0
$1,763
$3,424
$7,503
$10,460
$14,686
$18,558
$21,378
$23,868
$26,182
$28,490
$30,498
$30,175
$28,105
$30,177
$29,323
$26,340
$28,110
$29,802
$28,870
$29,079
$32,428
$32,071
$101,582
$103,091
$104,814
$106,094
$109,791
$112,367
$116,211
$119,702
$122,140
$124,249
$126,182
$128,490
$98,234
$96,379
$94,432
$92,388
$90,241
$87,987
$85,620
$83,135
$80,526
$77,786
$74,909
$71,889
At the current interest rates and current charges, and the premium and policy benefits specified in this illustration, this policy will mature
in year 67.
1

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 21 of 25
Historical Index Rate Ledger, Current Scenario (All Allocations)

The annual index interest rates shown below are determined by applying the current (nonguaranteed) caps, participation rates, and floors
to the most recent 25 full calendar years of historical index performance.
Keep in mind that past performance is not a prediction of future results. Different time periods and different indexes will produce higher or
lower rates. Also, caps, participation rates, and floors are subject to change on any policy anniversary.
Year
Ending
S&P 500
Index
Monthly
Sum
S&P 500
Index
Annual
Pt-to-Pt
Barclays US
Barclays US
Dynamic
Dynamic
Balanced Index
Balanced Index
Annual
Annual
Pt-to-Pt
Pt-to-Pt
with Floor
Blended
Index
Annual Ptto-Pt
Blended
Index
Annual Ptto-Pt
with Floor
Blended
Index
Monthly
Average
Blended
Index
Select
Annual Ptto-Pt
S&P 500
Trigger
Method
12/31/1990
12/31/1991
12/31/1992
12/31/1993
12/31/1994
12/31/1995
12/31/1996
12/31/1997
12/31/1998
12/31/1999
12/31/2000
12/31/2001
12/31/2002
12/31/2003
12/31/2004
12/31/2005
12/31/2006
12/31/2007
12/31/2008
12/31/2009
12/31/2010
12/31/2011
12/31/2012
12/31/2013
12/31/2014
0.00%
13.31%
4.49%
7.00%
0.00%
29.32%
13.97%
15.31%
10.90%
12.29%
0.00%
0.00%
0.00%
15.65%
8.82%
3.24%
12.99%
3.38%
0.00%
6.19%
0.96%
0.00%
12.19%
23.50%
10.62%
0.00%
11.00%
4.46%
7.06%
0.00%
11.00%
11.00%
11.00%
11.00%
11.00%
0.00%
0.00%
0.00%
11.00%
8.99%
3.00%
11.00%
3.53%
0.00%
11.00%
11.00%
0.00%
11.00%
11.00%
11.00%
4.79%
22.46%
5.98%
10.44%
0.00%
36.42%
12.78%
19.94%
13.26%
5.74%
3.57%
0.00%
1.58%
15.24%
6.53%
1.44%
14.38%
5.29%
0.00%
13.00%
11.85%
5.40%
7.97%
14.01%
6.17%
3.69%
17.28%
4.60%
8.03%
2.00%
28.02%
9.83%
15.34%
10.20%
4.41%
2.75%
2.00%
2.00%
11.73%
5.02%
2.00%
11.06%
4.07%
2.00%
10.00%
9.12%
4.15%
6.13%
10.78%
4.75%
0.00%
15.00%
6.36%
15.00%
0.00%
15.00%
15.00%
15.00%
14.73%
15.00%
0.95%
0.00%
0.00%
15.00%
5.70%
5.23%
11.94%
5.77%
0.00%
15.00%
7.52%
0.72%
8.24%
15.00%
5.31%
2.00%
9.50%
6.36%
9.50%
2.00%
9.50%
9.50%
9.50%
9.50%
9.50%
2.00%
2.00%
2.00%
9.50%
5.70%
5.23%
9.50%
5.77%
2.00%
9.50%
7.52%
2.00%
8.24%
9.50%
5.31%
0.00%
18.81%
5.35%
13.59%
0.00%
18.15%
10.95%
18.85%
12.96%
11.49%
0.00%
0.00%
0.00%
8.40%
1.58%
1.98%
7.81%
6.29%
0.00%
3.69%
2.23%
2.69%
7.31%
11.79%
3.27%
0.00%
19.00%
7.31%
19.00%
0.00%
19.00%
18.87%
19.00%
16.94%
19.00%
1.09%
0.00%
0.00%
19.00%
6.55%
6.01%
13.73%
6.64%
0.00%
17.72%
8.64%
0.83%
9.47%
18.23%
6.11%
0.00%
8.00%
8.00%
8.00%
0.00%
8.00%
8.00%
8.00%
8.00%
8.00%
0.00%
0.00%
0.00%
8.00%
8.00%
8.00%
8.00%
8.00%
0.00%
8.00%
8.00%
0.00%
8.00%
8.00%
8.00%
25
Year
Historical
7.90%
6.69%
9.24%
7.48%
8.12%
6.46%
6.51%
9.82%
5.70%

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 22 of 25
NUMERIC SUMMARY
Numeric Summary
The assumptions used in the guaranteed, midpoint, and current scenarios are described in the Rates and Assumptions section of this
illustration.
Guaranteed Values
GUARANTEED SCENARIO
Year
Age
5
10
20
17
58
63
73
70
MIDPOINT SCENARIO
CURRENT SCENARIO
Total
premium
outlay
Total
distributions
Cash
value
Death
benefit
Cash
value
Death
benefit
Cash
value
Death
benefit
$13,200
$26,400
$31,680
$31,680
$0
$0
$13,456
$8,410
$3,671
$10,033
N/A
N/A
$105,959
$110,414
N/A
N/A
$4,523
$13,392
N/A
$2,051
$106,811
$113,773
N/A
$90,241
$5,754
$18,762
$22,399
$24,078
$108,042
$119,143
$83,135
$90,241
Lapse Year
15
18
67
Your Signature
By signing below, you indicate that the following are true:
I have received and read a copy of this illustration and
I acknowledge that this illustration is only a summary, that
understand that nonguaranteed values, caps, spreads, and
the policy contains the only complete description, and that
participation rates are subject to change and could be either
this illustration is not part of the policy.
higher or lower.
I understand that external indexes are volatile, even though
I understand that nonguaranteed values shown in this
this illustration used a constant rate.
illustration are not promises or warranties. My financial
professional has told me they are not guaranteed.
I understand that this is a life insurance policy, and not a
source of guaranteed income. If my policy lapses, I will lose
the death benefit, will no longer be able to take money from
my policy, and I may owe income taxes on the money I took
out.
o If I check the preceding box, the Loan Protection Rider will NOT be automatically added to my policy and cannot be added later.
Owner/Applicant's Signature
Date
Joint Owner/Applicant's Signature (if any)
Date
Financial Professionals Statement

I certify that a signed copy of this illustration has been presented
to the applicant. I have explained that nonguaranteed values
illustrated are subject to change, and I have not made
statements inconsistent with the illustration. I have made no
promises or assurances about future values.
I have advised the applicant to ask a knowledgeable tax or legal
advisor about this policy and their tax situation. I have not given the
applicant tax advice.
Financial Professional's Signature
Date

MP: $2,605.00
Riders: LPR, CIABR
7P: $6,225.99
Fixed: 0%
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
GS: $33,437.77
GA: $7,507.57
PM: $220.00
Page 23 of 25
The S&P 500 Index is comprised of 500 stocks representing major U.S. industrial
sectors. The Dow Jones Industrial Average is a popular indicator of the stock market
based on the average closing prices of 30 active U.S. stocks representative of the
overall economy.
S&P is a registered trademark of Standard & Poors Financial Services LLC (S&P)
and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC
(Dow Jones). These trademarks have been licensed for use by S&P Dow Jones
Indices LLC. S&P marks are trademarks of S&P and Dow Jones marks are
trademarks of Dow Jones. These trademarks have been sublicensed for certain
purposes by Allianz Life Insurance Company of North America (Allianz). The S&P
500 Index (the Index) and Dow Jones Industrial AverageSM (the DJIA) are
products of S&P Dow Jones Indices LLC and/or its affiliates and have been licensed
for use by Allianz.
Allianz 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 products or any member of the
public regarding the advisability of investments generally or in Allianz products
particularly or the ability of the Index and Average to track general market
performance. S&P Dow Jones Indices only relationship to Allianz 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 or the products. S&P
Dow Jones Indices have no obligation to take the needs of Allianz 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, but which may be similar to and
competitive with Allianz 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, 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 POSSIBLITY 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 OTHER THAN
THE LICENSORS OF S&P DOW JONES INDICES.
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 products are not sponsored, endorsed, sold or promoted by Frank Russell
Company ("Russell"). Russell makes no representation or warranty, express or
implied, to the owners of Allianz products or any member of the public regarding
the advisability of investing in securities generally or in Allianz products particularly
or the ability of the Russell 2000 Index to track general stock market performance
or a segment of the same. Russell's publication of the Russell 2000 Index in no
way suggests or implies an opinion by Russell as to the advisability of investment in
any or all of the securities upon which the Russell 2000 Index is based. Russell's
only relationship to Allianz Life Insurance Company of North America (Allianz) is
the licensing of certain trademarks and trade names of Russell and of the Russell
2000 Index which is determined, composed and calculated by Russell without
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
ADDITIONAL INFORMATION
regard to Allianz or Allianz products. Russell is not responsible for and has not
reviewed the Allianz products nor any associated literature or publications and
Russell makes no representation or warranty express or implied as to their accuracy
or completeness, or otherwise. Russell reserves the right, at any time and without
notice, to alter, amend, terminate or in any way change the Russell 2000 Index.
Russell has no obligation or liability in connection with the administration,
marketing or trading of Allianz products.
RUSSELL DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF
THE RUSSELL 2000 INDEX OR ANY DATA INCLUDED THEREIN AND RUSSELL SHALL
HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN.
RUSSELL MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE
OBTAINED BY ALLIANZ, INVESTORS, OWNERS OF ALLIANZ PRODUCTS, OR ANY
OTHER PERSON OR ENTITY FROM THE USE OF THE RUSSELL 2000 INDEX OR ANY
DATA INCLUDED THEREIN. RUSSELL MAKES NO EXPRESS OR IMPLIED WARRANTIES,
AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS
FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE RUSSELL 2000 INDEX
OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING,
IN NO EVENT SHALL RUSSELL HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE,
INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF
NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
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 12 Eurozone countries: Austria, Belgium, Finland, France,
Germany, Greece, Ireland, Italy, Luxembourg, the Netherlands, Portugal and Spain.
STOXX has no relationship to Allianz Life Insurance Company of North America
(Allianz), other than the licensing of the EURO STOXX 50 and the related
trademarks for use in connection with Allianz products.
STOXX does not: sponsor, endorse, sell or promote Allianz products, recommend
that any person invest in Allianz products or any other securities, have any
responsibility or liability for or make any decisions about the timing, amount or
pricing of Allianz products, have any responsibility or liability for the administration,
management or marketing of Allianz products, consider the needs of Allianz
products or the owners of Allianz products in determining, composing or
calculating the EURO STOXX 50 or have any obligation to do so.
STOXX will not have any liability in connection with Allianz products. Specifically,
STOXX does not make any warranties, express or implied and disclaims any and all
warranties about: the results to be obtained by Allianz products, the owner of
Allianz 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 or 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; STOXX has no liability for any
errors, omissions or interruptions in the EURO STOXX 50 or its data; under no
circumstances will STOXX be liable for any lost profits or indirect, punitive, special
or consequential damages or losses, even if STOXX knows that they might occur.
The licensing agreement between Allianz and STOXX is solely for their benefit and
not for the benefit of the owners of Allianz products or any other third parties.
The Barclays US Dynamic Balance Index is comprised of the Barclays US Aggregate
Bond Index and the S&P 500 Index and shifts weighting daily, up to 5%, between
them based on realized market volatility. The Barclays US Aggregate Bond Index is
comprised of Barclays US investment-grade, fixed-rate bond market securities,
including government agency, corporate, and mortgage-backed securities.
Barclays Risk Analytics and Index Solutions Limited and its affiliates (""Barclays"") is
not the issuer or producer of Allianz products and Barclays has no responsibilities,
obligations or duties to investors in respect of any Allianz products. The Barclays US
Aggregate Bond Index and the Barclays US Dynamic Balance Index are trademarks
owned by Barclays, and Barclays US Aggregate Bond Index and Barclays US
Dynamic Balance Index are licensed for use by Allianz Life Insurance Company of
North America (Allianz) as the Issuer of Allianz products. Barclays only
relationship with the Issuer in respect of the Barclays US Aggregate Bond Index and
the Barclays US Dynamic Balance Index is the licensing of the Barclays US
Aggregate Bond Index and the Barclays US Dynamic Balance Index, which are
determined, composed and calculated by Barclays, or any successor thereto,
without regard to the Issuer or the Allianz product or the owners of the Allianz
products. Additionally, while Allianz may for itself execute transaction(s) with
Barclays in or relating to the Barclays US Aggregate Bond Index or the Barclays US
Dynamic Balance Index in connection with Allianz products investors acquire the
Allianz products from Allianz Life Insurance Company of North America and
investors neither acquire any interest in the Barclays US Aggregate Bond Index or
the Barclays US Dynamic Balance Index nor enter into any relationship of any kind
whatsoever with Barclays upon making an investment in the Allianz product. The
Allianz products are not sponsored, endorsed, sold or promoted by Barclays.
Barclays does not make any representation or warranty, express or implied
regarding the advisability of investing in the Allianz product or the advisability of
investing in securities generally or the ability of the Barclays US Aggregate Bond
Index or the Barclays US Dynamic Balance Index to track corresponding or relative
market performance. Barclays has not passed on the legality or suitability of the
Allianz product with respect to any person or entity. Barclays is not responsible for
and has not participated in the determination of the timing of, prices at, or
quantities of the Allianz product to be issued. Barclays has no obligation to take the
Page 24 of 25
ADDITIONAL INFORMATION
needs of the Issuer or the owners of the Allianz product or any other third party
into consideration in determining, composing or calculating the Barclays US
Aggregate Bond Index or the Barclays US Dynamic Balance Index. Barclays has no
obligation or liability in connection with administration, marketing or trading of the
Allianz product.
The licensing agreement between Allianz Life Insurance Company of North
America and Barclays is solely for the benefit of Allianz Life Insurance Company of
North America and Barclays and not for the benefit of the owners of the Allianz
products, investors or other third parties.
BARCLAYS SHALL HAVE NO LIABILITY TO THE ISSUER, INVESTORS OR TO OTHER
THIRD PARTIES FOR THE QUALITY, ACCURACY AND/OR COMPLETENESS OF THE
BARCLAYS US AGGREGATE BOND INDEX OR THE BARCALYS US DYNAMIC BALANCE
INDEX OR ANY DATA INCLUDED THEREIN OR FOR INTERRUPTIONS IN THE DELIVERY
OF THE BARCLAYS US AGGREGATE BOND INDEX OR THE BARCALYS US DYNAMIC
BALANCE INDEX. BARCLAYS MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO
RESULTS TO BE OBTAINED BY THE ISSUER, THE INVESTORS OR ANY OTHER PERSON
OR ENTITY FROM THE USE OF THE BARCLAYS US AGGREGATE BOND INDEX OR THE
BARCALYS US DYNAMIC BALANCE INDEX OR ANY DATA INCLUDED THEREIN.
BARCLAYS MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND HEREBY EXPRESSLY
DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE OR USE WITH RESPECT TO THE BARCLAYS US AGGREGATE
BOND INDEX OR THE BARCALYS US DYNAMIC BALANCE INDEX OR ANY DATA
INCLUDED THEREIN. BARCLAYS RESERVES THE RIGHT TO CHANGE THE METHODS
OF CALCULATION OR PUBLICATION, OR TO CEASE THE CALCULATION OR
PUBLICATION OF THE BARCLAYS US AGGREGATE BOND INDEX OR THE BARCALYS
US DYNAMIC BALANCE INDEX, AND BARCLAYS SHALL NOT BE LIABLE FOR ANY
MISCALCULATION OF OR ANY INCORRECT, DELAYED OR INTERRUPTED
PUBLICATION WITH RESPECT TO ANY OF THE BARCLAYS US AGGREGATE BOND
INDEX OR THE BARCALYS US DYNAMIC BALANCE INDEX. BARCLAYS SHALL NOT BE
LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY SPECIAL,
INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY LOST PROFITS AND EVEN IF
ADVISED OF THE POSSIBLITY OF SUCH, RESULTING FROM THE USE OF THE
BARCLAYS US AGGREGATE BOND INDEX OR THE BARCALYS US DYNAMIC BALANCE
INDEX OR ANY DATA INCLUDED THEREIN OR WITH RESPECT TO THE ALLIANZ
PRODUCT.
None of the information supplied by Barclays Risk Analytics and Index Solutions
Limited and used in this publication may be reproduced in any manner without the
prior written permission of Barclays Risk Analytics and Index Solutions Limited.
Barclays Risk Analytics and Index Solutions Limited is registered in England No.
08934023.
Allianz Life Insurance Company of North America

5701 Golden Hills Drive, Minneapolis, MN 55416
800.950.7372 www.allianzlife.com
MLIF-1066, Ver5.3.22.21 (Rev 11/14)
Page 25 of 25
Allianz Life Insurance Company

of North America
Allianz Life Pro+ Life Insurance Illustration

A Flexible Premium Adjustable Fixed Index Universal Life Insurance Policy
Input Summary
Activities Page
Producer Information
Producer:
Jurisdiction:
Rosalinda Diestro
Texas
Source Information
Jurisdiction:
Product Type:
Presentation Type:
Universal Life
None
Product Selection
Product:
Allianz Life Pro+
Client Page
Client Information - First Insured
First Name:
Last Name:
Gender:
Age Calculation:
Issue Age:
Jurisdiction:
Jesus
Gavioloa
Male
Enter Age
53
Texas
Risk Information - First Insured

Risk Classification:
Table Rating:
Flat Extra Amount:
Flat Extra Duration:
Standard Nontobacco
None
$0.00
Maturity
Death Benefit and Funding

Premium Deposit Fund Rider
Solve For:
None
Death Benefit
Tax Compliance:
Additional Term Rider:
Guideline Premium Test

None
Face Amount
Face Solve Type:
Minimum
Face Amount Type
Term Amount
From
Through
Solve
Death Benefit Option
TP: $2,605.00
MP: $2,605.00
GA: $7,507.57
Agent: Rosalinda Diestro
7P: $6,225.99
Ver.: 5.3.22.21
July 06, 2015

MLIF-1066
GS: $33,437.77
Issue State: Texas

Page 1 of 4
(Rev 11/14)

of North America

Option
B (Increasing)
A (Level)
From
1
13
Through
12
Maturity
Premium
MEC Avoidance:
First Year Lump Sum:
Existing Contract is a MEC:
1035 Exchange Amount:
1035 Exchange Basis:
Yes
$0.00
Not Selected
0.00
0.00
Scheduled Premium
Premium Solve Type:
None
Frequency
Monthly
Premium
Specify Amount
Amount
220
Adjustment
0
From
1
Through
12
Disbursement
Disbursement Method
Type
Solve
Amount
Loan Allocation:
Loan Interest Type:
Method
Loan
From
13
Through
Maturity
From
Through
GS: $33,437.77
7P: $6,225.99
100% Participating
Capitalized
Loan Repayment
Type
None
Amount
Solve
Target:
Target Amount:
Target Duration:
Adjustment
Net Surrender Value

$0.00
0
Riders Page
Rider Information
Waiver:
First Insured Waiver of
Specified Premium:
None
$0.00
Other Insured Rider

Other Insured Rider:
Not Selected
Units of Child Term Rider:

Loan Protection Rider:
Enhanced Liquidity Option:
Enhanced Cash Value Rider:
Inflation Protection Rider:
None
Yes
None
No
No
TP: $2,605.00
MP: $2,605.00
GA: $7,507.57
Ver.: 5.3.22.21
July 06, 2015

MLIF-1066
Issue State: Texas

Page 2 of 4
(Rev 11/14)

of North America

Chronic Illness Rider:
Yes
Index Allocation Page

Rate Information
Illustrate with Select Index
Allocations:
No
Premium Allocations
Account
Monthly Sum S&P 500
Annual Point-to-Point S&P 500
Annual Point-to-Point Blended Index
Annual Point-to-Point Blended Index with Floor
S&P 500 Trigger Method
Annual Point to Point Barclays US Dynamic Balance Index, with participation rate
Annual Point to Point Barclays US Dynamic Balance Index, with participation rate and floor
Monthly Average Blended Index
Interest Earning Account
Allocation
0%
0%
0%
0%
0%
100%
0%
0%
0%
Assumed Rate
Assumed Rate
7.50%
From
1
Through
Maturity
Reports Page
Reports Options
Revised Illustration:
Not Selected
Producer Information
Producer:
Rosalinda Diestro
Producer Override
Organization Name:
Business Name:
Address Line 1:
Address Line 2:
City:
Jurisdiction:
Zip:
Phone Number:
Fax Number:
2622 Night Song Dr

Pearland
Texas
77584
Reports Display
Hypothetical Reports
Cover Page
TP: $2,605.00
MP: $2,605.00
Selected
Selected
GA: $7,507.57
7P: $6,225.99
Ver.: 5.3.22.21
July 06, 2015

MLIF-1066
GS: $33,437.77
Issue State: Texas

Page 3 of 4
(Rev 11/14)

of North America

How To Read Your Illustration
Selected
How the Allianz Life Pro+ Works
Selected
Policy Description
Selected
Life Insurance Cost Information /
Selected
Definitions
Basic Ledger
Selected
Policy Loan ledger
Selected
Policy Charge Detail
Not Selected
Historical Results Ledger
Selected
IRR Ledger
Not Selected
Policy Values Snapshot
Not Selected
Numeric Summary
Selected
Important Disclosure Page
Selected
Input Summary Page
Selected
TP: $2,605.00
MP: $2,605.00
GA: $7,507.57
7P: $6,225.99
Ver.: 5.3.22.21
July 06, 2015

MLIF-1066
GS: $33,437.77
Issue State: Texas

Page 4 of 4
(Rev 11/14)

2015-07-06 123625 LPP Jesus Gavioloa 12pay PDF

Загружено:

Сведения о документе

Оригинальное название

Авторское право

Доступные форматы

Поделиться этим документом

Поделиться или встроить документ

Параметры публикации

Этот документ был вам полезен?

Это неприемлемый материал?

Авторское право:

Доступные форматы

2015-07-06 123625 LPP Jesus Gavioloa 12pay PDF

Загружено:

Авторское право:

Доступные форматы

Allianz Life Pro+ Fixed Index Universal Life Insurance Supplemental Illustration

Supplemental Illustration Assumptions

Initial Death Benefit: $100,000.00, B (Increasing)

This is a supplemental illustration that must be accompanied by the full product

Supplemental Illustration Assumptions

Initial Death Benefit: $100,000.00, B (Increasing)

Allianz Life Insurance Company of North America

Allianz Life Pro+ Fixed Index Universal Life

Life Insurance Policy Illustration

Thank you for considering the Allianz Life Pro+.

Please read this document carefully.

Be sure to sign and date the signature

How to Read Your Illustration

This is the numbers part of the illustration,

Life insurance is a contract between you and an insurance

Guaranteed vs. Nonguaranteed Values

MLIF-1066, Ver5.3.22.21 (Rev 11/14)

How Allianz Life Pro+ Works

Taking Money Out

Option A is equal to the specified amount of your policy.

Option B is equal to the specified amount of your policy plus the

How Your Policy Value Can Grow

Policy loans Subject to certain restrictions and costs, you may be

Rates and Assumptions used in your life

Your Optional Riders

Your Illustrated Rates

S&P 500 Index

Loan Protection Rider*

Annual point-to-point ||| % allocated

S&P 500 Index

9.50% / 100%/ 2.00%

S&P 500 Index

Select Index Allocations

The average annual index rate is determined by applying the

MLIF-1066, Ver5.3.22.21 (Rev 11/14)

Your Chosen Loan Allocations

MLIF-1066, Ver5.3.22.21 (Rev 11/14)

Understanding Policy Value

Guaranteed Accumulation Value

The Fixed Allocation

Available crediting methods

S&P 500 Index

Annual point-to-point, monthly sum, trigger

Annual point-to-point, annual point-to-point with

Annual point-to-point ||, annual point-to-point |||

Available crediting methods

The blended index is comprised of Dow Jones Industrial Average

MLIF-1066, Ver5.3.22.21 (Rev 11/14)

Please note: Although external indexes may affect your policy

Annual Point-to-Point Crediting with a Floor. For this method, we

We determine the interest rate using the same calculations

Monthly Sum Crediting. For each indexed allocation with this

Annual Point-to-Point Crediting |||. For this method, we start by

Trigger Method Crediting. With this method, we start by setting a

Crediting Method Insights

These crediting methods use the index value

Steady monthly increases will generally add up

If the index value was usually higher than the

MLIF-1066, Ver5.3.22.21 (Rev 11/14)

Loans, Surrenders, and Accelerated

Before you take a policy loan, surrender, or accelerated benefit

If you take a partial surrender from an indexed allocation with a

Terminal Illness Accelerated Benefit