Income Focus Rider

Allianz Life Insurance Company of North America

Introducing the Allianz Vision Variable Annuity with

The New Income Focus rider

Once Income Focus payments begin, the annual maximum amount needs to be withdrawn to be eligible for Performance Increases on the next benefit anniversary.

The Allianz Vision Variable Annuity has an annual mortality and expense risk charge of 1.40% for the base contract.The Income Focus rider is available for an additional annual charge of [1.30%] for single and joint life. The minimum charge is 0.50% and maximum charge is 2.75% for single and 2.95% for joint life. The rider charge cannot increase/decrease more than 0.50% in any 12-month period.

Variable annuities are not suitable for meeting short-term goals because substantial taxes and insurance company charges may apply if a client withdraws their money early.

Financial professionals should have a discussion with their clients about the features, benefits, limitations, risks, and fees associated with variable annuities, and whether a variable annuity is appropriate for their clients based on their financial situation and objectives.

Investing in a variable annuity may be the answer for part of your overall retirement strategy. A variable annuity combines the potential for long-term growth through market participation with tax deferral, death benefits, and living guarantees.

Variable annuities are subject to investment risk, including loss of principal, and contract values fluctuate daily. Investment returns and principal value will fluctuate with market conditions so that units, upon distribution, may be worth more or less than the original cost.

For more complete information about Allianz variable annuities and variable investment options, call Allianz Life Financial Services, LLC at 800.542.5427 for a prospectus. The prospectuses contain details on investment objectives, risks, fees, and expenses, as well as other information about the variable annuity and variable investment options, which your clients should carefully consider. Encourage your clients to read the prospectuses thoroughly before sending money.

Guarantees are backed by the financial strength and claims‐paying ability of Allianz Life Insurance Company of North America and do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

Products are issued by Allianz Life Insurance Company of North America and distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416‐1297. 800.542.5427 www.allianzlife.com

(L40529, L40530)