| 485APOS                                                                                                         | File Nos. 333-139701                                                                                           |   |
|-----------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------|--------|
| Allianz Vision (Legacy)                                                                                         | 811-05618                                                                                                      |   |
|                                                                                                            | Class I.D. C000044001                                                                                          |   |
|                                                                                                            |                                                                                                           |   |
|                                                                                                            | UNITED STATES                                                                                                  |   |   |
|                                                                                                            | SECURITIES AND EXCHANGE COMMISSION                                                                             |   |   |
|                                                                                                            | WASHINGTON, D.C. 20549                                                                                         |   |   |
|                                                                                                            | FORM N-4                                                                                                       |   |   |
|                                                                                                            |                                                                                                           |   |   |
| REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933                                                         |                                                                                                           |
| Pre-Effective Amendment No.                                                                                     |                                                                                                           |   |   |   |
| Post-Effective Amendment No.                                                                                    | 44                                                                                                             |   | X |   |
| and/or                                                                                                          |                                                                                                           |   |
| REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940                                                 |                                                                                                           |   |
| Amendment No.                                                                                                   | 424                                                                                                            |   | X |   |
|                                                                                                            |                                                                                                           |
| (Check appropriate box or boxes.)                                                                               |                                                                                                           |
| ALLIANZ LIFE VARIABLE ACCOUNT B                                                                                 |                                                                                                           |
| (Exact Name of Registrant)                                                                                      |                                                                                                           |
|                                                                                                            |                                                                                                           |
| ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA                                                                 |                                                                                                           |
| (Name of Depositor)                                                                                             |                                                                                                           |
|                                                                                                            |                                                                                                           |
| 5701 Golden Hills Drive, Minneapolis, MN 55416-1297                                                             |                                                                                                           |
| (Address of Depositor's Principal Executive Offices) (Zip Code)                                                 |                                                                                                           |
|                                                                                                            |                                                                                                           |
| (763) 765-2913                                                                                                  |                                                                                                           |
| (Depositor's Telephone Number, including Area Code)                                                             |                                                                                                           |
|                                                                                                            |                                                                                                           |
| Stewart D. Gregg, Senior Securities Counsel                                                                     |                                                                                                           |
| Allianz Life Insurance Company of North America                                                                 |                                                                                                           |
| 5701 Golden Hills Drive                                                                                         |                                                                                                           |
| Minneapolis, MN 55416-1297                                                                                      |                                                                                                           |
| (Name and Address of Agent for Service)                                                                         |                                                                                                           |
|                                                                                                            |                                                                                                           |
| It is proposed that this filing will become effective (check the appropriate box):                              |                                                                                                           |
|                                                                                                            | immediately upon filing pursuant to paragraph (b) of Rule 485                                                  |
|                                                                                                            | on (date) pursuant to paragraph (b) of Rule 485                                                                |
| x                                                                                                               | 60 days after filing pursuant to paragraph (a)(1) of Rule 485                                                  |
|                                                                                                            | on (date) pursuant to paragraph (a)(1) of Rule 485                                                             |
| If appropriate, check the following:                                                                            |
|                                                                                                            | this post-effective amendment designates a new effective date for a previously filed post-effective amendment. |
| Approximate Date of the Proposed Public Offering: April 27, 2015                                                |
| Titles of Securities Being Registered: Individual Flexible Purchase Payment Variable Deferred Annuity Contracts |

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|   | PART A – PROSPECTUS |
|--------|---------------------------|

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| Contract Version                                         | Optional Benefit That IsNo Longer Available | AvailableFrom       | AvailableThrough    | Discussed in Appendix |
|----------------------------------------------------------|---------------------------------------------|---------------------|---------------------|-----------------------|
| A                                                        | Lifetime Plus Benefit                       | May 1, 2007         | January 23, 2009    | D                     |
| A                                                        | Lifetime Plus II Benefit                    | November 12, 2007   | March 31, 2009      |                  |
| A                                                        | Lifetime Plus 10 Benefit                    | July 17, 2008       | March 31, 2009      |                  |
| A                                                        | Target Date Retirement Benefit              | March 17, 2008      | January 23, 2009    | E                     |
| A                                                        | Target Date 10 Benefit                      | January 26, 2009    | March 31, 2009      |                  |
| A                                                        | Original Quarterly Value Death Benefit      | May 1, 2007         | April 30, 2010      | F                     |
| A and B                                                  | Second Quarterly Value Death Benefit        | May 2, 2010         | April 27, 2012      |                  |
| A and B                                                  | Short Withdrawal Charge Option              | May 1, 2007         | July 23, 2012       | G                     |
| A                                                        | No Withdrawal Charge Option                 | March 17, 2008      | March 31, 2009      | H                     |
| A and B                                                  |                                        | July 22, 2009       | July 23, 2012       |                  |
| B                                                        | Income Focus                                | April 30, 2012      | April 24, 2015      | I                     |
| A                                                        | Income Protector (08.09)                    | July 22, 2009       | April 30, 2010      | J                     |
| A                                                        | Income Protector (05.10)                    | May 3, 2010         | April 29, 2011      |                  |
| A and B                                                  | Income Protector (05.11)                    | May 2, 2011         | January 20, 2012(1) |                  |
| A and B                                                  | Income Protector (01.12)                    | January 23, 2012(2) | April 27, 2012      |                  |
| Version A issued on or after April 1, 2009 and Version B | Income Protector (05.12)                    | April 30, 2012      | July 20, 2012       |                  |
| Version A issued on or after April 1, 2009 and Version B | Income Protector (07.12)                    | July 23, 2012       | October 12, 2012    |                  |
| Version A issued on or after April 1, 2009 and Version B | Income Protector (10.12)                    | October 15, 2012    | April 24, 2015      |                  |
| A                                                        | Investment Protector (08.09)                | July 22, 2009       | April 30, 2010      | J                     |
| A and B                                                  | Investment Protector (05.10)                | May 3, 2010         | January 20, 2012    |                  |
| A and B                                                  | Investment Protector (01.12)                | January 23, 2012    | April 27, 2012      |                  |
| Version A issued on or after April 1, 2009 and Version B | Investment Protector (01.12)                | April 30, 2012      | July 6, 2012        |                  |
| Version A issued on or after April 1, 2009 and Version B | Investment Protector (07.12)                | July 9, 2012        | July 19, 2013       |                  |
| Version A issued on or after April 1, 2009 and Version B | Investment Protector (07.13)                | July 22, 2013       | April 24, 2015      |                  |

|   | (1) | In all states except Oregon. In Oregon, Income Protector (05.11) was available through February 21, 2012. |
|--------|-----|-----------------------------------------------------------------------------------------------------------|

|   | (2) | In all states except Oregon. In Oregon, Income Protector (01.12) was available from February 22, 2013. |
|--------|-----|--------------------------------------------------------------------------------------------------------|

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| (1) | Income Protector |
|-----|------------------|

| (2) | Investment Protector |
|-----|----------------------|

| ALLIANZ FUND OF FUNDSAZL® Balanced Index Strategy Fund(2)AZL® Growth Index Strategy Fund(2)AZL MVP FusionSM Balanced Fund(1),(2)AZL MVP FusionSM Conservative Fund(1),(2)AZL MVP FusionSM Growth Fund(2)AZL MVP FusionSM Moderate Fund(1),(2)AZL® MVP Balanced Index Strategy Fund(1)AZL® MVP BlackRock Global Allocation Fund(1)AZL® MVP Franklin Templeton Founding Strategy Plus Fund(1)AZL® MVP Growth Index Strategy Fund(1)AZL® MVP Invesco Equity and Income Fund(1)AZL® MVP T. Rowe Price Capital Appreciation Fund(1)BLACKROCKAZL® BlackRock Capital Appreciation Fund(2)AZL® Enhanced Bond Index Fund(2)AZL® International Index Fund(2)AZL® Mid Cap Index Fund(2)AZL® Money Market Fund(1),(2)AZL® Russell 1000 Growth Index Fund(2)AZL® Russell 1000 Value Index Fund(2)AZL® S&P 500 Index Fund(2)AZL® Small Cap Stock Index FundBlackRock Global Allocation V.I. Fund(2)DAVISDavis VA Financial PortfolioDREYFUSAZL® Dreyfus Research Growth Fund(2)FEDERATEDAZL® Federated Clover Small Value Fund | FIDELITYFidelity VIP FundsManager 50% Portfolio(2)Fidelity VIP FundsManager 60% Portfolio(2)FRANKLIN TEMPLETONAZL® Franklin Templeton Founding Strategy Plus Fund(2)Franklin Founding Funds Allocation VIP FundFranklin High Income VIP FundFranklin Income VIP Fund(1),(2)Franklin Mutual Shares VIP Fund(2)Franklin U.S. Government Securities VIP Fund(1),(2)Templeton Global Bond VIP Fund(1),(2)Templeton Growth VIP Fund(2)GATEWAYAZL® Gateway Fund(2)INVESCOAZL® Invesco Equity and Income Fund(2)AZL® Invesco Growth and Income Fund(2)AZL® Invesco International Equity Fund(2)J.P. MORGANAZL® JPMorgan International Opportunities Fund(2)AZL® JPMorgan U.S. Equity Fund(2)JPMorgan Insurance Trust Core Bond Portfolio(2)MFSAZL® MFS Investors Trust Fund(2)AZL® MFS Mid Cap Value Fund(2)AZL® MFS Value Fund(2)MFS VIT Research Bond Portfolio(2) | MORGAN STANLEYAZL® Morgan Stanley Global Real Estate FundAZL® Morgan Stanley Mid Cap Growth Fund(2)NFJAZL® NFJ International Value Fund(2)Allianz NFJ Dividend Value VIT Portfolio(2)OPPENHEIMER FUNDSAZL® Oppenheimer Discovery FundPIMCOPIMCO EqS Pathfinder Portfolio(2)PIMCO VIT All Asset Portfolio(1),(2)PIMCO VIT CommodityRealReturn® Strategy PortfolioPIMCO VIT Emerging Markets Bond PortfolioPIMCO VIT Global Advantage Strategy Bond Portfolio(1),(2)PIMCO VIT Global Bond Portfolio (Unhedged)PIMCO VIT Global Multi-Asset Managed Allocation Portfolio(2)PIMCO VIT Global Multi-Asset Managed Volatility Portfolio(1)PIMCO VIT High Yield Portfolio(1),(2)PIMCO VIT Real Return Portfolio(1),(2)PIMCO VIT Total Return Portfolio(1),(2)PIMCO VIT Unconstrained Bond Portfolio(1),(2)PYRAMISAZL® Pyramis® Core Bond Fund(1),(2)SCHRODERAZL® Schroder Emerging Markets Equity FundT. ROWE PRICEAZL® T. Rowe Price Capital Appreciation Fund(2) |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | TABLE OF CONTENTS |
|--------|-------------------|

| Glossary                                                                         | 6  |
|----------------------------------------------------------------------------------|----|
| Fee Tables                                                                       | 11 |
| Owner Transaction Expenses                                                       | 11 |
| Owner Periodic Expenses                                                          | 11 |
| Contract Annual Expenses                                                         | 12 |
| Annual Operating Expenses of the Investment Options                              | 13 |
| Examples                                                                         | 14 |
| 1. The Variable Annuity Contract                                                 | 14 |
| State Specific Contract Restrictions                                             | 16 |
| When The Contract Ends                                                           | 16 |
| 2. Owners, Annuitants, and Other Specified Persons                               | 17 |
| Owner                                                                            | 17 |
| Joint Owners                                                                     | 17 |
| Annuitant                                                                        | 17 |
| Beneficiary                                                                      | 18 |
| Covered Person(s)                                                                | 18 |
| Payee                                                                            | 19 |
| Assignments, Changes of Ownership and Other Transfers of Contract Rights         | 19 |
| 3. Purchase Payments                                                             | 20 |
| Purchase Payment Requirements                                                    | 20 |
| Allocation of Purchase Payments                                                  | 21 |
| Automatic Investment Plan (AIP)                                                  | 22 |
| Dollar Cost Averaging (DCA) Program                                              | 22 |
| 4. Valuing Your Contract                                                         | 23 |
| Accumulation Units                                                               | 23 |
| Computing Contract Value and Bonus Value                                         | 24 |
| 5. Investment Options                                                            | 24 |
| Substitution and Limitation on Further Investments                               | 31 |
| Transfers Between Investment Options                                             | 32 |
| Electronic Investment Option Transfer and Allocation Instructions                | 32 |
| Excessive Trading and Market Timing                                              | 33 |
| Flexible Rebalancing Program                                                     | 34 |
| Financial Adviser Fees                                                           | 35 |
| Voting Privileges                                                                | 35 |
| 6. Our General Account                                                           | 35 |
| 7. Expenses                                                                      | 36 |
| Mortality and Expense Risk (M&E) Charge                                      | 36 |
| Rider Charge                                                                     | 36 |
| Contract Maintenance Charge                                                      | 38 |
| Withdrawal Charge                                                                | 38 |
| Transfer Fee                                                                     | 40 |
| Premium Tax                                                                      | 40 |
| Income Tax                                                                       | 40 |
| Investment Option Expenses                                                       | 40 |
| 8. Access to Your Money                                                          | 41 |
| Free Withdrawal Privilege                                                        | 43 |
| Systematic Withdrawal Program                                                    | 43 |
| Minimum Distribution Program and Required Minimum Distribution (RMD) Payments    | 43 |
| Waiver of Withdrawal Charge Benefit                                              | 44 |
| Suspension of Payments or Transfers                                              | 44 |
| 9. The Annuity Phase                                                             | 44 |
| Calculating Your Annuity Payments                                                | 44 |
| Variable or Fixed Annuity Payments                                               | 44 |
| Annuity Payment Options                                                          | 45 |
| When Annuity Payments Begin                                                      | 46 |
| Partial Annuitization                                                            | 46 |
| 10. Death Benefit                                                                | 47 |
| Traditional Death Benefit                                                        | 47 |
| Death of the Owner and/or Annuitant                                              | 47 |
| Death Benefit Payment Options During the Accumulation Phase                      | 47 |
| 11. Selection of Optional Benefits                                               | 49 |
| Replacing Optional Benefits                                                      | 50 |
| 11.a Income Protector                                                            | 51 |
| Selecting Income Protector                                                       | 52 |
| Removing Income Protector                                                        | 52 |
| Lifetime Plus Payment Overview                                                   | 53 |
| Benefit Base                                                                     | 53 |
| Quarterly Anniversary Value                                                      | 54 |
| Annual Increase                                                                  | 54 |
| Requesting Lifetime Plus Payments                                                | 55 |
| Calculating Your Lifetime Plus Payments                                          | 56 |
| Automatic Annual Lifetime Plus Payment Increases                                 | 58 |
| Taxation of Lifetime Plus Payments                                               | 58 |
| Charge Lock Option                                                               | 58 |
| Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing | 61 |
| When Income Protector Ends                                                       | 62 |
| 11.b Investment Protector                                                        | 62 |
| Selecting Investment Protector                                                   | 63 |
| Removing Investment Protector                                                    | 63 |
| Target Value Dates                                                               | 64 |
| Target Value                                                                     | 65 |
| Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing | 66 |
| When Investment Protector Ends                                                   | 70 |
| 11.c Quarterly Value Death Benefit                                               | 70 |
| 11.d Bonus Option                                                                | 71 |

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| 12. Taxes                                                                                                          | 72     |
|--------------------------------------------------------------------------------------------------------------------|--------|
| Qualified and Non-Qualified Contracts                                                                              | 72     |
| Taxation of Annuity Contracts                                                                                      | 72     |
| Taxation of Lifetime Payments                                                                                      | 73     |
| Tax-Free Section 1035 Exchanges                                                                                    | 73     |
| 13. Other Information                                                                                              | 73     |
| Allianz Life                                                                                                       | 73     |
| The Separate Account                                                                                               | 74     |
| Distribution                                                                                                       | 74     |
| Additional Credits for Certain Groups                                                                              | 75     |
| Administration/Allianz Service Center                                                                              | 75     |
| Legal Proceedings                                                                                                  | 76     |
| Financial Statements                                                                                               | 76     |
| Status Pursuant to Securities Exchange Act of 1934                                                                 | 76     |
| 14. Privacy and Security Statement                                                                                 | 77     |
| 15. Table of Contents of the Statement of Additional Information (SAI)                                             | 78     |
| Appendix A – Annual Operating Expenses for Each Investment Option                                            | 79     |
| Appendix B – Condensed Financial Information                                                                 | 81     |
| Appendix C – Effects of Partial Withdrawals and Lifetime Payments on the Values Available Under the Contract | 89     |
| Appendix D – Lifetime Benefits                                                                               | 90     |
| Removing a Lifetime Benefit                                                                                        | 91     |
| Covered Person(s)                                                                                                  | 92     |
| Lifetime Plus Payment Overview                                                                                     | 93     |
| Benefit Base                                                                                                       | 94     |
| Quarterly Anniversary Value                                                                                        | 95     |
| Lifetime Plus Benefit and Lifetime Plus II Benefit                                                                 |   |
| Value Differences                                                                                                  | 95     |
| 5% Annual Increase and Enhanced 5%                                                                                 |   |
| Annual Increase                                                                                                    | 95     |
| Enhanced 10-Year Value                                                                                             | 96     |
| Manual Resets Under Lifetime Plus Benefit                                                                          | 97     |
| Automatic Resets Under Lifetime Plus II Benefit                                                                    | 97     |
| Lifetime Plus 10 Benefit’s 10% Annual Increase                                                               | 98     |
| Requesting Lifetime Plus Payments                                                                                  | 99     |
| Calculating Your Lifetime Plus Payments                                                                            | 100    |
| Automatic Annual Lifetime Plus Payment Increases                                                                   | 102    |
| Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing                                   | 103    |
| When a Lifetime Benefit Ends                                                                                       | 104    |
| Appendix E – Target Date Benefits                                                                            | 105    |
| Removing a Target Date Benefit                                                                                     | 106    |
| Target Value Dates                                                                                                 | 106    |
| Target Value                                                                                                       | 107    |
| Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing                                   | 108    |
| When a Target Date Benefit Ends                                                                                    | 112    |
| Appendix F – Previous Versions Of The Quarterly Value Death Benefit                                          | 113    |
| Appendix G – Short Withdrawal Charge Option                                                                  | 113    |
| Appendix H – No Withdrawal Charge Option                                                                     | 113    |
| Appendix I – Income Focus                                                                                    | 114    |
| Removing Income Focus                                                                                              | 114    |
| Income Focus Payment Overview                                                                                      | 115    |
| Total Income Value                                                                                                 | 115    |
| Income Values                                                                                                      | 116    |
| Income Value Percentages and Performance Increases                                                                 | 116    |
| Requesting Income Focus Payments                                                                                   | 117    |
| Calculating Your Income Focus Payments                                                                             | 118    |
| Taxation of Income Focus Payments                                                                                  | 119    |
| Charge Lock Option                                                                                                 | 119    |
| Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing                                   | 121    |
| When Income Focus Ends                                                                                             | 122    |
| Appendix J – Previous Versions of Income Protector                                                           |   |
| and Investment Protector                                                                                           | 123    |
| Income Protector                                                                                                   | 123    |
| Investment Protector                                                                                               | 124    |
| Appendix K – Charge Lock Option Examples                                                                     | 129    |
| Income Protector                                                                                                   | 129    |
| Income Focus                                                                                                       | 129    |
| Appendix L – Rate Sheet Prospectus Supplement                                                                | 130    |
| Income Protector Rates                                                                                             | 130    |
| Investment Protector Rates                                                                                         | 131    |
| For Service or More Information                                                                                    | 132    |
| Our Service Center                                                                                                 | 132    |

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|   | GLOSSARY |
|--------|----------|

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|   | FEE TABLES |
|--------|------------|

| Number of Complete Years Since Purchase Payment | Withdrawal Charge Amount(3) |
|-------------------------------------------------|-----------------------------|
| Base Contract(4)                                | Bonus Option(5)             | Short WithdrawalCharge Option | No WithdrawalCharge Option |
| 0                                               | 8.5%                        | 8.5% | 8.5% | 0% |
| 1                                               | 8.5%                        | 8.5% | 7.5% | 0% |
| 2                                               | 7.5%                        | 8.5% | 5.5% | 0% |
| 3                                               | 6.5%                        | 8% | 3% | 0% |
| 4                                               | 5%                          | 7% | 0% | 0% |
| 5                                               | 4%                          | 6% | 0% | 0% |
| 6                                               | 3%                          | 5% | 0% | 0% |
| 7                                               | 0%                          | 4% | 0% | 0% |
| 8                                               | 0%                          | 3% | 0% | 0% |
| 9 years or more                                 | 0%                          | 0% | 0% | 0% |

| Transfer Fee(6)………………………………….......   | $25    |
|---------------------------------------------------------------------------------------------------------------------|--------|
| (for each transfer after twelve in a Contract Year)                                                                 |   |
| Premium Tax(7)…………………………………...… | 3.5%   |
| (as a percentage of each Purchase Payment)                                                                          |   |

| Contract Maintenance Charge(8)………………... | $50    |
|-----------------------------------------------------------------------------|--------|
| (per Contract per year)                                                     |   |

| (1) | The Contract provides a free withdrawal privilege that allows you to withdraw 12% of your total Purchase Payments annually without incurring a withdrawal charge as discussed in section 8, Access to Your Money – Free Withdrawal Privilege. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | The Withdrawal Charge Basis is the amount subject to a withdrawal charge as discussed in section 7, Expenses – Withdrawal Charge. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------|

| (3) | For Contracts issued in Florida on or after January 1, 2011, the total withdrawal charge on a partial or full withdrawal cannot be greater than 10% of the Contract Value withdrawn. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (4) | For Contracts issued in Mississippi, the withdrawal charge is 8.5%, 7.5%, 6.5%, 5.5%, 5%, 4%, 3% and 0% for the time periods referenced. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------|

| (5) | For Contracts issued in Connecticut on or prior to April 29, 2011, the withdrawal charge is 8.5%, 8.5%, 8%, 7%, 6%, 5%, 4%, 3%, 2% and 0% for the time periods referenced. For Contracts issued in Mississippi, the withdrawal charge is 8%, 8%, 8%, 8%, 7%, 6%, 5%, 3.5%, 1.5% and 0% for the time periods referenced. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (6) | We count all transfers made in the same Business Day as one transfer. Program and benefit related transfers are not subject to the transfer fee and do not count against the free transfers we allow as discussed in section 7, Expenses – Transfer Fee. Transfers are subject to the market timing policies discussed in section 5, Investment Options – Excessive Trading and Market Timing. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (7) | Not currently deducted, but we reserve the right to do so in the future. This is the maximum charge we could deduct if we exercise this right as discussed in section 7, Expenses – Premium Tax. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (8) | Waived if the Contract Value is at least $100,000 as discussed in section 7, Expenses – Contract Maintenance Charge. |
|-----|----------------------------------------------------------------------------------------------------------------------------|

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| Base Version A Contract and Base Version B Contract with…      | Available Dates                             | Mortality and Expense Risk (M&E) Charge(9)(as a percentage of each Investment Options’net asset value) |
|----------------------------------------------------------------------|---------------------------------------------|------------------------------------------------------------------------------------------------------------------|
| No optional benefits                                                 | 5/1/2007 - 4/26/2013                        | 1.40%                                                                                                            |
| Quarterly Value Death Benefit(10)                                    | 5/1/2007 - 4/26/2013                        | 1.70%                                                                                                            |
| Bonus Option                                                         | 5/1/2007 - 4/26/2013                        | 1.70%                                                                                                            |
| Short Withdrawal Charge Option                                       | 5/1/2007 - 7/23/2013                        | 1.65%                                                                                                            |
| No Withdrawal Charge Option                                          | 3/17/2008 - 3/31/20097/22/2009 - 7/23/2012  | 1.75%                                                                                                            |
| Bonus Option and Quarterly Value Death Benefit(10)                   | 5/1/2007 - 4/26/2013                        | 2.00%                                                                                                            |
| Short Withdrawal Charge Option and Quarterly Value Death Benefit(10) | 5/1/2007 - 7/23/2013                        | 1.95%                                                                                                            |
| No Withdrawal Charge Option and Quarterly Value Death Benefit(10)    | 3/17/2008 - 3/31/2009 7/22/2009 - 7/23/2012 | 2.05%                                                                                                            |

| Currently Available Riders                                                                                                                            | Rider Charge |
|-------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|
| Maximum                                                                                                                                               | Current(11)  |
| Income ProtectorSingle Lifetime Plus Payments (as a percentage of the Benefit Base)Joint Lifetime Plus Payments (as a percentage of the Benefit Base) | 2.50%2.75%   | 1.20%1.20% |
| Investment Protector (as a percentage of the Target Value)                                                                                            | 2.50%        | 1.30% |

| Previously Available Income Protector and Income Focus Riders (Version Identifier)          | ContractVersion | Available Dates              | Rider Charge   |
|---------------------------------------------------------------------------------------------|-----------------|------------------------------|----------------|
| Maximum                                                                                     | Current(11)     |
| Single Payments                                                                             | Joint Payments  | Single Payments              | Joint Payments |
| Income Protector with  Lifetime Plus Payments(12)(as a percentage of the Benefit Base) |
| Income Protector (010.12)                                                                   | A(13) and B     | 10/15/2012 – 4/24/2015 | 2.50%          | 2.75% | 1.20% | 1.20% |
| Income Protector (07.12)                                                                    | A(13) and B     | 7/23/2012 - 10/12/2012       | 2.50%          | 2.75% | 1.10% | 1.10% |
| Income Protector (05.12)                                                                    | A(13) and B     | 4/30/2012 - 7/20/2012        | 2.50%          | 2.75% | 1.40% | 1.40% |
| Income Protector (01.12)                                                                    | A and B         | 1/23/2012 - 4/27/2012        | 2.50%          | 2.75% | 1.40% | 1.40% |
| Income Protector (05.11)                                                                    | A and B         | 5/2/2011 - 1/20/2012         | 2.50%          | 2.75% | 1.35% | 1.50% |
| Income Protector (05.10)                                                                    | A               | 5/3/2010 - 4/29/2011         | 2.50%          | 2.75% | 1.35% | 1.50% |
| Income Protector (08.09)                                                                    | A               | 7/22/2009 - 4/30/2010        | 2.50%          | 2.75% | 1.35% | 1.50% |
| Income Focus with Income Focus Payments(12)(as a percentage of the Total Income Value)      |
| Income Focus (07.12)                                                                        | B               | 7/23/2012 - 4/24/2015        | 2.75%          | 2.95% | 1.30% | 1.30% |
| Income Focus (05.12)                                                                        | B               | 4/30/2012 - 7/20/2012        | 2.75%          | 2.95% | 1.30% | 1.30% |

| Previously Available Investment Protector Riders(Version Identifier) | ContractVersion | Available Dates             | Rider Charge(as a percentage of the Target Value) |
|----------------------------------------------------------------------|-----------------|-----------------------------|---------------------------------------------------|
| Maximum                                                              | Current(11)     |
| Investment Protector (07.13)                                         | A(13) and B     | 7/22/2013 – 4/24/2015 | 2.50%                                             | 1.30% |
| Investment Protector (07.12)                                         | A(13) and B     | 7/9/2012 - 7/19/2013        | 2.50%                                             | 1.30% |
| Investment Protector (01.12)                                         | A(13) and B     | 4/30/2012 - 7/6/2012        | 2.50%                                             | 1.30% |
| Investment Protector (01.12)                                         | A and B         | 1/23/2012 - 4/27/2012       | 2.50%                                             | 1.30% |
| Investment Protector (05.10)                                         | A and B         | 5/3/2010 - 1/20/2012        | 2.50%                                             | 1.25% |
| Investment Protector (08.09)                                         | A               | 7/22/2009 - 4/30/2010       | 2.50%                                             | 1.15% |

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| Previously Available Lifetime Benefit Riders                                                                                                                                                  | Maximum AdditionalM&E Charge(14)(as a percentage of each Investment Options’ net asset value) | Current Additional M&E Charge(14)(as a percentage of eachInvestment Options’ net asset value) |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------|
| No qualifying event, or declined charge increase(15)                                                                                                                                          | Had a qualifying event and accepted increase(15)                                                        |
| Lifetime Plus II Benefit and Lifetime Plus 10 Benefit(available on Version A Contracts from 1/26/2009 through 3/31/2009)                                                                      |
| Single Lifetime Plus Payments                                                                                                                                                                 | 1.60%                                                                                                   | 0.95%                                                                                                   | 1.20% |
| Joint Lifetime Plus Payments                                                                                                                                                                  | 1.75%                                                                                                   | 1.10%                                                                                                   | 1.35% |
| Lifetime Plus II Benefit (available on Version A Contracts from 11/12/2007 through 1/23/2009) andLifetime Plus 10 Benefit (available on Version A Contracts from 7/17/2008 through 1/23/2009) |
| Single Lifetime Plus Payments                                                                                                                                                                 | 1.60%                                                                                                   | 0.80%(16)                                                                                               | 1.20%(16) |
| Joint Lifetime Plus Payments                                                                                                                                                                  | 1.75%                                                                                                   | 0.95%(16)                                                                                               | 1.35%(16) |
| Lifetime Plus Benefit (available on Version A Contracts from 5/1/2007 through 1/23/2009)                                                                                                 |
| Single Lifetime Plus Payments                                                                                                                                                                 | 1.50%                                                                                                   | 0.70%                                                                                                   | 1.20% |
| Joint Lifetime Plus Payments                                                                                                                                                                  | 1.65%                                                                                                   | 0.85%                                                                                                   | 1.35% |

| Previously Available Target Date Benefit Riders (available on Version A Contracts) | Available Dates       | Additional M&E Charge(17)(as a percentage of each Investment Options’ net asset value) |
|-----------------------------------------------------------------------------------------|-----------------------|--------------------------------------------------------------------------------------------------|
| Target Date 10 Benefit                                                                  | 1/26/2009 - 3/31/2009 | 0.55%                                                                                            |
| Target Date Retirement Benefit                                                          | 3/17/2008 - 1/23/2009 | 0.40%                                                                                            |

|                                                                                                                                                                          | Minimum | Maximum |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------|---------|
| Total annual Investment Option operating expenses(18)(including management fees, distribution or 12b-1 fees, and other expenses)before fee waivers and expense reimbursements | ____%   | ____%   |

| (9) | The Contract allows Partial Annuitization. After a Partial Annuitization, the M&E charge listed above applies to the net asset value remaining in the Accumulation Phase. If you select variable Annuity Payments the M&E charge for a Base Contract with the Bonus Option is 1.70% of the net asset value in the Annuity Phase, or 1.40% for all other Contracts. If you select fixed Annuity Payments we do not assess the M&E charge during the Annuity Phase. See section 7, Expenses – Mortality and Expense Risk (M&E) Charge. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (10) | The Contract offered three different Quarterly Value Death Benefits that have an additional 0.30% M&E charge. Appendix F describes the original (available from May 1, 2007 through April 30, 2010), and second (available from May 2, 2010 through April 27, 2012) versions of this death benefit. The Quarterly Value Death Benefit described in section 11.c was available from April 30, 2012 through April 26, 2013, and if you remove its Additional Required Benefit without simultaneously replacing it, we stop assessing the additional 0.30% M&E charge after the rider termination date. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (11) | The current rider charge may increase or decrease on each Quarterly Anniversary. For Income Protector and Investment Protector see section 7, Expenses – Rider Charge. For Income Focus see Appendix I. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (12) | If you select the Charge Lock Option rider, the rider charge for Income Protector or Income Focus is fixed at the rate in effect on the Charge Lock Date. You will continue to pay the rider charge after the Charge Lock Date as long as your selected benefit is in effect and your Contract Value is positive. For Income Protector see section 7, Expenses – Rider Charge. For Income Focus see Appendix I. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (13) | Available on Version A Contracts issued on or after April 1, 2009. |
|------|--------------------------------------------------------------------|

| (14) | We assess the additional M&E charge for these optional benefits during the Accumulation Phase while your benefit is in effect and your Contract Value is positive as discussed in Appendix D. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (15) | A qualifying event is the reset of a Lifetime Benefit’s Annual Increase, or an automatic annual Lifetime Plus Payment increase, that occurred on or after April 29, 2013. If you have had an annual payment increase, your additional M&E charge does not change until the next fifth Benefit Anniversary. If you have had a qualifying event, you can decline this increase to the additional M&E charge as discussed in Appendix D. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (16) | On the Benefit Date, the additional M&E charge reduces 0.10% as discussed in Appendix D. |
|------|----------------------------------------------------------------------------------------------|

| (17) | We assess the additional M&E charge for these optional benefits during the Accumulation Phase while your benefit is in effect and your Contract Value is positive as discussed in Appendix E. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (18) | Some of the Investment Options or their affiliates may also pay service fees to us or our affiliates. Amounts may be different for each Investment Option. The maximum current fee is 0.25%. If these fees are deducted from Investment Option assets, they are reflected in the above table and disclosed in Appendix A. Appendix A contains annual operating expense details for each Investment Option. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | 1) | If you surrender your Contract (take a full withdrawal) at the end of each time period. |
|--------|----|-----------------------------------------------------------------------------------------|

| Total annual Investment Option operating expensesbefore any fee waivers or expense reimbursements of: | 1 Year | 3 Years | 5 Years | 10 Years |
|-------------------------------------------------------------------------------------------------------|--------|---------|---------|----------|
| ____% (the maximum Investment Option operating expense)                                               |   |    |    |     |
| ____% (the minimum Investment Option operating expense)                                               |   |    |    |     |

|   | 2) | If you apply your total Contract Value to Annuity Payments (take a Full Annuitization) at the end of each time period. The earliest available date Annuity Payments can begin (Income Date) is two years after the date we issue the Contract (Issue Date) in all states except Florida, which is one year after the Issue Date. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Total annual Investment Option operating expensesbefore any fee waivers or expense reimbursements of: | 1 Year | 3 Years | 5 Years | 10 Years |
|-------------------------------------------------------------------------------------------------------|--------|---------|---------|----------|
| ____% (the maximum Investment Option operating expense)                                               |   |    |    |     |
| ____% (the minimum Investment Option operating expense)                                               |   |    |    |     |

|   | 3) | If you do not surrender your Contract. |
|--------|----|----------------------------------------|

| Total annual Investment Option operating expensesbefore any fee waivers or expense reimbursements of: | 1 Year | 3 Years | 5 Years | 10 Years |
|-------------------------------------------------------------------------------------------------------|--------|---------|---------|----------|
| ____% (the maximum Investment Option operating expense)                                               |   |    |    |     |
| ____% (the minimum Investment Option operating expense)                                               |   |    |    |     |

| 1. | THE VARIABLE ANNUITY CONTRACT |
|----|-------------------------------|

----

| · | Income Protector (see section 11.a) provides guaranteed lifetime income called Lifetime Plus Payments that can begin from age 60 to age 90. We base payments on the Benefit Base that is at least equal to the Annual Increase (total Purchase Payments adjusted for withdrawals plus a quarterly simple interest increase). You must be age 80 or younger to select Income Protector. Appendix J contains information specific to older versions of this benefit that were issued from July 22, 2009 to April 24, 2015. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Investment Protector (see section 11.b) provides a Target Value (a level of protection for your principal and any annual investment gains) that is available on a future date if you hold the Contract for the required period. You must be age 80 or younger to select Investment Protector. Appendix J contains information specific to older versions of this benefit that were issued from July 22, 2009 to April 24, 2015. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Quarterly Value Death Benefit potentially provides an increased death benefit based on the highest quarterly Contract Value adjusted for withdrawals (Quarterly Anniversary Value). The Quarterly Value Death Benefit was only available at issue. Section 11.c describes the Quarterly Value Death Benefit that was available from April 30, 2012 through April 26, 2013. Appendix F describes the original Quarterly Value Death Benefit available from May 1, 2007 through April 30, 2010, and the second Quarterly Value Death Benefit available from May 2, 2010 through April 27, 2012. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | TheBonus Option (see section 11.d) provides a 6% bonus on Purchase Payments received before age 81 subject to a three-year vesting schedule. The Bonus Option has a higher and longer withdrawal charge schedule and was only available at issue from May 1, 2007 through April 26, 2013. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | TheLifetime Benefits (see Appendix D) are similar to Income Protector. These benefits also provide Lifetime Plus Payments based on the Benefit Base, but the Benefit Base is calculated differently under each benefit. The Lifetime Plus Benefit was available from May 1, 2007 to January 23, 2009 and the Lifetime Plus II Benefit was available from November 12, 2007 to March 31, 2009. Both of these benefits allow payments to begin from age 50 to age 90. The Lifetime Plus 10 Benefit was available from June 17, 2008 to March 31, 2009 and payments can begin from age 65 to 90. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Target Date Benefits (see Appendix E) are similar to Investment Protector. These benefits also provide a Target Value that is available on a future date if you hold the Contract for the required period, but the Target Value is calculated differently. The Target Date Retirement Benefit was available from March 17, 2008 to January 23, 2009, and the Target Date 10 Benefit was available from January 26, 2009 to March 31, 2009. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | TheShort Withdrawal Charge Option (see Appendix G) shortens the Base Contract’s withdrawal charge period from seven to four years. It was only available at issue from May 1, 2007 through July 23, 2012. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | TheNo Withdrawal Charge Option (see Appendix H) eliminates the Base Contract’s withdrawal charge. It was only available at issue from March 17, 2008 through March 31, 2009, and then again from July 22, 2009 through July 23, 2012. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Income Focus (see Appendix I) provides guaranteed lifetime income called Income Focus Payments (which are similar to Lifetime Plus Payments) that can begin from age 60 to age 90. We base payments on a percentage (Income Value Percentage) of each Income Value (Purchase Payments adjusted for withdrawals). Income Value Percentages can potentially increase by 1% each year if your Contract Value increases (Performance Increases). Income Focus was available from April 30, 2012 to April 24, 2015. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | The Business Day before the Income Date that you take a Full Annuitization. A Business Day is any day the New York Stock Exchange is open, except when an Investment Option does not value its shares. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Business Day we process your request for a full withdrawal. |
|--------|-----------------------------------------------------------------|

| · | Upon the death of any Owner (or the Annuitant if the Contract is owned by a non-individual), the Business Day we first receive a Valid Claim from any one Beneficiary, unless the surviving spouse continues the Contract. If there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Investment Options until the complete distribution of the death benefit. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Free look/Right to Examine provisions. |
|--------|----------------------------------------|

| · | The withdrawal charge. |
|--------|------------------------|

| · | Restrictions on additional Purchase Payments, joint Covered Persons, Contract assignments, the maximum available assumed investment rate used to calculate variable Annuity Payments, and the earliest Income Date. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Availability of the Investment Protector rider, Charge Lock Option rider, waiver of withdrawal charge benefit, automatic investment plan and free withdrawal privilege. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Termination of the Income Protector and Income Focus riders. |
|--------|--------------------------------------------------------------|

| · | all applicable phases of the Contract (Accumulation Phase and/or Annuity Phase) have ended, and/or |
|--------|----------------------------------------------------------------------------------------------------|

| · | if we received a Valid Claim, all applicable death benefit payments have been made. |
|--------|-------------------------------------------------------------------------------------|

----

| 2. | OWNERS, ANNUITANTS, AND OTHER SPECIFIED PERSONS |
|----|-------------------------------------------------|

| UPON THE DEATH OF A SOLE OWNER                                             |
|----------------------------------------------------------------------------|
| Action under the portion of the Contract that is in the Accumulation Phase | Action under any portion of the Contract thatis in the Annuity Phase |
| ·                                                                     | We pay a death benefit to the person you designate (the Beneficiary) unless the Beneficiary is the surviving spouse and continues the Contract. If the surviving spouse continues the Contract, they become the new Owner and the Accumulation Phase continues. | ·  | If we are still required to make Annuity Payments under the selected Annuity Option, the Beneficiary also becomes the new Owner. |
| ·                                                                     | If the deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable. |
| ·                                                                     | If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows.–Annuity Option 1  or 3, payments end.–Annuity Option 2 or 4, payments end when the guarantee period ends.–Annuity Option 5,  payments end and the Payee may receive a lump sum refund. |
| ·                                                                     | If the deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable. |

----

| · | solely owned Contracts, the Covered Person is the Owner. |
|--------|----------------------------------------------------------|

| · | jointly owned Contracts, you can choose which Owner is the Covered Person. |
|--------|----------------------------------------------------------------------------|

| · | Contracts owned by a non-individual, the Covered Person is the Annuitant. |
|--------|---------------------------------------------------------------------------|

| · | Non-Qualified Contracts: |
|--------|--------------------------|

|   | – | spouses must be Joint Owners; or |
|--------|---------|----------------------------------|

|   | – | one spouse must be the sole Owner and Annuitant and the other spouse must be the sole primary Beneficiary. |
|--------|---------|------------------------------------------------------------------------------------------------------------|

| · | Qualified Contracts: |
|--------|----------------------|

|   | – | one spouse must be the sole Owner and Annuitant and the other spouse must be the sole primary Beneficiary; or |
|--------|---------|---------------------------------------------------------------------------------------------------------------|

|   | – | if the Owner is a qualified plan or a custodian, then one spouse must be the Annuitant and the other spouse must be the sole contingent Beneficiary because we also require the qualified plan or custodian to be the sole primary Beneficiary. This structure allows the surviving non-Annuitant spouse to continue to receive lifetime payments. |
|--------|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| * | Or on the next Business Day if the Contract Anniversary or Benefit Anniversary is not a Business Day. |
|---|-------------------------------------------------------------------------------------------------------|

----

| · | For Income Protector or Income Focus riders issued in states other than California or New Jersey: Following an assignment or change of ownership/Annuitant/Beneficiary, if a Covered Person no longer has the required relationship stated here, he or she is removed from the Contract as a Covered Person. If we remove all Covered Persons from the Contract, the benefit and any lifetime payments end. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Joint Owners selecting single lifetime payments: If you are no longer spouses on the date of an Owner’s death and the Contract Value is positive, we pay the death benefit to the Beneficiary and the benefit and any lifetime payments end. This means Lifetime Plus Payments or Income Focus Payments are no longer available even if a Covered Person is still alive. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Income Protector or Income Focus riders issued to civil union partners in New Jersey: We allow civil union partners to be Joint Owners and/or joint Covered Persons. However, civil union partners are treated differently from persons who are recognized as spouses under the federal tax law and this affects how long lifetime payments continue. Upon the death of one federally recognized spouse, the survivor can continue the Contract and lifetime payments also continue if the survivor is a Covered Person. This type of continuation is not allowed for a surviving civil union partner under the federal tax law with the following exception. If the Contract Value reduces to zero before the one year anniversary of the first civil union partner’s death, lifetime payments can continue if the survivor is a Covered Person and the survivor chooses not to take the death benefit. If instead the Contract Value is positive at this time, or if the survivor chooses to take the death benefit, lifetime payments stop. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | An assignment does not change the Covered Person(s). |
|--------|------------------------------------------------------|

| · | For riders issued in California, Florida, Ohio, Oregon, New Jersey, Texas and Wisconsin: We cannot restrict assignments. |
|--------|--------------------------------------------------------------------------------------------------------------------------|

| · | For riders issued in states other than California or New Jersey: Following an assignment or change of ownership/Annuitant/Beneficiary, if all Covered Persons no longer have the required relationship as stated under “Covered Person(s)” in this section (Owner, Annuitant or sole Beneficiary) your selected benefit and any lifetime payments end. Any existing Contract assignment must be removed before you begin receiving lifetime payments. We may make exceptions to the removal of a Contract assignment in order to comply with applicable law. This means that Lifetime Plus Payments or Income Focus Payments may end even if the Covered Person is still alive. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For riders issued in California and New Jersey: Following an assignment or change of ownership/Annuitant/Beneficiary, if a Covered Person who was previously an Owner or Annuitant no longer has that position, the benefit and any lifetime payments end based on the earlier of the date of death of an individual Owner (or Annuitant if the Owner is a non-individual) or last surviving Covered Person. However, if the deceased’s spouse continues the Contract, the benefit and lifetime payments continue until the earlier of the date of death of the surviving spouse or last surviving Covered Person. For riders issued in New Jersey involving civil union partners, the benefit and lifetime payments may end even earlier because Contract continuation is not allowed for a surviving civil union partner. This means that Lifetime Plus Payments or Income Focus Payments may end even if the Covered Person is still alive. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | PURCHASE PAYMENTS |
|----|-------------------|

| · | If you do not select Income Protector or Investment Protector, and do not have Income Focus, you can make additional Purchase Payments of $50 or more during the Accumulation Phase. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select Income Protector or Investment Protector, or have Income Focus, we restrict additional Purchase Payments. Each rider year that we allow additional payments you cannot add more than your initial amount without our prior approval. If you select Income Protector or have Income Focus, we do not allow additional payments on or after the date Lifetime Plus Payments or Income Focus Payments begin (Benefit Date). If you select Investment Protector we do not allow additional payments on or after the third rider anniversary. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Your initial amount is all Purchase Payments received before the first Quarterly Anniversary of the first Contract Year. A Contract Year is a period of twelve months beginning on the Issue Date or any subsequent Contract Anniversary. If your benefit is effective on the Issue Date, we allow you to add up to the initial amount in the remainder of the first Contract Year (the first Quarterly Anniversary to the last Business Day before the first Contract Anniversary). |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | If you remove Income Protector, Income Focus or Investment Protector, these restrictions no longer apply. |
|--------|-----------------------------------------------------------------------------------------------------------|

| · | We do not accept additional Purchase Payments on or after the Income Date that you take a Full Annuitization. |
|--------|---------------------------------------------------------------------------------------------------------------|

| · | The maximum total Purchase Payments we accept without our prior approval is $1 million including amounts already invested in other Allianz Life variable annuities. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | For Contracts issued in Mississippi: We do not accept additional Purchase Payments on or after the first Contract Anniversary. |
|--------|--------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts issued in Massachusetts: If you have Investment Protector we do not accept additional Purchase Payments on or after the third Contract Anniversary. This restriction continues to apply even if you later remove Investment Protector from your Contract. Contracts issued in Massachusetts with Investment Protector are issued as individual limited purchase payment variable deferred annuity contracts. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts issued in New Jersey: We can only decline an additional Purchase Payment if it would cause total Purchase Payments to be more than $1.5 million for Contracts issued on or prior to April 29, 2011, or more than $1 million for Contracts issued from May 2, 2011 through April 26, 2013, or if it would otherwise violate the Purchase Payment restrictions for your Contract (for example, the initial amount for Income Protector). |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts issued in Connecticut and Florida: We can only decline a Purchase Payment if it would cause total Purchase Payments to be more than $1 million, or if it would otherwise violate the Purchase Payment restrictions for your Contract (for example, the initial amount for Income Protector). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | If you begin Annuity Payments, AIP ends on the Business Day before the Income Date. |
|--------|-------------------------------------------------------------------------------------|

| · | If you select Income Protector or have Income Focus, AIP ends on the Benefit Date. |
|--------|------------------------------------------------------------------------------------|

| · | If you select Investment Protector, AIP ends on the third rider anniversary. |
|--------|------------------------------------------------------------------------------|

| · | the Benefit Date that Lifetime Plus Payments begin if you select Income Protector; |
|--------|------------------------------------------------------------------------------------|

| · | you request to end the program (your request must be received at our Service Center by 4 p.m. Eastern Time on the Business Day immediately before the tenth to end that month); |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | the DCA program period ends (which is either six or twelve months); or |
|--------|------------------------------------------------------------------------|

| · | your Contract ends. |
|--------|---------------------|

----

|   | NOTE: |
|--------|-------|

| · | For Contracts with Income Protector or Investment Protector, quarterly rebalancing transfers under these benefits do not move Contract Value allocated to the DCA program into or out of the AZL Money Market Fund. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | This program is not available if you have Income Focus. |
|--------|---------------------------------------------------------|

| 4. | VALUING YOUR CONTRACT |
|----|-----------------------|

| · | On Wednesday, we receive at our Service Center an additional Purchase Payment of $3,000 from you before the end of the Business Day. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------|

| · | When the New York Stock Exchange closes on that Wednesday, we determine that the accumulation unit value is $13.25 for your selected Investment Option. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 5. | INVESTMENT OPTIONS |
|----|--------------------|

----

|   | INVESTMENT OPTIONS |
|--------|--------------------|

| Investment Management CompanyandAdviser/Subadviser | Name of Investment Option            | Asset Category                                | Objective(s)                                                                              | Primary Investments(Normal market conditions)                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|----------------------------------------------------|--------------------------------------|-----------------------------------------------|-------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ALLIANZ FUND OF FUNDS                              |
| Managed by Allianz Investment Management LLC       | AZL Balanced Index Strategy Fund     | A “Fund of Funds” Model Portfolio | Long-term capital appreciation with preservation of capital as an important consideration | Invests primarily in a combination of five underlying bond and equity index funds, to achieve a range generally from 40% to 60% of assets in the underlying equity index funds and 40% to 60% in the underlying bond index fund.                                                                                                                                                                                                                                                                       |
|                                               | AZL Growth Index Strategy Fund       | A “Fund of Funds” Model Portfolio | Long-term capital appreciation                                                            | Invests primarily in a combination of five underlying bond and equity index funds, to achieve a range generally from 65% to 85% of assets in the underlying equity index funds and 15% to 35% in the underlying bond index fund.                                                                                                                                                                                                                                                                       |
|                                               | AZL MVP Fusion Balanced Fund         | A “Fund of Funds” Model Portfolio | Long-term capital appreciation with preservation of capital as an important consideration | Allocation among the underlying investments, to achieve a range generally from 40% to 60% of assets in equity funds and approximately 40% to 60% invested in fixed income funds, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May include allocation of the Fund’s assets in a combination of derivative and fixed income instruments.                             |
|                                               | AZL MVP Fusion Conservative Fund     | A “Fund of Funds” Model Portfolio | Long-term capital appreciation with preservation of capital as an important consideration | Allocation among the underlying investments, to achieve a range generally from 25% to 45% of assets in equity funds and approximately 55% to 75% invested in fixed income funds, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May include allocation of the Fund’s assets in a combination of derivative and fixed income instruments.                             |
|                                               | AZL MVP Fusion Growth Fund           | A “Fund of Funds” Model Portfolio | Long-term capital appreciation                                                            | Allocation among the underlying investments, to achieve a range generally from 70% to 90% of assets in equity funds and approximately 10% to 30% invested in fixed income funds, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May include allocation of the Fund’s assets in a combination of derivative and fixed income instruments.                             |
|                                               | AZL MVP Fusion Moderate Fund         | A “Fund of Funds” Model Portfolio | Long-term capital appreciation                                                            | Allocation among the underlying investments, to achieve a range generally from 55% to 75% of assets in equity funds and approximately 25% to 45% invested in fixed income funds, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May include allocation of the Fund’s assets in a combination of derivative and fixed income instruments.                             |
|                                               | AZL MVP Balanced Index Strategy Fund | A “Fund of Funds” Model Portfolio | Long-term capital appreciation with preservation of capital as an important consideration | Invests primarily (approximately 80% to 100%) in a combination of five underlying index funds (generally allocated 40% to 60% to underlying equity index funds and 40% to 60% to underlying bond index funds), combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May invest up to 20% of the Fund’s assets in a combination of derivative and fixed income instruments. |

----

|                                                                              | AZL MVP BlackRock Global Allocation Fund               | Specialty                                     | High total investment return                                                                                                             | Invests primarily (approximately 80% to 100%) in the underlying AZL BlackRock Global Allocation Fund, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May invest up to 20% of the Fund’s assets in a combination of derivative and fixed income instruments.                                                                                                          |
|-----------------------------------------------------------------------------------|--------------------------------------------------------|-----------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                              | AZL MVP Franklin Templeton Founding Strategy Plus Fund | Specialty                                     | Long-term capital appreciation with income as a secondary goal                                                                           | Invests primarily (approximately 80% to 100%) in the underlying AZL Franklin Templeton Founding Strategy Plus Fund, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May invest up to 20% of the Fund’s assets in a combination of derivative and fixed income instruments.                                                                                            |
|                                                                              | AZL MVP Growth Index Strategy Fund                     | A “Fund of Funds” Model Portfolio | Long-term capital appreciation                                                                                                           | Invests primarily (approximately 80% to 100%) in a combination of five underlying index funds (generally allocated 65% to 85% to underlying equity index funds and 15% to 35% to underlying bond index funds), combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May invest up to 20% of the Fund’s assets in a combination of derivative and fixed income instruments. |
|                                                                              | AZL MVP Invesco Equity and Income Fund                 | Specialty                                     | Highest possible income consistent with safety of principal. Secondary objective of long-term growth of capital                          | Invests primarily (approximately 80% to 100%) in the underlying AZL Invesco Equity and Income Fund, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May invest up to 20% of the Fund’s assets in a combination of derivative and fixed income instruments.                                                                                                            |
|                                                                              | AZL MVP T. Rowe Price Capital Appreciation Fund        | Specialty                                     | Long term capital appreciation with preservation of capital as an important intermediate-term objective                                  | Invests primarily (approximately 80% to 100%) in the underlying AZL T. Rowe Price Capital Appreciation Fund, combined with the MVP (Managed Volatility Portfolio) risk management process intended to adjust the risk of the portfolio based on quantitative indicators of market risk. May invest up to 20% of the Fund’s assets in a combination of derivative and fixed income instruments.                                                                                                   |
| BLACKROCK                                                                         |
| Managed by Allianz Investment Management LLC/BlackRock Capital Management, Inc.   | AZL BlackRock Capital Appreciation Fund                | Large Growth                                  | Long-term growth of capital                                                                                                              | Invests at least 65% of total assets in common and preferred stock and securities convertible into common and preferred stock of mid-size and large-size companies.                                                                                                                                                                                                                                                                                                                                    |
| Managed by Allianz Investment Management LLC/BlackRock Financial Management, Inc. | AZL Enhanced Bond Index Fund                           | Intermediate-Term Bonds                       | Exceed total return of the Barclays Capital U.S. Aggregate Bond Index                                                                    | Invests at least 80% of net assets in investment-grade debt securities of all types and repurchase agreements for those securities.                                                                                                                                                                                                                                                                                                                                                                    |
| Managed by Allianz Investment Management LLC/BlackRock Investment Management, LLC | AZL International Index Fund                           | International                                 | Match the performance of the MSCI EAFE® Index as closely as possible                                                                | Invests at least 80% of its assets in a statistically selected sampling of equity securities of companies included in the Morgan Stanley Capital International Europe, Australasia and Far East Index (MSCI EAFE) and in derivative instruments linked to the MSCI EAFE Index.                                                                                                                                                                                                                         |
|                                                                              | AZL Mid Cap Index Fund                                 | Mid Cap                                       | Match the performance of the Standard & Poor’s MidCap 400® Index (“S&P 400 Index”) as closely as possible | Invests at least 80% of the value of its net assets in a statistically selected sampling of equity securities of companies included in the S&P 400 Index and in derivative instruments linked to the S&P 400 Index, primarily futures contracts.                                                                                                                                                                                                                                          |

----

| Managed by Allianz Investment Management LLC/BlackRock Advisors, LLC                                        | AZL Money Market Fund                   | Cash Equivalent                | Current income consistent with stability of principal         | Invests in a broad range of short-term, high quality U.S. dollar-denominated money market instruments, including government, U.S. and foreign bank, commercial and other obligations. During extended periods of low interest rates, and due in part to contract fees and expenses, the yield of the AZL Money Market Fund may also become extremely low and possibly negative. |
|-------------------------------------------------------------------------------------------------------------|-----------------------------------------|--------------------------------|---------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Managed by Allianz Investment Management LLC/BlackRock Investment Management, LLC                           | AZL Russell 1000 Growth Index Fund      | Large Growth                   | Match the total return of the Russell 1000® Growth Index | Invests in all stocks in the Russell 1000® Growth Index in proportion to their weighting in the index.                                                                                                                                                                                                                                                                     |
|                                                                                                        | AZL Russell 1000 Value Index Fund       | Large Value                    | Match the total return of the Russell 1000® Value Index  | Invests in all stocks in the Russell 1000® Value Index in proportion to their weighting in the index.                                                                                                                                                                                                                                                                      |
|                                                                                                        | AZL S&P 500 Index Fund              | Large Blend                    | Match total return of the S&P 500®                   | Normally invests in all 500 stocks in the S&P 500® in proportion to their weighting in the index.                                                                                                                                                                                                                                                                      |
|                                                                                                        | AZL Small Cap Stock Index Fund          | Small Cap                      | Match performance of the S&P SmallCap 600 Index®     | Invests at least 80% of its assets in investments of small capitalization companies, with market capitalizations at the time of purchase, included in the S&P SmallCap 600 Index.                                                                                                                                                                                           |
| Managed by BlackRock Advisors, LLC/BlackRock Investment Management, LLC and BlackRock International Limited | BlackRock Global Allocation V.I. Fund   | Specialty                      | High total investment return                                  | Invests in both equity and debt securities, including money market securities, of issuers located around the world. Seeks diversification across markets, industries, and issuers. May invest in securities of companies of any market capitalization and in REITs.                                                                                                             |
| DAVIS                                                                                                       |
| Managed by Davis Selected Advisers, L.P.                                                                    | Davis VA Financial Portfolio            | Specialty                      | Long-term growth of capital                                   | At least 80% of net assets in securities issued by companies principally engaged in the financial services sector.                                                                                                                                                                                                                                                              |
| DREYFUS                                                                                                     |
| Managed by Allianz Investment Management LLC/The Dreyfus Corporation                                        | AZL Dreyfus Research Growth Fund        | Large Growth                   | Long-term growth of capital and income                        | Primarily invests in common stocks of large, well-established and mature companies. Normally invests at least 80% of its net assets in stocks that are included in a widely recognized index of stock market performance. May invest in non-dividend paying companies and up to 30% of its total assets in foreign securities.                                                  |
| FEDERATED                                                                                                   |
| Managed by Allianz Investment Management LLC/Federated Global Investment Management Corp.                   | AZL Federated Clover Small Value Fund   | Small Cap                      | Capital Appreciatiion                                         | Invests at least 80% of its net assets in common stocks and other equity securities of U.S. companies with small market capitalizations, at the time of purchase in the range of companies included in the Russell 2000 Index.                                                                                                                                                  |
| FIDELITY                                                                                                    |
| Managed by Strategic Advisers, Inc.                                                                         | Fidelity VIP FundsManager 50% Portfolio | Model Portfolio(Fund of Funds) | High total return                                             | Invests in a combination of underlying Fidelity retail and variable insurance products funds using a target allocation of approximately 35% domestic equity funds, 15% international equity funds, 40% fixed income funds and 10% money market funds, to achieve portfolio characteristics similar to the VIP FundsManager 50% Composite Index.                                 |
|                                                                                                        | Fidelity VIP FundsManager 60% Portfolio | Model Portfolio(Fund of Funds) | High total return                                             | Invests in a combination of underlying Fidelity retail and variable insurance products funds using a target allocation of approximately 42% domestic equity funds, 18% international equity funds, 35% fixed income funds and 5% money market funds, to achieve portfolio characteristics similar to the VIP FundsManager 60% Composite Index.                                  |

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| FRANKLIN TEMPLETON                                                                                                                         |
|--------------------------------------------------------------------------------------------------------------------------------------------|
| Managed by Allianz Investment Management LLC/Franklin Mutual Advisers, LLC, Templeton Global Advisors Limited, and Franklin Advisers, Inc. | AZL Franklin Templeton Founding Strategy Plus Fund | Specialty | Long-term capital appreciation, with income as a secondary goal | Invests in a combination of subportfolios or strategies, each of which is managed by an asset manager that is part of Franklin Templeton. The strategies invest primarily in U.S. and foreign equity and fixed income securities. |
| Administered by Franklin Templeton Services, LLC                                                                                           | Franklin Founding Funds Allocation VIP Fund | Specialty(Fund of Funds) | Capital appreciation with income as a secondary goal. | Invests equal portions in Class 1 shares of the Franklin Income VIP Fund, Mutual Shares VIP Fund, and Templeton Growth VIP Fund. |
| Managed by Franklin Advisers, Inc.                                                                                                         | Franklin High Income VIP Fund | High-Yield Bonds | High current income with capital appreciation as a secondary goal | Invests predominantly in high yield, lower-rated debt securities (“junk bonds”) and preferred stocks. |
|                                                                                                                                       | Franklin Income VIP Fund | Specialty | Maximize income while maintaining prospects for capital appreciation | Normally invests in debt and equity securities. |
| Managed by Franklin Mutual Advisers, LLC                                                                                                   | Franklin Mutual Shares VIP Fund | Large Value | Capital appreciation, with income as a secondary goal | Invests primarily in U.S. and foreign equity securities that the investment manager believes are undervalued. |
| Managed by Franklin Advisers, Inc.                                                                                                         | Franklin U.S. Government Securities VIP Fund | Intermediate-Term Bonds | Income | At least 80% of its net assets in U.S. government securities. |
|                                                                                                                                       | Templeton Global Bond VIP Fund | Intermediate-Term Bonds | High current income, consisent with preservation of capital, with capital appreciation as a secondary consideration | Normally invests at least 80% of its net assets in bonds, which include debt securities of any maturity, such as bonds, notes, bills and debentures. |
| Managed by Templeton Global Advisors Limited                                                                                               | Templeton Growth VIP Fund | International Equity | Long-term capital growth | Normally invests predominantly in equity securities of companies located anywhere in the world, including emerging markets. |
| GATEWAY                                                                                                                                    |
| Managed by Allianz Investment Management LLC/Gateway Investment Advisors, LLC                                                              | AZL Gateway Fund | Specialty | Capture equity market investment returns, while exposing investors to less risk than other equity investments | Normally invests in a broadly diversified portfolio of common stocks, while also selling index call options and purchasing index put options. May invest in companies with small, medium or large market capitalizations and in foreign securities traded in U.S. markets. |
| INVESCO                                                                                                                                    |
| Managed by Allianz Investment Management LLC/Invesco Advisers, Inc.                                                                        | AZL Invesco Equity and Income Fund | Specialty | Highest possible income consistent with safety of principal. Secondary objective of long-term growth of capital | Invests at least 80% of its net assets in equity and income securities. Invests at least 65% of its total assets in income-producing equity securities and also invests in investment grade quality debt securities. May invest up to 15% of net assets in REITs and up to 25% ot net assets in foreign securities. |
|                                                                                                                                       | AZL Invesco Growth and Income Fund | Large Value | Income and long-term growth of capital | Invests primarily in income-producing equity securities, including common stocks and convertible securities. May invest up to 15% of net assets in REITs and up to 25% of net assets in foreign securities. |
|                                                                                                                                       | AZL Invesco International Equity Fund | International | Long-term growth of capital | At least 80% of its assets in a diversified portfolio of equity securities of foreign issuers that are considered by the fund’s subadviser to have strong earnings growth. |

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| J.P. MORGAN                                                                             |
|-----------------------------------------------------------------------------------------|
| Managed by Allianz Investment Management LLC/J.P. Morgan Investment Management, Inc.    | AZL JPMorgan International Opportunities Fund | International | Long term capital appreciation | Invests at least 80% of assets in a diversified portfolio of equity securities of issuers from developed countries other than the U.S., primarily those in the MSCI EAFE Index. |
|                                                                                    | AZL JPMorgan U.S. Equity Fund | Large Blend | High total return | Invests at least 80% of its net assets, plus any borrowings for investment purposes, primarily in equity securities of large- and medium-capitalization U.S. companies. |
| Managed by J.P. Morgan Investment Management, Inc.                                      | JPMorgan Insurance Trust Core Bond Portfolio | Intermediate-Term Bonds | Maximize total return | Invests at least 80% of net assets in bonds with intermediate to long-term maturities. |
| MFS                                                                                     |
| Managed by Allianz Investment Management LLC/Massachusetts Financial Services Company   | AZL MFS Investors Trust Fund | Large Blend | Capital appreciation | Invests primarily in equity securities of companies with large capitalizations that the subadviser believes has above average earnings growth potential, are undervalued, or in a combination of growth and value companies. |
|                                                                                    | AZL MFS Mid Cap Value Fund | Mid Cap | Capital appreciation | Invests at least 80% of net assets in equity securities of companies that have market capitalizations in the range of the companies in the Russell Midcap® Value Index at the time of purchase that the fund’s subadviser believes are undervalued. |
|                                                                                    | AZL MFS Value Fund | Large Value | Capital appreciation | The fund seeks capital appreciation and normally invests the Fund’s assets primarily in equity securities. MFS focuses on investing the Fund’s assets in the stocks of companies it believes are undervalued compared to their perceived worth. |
| Managed by Massachusetts Financial Services Company                                     | MFS VIT Research Bond Portfolio | Intermediate-Term Bond | Total return with an emphasis on current income, but also considering capital appreciation | Invests at least 80% of net assets in debt instruments, mainly investment grade, but also in less than investment grade quality debt instruments. May also invest in foreign securities and may use derivatives for any investment purpose. |
| MORGAN STANLEY                                                                          |
| Managed by Allianz Investment Management LLC/Morgan Stanley Investment Management, Inc. | AZL Morgan Stanley Global Real Estate Fund | Specialty | Income and capital appreciation | Invests at least 80% of assets in equity securities of companies in the real estate industry located throughout the world, including real estate investment trusts and real estate operating companies established outside the U.S. |
|                                                                                    | AZL Morgan Stanley Mid Cap Growth Fund | Mid Cap | Capital growth | Invests at least 80% of net assets in common stocks and other equity securities of mid capitalization growth companies, with market capitalizations within the range of the Russell Midcap Growth Index. |
| NFJ                                                                                     |
| Managed by Allianz Investment Management LLC/NFJ Investment Group LLC                   | AZL NFJ International Value Fund | International Equity | Long-term growth of capital and income | Invests at least 65% of net assets in equity securities of non-U.S. companies with market capitalization greater than $1 billion, with a significant portion in dividend-paying securities and up to 50% in emerging market securities. |
| Managed by Allianz Global Investors Fund Management LLC                                 | Allianz NFJ Dividend Value VIT Portfolio | Large Value | Long-term growth of capital and income | Invests at least 80% of net assets in common stocks and other equity securities of companies that pay or are expected to pay dividends, and have market capitalizations greater than $3.5 billion. |
| OPPENHEIMERFUNDS                                                                        |
| Managed by Allianz Investment Management LLC/OppenheimerFunds, Inc.                     | AZL Oppenheimer Discovery Fund | Small Cap | Capital appreciation | Under normal market conditions, invests at least 80% of its net assets in common stocks and other equity securities of U.S. companies with small market capitalizations, at the time of purchase in the range of companies included in the Russell 2000 Growth Index and that the subadviser believes to have favorable growth prospects. |

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| PIMCO                                                |
|------------------------------------------------------|
| Managed by Pacific Investment Management Company LLC | PIMCO EqS Pathfinder Portfolio | International Equity | Capital appreciation | Normally invests in equity securities, including common and preferred stock, of issuers that PIMCO believes are undervalued by the market in comparison to PIMCO’s own determination of the company’s value. May invest in securities and instruments that are economically tied to foreign countries. |
|                                                 | PIMCO VIT All Asset Portfolio | Specialty(Fund of Funds) | Maximum real return consistent with preservation of real capital and prudent investment management | Invests substantially all of its assets in institutional class shares of the underlying PIMCO Funds. |
|                                                 | PIMCO VIT CommodityRealReturn® Strategy Portfolio | Specialty | Maximum real return consistent with prudent investment management | Invests in commodity linked derivative instruments backed by a portfolio of inflation-indexed securities and other fixed income securities. |
|                                                 | PIMCO VIT Emerging Markets Bond Portfolio | Intermediate-Term Bonds | Maximum total return, consistent with preservation of capital and prudent investment management | At least 80% of its assets in fixed income instruments of issuers that economically are tied to emerging markets countries. |
|                                                 | PIMCO VIT Global Advantage Strategy Bond Portfolio | Intermediate-Term Bonds | Total return, which exceeds that of its benchmarks, consistent with prudent investment management | At least 80% of its assets in fixed income instruments that are economically tied to at least three countries (one of which may be the United States), which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements. |
|                                                 | PIMCO VIT Global Bond Portfolio (Unhedged) | Intermediate-Term Bonds | Maximum total return, consistent with preservation of capital and prudent investment management | At least 80% of its assets in fixed income instruments of issuers in at least three countries (one of which may be the U.S.), which may be represented by forwards or derivatives. May invest, without limitation, in securities economically tied to emerging market countries. |
|                                                 | PIMCO VIT Global Multi-Asset Managed Allocation Portfolio | Specialty | Total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index | Invests in a combination of affiliated and unaffiliated funds, fixed income instruments, equity securities, forwards and derivatives. Typically invests 50% to 70% of total assets in equity-related investments. |
|                                                 | PIMCO VIT Global Multi-Asset Managed Volatility Portfolio | Specialty | Total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index with explicit management of overall portfolio volatility | Invests in a combination of affiliated and unaffiliated funds, fixed income instruments, equity securities, forwards and derivatives. Typically invests 50% to 70% of total assets in equity-related investments. A three-step approach is used in seeking to achieve the return and volatility parameters of the investment objective. |
|                                                 | PIMCO VIT High Yield Portfolio | High-Yield Bonds | Maximum total return, consistent with preservation of capital and prudent investment management | At least 80% of assets in a diversified portfolio of high-yield securities (“junk bonds”) rated below investment grade by Moody’s or equivalently rated by S&P or Fitch. May invest up to 20% of total asets in securities denominated in foreign currencies. |
|                                                 | PIMCO VIT Real Return Portfolio  | Intermediate-Term Bonds | Maximum real return, consistent with preservation of real capital and prudent investment management | At least 80% of its net assets in inflation-indexed bonds of varying maturities issued by the U.S. and non-U.S. governments, their agencies or instrumentalities and corporations. |

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|                                                                                           | PIMCO VIT Total Return Portfolio            | Intermediate-Term Bonds | Maximum total return, consistent with preservation of capital and prudent investment management          | At least 65% of total assets in a diversified portfolio of fixed income instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements.                                                                                                                                                                                              |
|------------------------------------------------------------------------------------------------|---------------------------------------------|-------------------------|----------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                           | PIMCO VIT Unconstrained Bond Portfolio      | Specialty               | Maximum long-term return, consistent with preservation of capital and prudent investment management      | At least 80% of its assets in a diversified portfolio of fixed income instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements.                                                                                                                                                                                                |
| PYRAMIS                                                                                        |
| Managed by Allianz Investment Management LLC/Pyramis Global Advisors LLC                       | AZL Pyramis Core Bond Fund                  | Intermediate-Term Bond  | High level of current income                                                                             | Invests at least 80% of its net assets in debt securities of all types and in instruments related to such securities, such as repurchase agreements on such securities, and uses the Barclays Capital U.S. Aggregate Bond Index as a guide in structuring the Fund.                                                                                                                                                 |
| SCHRODER                                                                                       |
| Managed by Allianz Investment Management LLC/Schroder Investment Management North America Inc. | AZL Schroder Emerging Markets Equity Fund   | Specialty               | Capital appreciation                                                                                     | Invests at least 80% of its net assets in equity securities of companies that the subadviser believes to be “emerging market” issuers. May invest remainder of assets in securities of issuers located anywhere in the world.                                                                                                                                                                           |
| T. ROWE PRICE                                                                                  |
| Managed by Allianz Investment Management LLC/T. Rowe Price Associates, Inc.                    | AZL T. Rowe Price Capital Appreciation Fund | Specialty               | Long-term capital appreciation with preservation of capital as an important intermediate-term objective. | Invests at least 50% of its total assets in the common stocks of established U.S. companies that the subadviser believes has above-average potential  for capital growth. The remaining assets are generally invested in convertible securities, corporate and government debt, bank loans, and foreign securities. The Investment Option may invest up to 25% of its total assets in foreign securities. |

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| · | The minimum transfer is $1,000, or the entire Investment Option amount if less. We waive this requirement under the dollar cost averaging and flexible rebalancing programs, and under the allocation and transfer restrictions for Income Protector, Income Focus and Investment Protector. |
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| · | Your request for a transfer must clearly state the Investment Options involved and how much to transfer. |
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| · | If you select Income Protector or Investment Protector, or have Income Focus, your transfer instructions must comply with the “Investment Option Allocation Restrictions and Quarterly Rebalancing” in section 11.a, Income Protector; section 11.b, Investment Protector or Appendix I, Income Focus. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Your right to make transfers is subject to the Excessive Trading and Market Timing policy discussed later in this section. |
|--------|----------------------------------------------------------------------------------------------------------------------------|

| · | Contract Value transfers between Investment Options do not change your future Purchase Payment allocation instructions or how we rebalance your Contract Value quarterly if you select Income Protector or Investment Protector, or have Income Focus. To change this quarterly rebalancing when you make a transfer, you must also change your future allocation instructions. |
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| · | Dilution of the interests of long-term investors in an Investment Option, if market timers or others transfer into an Investment Option at prices that are below their true value, or transfer out at prices above their true value. |
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| · | An adverse effect on portfolio management, such as causing an Investment Option to maintain a higher level of cash or causing an Investment Option to liquidate investments prematurely. |
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| · | Increased brokerage and administrative expenses. |
|--------|--------------------------------------------------|

| · | Limit transfer frequency (for example, prohibit more than one transfer a week, or more than two a month, etc.). |
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| · | Restrict the transfer method (for example, requiring all transfers be sent by first-class U.S. mail and rescinding electronic transfer privileges). |
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| · | Require a minimum time period between each transfer into or out of the same Investment Option. Our current policy, which is subject to change without notice, prohibits “round trips” within 14 calendar days. We do not include transfers into and/or out of the AZL Money Market Fund when available in your Contract. Round trips are transfers into and back out of the same Investment Option, or transfers out of and back into the same Investment Option. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Refuse transfer requests made on your behalf by an asset allocation and/or market timing service. |
|--------|---------------------------------------------------------------------------------------------------|

| · | Limit the dollar amount of any single Purchase Payment or transfer request to an Investment Option. |
|--------|-----------------------------------------------------------------------------------------------------|

| · | Prohibit transfers into specific Investment Options. |
|--------|------------------------------------------------------|

| · | Impose other limitations or restrictions to the extent permitted by federal securities laws. |
|--------|----------------------------------------------------------------------------------------------|

| · | Our monitoring will be 100% successful in detecting all potentially disruptive trading activity. |
|--------|--------------------------------------------------------------------------------------------------|

| · | Revoking electronic transfer privileges will successfully deter all potentially disruptive trading. |
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| · | You can provide voting instructions based on the dollar value of the Investment Option’s shares in your Contract’s subaccount. We calculate this value based on the number and value of accumulation/annuity units for your Contract on the record date. We count fractional units. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | You receive proxy materials and a voting instruction form. |
|--------|------------------------------------------------------------|

| 6. | OUR GENERAL ACCOUNT |
|----|---------------------|

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| 7. | EXPENSES |
|----|----------|

|                                                                    | Mortality and Expense Risk (M&E) Charge(as a percentage of eachInvestment Options’ net asset value) |
|-------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------|
| Base Contract without optional benefits(1)                              | 1.40%                                                                                                         |
| Base Contract with Quarterly Value Death Benefit(2)                     | 1.70%                                                                                                         |
| Base Contract with the Bonus Option(1)                                  | 1.70%                                                                                                         |
| Base Contract with the Bonus Option andQuarterly Value Death Benefit(2) | 2.00%                                                                                                         |

| (1) | Upon the death of the Owner, we continue to assess a M&E charge of either 1.70% for a Base Contract with the Bonus Option, or 1.40% for all other Contracts when paying the death benefit under Option B, or with optional payments under Option C, as noted in section 10, Death Benefit – Death Benefit Payment Options During the Accumulation Phase. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | For Contracts issued from April 30, 2012 through April 26, 2013, if you remove an Additional Required Benefit from your Contract without simultaneously replacing it, we no longer assess the additional 0.30% M&E charge for the Quarterly Value Death Benefit after the Additional Required Benefit’s rider termination date. In this instance you will not receive any future lock ins of quarterly investment gains to your death benefit but you keep any prior lock ins. |
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| · | If you withdraw the total Contract Value, we deduct the final rider charge (the total of all daily rider charges we calculated for the current Contract quarter) before processing the withdrawal. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If your Contract ends due to death, we deduct the final rider charge before calculating the death benefit. |
|--------|------------------------------------------------------------------------------------------------------------|

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|                                                                                                                                                     | Rider Charge |
|----------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|
| Maximum                                                                                                                                                  | Minimum      | Current |
| Income Protector(1)Single Lifetime Plus Payments (as a percentage of the Benefit Base)Joint Lifetime Plus Payments (as a percentage of the Benefit Base) | 2.50%2.75%   | 0.50%0.50% | 1.20%1.20% |
| Investment Protector (as a percentage of the Target Value)                                                                                               | 2.50%        | 0.35% | 1.30% |

| (1) | If you select the Charge Lock Option rider, the Income Protector’s rider charge is fixed at the rate in effect on the Charge Lock Date. You will continue to pay the rider charge after the Charge Lock Date as long as your selected benefit is in effect and your Contract Value is positive. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Selecting the Charge Lock Option rider may reduceyour Income Protector benefits significantly, and you may be better off either accepting a rider charge increase, or removing Income Protector from your Contract. If you select the Charge Lock Option rider your Contract Value will continue to fluctuate with Investment Option performance after the Charge Lock Date. The Charge Lock Option rider is not available in Illinois and may not be available through all broker dealers. You should consult with your Financial Professional before selecting the Charge Lock Option rider. |
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| · | For Charge Lock Option riders issued in all states except Pennsylvania: Once you select the Charge Lock Option rider, you cannot later remove it from your Contract. |
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| · | For Charge Lock Option riders issued in Pennsylvania: If you change your mind about having the Charge Lock Option rider, you can return the rider within ten days after receiving it and we treat it as if it had never been issued. If you return the Charge Lock Option rider this means we will increase your rider charge, but we will not reduce your guaranteed values or payments. |
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| · | During the Accumulation Phase for all your Vision Contracts if the total Contract Value (or Bonus Value, if applicable) is at least $100,000 at the time we are to deduct the charge. We determine the total Contract Value (or Bonus Value, if applicable) for all individually owned Vision Contracts by using the Owner’s social security number, and for non-individually owned Vision Contracts we use the Annuitant’s social security number. |
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| · | During the Annuity Phase if the Contract Value on the Income Date is at least $100,000. |
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| · | When paying death benefits under death benefit payment options A, B, or C. |
|--------|----------------------------------------------------------------------------|

| 1. | First we withdraw from Purchase Payments that are beyond your Contract’s withdrawal charge period (for example, on a Base Contract, Purchase Payments we have had for seven or more complete years). This withdrawal is not subject to a withdrawal charge and it reduces the Withdrawal Charge Basis. |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | Then, if this is a partial withdrawal, we withdraw from the free withdrawal privilege (see section 8, Access to Your Money – Free Withdrawal Privilege). This withdrawal is not subject to a withdrawal charge and it does not reduce the Withdrawal Charge Basis. |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | Next, on a FIFO basis, we withdraw from Purchase Payments within your Contract’s withdrawal charge period and assess a withdrawal charge. Withdrawing payments on a FIFO basis may help reduce the total withdrawal charge because the charge declines over time. We determine your total withdrawal charge by multiplying each payment by its applicable withdrawal charge percentage and then totaling the charges. This withdrawal reduces the Withdrawal Charge Basis. |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4. | Finally we withdraw any Contract earnings. Bonuses (if applicable) and earnings on them are considered Contract earnings for withdrawal charge purposes. This withdrawal is not subject to a withdrawal charge and it does not reduce the Withdrawal Charge Basis. |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| Number of Complete Years Since Purchase Payment | Withdrawal Charge Amount(1) |
|-------------------------------------------------|-----------------------------|
| Base Contract(2)                                | Bonus Option(3)             |   |
| 0                                               | 8.5%                        | 8.5% |   |
| 1                                               | 8.5%                        | 8.5% |   |
| 2                                               | 7.5%                        | 8.5% |   |
| 3                                               | 6.5%                        | 8% |   |
| 4                                               | 5%                          | 7% |   |
| 5                                               | 4%                          | 6% |   |
| 6                                               | 3%                          | 5% |   |
| 7                                               | 0%                          | 4% |   |
| 8                                               | 0%                          | 3% |   |
| 9 years or more                                 | 0%                          | 0% |   |

| (1) | For Contracts issued in Florida from January 1, 2011 through April 26, 2013, the total withdrawal charge on a partial or full withdrawal cannot be greater than 10% of the Contract Value withdrawn. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | For Contracts issued in Mississippi, the withdrawal charge is 8.5%, 7.5%, 6.5%, 5.5%, 5%, 4%, 3%, and 0% for the time periods referenced. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------|

| (3) | For Contracts issued in Connecticut on or prior to April 29, 2011, the withdrawal charge is 8.5%, 8.5%, 8%, 7%, 6%, 5%, 4%, 3%, 2% and 0% for the time periods referenced. For Contracts issued in Mississippi, the withdrawal charge is 8%, 8%, 8%, 8%, 7%, 6%, 5%, 3.5%, 1.5% and 0% for the time periods referenced. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1) | Purchase Payments beyond the withdrawal charge period. All payments are still within the withdrawal charge period, so this does not apply. |
|----|--------------------------------------------------------------------------------------------------------------------------------------------|

| 2) | Amounts available under the free withdrawal privilege. You did not take any other withdrawals this year, so you can withdraw up to 12% of your total payments (or $12,000) without incurring a withdrawal charge. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3) | Purchase Payments on a FIFO basis. The total amount we withdraw from the first Purchase Payment is $30,000, which is subject to a 7.5% withdrawal charge, and you receive $27,750. We determine this amount as follows: |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (amount withdrawn) x (1 – withdrawal charge) = the amount you receive, or: |
|--------|----------------------------------------------------------------------------------|

|   | $30,000 x 0.925 = $27,750. |
|--------|----------------------------|

|   | Next we withdraw from the second Purchase Payment. So far, you received $39,750 ($12,000 under the free withdrawal privilege and $27,750 from the first Purchase Payment), so we withdraw $12,250 from the second Purchase Payment to equal the $52,000 you requested. The second Purchase Payment is subject to an 8.5% withdrawal charge. We calculate the total amount withdrawn and its withdrawal charge as follows: |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (the amount you receive) ÷ (1 – withdrawal charge) = amount withdrawn, or: |
|--------|---------------------------------------------------------------------------------------|

|   | $12,250 ÷ 0.915 = $13,388 |
|--------|--------------------------------|

| 4) | Contract earnings. We already withdrew your requested amount, so this does not apply. |
|----|---------------------------------------------------------------------------------------|

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| · | Because we do not reduce the Withdrawal Charge Basis for penalty-free withdrawals or for Contract charges other than the withdrawal charge, we may assess a withdrawal charge on more than the amount you are withdrawing upon a full withdrawal of the total Contract Value. Also, upon full withdrawal, if the Contract Value has declined due to poor performance, the withdrawal charge may be greater than the total Contract Value and you will not receive any money. |
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| · | Withdrawals may have tax consequences and, if taken before age 59½, may be subject to a 10% additional federal tax. For tax purposes in most instances, withdrawals from Non-Qualified Contracts are considered to come from earnings first, not Purchase Payments. |
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| · | Partial Annuitizations reduce each Purchase Payment and the Withdrawal Charge Basis proportionately by the percentage of Contract Value you annuitize. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts issued in Washington: Penalty-free withdrawals reduce the Withdrawal Charge Basis. It is equal to total Purchase Payments less any withdrawals (including any withdrawal charges). |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts issued in Florida from January 1, 2011 through April 26, 2013: The withdrawal charge cannot exceed 10% of the Contract Value withdrawn. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 8. | ACCESS TO YOUR MONEY |
|----|----------------------|

| · | by withdrawing your Contract Value; |
|--------|-------------------------------------|

| · | by withdrawing the Target Value on the last Business Day before each Target Value Date (if you select Investment Protector); |
|--------|------------------------------------------------------------------------------------------------------------------------------|

| · | by taking Lifetime Plus Payments (if you select Income Protector); |
|--------|--------------------------------------------------------------------|

| · | by taking Income Focus Payments (if you have Income Focus); |
|--------|-------------------------------------------------------------|

| · | by taking required minimum distributions (Qualified Contracts only) as discussed in “Minimum Distribution Program and Required Minimum Distribution (RMD) Payments” later in this section; |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | by taking Annuity Payments; or |
|--------|--------------------------------|

| · | when we pay a death benefit. |
|--------|------------------------------|

| * | Does not apply to Lifetime Plus Payments, Income Focus Payments, systematic withdrawals, or required minimum distributions. |
|---|-----------------------------------------------------------------------------------------------------------------------------|

| ** | Does not apply to Lifetime Plus Payments or Income Focus Payments. |
|----|--------------------------------------------------------------------|

| · | total Contract Value determined at the end of the day, |
|--------|--------------------------------------------------------|

| · | less any final rider charge if you selected Income Protector, Income Focus or Investment Protector, |
|--------|-----------------------------------------------------------------------------------------------------|

| · | less any withdrawal charge, and |
|--------|---------------------------------|

| · | less any contract maintenance charge. |
|--------|---------------------------------------|

----

|   | NOTE: |
|--------|-------|

| · | Ordinary income taxes and tax penalties may apply to any withdrawal you take. |
|--------|-------------------------------------------------------------------------------|

| · | We may be required to provide information about you or your Contract to government regulators. We may also be required to stop Contract disbursements and thereby refuse any transfer requests, and refuse to pay any withdrawals, surrenders, or death benefits until we receive instructions from the appropriate regulator. If, pursuant to SEC rules, the AZL Money Market Fund suspends payment of redemption proceeds in connection with a fund liquidation, we will delay payment of any transfer, partial withdrawal, surrender, or death benefit from the AZL Money Market Fund subaccount until the fund is liquidated. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts with Investment Protector:The Target Value is only guaranteed to be available on the last Business Day before each Target Value Date. Beginning on the next Business Day, your Contract Value fluctuates based on your selected Investment Options’ performance, and this is the value available to you upon withdrawal. We notify you in writing at least 30 days in advance of your initial Target Value Date to allow you to decide if you want to take a withdrawal and/or continue your Contract until the next Target Value Date. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | You purchased a Base Contract with the Bonus Option, made an initial Purchase Payment of $100,000 and received a $6,000 bonus. |
|--------|--------------------------------------------------------------------------------------------------------------------------------|

| · | You request a $50,000 partial withdrawal (not including the withdrawal charge) during the first Contract Year when the withdrawal charge is 8.5%. On the day of (but before) the partial withdrawal, your Contract Value is $110,600, the Bonus Value is $116,600, and your free withdrawal privilege is $12,000. Your bonus is not vested. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Calculating the total withdrawal charge:                                                                       |              |
|----------------------------------------------------------------------------------------------------------------|-------------------|
| Amount requested that is subject to a withdrawal charge (amount requested minus the free withdrawal privilege) |              |
| = $50,000 – $12,000 =                                                                                    | $38,000.00        |
| Divided by (1 minus the withdrawal charge percentage) = 1 – 0.085 =                                      | ¸ 0.915      |
| Total amount subject to a withdrawal charge                                                                    | $41,530.05        |
| Total withdrawal charge (amount withdrawn minus the amount requested) = $41,530.05 – $38,000.00 =        | $ 3,530.05        |
|                                                                                                           |              |
| Reducing the Contract Value:                                                                                   |              |
| Contract Value on the day of (but before) the partial withdrawal                                               | $110,600.00       |
| Minus the total amount withdrawn (amount requested plus the total withdrawal charge)                           |              |
| = $50,000.00 + $3,530.05 =                                                                                     | – 53,530.05 |
| Contract Value after the partial withdrawal                                                                    | $ 57,069.95       |
|                                                                                                           |              |
| Reducing the unvested bonus:                                                                                   |              |
| Amount of the unvested bonus                                                                                   | $ 6,000.00        |
| Multiplied by the result of the total amount withdrawn, minus the free withdrawal privilege,                   |              |
| divided by the Contract Value on the day of (but before) the partial withdrawal                                |              |
| = ($53,530.05 – $12,000) / $110,600 =                                                                    | x 0.375           |
| Reduction in the unvested bonus due to the partial withdrawal (0.375 x $6,000)                                 | $ 2,250           |
| Unvested bonus after the partial withdrawal = $6,000 – $2,250 =                                          | $ 3,750           |

----

|   | NOTE: |
|--------|-------|

| · | Ordinary income taxes and tax penalties may apply to systematic withdrawals. |
|--------|------------------------------------------------------------------------------|

| · | The systematic withdrawal program is not available while you are receiving required minimum distribution payments, Lifetime Plus Payments or Income Focus Payments. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | NOTE: The minimum distribution program is not available while you are receiving systematic withdrawals. |
|--------|---------------------------------------------------------------------------------------------------------|

----

|   | NOTE FOR CONTRACTS ISSUED IN: |
|--------|-------------------------------|

| · | Massachusetts – The waiver of withdrawal charge benefit is not available. |
|--------|---------------------------------------------------------------------------------|

| · | New Hampshire – The definition of nursing home is an institution operated in accordance with state law. |
|--------|---------------------------------------------------------------------------------------------------------------|

| · | Pennsylvania – The waiver is not available if on the Issue Date, an Owner was confined to a nursing home or was already diagnosed with a terminal illness. Also, the nursing home confinement requirement is a total of 90 days within a six month period. These 90 days do not need to be consecutive. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | the New York Stock Exchange is closed (other than customary weekend and holiday closings); |
|--------|--------------------------------------------------------------------------------------------|

| · | trading on the New York Stock Exchange is restricted; |
|--------|-------------------------------------------------------|

| · | an emergency (as determined by the SEC) exists as a result of which disposal of the Investment Option shares is not reasonably practicable or we cannot reasonably value the Investment Option shares; or |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | during any other period when the SEC, by order, so permits for the protection of Owners. |
|--------|------------------------------------------------------------------------------------------|

| * | Including Lifetime Plus Payments, Income Focus Payments, Excess Withdrawals and Cumulative Withdrawals. |
|---|---------------------------------------------------------------------------------------------------------|

| 9. | THE ANNUITY PHASE |
|----|-------------------|

| ·   | The Contract Value on the Income Date. |
|--------------------|----------------------------------------|

| · | Whether you request fixed payments, variable payments, or a combination of both fixed and variable Annuity Payments. |
|--------|----------------------------------------------------------------------------------------------------------------------|

| · | The age of the Annuitant and any joint Annuitant on the Income Date. |
|--------|----------------------------------------------------------------------|

| · | The gender of the Annuitant and any joint Annuitant where permitted. |
|--------|----------------------------------------------------------------------|

| · | The Annuity Option you select. |
|--------|--------------------------------|

| · | Your Contract’s mortality table. |
|--------|----------------------------------------|

| · | a variable payout, |
|--------|--------------------|

| · | a fixed payout, or |
|--------|--------------------|

| · | a combination of both. |
|--------|------------------------|

----

| * | The maximum available AIR in Florida is 4%, and in Oregon it is 5%. |
|---|---------------------------------------------------------------------|

----

| * | In Florida, the earliest acceptable Income Date is one year after the Issue Date. |
|---|-----------------------------------------------------------------------------------|

|   | NOTE: |
|--------|-------|

| · | If on the maximum permitted Income Date your Contract Value is greater than zero, you must take a Full Annuitization. We notify you of your available options in writing 60 days in advance. If you have not selected an Annuity Option, we make variable payments under Annuity Option 2 with five years of guaranteed monthly payments. Upon Full Annuitization you no longer have Contract Value or a death benefit, and you cannot receive any other periodic withdrawals or payments other than Annuity Payments. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts with Income Protector or Income Focus: If on the maximum permitted Income Date we require you to take a Full Annuitization and you are receiving Lifetime Plus Payments or Income Focus Payments, and your Contract Value is greater than zero, we make the following guarantee if you take fixed Annuity Payments under Annuity Option 1 or 3. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | For single Lifetime Plus Payments or Income Focus Payments, if you choose Annuity Option 1 (Life Annuity) where the sole Annuitant is the sole Covered Person, then your fixed Annuity Payments equals the greater of: |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | annual fixed Annuity Payments under Annuity Option 1 based on the Contract Value; or |
|--------|--------------------------------------------------------------------------------------|

| · | the current annual maximum Lifetime Plus Payment or Income Focus Payment available to you. |
|--------|--------------------------------------------------------------------------------------------|

|   | For joint Lifetime Plus Payments or Income Focus Payments, if you choose Annuity Option 3 (Joint and Last Survivor Annuity) with Annuity Payments to continue at a level of 100% to the surviving joint Annuitant, and both joint Annuitants are the joint Covered Persons, then your fixed Annuity Payments equals the greater of: |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | annual fixed Annuity Payments under Annuity Option 3 based on the Contract Value; or |
|--------|--------------------------------------------------------------------------------------|

| · | the current annual maximum Lifetime Plus Payment or Income Focus Payment available to you. |
|--------|--------------------------------------------------------------------------------------------|

|   | However, if you select any other Annuity Option, or if you choose to take variable Annuity Payments, this guarantee does not apply. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------|

----

| 10. | DEATH BENEFIT |
|-----|---------------|

| · | The Business Day before the Income Date that you take a Full Annuitization. |
|--------|-----------------------------------------------------------------------------|

| · | The Business Day that the Traditional Death Benefit Value and Contract Value are both zero. |
|--------|---------------------------------------------------------------------------------------------|

| · | The Business Day the Contract ends. |
|--------|-------------------------------------|

|   | NOTE: |
|--------|-------|

| · | For Contracts with the Bonus Option: Bonus amounts are included in the portion of the death benefit based on Contract Value, but only as the bonus vests. We do not include the bonus in the portion of the death benefit based on Purchase Payments. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts with Income Protector, Income Focus or Investment Protector: We restrict additional Purchase Payments, which limits the Traditional Death Benefit Value. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | he or she may exercise all of the Owner’s rights, including naming a new Beneficiary or Beneficiaries; and |
|--------|------------------------------------------------------------------------------------------------------------------|

| · | he or she is subject to any remaining withdrawal charge. |
|--------|----------------------------------------------------------|

----

| 11. | SELECTION OF OPTIONAL BENEFITS |
|-----|--------------------------------|

| · | Income Protector. This benefit provides guaranteed lifetime income (called Lifetime Plus Payments) that can begin from age 60 to age 90. We base payments on the Benefit Base. Income Protector allows access to both Contract Value and a death benefit for a period of time after payments begin as described in section 11.a, Income Protector. Appendix J contains information specific to older versions of this benefit that were issued from July 22, 2009 to April 24, 2015. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Investment Protector. This benefit provides a level of protection for your principal and any annual investment gains (Target Value) on a future date if you hold the Contract for the required period, as described in section 11.b, Investment Protector. Appendix J contains information specific to older versions of this benefit that were issued from July 22, 2009 to April 24, 2015. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Quarterly Value Death Benefit. This benefit locks in any quarterly investment gains to provide an increased death benefit. For Contracts issued from April 30, 2012 through April 26, 2013 this benefit is described in section 11.c, Quarterly Value Death Benefit. For Contracts issued from May 1, 2007 through April 27, 2012 this benefit is described in Appendix F. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Bonus Option. This benefit provides a 6% bonus on Purchase Payments received before age 81 (subject to a three-year vesting schedule) and has a higher and longer withdrawal charge schedule. The Bonus Option was available from May 1, 2007 through April 26, 2013 and is described in section 11.d, Bonus Option. Bonus annuity contracts generally have higher charges than contracts without a bonus and therefore, the charges may be greater than the bonus. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Lifetime Benefits. These benefits are similar to Income Protector. They also provide Lifetime Plus Payments based on the Benefit Base, but the Benefit Base is calculated differently under each benefit as described in Appendix D. The Lifetime Plus Benefit was available from May 1, 2007 to January 23, 2009 and the Lifetime Plus II Benefit was available from November 12, 2007 to March 31, 2009. Both of these benefits allow payments to begin from age 50 to age 90. The Lifetime Plus 10 Benefit was available from June 17, 2008 to March 31, 2009 and payments can begin from age 65 to 90. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Target Date Benefits. These benefits are similar to Investment Protector. They also provide a Target Value that is available on a future date if you hold the Contract for the required period, but the Target Value is calculated differently as described in Appendix E. The Target Date Retirement Benefit was available from March 17, 2008 to January 23, 2009, and the Target Date 10 Benefit was available from January 26, 2009 to March 31, 2009. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Short Withdrawal Charge Option. This benefit shortens the Base Contract’s withdrawal charge period from seven to four years as described in Appendix G. It was only available at issue from May 1, 2007 through July 23, 2012. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | No Withdrawal Charge Option. This benefit eliminates the Base Contract’s withdrawal charge as described in Appendix H. It was only available at issue from March 17, 2008 through March 31, 2009, and then again from July 22, 2009 through July 23, 2012. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Income Focus. This benefit provides guaranteed lifetime income called Income Focus Payments (similar to Income Protector’s Lifetime Plus Payments) that can begin from age 60 to age 90. We base payments on a percentage of each Income Value. Income Value Percentages can potentially increase by 1% each year if your Contract Value increases (Performance Increases). Income Focus allows access to both Contract Value and a death benefit for a period of time as described in Appendix I. Income Focus was available from April 30, 2012 to April 24, 2015. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | If you selected the No Withdrawal Charge Option, you can only remove the Additional Required Benefit if we increase the rider charge (Income Protector, Income Focus or Investment Protector only), or if you can simultaneously replace your selected Additional Required Benefit as discussed next in this section. Removing an Additional Required Benefit because we increase the rider charge does not end the No Withdrawal Charge Option. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you selected the Quarterly Value Death Benefit and you remove an Additional Required Benefit without simultaneously replacing it with another Additional Required Benefit, you keep any prior lock ins of quarterly investment gains to your death benefit, but you will not receive any future lock ins and we no longer assess the additional 0.30% M&E charge for the Quarterly Value Death Benefit. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Replace Income Focus with Investment Protector. |
|--------|-------------------------------------------------|

| · | Replace Income Protector with Investment Protector (if your Contract was issued on or after April 1, 2009). |
|--------|-------------------------------------------------------------------------------------------------------------|

| · | Replace Investment Protector with Income Protector (if your Contract was issued on or after April 1, 2009). |
|--------|-------------------------------------------------------------------------------------------------------------|

----

| Primary Differences Between Income Protector and Investment Protector |
|-----------------------------------------------------------------------|
|                                                                  | Income Protector | Investment Protector |
| What are the benefit features?                                        | Lifetime income payments (Lifetime Plus Payments) with continued access to both Contract Value and a death benefit. | A future Contract Value guarantee (the Target Value). |
| On whom do we base the benefit?                                       | The Covered Person(s), who must either be Owners, Annuitant or Beneficiaries. | The Owner (or Annuitant if Owner is a non-individual). |
| What are the current charges?                                         | The current rider charge is 1.20% of the Benefit Base for single and joint Lifetime Plus Payments. | The current rider charge is 1.30% of the Target Value. |
| Can the rider charge increase?                                        | Yes, on each Quarterly Anniversary up to 2.50% for single or 2.75% for joint, or we can decrease it to 0.50%. However, we cannot increase or decrease it more than 0.50% in any twelve-month period. | Yes, on each Quarterly Anniversary up to 2.50% or we can decrease it to 0.35%. However, we cannot increase or decrease it more than 0.35% in any twelve-month period. |
| Do we restrict additional Purchase Payments?                          | For Contracts issued before August 17, 2009 in all states except Connecticut, Florida, and New Jersey, we no longer accept additional Purchase Payments. For Contracts issued on or after August 17, 2009, and Contracts issued in Connecticut, Florida, and New Jersey, we do accept additional Purchase Payments before the Benefit Date. We also annually limit additional payments to all payments received in the first Contract quarter, without our prior approval. | For Contracts issued before August 17, 2009 in all states except Connecticut, Florida, and New Jersey, we no longer accept additional Purchase Payments. For Contracts issued on or after August 17, 2009, and Contracts issued in Connecticut, Florida, and New Jersey, we do accept additional Purchase Payments before the third rider anniversary. We also annually limit additional payments to all payments received in the first Contract quarter, without our prior approval. |
| Do we restrict allocations and transfers?                             | Yes, we restrict the number of Investment Options available to you, but not the amount you can allocate to any one Investment Option. | Yes, and the restrictions change over time and become more conservative. |
| Is there a waiting period to access the benefit?                      | No, if the younger Covered Person meets the minimum exercise age of 60 when you select the benefit. | The earliest available initial Target Value Date is ten years after you select the benefit (the tenth rider anniversary). |
| Is there a mandatory beginning date?                                  | No, but if you do not begin Lifetime Plus Payments during the eligibility period, Income Protector ends and you will not receive any payments. | Yes. The initial Target Value Date is when the Contract Value guarantee first takes effect. Subsequent dates occur every five years. |
| What are the guaranteed values?                                       | The guaranteed value is Lifetime Plus Payments, which are a percentage of the Benefit Base. The Benefit Base is based on the greater of the highest quarterly Contract Value, or quarterly simple interest applied to Purchase Payments adjusted for withdrawals for a guaranteed number of years. Each quarter we reset the simple interest to equal the Contract Value, if greater. | The Target Value is the greater of a percentage of the highest Contract Anniversary value, or total Purchase Payments adjusted for withdrawals. It is guaranteed to be available on the last Business Day before each Target Value Date. |

|   | 11.a INCOME PROTECTOR |
|--------|-----------------------|

----

| · | If you do not begin Lifetime Plus Payments during the eligibility period, the benefit ends and you will have paid for the benefit without receiving any of its advantages. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Income Protector provides no payment until the younger Covered Person reaches the minimum exercise age. |
|--------|---------------------------------------------------------------------------------------------------------|

| · | This benefit is subject to a rider charge, as described in the Fee Tables and section 7, Expenses – Rider Charge. |
|--------|-------------------------------------------------------------------------------------------------------------------------|

| · | This benefit does not create Contract Value or guarantee Investment Option performance. |
|--------|-----------------------------------------------------------------------------------------|

| · | If you have the No Withdrawal Charge Option, you can only remove Income Protector as discussed under “Removing Income Protector” below. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select this benefit, we restrict your selection of Investment Options and rebalance your Contract Value quarterly. We also restrict additional Purchase Payments and Contract Value allocations and transfers. These restrictions support the benefit’s guarantees, and to the extent they limit your investment flexibility, they may limit the upside potential to your Contract Value and Benefit Base. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select this benefit, any active flexible rebalancing program ends. |
|--------|---------------------------------------------------------------------------|

| · | If you take less than the annual maximum Lifetime Plus Payment, you will not receive an annual payment increase. |
|--------|------------------------------------------------------------------------------------------------------------------|

| · | You cannot have Income Protector and Income Focus or Investment Protector at the same time. You can only have one of these benefits. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------|

| · | You can only select Income Protector one time. You cannot select Income Protector, remove it from your Contract and then reselect it. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------|

| · | Income Protector is not available to Contracts issued before April 1, 2009, or if your Contract ever included Income Focus. If you have questions about whether Income Protector is available to you, please contact our Service Center at (800) 624-0197. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For an Income Protector rider issued in Pennsylvania: If you change your mind about having Income Protector, you can return the rider within ten days after receiving it and we treat it as if it had never been issued. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | Contract Value as of the end of the last Business Day before the Benefit Date, |
|--------|--------------------------------------------------------------------------------|

| · | highest Contract Value from any prior Quarterly Anniversary adjusted for subsequent withdrawals (Quarterly Anniversary Value), or |
|--------|-----------------------------------------------------------------------------------------------------------------------------------|

| · | quarterly simple interest (Annual Increase Percentage) applied to Purchase Payments adjusted for withdrawals for a guaranteed number of years (Guarantee Years). Each quarter we reset the simple interest value to equal the Contract Value, if greater (Annual Increase). |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | If we increase your annual maximum Lifetime Plus Payment because the Contract Value increased, we increase your Benefit Base by the same percentage that we increased the payment. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If we increase your annual maximum Lifetime Plus Payment because the current Payment Percentage multiplied by the current Contract Value results in a higher payment, we change your Benefit Base to equal this Contract Value. This change may increase or decrease your Benefit Base. For example, suppose a 65-year old has an annual maximum Lifetime Plus Payment of $4,000 based on the Benefit Base of $100,000 and a 4% Payment Percentage ($4,000 = 4% x $100,000). On the next Benefit Anniversary, assume the Payment Percentage increases to 4.5% based on the Covered Person’s age. At 4.5%, the annual maximum Lifetime Plus Payment would increase if the current Contract Value was at least $88,912 ($88,912 x 4.5% = $4,001). Assuming the Contract Value is $88,912, the Benefit Base would then reduce from $100,000 to $88,912 and the annual maximum Lifetime Plus Payment would increase to $4,001. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We increase it by the amount of any additional Purchase Payments. |
|--------|-------------------------------------------------------------------|

| · | We reduce it by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | We increase them by the amount of any additional Purchase Payments. |
|--------|---------------------------------------------------------------------|

| · | We reduce them by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| a + (b x (c – d)) |
|-------------------------|

| Where: |
|--------|

| a = | The Annual Increase at the end of the prior Business Day; |
|-----|-----------------------------------------------------------|

| b = | The Annual Increase Percentage we set on the Rider Effective Date (which is currently stated in the Income Protector Rate Sheet Prospectus Supplement) divided by four; |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| c = | The Increase Base at the end of the prior Business Day; and |
|-----|-------------------------------------------------------------|

| d = | Purchase Payments* received on or after the prior Quarterly Anniversary. If you selected this benefit at issue, we exclude from “d” any Purchase Payments received before the first Quarterly Anniversary. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| * | We reduce each Purchase Payment by the percentage of any Contract Value withdrawn, including any withdrawal charge, for each withdrawal taken since we received that payment. |
|---|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | You cannot take new Partial Annuitizations. |
|--------|---------------------------------------------|

| · | You cannot make additional Purchase Payments, therefore the Traditional Death Benefit Value (if applicable) no longer increases. |
|--------|----------------------------------------------------------------------------------------------------------------------------------|

| · | Any active automatic investment plan and/or systematic withdrawal or dollar cost averaging programs end. |
|--------|----------------------------------------------------------------------------------------------------------|

| · | The free withdrawal privilege is not available. |
|--------|-------------------------------------------------|

| · | You can only remove Income Protector while the Contract Value is positive. If you remove this benefit, the restrictions listed above do not apply on or after the rider termination date. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | In most states, you can only change the Owner if you selected joint Lifetime Plus Payments and: |
|--------|-------------------------------------------------------------------------------------------------|

|   | – | an Owner dies and the spouse continues the Contract, or |
|--------|---------|---------------------------------------------------------|

|   | – | you remove a joint Covered Person who is also a Joint Owner from the Contract. In this case, the remaining Covered Person must become the new sole Owner. In Florida, Ohio, Oregon, Texas, or Wisconsin we cannot restrict assignments or changes of ownership and if you assign or change ownership and the Covered Persons no longer have the required relationship as stated in section 2, Income Protector ends. |
|--------|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The rider charge continues until the benefit ends, or the Business Day the Contract Value reduces to zero. |
|--------|------------------------------------------------------------------------------------------------------------|

| · | If you have the Quarterly Value Death Benefit, its additional M&E charge continues as indicated in section 7, Expenses – Mortality and Expense Risk (M&E) Charge. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you take a Full Annuitization, Lifetime Plus Payments stop and Income Protector ends. |
|--------|------------------------------------------------------------------------------------------|

| · | The Contract Value continues to fluctuate as a result of Investment Option performance. It decreases on a dollar for dollar basis with each Lifetime Plus Payment, Excess Withdrawal, and any Contract charges we deduct. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Lifetime Plus Payments do not reduce your Benefit Base, but Excess Withdrawals reduce your Benefit Base and annual maximum Lifetime Plus Payment by the percentage of Contract Value withdrawn (including any withdrawal charge). If you take an Excess Withdrawal of your total Contract Value, Lifetime PlusPayments stop and Income Protector ends. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Each Lifetime Plus Payment and any Excess Withdrawal reduces the Traditional Death Benefit Value (or the Quarterly Anniversary Value under the Quarterly Value Death Benefit, if applicable) by the percentage of Contract Value withdrawn (including any withdrawal charge). |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Any part of your annual maximum Lifetime Plus Payment that you do not withdraw in a given Benefit Year remains in your Contract for the remainder of that year, but is not added to the annual maximum payment available next year. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We may increase your annual maximum Lifetime Plus Payment on every Benefit Anniversary before the older Covered Person reaches age 91. If you receive a payment increase, we may also change your Benefit Base. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| · | For Qualified Contracts, if we calculate a required minimum distribution (RMD) based on this Contract, after making all Lifetime Plus Payments for the calendar year, we determine whether this calendar year’s total RMD has been satisfied by these payments and any Excess Withdrawals. If the RMD amount has not been satisfied, we send you this remaining amount as one RMD payment by the end of the calendar year. We consider this payment to be a withdrawal, but it is not an Excess Withdrawal and it is not subject to a withdrawal charge. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For required annuitization, if on the maximum permitted Income Date you are receiving Lifetime Plus Payments, we guarantee to pay you the greater of your maximum Lifetime Plus Payment or fixed Annuity Payments based on the Contract Value under Annuity Option 1 or Annuity Option 3. If you select any other Annuity Option, or if you choose variable Annuity Payments, this guarantee does not apply. For more information, see section 9, The Annuity Phase. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you took your annual maximum Lifetime Plus Payment during the last Benefit Year, we increase next year’s annual maximum payment if the Contract Value determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) is greater than the Contract Value from one year ago (which is the end of the last Business Day before the prior Benefit Anniversary, or the Benefit Date if this is the first Benefit Anniversary). This increase is equal to the percentage of growth between these two Contract Values. For example, if the Contract Value increased by 5%, we also increase your annual maximum Lifetime Plus Payment by 5%. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If the current Payment Percentage multiplied by the Contract Value at the end of the prior Business Day results in a higher annual maximum Lifetime Plus Payment. The Payment Percentages for the Income Protector rider are stated in the Income Protector Rate Sheet Prospectus Supplement. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| If the Charge Lock Date is… | the Last Increase Date is…                                                 |
|-----------------------------------|----------------------------------------------------------------------------------|
| on or before the Benefit Date     | the Charge Lock Date                                                             |
| after the Benefit Date            | the Benefit Anniversary that occurs on or immediately after the Charge Lock Date |

| Quarterly Anniversary Value and Annual Increase                                                                                                                                                                                                                                      | If your Last Increase Date is before the Benefit Date, the Annual Increase will receive a quarter of the Annual Increase Percentage and both your Annual Increase and Quarterly Anniversary Value will lock in any higher Contract Value for the last timeon your Last Increase Date. After the Last Increase Date, these values only increase or decrease if you make an additional Purchase Payment or take a withdrawal. |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| NOTE: If your Benefit Date is the Last Increase Date, we only calculate the Annual Increase and Quarterly Anniversary Value before the Benefit Date, so you will not receive a quarter of the Annual Increase Percentage or lock in higher Contract Value on the Last Increase Date. |
| Benefit Base                                                                                                                                                                                                                                                                         | Can only increase before the Benefit Date if you make an additional Purchase Payment, or on the Benefit Date if your current Contract Value is greater than both the Quarterly Anniversary Value and Annual Increase. It decreases with each withdrawal taken before the Benefit Date and each Excess Withdrawal taken after the Benefit Date.                                                                              |
| Payment Percentages                                                                                                                                                                                                                                                                  | We subtract 1% from all the Payment Percentages. So if your current Payment Percentage based on your age is 4% and your Benefit Base is $100,000, your available annual maximum Lifetime Plus Payment would be $4,000. If you select the Charge Lock Option rider, your new Payment Percentage would be 3% and your available annual maximum Lifetime Plus Payment would be $3,000, which is a loss in payment of $1,000.   |
| Automatic annualLifetime Plus Payment increases                                                                                                                                                                                                                                      | Not available.                                                                                                                                                                                                                                                                                                                                                                                                              |

----

| · | First we calculate your annual maximum Lifetime Plus Payment as we do on each Benefit Anniversary making adjustments for any Excess Withdrawals you took during the prior year and applying any automatic payment increase. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Then we reduce this annual maximum payment by 1% using this formula: |
|--------|----------------------------------------------------------------------|

|   | current Benefit Base  x [(current annual maximum Lifetime Plus Payment ÷ the current Benefit Base) - 1%]. |
|--------|--------------------------------------------------------------------------------------------------------------------------|

| · | If your reduced annual maximum Lifetime Plus Payment is $100 or more, we verify that your annual actual Lifetime Plus Payment meets our minimum requirements (it must be either zero, or $100 or more – you cannot request an actual payment of $50). If it is not, we ask you to change either the payment amount, or the frequency. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Your Contract Value will continue to fluctuate with Investment Option performance after the Charge Lock Date. |
|--------|---------------------------------------------------------------------------------------------------------------|

| · | The Charge Lock Option rider is not available in Illinois and may not be available through all broker dealers. For more information, please contact us or your Financial Professional. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select the Charge Lock Option rider,the reduction to Income Protector’s benefits may be significant, and you may be better off either accepting the rider charge increase, or removing Income Protector from your Contract. You should consult with your Financial Professional before selecting the Charge Lock Option rider. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Charge Lock Option riders issued in all states except Pennsylvania: Once you select the Charge Lock Option rider, you cannot later remove it from your Contract. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Charge Lock Option riders issued in Pennsylvania: If you change your mind about having the Charge Lock Option rider, you can return the rider within ten days after receiving it and we treat it as if it had never been issued. If you return the Charge Lock Option rider this means we will increase your rider charge, but we will not reduce your Annual Increase and/or Lifetime Plus Payments. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select the Charge Lock Option rider and the reduction to your Payment Percentage causes your annual maximum Lifetime Plus Payment to be less than $100, Income Protector ends. If this occurs on the Benefit Date, you will have paid for Income Protector without receiving any of its advantages. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| Income Protector available Investment Options                                                                                                                                                                                                                                                                                                                                                    |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| AZL Money Market FundAZL MVP Balanced Index Strategy FundAZL MVP BlackRock Global Allocation FundAZL MVP Franklin Templeton Founding Strategy Plus FundAZL MVP Fusion Balanced FundAZL MVP Fusion Conservative FundAZL MVP Fusion Moderate FundAZL MVP Growth Index Strategy FundAZL MVP Invesco Equity and Income FundAZL MVP T. Rowe Price Capital Appreciation FundAZL Pyramis Core Bond Fund | Franklin Income VIP FundFranklin U.S. Government Securities VIP FundPIMCO VIT All Asset PortfolioPIMCO VIT Global Advantage Strategy Bond PortfolioPIMCO VIT Global Multi-Asset Managed Volatility PortfolioPIMCO VIT High Yield PortfolioPIMCO VIT Real Return PortfolioPIMCO VIT Total Return PortfolioPIMCO VIT Unconstrained Bond PortfolioTempleton Global Bond VIP Fund |

----

| · | The Business Day we process your request to remove this benefit from your Contract (the rider termination date). |
|--------|------------------------------------------------------------------------------------------------------------------|

| · | For riders issued in all states except California and New Jersey, the Business Day all original Covered Persons no longer have the required relationship (Owner, Annuitant or sole Beneficiary) as stated under “Covered Persons” in section 2. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The older Covered Person’s 91st birthday if it occurs before the Benefit Date. |
|--------|--------------------------------------------------------------------------------------|

| · | The Business Day before the Income Date you take a Full Annuitization. |
|--------|------------------------------------------------------------------------|

| · | The Business Day we process your request for a full withdrawal, other than a full withdrawal caused by a Lifetime Plus Payment. |
|--------|---------------------------------------------------------------------------------------------------------------------------------|

| · | The Benefit Date or a Benefit Anniversary if the annual maximum Lifetime Plus Payment is less than $100. However, this does not apply if you have the Charge Lock Option rider, your Last Increase Date is the Benefit Date or a Benefit Anniversary, and on the Last Increase Date your annual maximum Lifetime Plus Payment becomes less than $100. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we first receive a Valid Claim from any one Beneficiary. However, if a federally recognized spouse is a Covered Person and continues this Contract, Income Protector also continues. In New Jersey, if a surviving civil union partner is the sole Beneficiary and takes the additional death benefit payment option described in the Contract, Income Protector ends on the Business Day before the Income Date. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The date of death of the last surviving Covered Person. |
|--------|---------------------------------------------------------|

| · | The Business Day the Contract ends. |
|--------|-------------------------------------|

|   | 11.b INVESTMENT PROTECTOR |
|--------|---------------------------|

----

| · | This benefit is subject to a rider charge, as described in the Fee Tables and section 7, Expenses – Rider Charge. |
|--------|-------------------------------------------------------------------------------------------------------------------------|

| · | This benefit does not guarantee Investment Option performance. |
|--------|----------------------------------------------------------------|

| · | If you have the No Withdrawal Charge Option, you can only remove Investment Protector as discussed under “Removing Investment Protector” below. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select this benefit, we restrict your selection of Investment Options and rebalance your Contract Value quarterly. We also restrict additional Purchase Payment and Contract Value allocations and transfers. These restrictions support the benefit’s guarantees, and to the extent they limit your investment flexibility, they may limit the upside potential to your Contract Value and Target Value. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Target Value does not lock in any Contract Value gains that occur between Rider Anniversaries. |
|--------|----------------------------------------------------------------------------------------------------|

| · | The Target Value does not provide any guarantee to your Contract Value before the initial Target Value Date, or during the period between Target Value Dates. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The last Business Day before each Target Value Date is the only day that we guarantee your Contract Value equals the Target Value. |
|--------|------------------------------------------------------------------------------------------------------------------------------------|

| · | Investment Protector is not available for selection to Contracts issued in Massachusetts. |
|--------|-------------------------------------------------------------------------------------------|

| · | You cannot have Investment Protector and Income Protector or Income Focus at the same time. You can only have one of these benefits. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------|

| · | You can only select Investment Protector one time. You cannot select Investment Protector, remove it from your Contract and then reselect it. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Investment Protector is not available to Contracts issued before April 1, 2009. If you have questions about whether Investment Protector is available to you, please contact our Service Center at (800) 624-0197. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For an Investment Protector rider issued in Pennsylvania: If you change your mind about having Investment Protector, you can return the rider within ten days after receiving it and we treat it as if it had never been issued. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| · | If you select the benefit at issue, total Purchase Payments reduced by the percentage of Contract Value withdrawn, determined at the end of the Business Day we process each withdrawal. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select the benefitafter issue, the Contract Value determined at the end of the last Business Day (after the deduction of all Contract fees and expenses) before the Rider Effective Date, plus all Purchase Payments received on or after the Rider Effective Date, and reduced by the percentage of Contract Value withdrawn determined at the end of the Business Day we process each withdrawal taken on or after the Rider Effective Date. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you reset the initial Target Value Date, the Contract Value determined at the end of the last Business Day (after the deduction of all Contract fees and expenses) before the reset date, plus all Purchase Payments received on or after the reset date, and reduced by the percentage of Contract Value withdrawn determined at the end of the Business Day we process each withdrawal taken on or after the reset date. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We increase it by the amount of any additional Purchase Payments. |
|--------|-------------------------------------------------------------------|

| · | We reduce it by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| TABLE 1: Investment Protector Investment Option Groups                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Equity Group                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| AZL Balanced Index Strategy FundAZL BlackRock Capital Appreciation FundAZL Dreyfus Research Growth FundAZL Franklin Templeton Founding Strategy Plus FundAZL Gateway FundAZL Growth Index Strategy FundAZL International Index FundAZL Invesco Equity and Income FundAZL Invesco Growth and Income FundAZL Invesco International Equity FundAZL JPMorgan International Opportunities FundAZL JPMorgan U.S. Equity FundAZL MFS Investors Trust FundAZL MFS Mid Cap Value FundAZL MFS Value FundAZL Mid Cap Index FundAZL Morgan Stanley Mid Cap Growth Fund | AZL MVP Fusion Balanced FundAZL MVP Fusion Conservative FundAZL MVP Fusion Growth FundAZL MVP Fusion Moderate FundAZL NFJ International Value FundAZL Russell 1000 Growth Index FundAZL Russell 1000 Value Index FundAZL S&P 500 Index FundAZL T. Rowe Price Capital Appreciation FundAllianz NFJ Dividend Value VIT PortfolioBlackRock Global Allocation V.I. FundFidelity VIP FundsManager 50% PortfolioFidelity VIP FundsManager 60% PortfolioFranklin Income VIP FundFranklin Mutual Shares VIP FundPIMCO EqS Pathfinder PortfolioPIMCO VIT All Asset PortfolioPIMCO VIT Global Multi-Asset Managed Allocation PortfolioTempleton Growth VIP Fund |
| Fixed Income Group                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| AZL Enhanced Bond Index FundAZL Money Market FundAZL Pyramis Core Bond FundJP Morgan Insurance Trust Core Bond PortfolioMFS VIT Research Bond PortfolioFranklin U.S. Government Securities VIP Fund                                                                                                                                                                                                                                                                                                                                                        | PIMCO VIT Global Advantage Strategy Bond PortfolioPIMCO VIT High Yield PortfolioPIMCO VIT Real Return PortfolioPIMCO VIT Total Return PortfolioPIMCO VIT Uncontstrained Bond PortfolioTempleton Global Bond VIP Fund |

----

| TABLE 2: Investment Protector                           |
|---------------------------------------------------------|
| Number of Rider Years* to the Initial Target Value Date | CV = 94%+ of TV | CV = 88% to < 94% of TV | CV = 82% to < 88% of TV | CV = 76% to < 82% of TV | CV = 70% to < 76% of TV | CV = 64% to < 70% of TV | CV = 58% to < 64% of TV | CV = 52% to < 58% of TV | CV = 46% to < 52% of TV | CV = 40% to < 46% of TV | CV = 34% to < 40% of TV | CV = 28% to < 34% of TV | CV = 22% to < 28% of TV | CV = 16% to < 22% of TV | CV = 10% to < 16% of TV | CV = 4% to < 10% of TV | CV < 4% of TV |
| 33+                                                     | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% |
| 32                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% |
| 31                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% |
| 30                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% |
| 29                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% |
| 28                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% |
| 27                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% |
| 26                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% |
| 25                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% |
| 24                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% |
| 23                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% |
| 22                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% |
| 21                                                      | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% |
| 20                                                      | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% |
| 19                                                      | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% |
| 18                                                      | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% |
| 17                                                      | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% |
| 16                                                      | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% |
| 15                                                      | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% |
| 14                                                      | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% |
| 13                                                      | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% |
| 12                                                      | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% |
| 11                                                      | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% |
| 10                                                      | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 9                                                       | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 8                                                       | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 7                                                       | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 6                                                       | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 5                                                       | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 4                                                       | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 3                                                       | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 2                                                       | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 1                                                       | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| Initial Target Value Date and beyond                    | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |

| * | We round the number of years until the initial Target Value Date up to the next whole number. For example, when you are seven Rider Years and four months away from your initial Target Value Date, in this table you are eight Rider Years from the initial Target Value Date. |
|---|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1. | We determine the new maximum allowed allocation for the Equity group. It is the lesser of the maximum allowed allocation from the prior Quarterly Anniversary, or as set out in Table 2 (which appears earlier in this section). |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | If your current future allocation instructions comply with this new maximum allowed allocation for the Equity group, there is no change to your future allocation instructions and we rebalance your Contract Value according to these instructions. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | If your current future allocation instructions are greater than the new maximum allowed allocation for the Equity group we decrease the required allocation for the Equity group to this new lower amount. We then subtract this new percentage from 100% to determine the new required minimum allocation for the Fixed Income group. Lastly we rebalance your Investment Options’ Contract Value using the formula: a x (b / c) where: |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a = | The new required group allocation on the current Quarterly Anniversary. |
|--------|-----|-------------------------------------------------------------------------|

|   | b = | The required allocation for each Investment Option at the end of the prior Business Day. |
|--------|-----|------------------------------------------------------------------------------------------|

|   | c = | The required group allocation at the end of the prior Business Day. |
|--------|-----|---------------------------------------------------------------------|

| · | For Contracts with the Bonus Option, we rebalance the Bonus Value using the same percentages we use to rebalance your Contract Value. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------|

| · | In any twelve-month period, we cannot reduce the maximum allowed Contract Value allocation in the Equity group by more than 15%. |
|--------|----------------------------------------------------------------------------------------------------------------------------------|

| · | Unless the maximum allowed allocation for the Equity group changes, the minimum required allocation for the Fixed Income group does not change. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We may move all of your Contract Value out of one or more of your selected Investment Options. However, we send you a transaction confirmation each time we move Contract Value between Investment Options. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Unless you reset the initial Target Value Date, the maximum allowed in the Equity group never increases. |
|--------|----------------------------------------------------------------------------------------------------------|

| · | The maximum allowed allocation to the Equity group reduces with negative Investment Option performance and as the time until the initial Target Value Date decreases. If you allocate less than the maximum allowed to the Equity group, you may be subject to fewer Investment Option reallocations resulting from negative Investment Option performance. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | The Business Day we process your request to remove this benefit from your Contract (the rider termination date). |
|--------|------------------------------------------------------------------------------------------------------------------|

| · | The date of death of any Owner (or Annuitant, if the Contract is owned by a non-individual), unless the surviving spouse (or civil union partner for riders issued in New Jersey) elects to continue the Contract. However, if an Owner (or Annuitant, if the Contract is owned by a non-individual) dies and the surviving spouse (or civil union partner for riders issued in New Jersey) elects to receive payout of the death benefit, then this benefit ends at the end of the Business Day we receive a Valid Claim. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Business Day before the Income Date that you take a Full Annuitization. |
|--------|-----------------------------------------------------------------------------|

| · | The Business Day we process your request for a full withdrawal. |
|--------|-----------------------------------------------------------------|

| · | The Business Day the Contract ends. |
|--------|-------------------------------------|

|   | 11.c QUARTERLY VALUE DEATH BENEFIT |
|--------|------------------------------------|

| · | We increase it by the amount of any additional Purchase Payments. |
|--------|-------------------------------------------------------------------|

| · | We reduce it by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations, Lifetime Plus Payments or Income Focus Payments, Excess Withdrawals and any withdrawal charges; but do not include amounts we withdraw for other Contract charges. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | the rider termination date if you remove an Additional Required Benefit and do not simultaneously replace it with another Additional Required Benefit; |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | the older Owner’s 91st birthday (or the Annuitant’s 91st birthday if the Owner is a non-individual); or |
|--------|---------------------------------------------------------------------------------------------------------------------|

| · | the end of the Business Day we receive the first Valid Claim from any one Beneficiary. |
|--------|----------------------------------------------------------------------------------------|

----

| · | The Business Day before the Income Date that you take a Full Annuitization. |
|--------|-----------------------------------------------------------------------------|

| · | The Business Day that the Quarterly Anniversary Value and Contract Value are both zero. |
|--------|-----------------------------------------------------------------------------------------|

| · | The Business Day the Contract ends. |
|--------|-------------------------------------|

| · | Requires selection of an Additional Required Benefit. If you remove the Additional Required Benefit without simultaneously replacing it with another Additional Required Benefit, you keep any prior lock ins of quarterly investment gains to your death benefit but you will not receive any future lock ins and we no longer assess the additional 0.30% M&E charge for the Quarterly Value Death Benefit. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select Income Protector or have Income Focus, your Contract Value decreases with each Lifetime Plus Payment or Income Focus Payment, Excess Withdrawal, and rider charge deduction. This reduces the likelihood of locking in investment gains and directly reduces the Quarterly Anniversary Value. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts with the Bonus Option, bonus amounts are not included in the parts of the Quarterly Anniversary Value based on Purchase Payments, and are also not included in the parts of this value that are based on Contract Value until they are vested. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 11.d BONUS OPTION |
|--------|-------------------|

| ● | Bonus amounts are available to you as they vest. We include the bonus in any part of a guaranteed value based on Contract Value, but only as it vests. We do not include the bonus in any part of a guaranteed value based on Purchase Payments. The vesting schedule is as follows. |
|---------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Number of CompleteYears SincePurchase Payment Receipt | Vesting Percentage |
|-------------------------------------------------------|--------------------|
| 0                                                     | 0%                 |
| 1                                                     | 35%                |
| 2                                                     | 70%                |
|   3+                                        | 100%               |

| ● | We treat all bonus amounts and their gains or losses as Contract earnings for both tax purposes and the withdrawal charge. |
|---------|----------------------------------------------------------------------------------------------------------------------------|

| ● | All bonus gains and losses are part of your Contract Value and are always 100% vested. |
|---------|----------------------------------------------------------------------------------------|

| * | Including Partial Annuitizations, Lifetime Plus Payments, Income Focus Payments and Excess Withdrawals. |
|---|---------------------------------------------------------------------------------------------------------|

| · | The bonus may be more than offset by the Bonus Option’s additional M&E charge and withdrawal charge, especially during periods of poor Investment Option performance. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The IRS has not reviewed the Contract for qualification as an IRA and has not issued a ruling as to whether a bonus benefit with a vesting schedule complies with IRA requirements. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 12. | TAXES |
|-----|-------|

| Type of Contract                      | Persons and Entities that can buy the Contract                                                                                                                                      |
|---------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| IRA                                   | Must have the same individual as Owner and Annuitant.                                                                                                                               |
| Roth IRA                              | Must have the same individual as Owner and Annuitant.                                                                                                                               |
| Simplified Employee Pension (SEP) IRA | Must have the same individual as Owner and Annuitant.                                                                                                                               |
| Certain Code Section 401 Plans        | A qualified retirement plan is the Owner and the Annuitant must be an individual.We may determine which types of qualified retirement plans are eligible to purchase this Contract. |

| · | Taxes on earnings are deferred until you take money out. Non-Qualified Contracts owned by corporations or partnerships do not receive income tax deferral on earnings. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | When you take money out of a Non-Qualified Contract, earnings are generally subject to federal income tax and applicable state income tax. All pre-tax funds distributed from Qualified Contracts are subject to federal and state income tax, but qualified distributions from Roth IRA Contracts are not subject to federal income tax. This prospectus does not address specific state tax laws. You should discuss state taxation with your tax adviser. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Taxable distributions are subject to an ordinary income tax rate, rather than a capital gains rate. |
|--------|-----------------------------------------------------------------------------------------------------|

| · | Distributions from Non-Qualified Contracts are considered investment income for purposes of the newly enacted Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may apply to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income exceeds certain threshold amounts ($200,000 for filing single, $250,000 for married filing jointly and $125,000 for married filing separately.) Please consult a tax advisor for more information. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you take partial withdrawals from your Non-Qualified Contract, the withdrawals are generally taxed as though you were paid taxable earnings first, and then as a non-taxable return of Purchase Payments. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you fully annuitize your Non-Qualified Contract and receive a stream of Annuity Payments, you receive the benefit of the exclusion ratio, and each Annuity Payment you receive is treated partly as taxable earnings and partly as a non-taxable return of Purchase Payments. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you take partial withdrawals or annuitize a Qualified Contract, you will be responsible for determining what portion, if any, of the distribution consists of after-fax funds. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Lifetime Plus Payments and Income Focus Payments are taxed as partial withdrawals. |
|--------|------------------------------------------------------------------------------------|

----

| · | If you take out earnings before age 59½, you may be subject to a 10% additional federal tax, unless you take a lifetime annuitization of your Contract or you take money out in a stream of substantially equal payments over your expected life in accordance with the requirements of the Code. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | A pledge or assignment of a Contract may be treated as a taxable event. You should discuss any pledge or assignment of a Contract with your tax adviser. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you purchase multiple non-qualified deferred annuity contracts from an affiliated group of companies in one calendar year, these contracts are treated as one contract for purposes of determining the tax consequences of any distribution. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Death benefit proceeds from Non-Qualified Contracts are taxable to the beneficiary as ordinary income to the extent of any earnings. Death benefit proceeds must be paid out in accordance with the requirements of the Code. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Depending upon the type of Qualified Contract you own, required minimum distributions (RMDs) must be satisfied when you reach a certain age. If you enroll in our minimum distribution program, we make RMD payments to you that are designed to meet this Contract’s RMD requirements. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | When you take money out of a Contract, we may deduct premium tax that we pay on your Contract. This tax varies from 0% to 3.5%, depending on your state. Currently, we pay this tax and do not pass it on to you. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | you might have to pay a withdrawal charge on your previous contract, |
|--------|----------------------------------------------------------------------|

| · | unless you have the No Withdrawal Charge Option, there is a new withdrawal charge period for this Contract, |
|--------|-------------------------------------------------------------------------------------------------------------|

| · | other charges under this Contract may be higher (or lower), |
|--------|-------------------------------------------------------------|

| · | the benefits may be different, and |
|--------|------------------------------------|

| · | you no longer have access to any benefits from your previous contract. |
|--------|------------------------------------------------------------------------|

| 13. | OTHER INFORMATION |
|-----|-------------------|

----

----

| · | marketing services and increased access to their Financial Professionals; |
|--------|---------------------------------------------------------------------------|

| · | sales promotions relating to the Contracts; |
|--------|---------------------------------------------|

| · | costs associated with sales conferences and educational seminars; |
|--------|-------------------------------------------------------------------|

| · | the cost of client meetings and presentations; and |
|--------|----------------------------------------------------|

| · | other sales expenses incurred by them. |
|--------|----------------------------------------|

| · | issuance and maintenance of the Contracts, |
|--------|--------------------------------------------|

| · | maintenance of Owner records, |
|--------|-------------------------------|

| · | processing and mailing of account statements and other mailings to Owners, and |
|--------|--------------------------------------------------------------------------------|

| · | routine customer service including: |
|--------|-------------------------------------|

|   | – | responding to Owner correspondence and inquiries, |
|--------|---------|---------------------------------------------------|

|   | – | processing of Contract changes, |
|--------|---------|---------------------------------|

|   | – | processing withdrawal requests (both partial and total) and |
|--------|---------|-------------------------------------------------------------|

|   | – | processing annuitization requests. |
|--------|---------|------------------------------------|

----

----

| 14. | PRIVACY AND SECURITY STATEMENT |
|-----|--------------------------------|

| · | From you, either directly or through your agent. This includes information on your insurance application or other information provided during the application process or while you hold a policy with us. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | From others, through the process of handling a claim. This may include information from medical or accident reports. |
|--------|----------------------------------------------------------------------------------------------------------------------|

| · | From your doctor or health provider. This is medical information about you, gathered with your written authorization. |
|--------|-----------------------------------------------------------------------------------------------------------------------|

| · | From a consumer reporting agency such as a medical, credit, or motor vehicle report. |
|--------|--------------------------------------------------------------------------------------|

| · | From sources using the information you provide, in order to obtain updated or additional information. An example is the U.S. Postal Service, in order to validate your current mailing address so that we may maintain records to correspond with you. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | With affiliates and service providers in order to administer or service your policy, and with research groups to conduct various studies. However, no individual is identified in any study or summary report. These companies sign a Privacy and Security Agreement, requiring them to protect your information. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | With consumer reporting agencies to obtain a medical report, credit report, or motor vehicle report. These reports are used to determine eligibility for coverage or to process your requested transactions. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | With your insurance agent and their affiliates so that they can perform services for you. |
|--------|-------------------------------------------------------------------------------------------|

| · | With medical professionals in order to process your claim. |
|--------|------------------------------------------------------------|

| · | With a state Department of Insurance in order to examine our records or business practices. |
|--------|---------------------------------------------------------------------------------------------|

| · | With state or federal law enforcement agencies, as required by law or to report suspected fraud activities. |
|--------|-------------------------------------------------------------------------------------------------------------|

----

| Allianz Life Insurance Company of North America5701 Golden Hills DriveMinneapolis, MN 55416-1297800.950.5872www.allianzlife.com | Allianz and its affiliated companies:·Allianz Life Insurance Company of North America·Allianz Life Insurance Company of New York·Allianz Investment Management LLC·Allianz Life Financial Services, LLC·Questar Asset Management, Inc.·Questar Capital Corporation |
|---------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15. | TABLE OF CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION (SAI) |
|-----|--------------------------------------------------------------------|

| Allianz Life…………………………………………………………….         | 2      | Income Tax Withholding……………………………..                          | 8      |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------------------------------------------------|--------|
| Experts………………………………………………………………… | 2      | Multiple Contracts…………………………………….          | 9      |
| Legal Opinions………………………………………………………..                    | 2      | Partial 1035 Exchanges………………………………                     | 9      |
| Distributor……………………………………………………………..         | 2      | Assignments, Pledges and Gratuitous Transfers….                                                                          | 9      |
| Federal Tax Status…………………………………………………..                              | 3      | Death Benefits………………………………………… | 9      |
| Annuity Contracts in General……………………………………                                                         | 3      | Spousal Continuation and the Federal Defense of                                                                                |   |
| Taxation of Annuities in General………………………………..                                                                 | 3      | Marriage Act (DOMA)………………………….                                     | 9      |
| Qualified Contracts……………………………………………….                                     | 4      | Federal Estate Taxes…………………………………                | 10     |
| Purchasing a Qualified Contract………………………………..                                                                  | 5      | Generation-Skipping Transfer Tax………………….                                             | 10     |
| Distributions Qualified Contracts………………………………..                                                                | 6      | Foreign Tax Credits…………………………………..               | 10     |
| Distributions Non-Qualified Contracts………………………….                                                                           | 7      | Possible Tax Law Changes………………………….                                | 10     |
| Required Distributions……………………………………………                                          | 7      | Annuity Payments………………………………………..    | 10     |
| Diversification……………………………………………………..                          | 8      | Annuity Payment Options……………………………                           | 10     |
| Owner Control…………………………………………………….                             | 8      | Annuity Units/Calculating Variable Annuity                                                                                     |   |
| Contracts Owned by Non-Individuals…………………………..                                                                             | 8      | Payments………………………….…………….            | 12     |
| Annuity Purchases by Nonresident Aliens and                                                                                                                                            |   | Financial Statements…………………………………….        | 13     |
| Foreign Corporations……………………...........................                                                                                | 8      | Appendix A  – Death of the Owner and/or Annuitant…                                                       | 13     |
|                                                                                                                                                                                   |   | Appendix B  – Condensed Financial Information                                                                  | 16     |

|   |   |
|--------|--------|

----

|   | APPENDIX A – ANNUAL OPERATING EXPENSES FOR EACH INVESTMENT OPTION |
|--------|-------------------------------------------------------------------------|

| Investment Option                                               | Management fees | Rule 12b-1 fees | Service fees | Other expenses | Acquired fund fees and expenses | Total annual fund operating expenses before fee waivers and/or expense reimbursements |
|-----------------------------------------------------------------|-----------------|-----------------|--------------|----------------|---------------------------------|---------------------------------------------------------------------------------------|
| BLACKROCK                                                       |
| AZL BlackRock Capital Appreciation  Fund              | .80             | .25             | –      | .06            | –                         | 1.11                                                                                  |
| AZL Enhanced Bond Index Fund                                    | .35             | .25             | –      | .06            | .03                             | .69                                                                                   |
| AZL International Index Fund                                    | .35             | .25             | –      | .16            | –                         | .76                                                                                   |
| AZL Mid Cap Index Fund                                          | .25             | .25             | –      | .08            | .02                             | .60                                                                                   |
| AZL Money Market Fund                                           | .35             | .25             | –      | .05            | –                         | .65                                                                                   |
| AZL Russell 1000 Growth Index Fund                         | .44             | .25             | –      | .09            | –                         | .78                                                                                   |
| AZL Russell 1000 Value Index Fund                               | .44             | .25             | –      | .08            | .01                             | .78                                                                                   |
| AZL S&P 500 Index Fund – Class 2                      | .17             | .25             | –      | .07            | –                         | .49                                                                                   |
| AZL Small Cap Stock Index Fund                                  | .26             | .25             | –      | .08            | .05                             | .64                                                                                   |
| BlackRock Global Allocation V.I. Fund – Class 3           | .62             | .25             | –      | .24            | –                         | 1.11                                                                                  |
| DAVIS                                                           |
| Davis VA Financial Portfolio                                    | .55             | –         | –      | .13            | –                         | .68                                                                                   |
| DREYFUS                                                         |
| AZL Dreyfus Research Growth Fund                                | .76             | .25             | –      | .06            | –                         | 1.07                                                                                  |
| FEDERATED                                                       |
| AZL Federated Clover Small Value Fund                           | .75             | .25             | –      | .08            | .04                             | 1.12                                                                                  |
| FIDELITY                                                        |
| Fidelity VIP FundsManager 50% Portfolio – Service Class 2 | .25             | .25             | –      | –        | .55                             | 1.05                                                                                  |
| Fidelity VIP FundsManager 60% Portfolio – Service Class 2 | .25             | .25             | –      | –        | .63                             | 1.13                                                                                  |
| FRANKLIN TEMPLETON                                              |
| AZL Franklin Templeton Founding Strategy Plus Fund              | .70             | .25             | –      | .10            | –                         | 1.05                                                                                  |
| Franklin Founding Funds Allocation VIP Fund – Class 2     | .00             | .25             | –      | .11            | .66                             | 1.02                                                                                  |
| Franklin High Income VIP Fund – Class 2                   | .52             | .25             | –      | .06            | –                         | .83                                                                                   |
| Franklin Income VIP Fund – Class 2                        | .45             | .25             | –      | .02            | –                         | .72                                                                                   |
| Franklin Mutual Shares VIP Fund – Class 2                 | .60             | .25             | –      | .11            | –                         | .96                                                                                   |
| Franklin U.S. Government Securities VIP Fund – Class 2    | .47             | .25             | –      | .02            | –                         | .74                                                                                   |
| Templeton Global Bond VIP Fund – Class 2                  | .46             | .25             | –      | .05            | –                         | .76                                                                                   |
| Templeton Growth VIP Fund – Class 2                       | .75             | .25             | –      | .03            | –                         | 1.03                                                                                  |
| GATEWAY                                                         |
| AZL Gateway Fund                                                | .80             | .25             | –      | .06            | –                         | 1.11                                                                                  |
| INVESCO                                                         |
| AZL Invesco Equity and Income Fund                              | .75             | .25             | –      | .06            | .01                             | 1.07                                                                                  |
| AZL Invesco Growth and Income Fund                              | .75             | .25             | –      | .05            | –                         | 1.05                                                                                  |
| AZL Invesco International Equity Fund                           | .90             | .25             | –      | .09            | .02                             | 1.26                                                                                  |
| J.P. MORGAN                                                     |
| AZL JPMorgan International Opportunities Fund                   | .95             | .25             | –      | .09            | –                         | 1.29                                                                                  |
| AZL JPMorgan U.S. Equity Fund – Class 2                   | .80             | .25             | –      | .06            | –                         | 1.11                                                                                  |
| JPMorgan Insurance Trust Core Bond Portfolio – Class 2    | .40             | .25             | –      | .20            | .01                             | .86                                                                                   |
| MFS                                                             |
| AZL MFS Investors Trust Fund                                    | .75             | .25             | –      | .06            | –                         | 1.06                                                                                  |
| AZL MFS Mid Cap Value Fund                                      | .75             | .25             | –      | .06            | –                         | 1.06                                                                                  |
| AZL MFS Value Fund                                              | .74             | .25             | –      | .06            | –                         | 1.05                                                                                  |
| MFS VIT Research Bond Portfolio – Service Class           | .50             | .25             | –      | .04            | –                         | .79                                                                                   |

----

| MORGAN STANLEY                                                                 |
|--------------------------------------------------------------------------------|
| AZL Morgan Stanley Global Real Estate Fund                                     | .90 | .25 | – | .14 | – | 1.29 |
| AZL Morgan Stanley Mid Cap Growth Fund                                         | .80 | .25 | – | .07 | – | 1.12 |
| NFJ                                                                            |
| AZL NFJ International Value Fund                                               | .90 | .25 | – | .08 | – | 1.23 |
| Allianz NFJ Dividend Value VIT Portfolio                                       | .70 | .25 | – | .29 | – | 1.24 |
| OPPENHEIMERFUNDS                                                               |
| AZL Oppenheimer Discovery Fund                                                 | .85 | .25 | – | .06 | – | 1.16 |
| PIMCO                                                                          |
| PIMCO EqS Pathfinder Portfolio – Advisor Class                           | 1.10 | .25 | – | .01 | .02 | 1.38 |
| PIMCO VIT All Asset Portfolio – Admin. Class                             | .425 | – | .15 | – | .76 | 1.335 |
| PIMCO VIT CommodityRealReturn Strategy Portfolio – Admin. Class          | .74 | – | .15 | .08 | .12 | 1.09 |
| PIMCO VIT Emerging Markets Bond Portfolio – Admin. Class                 | .85 | – | .15 | – | – | 1.00 |
| PIMCO VIT Global Advantage Strategy Bond Portfolio – Admin. Class        | .75 | – | .15 | – | – | .90 |
| PIMCO VIT Global Bond Portfolio (Unhedged) – Admin. Class                | .75 | – | .15 | .03 | – | .93 |
| PIMCO VIT Global Multi-Asset Managed Allocation Portfolio – Admin. Class | .95 | – | .15 | .01 | .52 | 1.63 |
| PIMCO VIT Global Multi-Asset Managed Volatility Portfolio – Admin. Class | 1.05 | _ | .15 | – | .48 | 1.68 |
| PIMCO VIT High Yield Portfolio – Admin. Class                            | .60 | – | .15 | – | – | .75 |
| PIMCO VIT Real Return Portfolio – Admin. Class                           | .50 | – | .15 | .05 | – | .70 |
| PIMCO VIT Total Return Portfolio – Admin. Class                          | .50 | – | .15 | – | – | .65 |
| PIMCO VIT Unconstrained Bond Portfolio – Admin Class                     | .90 | – | .15 | – | – | 1.05 |
| PYRAMIS                                                                        |
| AZL Pyramis Core Bond Fund                                                     | .50 | .25 | – | .06 | .02 | .83 |
| SCHRODER                                                                       |
| AZL Schroder Emerging Markets Equity Fund                                      | 1.23 | .25 | – | .22 | – | 1.70 |
| T. ROWE PRICE                                                                  |   |   |   |   |   |   |
| AZL T. Rowe Price Capital Appreciation Fund                                    | .75 | .25 | – | .06 | .01 | 1.07 |

| Investment Option                                      | Management fees | Rule 12b-1 fees | Other expenses | Total  | Acquired fund fees and expenses | Total annualfund operating expenses before fee waivers and/or expense reimbursements |
|--------------------------------------------------------|-----------------|-----------------|----------------|--------|---------------------------------|--------------------------------------------------------------------------------------|
| ALLIANZ FUND OF FUNDS                                  |            |            |           |   |                            |                                                                                 |
| AZL Balanced Index Strategy Fund                       | .05             | –         | .03            | .08    | .62                             | .70                                                                                  |
| AZL Growth Index Strategy Fund                         | .05             | –         | .02            | .07    | .60                             | .67                                                                                  |
| AZL MVP Fusion Balanced Fund                           | .20             | –         | .02            | .22    | .85                             | 1.07                                                                                 |
| AZL MVP Fusion Conservative Fund                       | .20             | –         | .04            | .24    | .79                             | 1.03                                                                                 |
| AZL MVP Fusion Growth Fund                             | .20             | –         | .02            | .22    | .94                             | 1.16                                                                                 |
| AZL MVP Fusion Moderate Fund                           | .20             | –         | .02            | .22    | .89                             | 1.11                                                                                 |
| AZL MVP Balanced Index Strategy Fund                   | .10             | –         | .07            | .17    | .59                             | .76                                                                                  |
| AZL MVP BlackRock Global Allocation Fund               | .10             | –         | .03            | .13    | 1.08                            | 1.21                                                                                 |
| AZL MVP Franklin Templeton Founding Strategy Plus Fund | .10             | –         | .07            | .17    | .99                             | 1.16                                                                                 |
| AZL MVP Growth Index Strategy Fund                     | .10             | –         | .03            | .13    | .57                             | .70                                                                                  |
| AZL MVP Invesco Equity and Income Fund                 | .10             | –         | .06            | .16    | .92                             | 1.08                                                                                 |
| AZL MVP T. Rowe Price Capital Appreciation Fund        | .10             | --              | .05            | .15    | .97                             | 1.12                                                                                 |

|   |   |
|--------|--------|

----

|   | APPENDIX B – CONDENSED FINANCIAL INFORMATION |
|--------|----------------------------------------------------|

| Lowest and Highest Combination of Benefit Options                     | M&E Charge |
|-----------------------------------------------------------------------|----------------|
| Base Contract without optional benefits                               | 1.40%          |
| Base Contract with the Bonus Option and Quarterly Value Death Benefit | 2.00%          |

| M&E Charge 1.40%                    | M&E Charge 2.00%       |
|-----------------------------------------|----------------------------|
| Period or Year Ended                    | AUV at Beginning of Period | AUV at End of Period | Number of Accumulation Units Outstanding at End of Period |   | Period or Year Ended | AUV at Beginning of Period | AUV at End of Period | Number of Accumulation Units Outstanding at End of Period |
| AZL Balanced Index Strategy Fund        |
| 12/31/2009                              | N/A                        | 10.035 | 338 |   | 12/31/2009 | N/A | 10.023 | 60 |
| 12/31/2010                              | 10.035                     | 10.934 | 2326 |   | 12/31/2010 | 10.023 | 10.856 | 289 |
| 12/31/2011                              | 10.934                     | 11.042 | 5325 |   | 12/31/2011 | 10.856 | 10.898 | 376 |
| 12/31/2012                              | 11.042                     | 12.008 | 5932 |   | 12/31/2012 | 10.898 | 11.780 | 435 |
| 12/31/2013                              | 12.008                     | 13.372 | 5932 |   | 12/31/2013 | 11.780 | 13.040 | 492 |
| AZL BlackRock Capital Appreciation Fund |
| 12/31/2007                              | N/A                        | 13.11 | 84 |   | 12/31/2007 | N/A | 12.901 | 17 |
| 12/31/2008                              | 13.110                     | 8.225 | 144 |   | 12/31/2008 | 12.901 | 8.046 | 21 |
| 12/31/2009                              | 8.225                      | 10.987 | 266 |   | 12/31/2009 | 8.046 | 10.683 | 35 |
| 12/31/2010                              | 10.987                     | 12.914 | 1180 |   | 12/31/2010 | 10.683 | 12.482 | 112 |
| 12/31/2011                              | 12.914                     | 11.575 | 2456 |   | 12/31/2011 | 12.482 | 11.120 | 162 |
| 12/31/2012                              | 11.575                     | 12.980 | 3380 |   | 12/31/2012 | 11.120 | 12.395 | 200 |
| 12/31/2013                              | 12.980                     | 17.080 | 3626 |   | 12/31/2013 | 12.395 | 16.213 | 249 |
| AZL Dreyfus Research Growth Fund        |
| 12/31/2007                              | N/A                        | 11.526 | 106 |   | 12/31/2007 | N/A | 11.108 | 28 |
| 12/31/2008                              | 11.526                     | 6.634 | 164 |   | 12/31/2008 | 11.108 | 6.355 | 32 |
| 12/31/2009                              | 6.634                      | 8.816 | 92 |   | 12/31/2009 | 6.355 | 8.394 | 15 |
| 12/31/2010                              | 8.816                      | 10.686 | 206 |   | 12/31/2010 | 8.394 | 10.114 | 22 |
| 12/31/2011                              | 10.686                     | 10.201 | 497 |   | 12/31/2011 | 10.114 | 9.597 | 123 |
| 12/31/2012                              | 10.201                     | 11.844 | 872 |   | 12/31/2012 | 9.597 | 11.076 | 101 |
| 12/31/2013                              | 11.844                     | 15.884 | 1049 |   | 12/31/2013 | 11.076 | 14.765 | 87 |
| AZL Federated Clover Small Value Fund   |
| 12/31/2007                              | N/A                        | 17.485 | 185 |   | 12/31/2007 | N/A | 17.002 | 31 |
| 12/31/2008                              | 17.485                     | 11.426 | 219 |   | 12/31/2008 | 17.002 | 11.043 | 37 |
| 12/31/2009                              | 11.426                     | 14.716 | 48 |   | 12/31/2009 | 11.043 | 14.138 | 9 |
| 12/31/2010                              | 14.716                     | 18.446 | 230 |   | 12/31/2010 | 14.138 | 17.615 | 29 |
| 12/31/2011                              | 18.446                     | 17.477 | 399 |   | 12/31/2011 | 17.615 | 16.590 | 31 |
| 12/31/2012                              | 17.477                     | 19.701 | 460 |   | 12/31/2012 | 16.590 | 18.589 | 31 |
| 12/31/2013                              | 19.701                     | 25.642 | 609 |   | 12/31/2013 | 18.589 | 24.051 | 82 |

----

| AZL Franklin Templeton Founding Strategy Plus Fund |
|----------------------------------------------------|
| 12/31/2009                                         | N/A | 10.218 | 321 |   | 12/31/2009 | N/A | 10.206 | 28 |
| 12/31/2010                                         | 10.218 | 11.085 | 5059 |   | 12/31/2010 | 10.206 | 11.006 | 327 |
| 12/31/2011                                         | 11.085 | 10.731 | 10163 |   | 12/31/2011 | 11.006 | 10.591 | 519 |
| 12/31/2012                                         | 10.731 | 12.145 | 10808 |   | 12/31/2012 | 10.591 | 11.915 | 535 |
| 12/31/2013                                         | 12.145 | 14.147 | 11701 |   | 12/31/2013 | 11.915 | 13.795 | 504 |
| AZL Gateway Fund                                   |
| 12/31/2010                                         | N/A | 10.102 | 494 |   | 12/31/2010 | N/A | 10.061 | 39 |
| 12/31/2011                                         | 10.102 | 10.267 | 1418 |   | 12/31/2011 | 10.061 | 10.165 | 142 |
| 12/31/2012                                         | 10.267 | 10.544 | 1762 |   | 12/31/2012 | 10.165 | 10.376 | 220 |
| 12/31/2013                                         | 10.544 | 11.275 | 1922 |   | 12/31/2013 | 10.376 | 11.029 | 126 |
| AZL Growth Index Strategy Fund                     |
| 12/31/2009                                         | N/A | 10.067 | 385 |   | 12/31/2009 | N/A | 10.055 | 117 |
| 12/31/2010                                         | 10.067 | 11.259 | 6293 |   | 12/31/2010 | 10.055 | 11.179 | 424 |
| 12/31/2011                                         | 11.259 | 11.104 | 18441 |   | 12/31/2011 | 11.179 | 10.959 | 915 |
| 12/31/2012                                         | 11.104 | 12.408 | 21434 |   | 12/31/2012 | 10.959 | 12.172 | 913 |
| 12/31/2013                                         | 12.408 | 14.814 | 24387 |   | 12/31/2013 | 12.172 | 14.446 | 1259 |
| AZL International Index Fund                       |
| 12/31/2009                                         | N/A | 9.761 | 56 |   | 12/31/2009 | N/A | 9.749 | 10 |
| 12/31/2010                                         | 9.761 | 10.310 | 248 |   | 12/31/2010 | 9.749 | 10.236 | 18 |
| 12/31/2011                                         | 10.310 | 8.868 | 691 |   | 12/31/2011 | 10.236 | 8.752 | 49 |
| 12/31/2012                                         | 8.868 | 10.321 | 1199 |   | 12/31/2012 | 8.752 | 10.125 | 46 |
| 12/31/2013                                         | 10.321 | 12.351 | 1434 |   | 12/31/2013 | 10.125 | 12.044 | 42 |
| AZL Invesco Equity and Income Fund                 |
| 12/31/2007                                         | N/A | 12.832 | 452 |   | 12/31/2007 | N/A | 12.552 | 104 |
| 12/31/2008                                         | 12.832 | 9.627 | 470 |   | 12/31/2008 | 12.552 | 9.360 | 72 |
| 12/31/2009                                         | 9.627 | 11.662 | 896 |   | 12/31/2009 | 9.360 | 11.271 | 124 |
| 12/31/2010                                         | 11.662 | 12.850 | 4038 |   | 12/31/2010 | 11.271 | 12.345 | 269 |
| 12/31/2011                                         | 12.850 | 12.395 | 7110 |   | 12/31/2011 | 12.345 | 11.838 | 524 |
| 12/31/2012                                         | 12.395 | 13.678 | 7435 |   | 12/31/2012 | 11.838 | 12.984 | 485 |
| 12/31/2013                                         | 13.678 | 16.814 | 9846 |   | 12/31/2013 | 12.984 | 15.866 | 795 |
| AZL Invesco Growth and Income Fund                 |
| 12/31/2007                                         | N/A | 14.291 | 105 |   | 12/31/2007 | N/A | 13.730 | 77 |
| 12/31/2008                                         | 14.291 | 9.462 | 155 |   | 12/31/2008 | 13.730 | 9.036 | 134 |
| 12/31/2009                                         | 9.462 | 11.537 | 90 |   | 12/31/2009 | 9.036 | 10.951 | 19 |
| 12/31/2010                                         | 11.537 | 12.783 | 276 |   | 12/31/2010 | 10.951 | 12.062 | 30 |
| 12/31/2011                                         | 12.783 | 12.361 | 470 |   | 12/31/2011 | 12.062 | 11.594 | 54 |
| 12/31/2012                                         | 12.361 | 13.936 | 691 |   | 12/31/2012 | 11.594 | 12.993 | 49 |
| 12/31/2013                                         | 13.936 | 18.371 | 911 |   | 12/31/2013 | 12.993 | 17.025 | 46 |
| AZL Invesco International Equity Fund              |
| 12/31/2007                                         | N/A | 19.83 | 240 |   | 12/31/2007 | N/A | 19.167 | 92 |
| 12/31/2008                                         | 19.830 | 11.438 | 302 |   | 12/31/2008 | 19.167 | 10.988 | 77 |
| 12/31/2009                                         | 11.438 | 15.15 | 173 |   | 12/31/2009 | 10.988 | 14.468 | 38 |
| 12/31/2010                                         | 15.150 | 16.810 | 307 |   | 12/31/2010 | 14.468 | 15.957 | 37 |
| 12/31/2011                                         | 16.810 | 15.364 | 631 |   | 12/31/2011 | 15.957 | 14.498 | 54 |
| 12/31/2012                                         | 15.364 | 17.506 | 857 |   | 12/31/2012 | 14.498 | 16.420 | 62 |
| 12/31/2013                                         | 17.506 | 20.506 | 971 |   | 12/31/2013 | 16.420 | 19.118 | 104 |
| AZL JPMorgan International Opportunities Fund      |
| 12/31/2007                                         | N/A | 19.359 | 276 |   | 12/31/2007 | N/A | 18.824 | 48 |
| 12/31/2008                                         | 19.359 | 13.637 | 302 |   | 12/31/2008 | 18.824 | 13.180 | 28 |
| 12/31/2009                                         | 13.637 | 16.987 | 119 |   | 12/31/2009 | 13.180 | 16.320 | 29 |
| 12/31/2010                                         | 16.987 | 17.747 | 226 |   | 12/31/2010 | 16.320 | 16.948 | 35 |
| 12/31/2011                                         | 17.747 | 15.154 | 384 |   | 12/31/2011 | 16.948 | 14.386 | 35 |
| 12/31/2012                                         | 15.154 | 17.970 | 582 |   | 12/31/2012 | 14.386 | 16.956 | 34 |
| 12/31/2013                                         | 17.970 | 21.387 | 684 |   | 12/31/2013 | 16.956 | 20.059 | 49 |

----

| AZL JPMorgan U.S. Equity Fund              |
|--------------------------------------------|
| 12/31/2007                                 | N/A | 12.939 | 81 |   | 12/31/2007 | N/A | 12.657 | 18 |
| 12/31/2008                                 | 12.939 | 7.824 | 99 |   | 12/31/2008 | 12.657 | 7.607 | 23 |
| 12/31/2009                                 | 7.824 | 10.316 | 58 |   | 12/31/2009 | 7.607 | 9.971 | 8 |
| 12/31/2010                                 | 10.316 | 11.492 | 165 |   | 12/31/2010 | 9.971 | 11.041 | 21 |
| 12/31/2011                                 | 11.492 | 11.083 | 312 |   | 12/31/2011 | 11.041 | 10.585 | 24 |
| 12/31/2012                                 | 11.083 | 12.801 | 564 |   | 12/31/2012 | 10.585 | 12.152 | 32 |
| 12/31/2013                                 | 12.801 | 17.281 | 667 |   | 12/31/2013 | 12.152 | 16.306 | 64 |
| AZL MFS Investors Trust Fund               |
| 12/31/2007                                 | N/A | 14.871 | 169 |   | 12/31/2007 | N/A | 14.634 | 41 |
| 12/31/2008                                 | 14.871 | 8.782 | 282 |   | 12/31/2008 | 14.634 | 8.591 | 73 |
| 12/31/2009                                 | 8.782 | 13.147 | 89 |   | 12/31/2009 | 8.591 | 12.783 | 72 |
| 12/31/2010                                 | 13.147 | 14.391 | 135 |   | 12/31/2010 | 12.783 | 13.909 | 76 |
| 12/31/2011                                 | 14.391 | 13.877 | 271 |   | 12/31/2011 | 13.909 | 13.333 | 20 |
| 12/31/2012                                 | 13.877 | 16.276 | 454 |   | 12/31/2012 | 13.333 | 15.543 | 28 |
| 12/31/2013                                 | 16.276 | 21.149 | 514 |   | 12/31/2013 | 15.543 | 20.076 | 28 |
| AZL MFS Mid Cap Value Fund                 |
| 12/31/2007                                 | N/A | 10.319 | 116 |   | 12/31/2007 | N/A | 10.216 | 11 |
| 12/31/2008                                 | 10.319 | 4.869 | 168 |   | 12/31/2008 | 10.216 | 4.791 | 14 |
| 12/31/2009                                 | 4.869 | 6.352 | 110 |   | 12/31/2009 | 4.791 | 6.213 | 7 |
| 12/31/2010                                 | 6.352 | 7.683 | 482 |   | 12/31/2010 | 6.213 | 7.470 | 24 |
| 12/31/2011                                 | 7.683 | 7.306 | 1336 |   | 12/31/2011 | 7.470 | 7.061 | 53 |
| 12/31/2012                                 | 7.306 | 8.359 | 1986 |   | 12/31/2012 | 7.061 | 8.030 | 75 |
| 12/31/2013                                 | 8.359 | 11.120 | 2370 |   | 12/31/2013 | 8.030 | 10.619 | 93 |
| AZL MFS Value Fund                         |
| 12/31/2007                                 | N/A | 12.386 | 130 |   | 12/31/2007 | N/A | 11.899 | 92 |
| 12/31/2008                                 | 12.386 | 7.794 | 167 |   | 12/31/2008 | 11.899 | 7.443 | 123 |
| 12/31/2009                                 | 7.794 | 9.724 | 66 |   | 12/31/2009 | 7.443 | 9.231 | 45 |
| 12/31/2010                                 | 9.724 | 10.531 | 258 |   | 12/31/2010 | 9.231 | 9.937 | 37 |
| 12/31/2011                                 | 10.531 | 9.923 | 532 |   | 12/31/2011 | 9.937 | 9.307 | 57 |
| 12/31/2012                                 | 9.923 | 11.416 | 917 |   | 12/31/2012 | 9.307 | 10.643 | 58 |
| 12/31/2013                                 | 11.416 | 15.244 | 1128 |   | 12/31/2013 | 10.643 | 14.127 | 69 |
| AZL Mid Cap Index Fund                     |
| 12/31/2010                                 | N/A | 10.670 | 266 |   | 12/31/2010 | N/A | 10.627 | 11 |
| 12/31/2011                                 | 10.670 | 10.278 | 788 |   | 12/31/2011 | 10.627 | 10.176 | 27 |
| 12/31/2012                                 | 10.278 | 11.879 | 1481 |   | 12/31/2012 | 10.176 | 11.690 | 42 |
| 12/31/2013                                 | 11.879 | 15.546 | 1962 |   | 12/31/2013 | 11.690 | 15.207 | 66 |
| AZL Money Market Fund                      |
| 12/31/2007                                 | N/A | 11.125 | 661 |   | 12/31/2007 | N/A | 10.609 | 768 |
| 12/31/2008                                 | 11.125 | 11.238 | 1156 |   | 12/31/2008 | 10.609 | 10.652 | 957 |
| 12/31/2009                                 | 11.238 | 11.106 | 2332 |   | 12/31/2009 | 10.652 | 10.464 | 388 |
| 12/31/2010                                 | 11.106 | 10.952 | 6107 |   | 12/31/2010 | 10.464 | 10.258 | 869 |
| 12/31/2011                                 | 10.952 | 10.801 | 9518 |   | 12/31/2011 | 10.258 | 10.055 | 1137 |
| 12/31/2012                                 | 10.801 | 10.650 | 11646 |   | 12/31/2012 | 10.055 | 9.855 | 1059 |
| 12/31/2013                                 | 10.650 | 10.502 | 6972 |   | 12/31/2013 | 9.855 | 9.660 | 870 |
| AZL Morgan Stanley Global Real Estate Fund |
| 12/31/2007                                 | N/A | 10.852 | 194 |   | 12/31/2007 | N/A | 10.743 | 34 |
| 12/31/2008                                 | 10.852 | 5.796 | 287 |   | 12/31/2008 | 10.743 | 5.704 | 64 |
| 12/31/2009                                 | 5.796 | 8.013 | 82 |   | 12/31/2009 | 5.704 | 7.838 | 34 |
| 12/31/2010                                 | 8.013 | 9.550 | 203 |   | 12/31/2010 | 7.838 | 9.285 | 59 |
| 12/31/2011                                 | 9.550 | 8.481 | 422 |   | 12/31/2011 | 9.285 | 8.197 | 73 |
| 12/31/2012                                 | 8.481 | 10.860 | 376 |   | 12/31/2012 | 8.197 | 10.433 | 71 |
| 12/31/2013                                 | 10.860 | 11.032 | 289 |   | 12/31/2013 | 10.433 | 10.535 | 59 |

----

| AZL Morgan Stanley Mid Cap Growth Fund                 |
|--------------------------------------------------------|
| 12/31/2007                                             | N/A | 16.193 | 253 |   | 12/31/2007 | N/A | 15.557 | 92 |
| 12/31/2008                                             | 16.193 | 8.220 | 403 |   | 12/31/2008 | 15.557 | 7.850 | 80 |
| 12/31/2009                                             | 8.220 | 12.780 | 116 |   | 12/31/2009 | 7.850 | 12.131 | 134 |
| 12/31/2010                                             | 12.780 | 16.698 | 390 |   | 12/31/2010 | 12.131 | 15.756 | 80 |
| 12/31/2011                                             | 16.698 | 15.385 | 774 |   | 12/31/2011 | 15.756 | 14.430 | 99 |
| 12/31/2012                                             | 15.385 | 16.438 | 1157 |   | 12/31/2012 | 14.430 | 15.326 | 120 |
| 12/31/2013                                             | 16.438 | 22.522 | 1240 |   | 12/31/2013 | 15.326 | 20.872 | 152 |
| AZL MVP Balanced Index Strategy Fund                   |
| 12/31/2012                                             | N/A | 10.702 | 3174 |   | 12/31/2012 | N/A | 10.640 | 148 |
| 12/31/2013                                             | 10.702 | 11.879 | 4668 |   | 12/31/2013 | 10.640 | 11.739 | 324 |
| AZL MVP BlackRock Global Allocation Fund               |
| 12/31/2012                                             | N/A | 10.526 | 14320 |   | 12/31/2012 | N/A | 10.465 | 455 |
| 12/31/2013                                             | 10.526 | 11.841 | 20817 |   | 12/31/2013 | 10.465 | 11.702 | 597 |
| AZL MVP Franklin Templeton Founding Strategy Plus Fund |
| 12/31/2012                                             | N/A | 10.586 | 2308 |   | 12/31/2012 | N/A | 10.543 | 75 |
| 12/31/2013                                             | 10.586 | 12.296 | 5507 |   | 12/31/2013 | 10.543 | 12.173 | 215 |
| AZL MVP Fusion Balanced Fund                           |
| 12/31/2007                                             | N/A | 12.121 | 800 |   | 12/31/2007 | N/A | 11.929 | 87 |
| 12/31/2008                                             | 12.121 | 8.672 | 958 |   | 12/31/2008 | 11.929 | 8.483 | 109 |
| 12/31/2009                                             | 8.672 | 10.836 | 1224 |   | 12/31/2009 | 8.483 | 10.536 | 329 |
| 12/31/2010                                             | 10.836 | 11.868 | 7445 |   | 12/31/2010 | 10.536 | 11.471 | 723 |
| 12/31/2011                                             | 11.868 | 11.598 | 12971 |   | 12/31/2011 | 11.471 | 11.143 | 1104 |
| 12/31/2012                                             | 11.598 | 12.739 | 13862 |   | 12/31/2012 | 11.143 | 12.165 | 1029 |
| 12/31/2013                                             | 12.739 | 14.001 | 19302 |   | 12/31/2013 | 12.165 | 13.290 | 1199 |
| AZL MVP Fusion Conservative Fund                       |
| 12/31/2009                                             | N/A | 10.154 | 80 |   | 12/31/2009 | N/A | 10.142 | 2 |
| 12/31/2010                                             | 10.154 | 11.111 | 1982 |   | 12/31/2010 | 10.142 | 11.031 | 169 |
| 12/31/2011                                             | 11.111 | 11.027 | 4489 |   | 12/31/2011 | 11.031 | 10.883 | 309 |
| 12/31/2012                                             | 11.027 | 12.098 | 5304 |   | 12/31/2012 | 10.883 | 11.868 | 375 |
| 12/31/2013                                             | 12.098 | 12.880 | 4805 |   | 12/31/2013 | 11.868 | 12.560 | 296 |
| AZL MVP Fusion Growth Fund                             |
| 12/31/2007                                             | N/A | 12.813 | 1535 |   | 12/31/2007 | N/A | 12.609 | 485 |
| 12/31/2008                                             | 12.813 | 7.715 | 1797 |   | 12/31/2008 | 12.609 | 7.547 | 581 |
| 12/31/2009                                             | 7.715 | 10.057 | 379 |   | 12/31/2009 | 7.547 | 9.779 | 132 |
| 12/31/2010                                             | 10.057 | 11.197 | 416 |   | 12/31/2010 | 9.779 | 10.822 | 187 |
| 12/31/2011                                             | 11.197 | 10.553 | 656 |   | 12/31/2011 | 10.822 | 10.138 | 222 |
| 12/31/2012                                             | 10.553 | 11.788 | 1118 |   | 12/31/2012 | 10.138 | 11.257 | 208 |
| 12/31/2013                                             | 11.788 | 13.844 | 1180 |   | 12/31/2013 | 11.257 | 13.142 | 200 |
| AZL MVP Fusion Moderate Fund                           |
| 12/31/2007                                             | N/A | 12.396 | 1150 |   | 12/31/2007 | N/A | 12.199 | 101 |
| 12/31/2008                                             | 12.396 | 8.219 | 1197 |   | 12/31/2008 | 12.199 | 8.040 | 149 |
| 12/31/2009                                             | 8.219 | 10.490 | 4499 |   | 12/31/2009 | 8.040 | 10.200 | 555 |
| 12/31/2010                                             | 10.490 | 11.559 | 24406 |   | 12/31/2010 | 10.200 | 11.172 | 2033 |
| 12/31/2011                                             | 11.559 | 11.075 | 40027 |   | 12/31/2011 | 11.172 | 10.640 | 2690 |
| 12/31/2012                                             | 11.075 | 12.289 | 41545 |   | 12/31/2012 | 10.640 | 11.735 | 2739 |
| 12/31/2013                                             | 12.289 | 13.956 | 51310 |   | 12/31/2013 | 11.735 | 13.248 | 3037 |
| AZL MVP Growth Index Strategy Fund                     |
| 12/31/2012                                             | N/A | 10.947 | 10750 |   | 12/31/2012 | N/A | 10.883 | 401 |
| 12/31/2013                                             | 10.947 | 13.046 | 18999 |   | 12/31/2013 | 10.883 | 12.892 | 788 |
| AZL MVP Invesco Equity and Income Fund                 |
| 12/31/2012                                             | N/A | 10.741 | 3425 |   | 12/31/2012 | N/A | 10.678 | 144 |
| 12/31/2013                                             | 10.741 | 13.121 | 7332 |   | 12/31/2013 | 10.678 | 12.966 | 360 |

----

| AZL Oppenheimer Discovery Fund              |
|---------------------------------------------|
| 12/31/2007                                  | N/A | 12.772 | 35 |   | 12/31/2007 | N/A | 12.569 | 8 |
| 12/31/2008                                  | 12.772 | 7.135 | 48 |   | 12/31/2008 | 12.569 | 6.979 | 13 |
| 12/31/2009                                  | 7.135 | 9.244 | 17 |   | 12/31/2009 | 6.979 | 8.989 | 9 |
| 12/31/2010                                  | 9.244 | 11.744 | 155 |   | 12/31/2010 | 8.989 | 11.351 | 8 |
| 12/31/2011                                  | 11.744 | 10.957 | 206 |   | 12/31/2011 | 11.351 | 10.526 | 15 |
| 12/31/2012                                  | 10.957 | 12.600 | 311 |   | 12/31/2012 | 10.526 | 12.033 | 20 |
| 12/31/2013                                  | 12.600 | 18.081 | 417 |   | 12/31/2013 | 12.033 | 17.163 | 25 |
| AZL Pyramis Core Bond Fund                  |
| 12/31/2012                                  | N/A | 10.015 | 84 |   | 12/31/2012 | N/A | 9.996 | 94 |
| 12/31/2013                                  | 10.015 | 9.659 | 428 |   | 12/31/2013 | 9.996 | 9.583 | 19 |
| AZL S&P 500 Index Fund                  |
| 12/31/2007                                  | N/A | 9.882 | 184 |   | 12/31/2007 | N/A | 9.842 | 29 |
| 12/31/2008                                  | 9.882 | 6.079 | 316 |   | 12/31/2008 | 9.842 | 6.018 | 155 |
| 12/31/2009                                  | 6.079 | 7.514 | 623 |   | 12/31/2009 | 6.018 | 7.394 | 95 |
| 12/31/2010                                  | 7.514 | 8.489 | 1117 |   | 12/31/2010 | 7.394 | 8.304 | 90 |
| 12/31/2011                                  | 8.489 | 8.502 | 1998 |   | 12/31/2011 | 8.304 | 8.267 | 167 |
| 12/31/2012                                  | 8.502 | 9.675 | 3657 |   | 12/31/2012 | 8.267 | 9.351 | 253 |
| 12/31/2013                                  | 9.675 | 12.561 | 4673 |   | 12/31/2013 | 9.351 | 12.068 | 279 |
| AZL Schroder Emerging Markets Equity Fund   |
| 12/31/2007                                  | N/A | 13.455 | 392 |   | 12/31/2007 | N/A | 13.321 | 107 |
| 12/31/2008                                  | 13.455 | 6.384 | 584 |   | 12/31/2008 | 13.321 | 6.282 | 146 |
| 12/31/2009                                  | 6.384 | 10.813 | 153 |   | 12/31/2009 | 6.282 | 10.577 | 80 |
| 12/31/2010                                  | 10.813 | 11.985 | 605 |   | 12/31/2010 | 10.577 | 11.654 | 109 |
| 12/31/2011                                  | 11.985 | 9.778 | 1179 |   | 12/31/2011 | 11.654 | 9.450 | 109 |
| 12/31/2012                                  | 9.778 | 11.670 | 1152 |   | 12/31/2012 | 9.450 | 11.211 | 105 |
| 12/31/2013                                  | 11.670 | 11.266 | 911 |   | 12/31/2013 | 11.211 | 10.758 | 102 |
| AZL Small Cap Stock Index Fund              |
| 12/31/2007                                  | N/A | 9.329 | 122 |   | 12/31/2007 | N/A | 9.292 | 14 |
| 12/31/2008                                  | 9.329 | 6.353 | 177 |   | 12/31/2008 | 9.292 | 6.289 | 17 |
| 12/31/2009                                  | 6.353 | 7.821 | 70 |   | 12/31/2009 | 6.289 | 7.696 | 9 |
| 12/31/2010                                  | 7.821 | 9.678 | 280 |   | 12/31/2010 | 7.696 | 9.467 | 17 |
| 12/31/2011                                  | 9.678 | 9.571 | 547 |   | 12/31/2011 | 9.467 | 9.307 | 33 |
| 12/31/2012                                  | 9.571 | 10.930 | 910 |   | 12/31/2012 | 9.307 | 10.564 | 53 |
| 12/31/2013                                  | 10.930 | 15.156 | 635 |   | 12/31/2013 | 10.564 | 14.561 | 40 |
| AZL T. Rowe Price Capital Appreciation Fund |
| 12/31/2007                                  | N/A | 13.555 | 259 |   | 12/31/2007 | N/A | 13.062 | 98 |
| 12/31/2008                                  | 13.555 | 7.952 | 394 |   | 12/31/2008 | 13.062 | 7.618 | 93 |
| 12/31/2009                                  | 7.952 | 10.338 | 219 |   | 12/31/2009 | 7.618 | 9.843 | 87 |
| 12/31/2010                                  | 10.338 | 11.422 | 782 |   | 12/31/2010 | 9.843 | 10.811 | 76 |
| 12/31/2011                                  | 11.422 | 10.791 | 1358 |   | 12/31/2011 | 10.811 | 10.152 | 88 |
| 12/31/2012                                  | 10.791 | 11.951 | 1785 |   | 12/31/2012 | 10.152 | 11.176 | 114 |
| 12/31/2013                                  | 11.951 | 15.314 | 1977 |   | 12/31/2013 | 11.176 | 14.235 | 95 |
| BlackRock Global Allocation V.I. Fund       |
| 12/31/2008                                  | N/A | 7.919 | 152 |   | 12/31/2008 | N/A | 7.888 | 110 |
| 12/31/2009                                  | 7.919 | 9.443 | 3219 |   | 12/31/2009 | 7.888 | 9.349 | 641 |
| 12/31/2010                                  | 9.443 | 10.220 | 25882 |   | 12/31/2010 | 9.349 | 10.058 | 2193 |
| 12/31/2011                                  | 10.220 | 9.712 | 53597 |   | 12/31/2011 | 10.058 | 9.500 | 3345 |
| 12/31/2012                                  | 9.712 | 10.530 | 58815 |   | 12/31/2012 | 9.500 | 10.239 | 3444 |
| 12/31/2013                                  | 10.530 | 11.881 | 57252 |   | 12/31/2013 | 10.239 | 11.483 | 2994 |
| Davis VA Financial Portfolio                |
| 12/31/2007                                  | N/A | 15.832 | 42 |   | 12/31/2007 | N/A | 15.097 | 11 |
| 12/31/2008                                  | 15.832 | 8.373 | 79 |   | 12/31/2008 | 15.097 | 7.937 | 19 |
| 12/31/2009                                  | 8.373 | 11.657 | 33 |   | 12/31/2009 | 7.937 | 10.983 | 15 |
| 12/31/2010                                  | 11.657 | 12.771 | 22 |   | 12/31/2010 | 10.983 | 11.961 | 7 |
| 12/31/2011                                  | 12.771 | 11.592 | 17 |   | 12/31/2011 | 11.961 | 10.792 | 6 |
| 12/31/2012                                  | 11.592 | 13.582 | 13 |   | 12/31/2012 | 10.792 | 12.568 | 7 |
| 12/31/2013                                  | 13.582 | 17.580 | 12 |   | 12/31/2013 | 12.568 | 16.170 | 19 |

----

| Fidelity VIP FundsManager 50% Portfolio      |
|----------------------------------------------|
| 12/31/2011                                   | N/A | 10.780 | 672 |   | 12/31/2011 | N/A | 10.416 | 34 |
| 12/31/2012                                   | 10.780 | 11.705 | 872 |   | 12/31/2012 | 10.416 | 11.242 | 44 |
| 12/31/2013                                   | 11.705 | 13.235 | 855 |   | 12/31/2013 | 11.242 | 12.635 | 53 |
| Fidelity VIP FundsManager 60% Portfolio      |
| 12/31/2011                                   | N/A | 9.691 | 1620 |   | 12/31/2011 | N/A | 9.440 | 103 |
| 12/31/2012                                   | 9.691 | 10.651 | 2209 |   | 12/31/2012 | 9.440 | 10.313 | 122 |
| 12/31/2013                                   | 10.651 | 12.434 | 2849 |   | 12/31/2013 | 10.313 | 11.969 | 145 |
| Franklin Founding Funds Allocation VIP Fund  |
| 12/31/2007                                   | N/A | 9.246 | 450 |   | 12/31/2007 | N/A | 9.219 | 39 |
| 12/31/2008                                   | 9.246 | 5.847 | 589 |   | 12/31/2008 | 9.219 | 5.795 | 175 |
| 12/31/2009                                   | 5.847 | 7.510 | 259 |   | 12/31/2009 | 5.795 | 7.398 | 33 |
| 12/31/2010                                   | 7.510 | 8.165 | 437 |   | 12/31/2010 | 7.398 | 7.995 | 144 |
| 12/31/2011                                   | 8.165 | 7.927 | 598 |   | 12/31/2011 | 7.995 | 7.716 | 107 |
| 12/31/2012                                   | 7.927 | 9.015 | 535 |   | 12/31/2012 | 7.716 | 8.722 | 103 |
| 12/31/2013                                   | 9.015 | 11.003 | 394 |   | 12/31/2013 | 8.722 | 10.582 | 91 |
| Franklin High Income VIP Fund                |
| 12/31/2007                                   | N/A | 25.387 | 62 |   | 12/31/2007 | N/A | 22.658 | 18 |
| 12/31/2008                                   | 25.387 | 19.180 | 61 |   | 12/31/2008 | 22.658 | 17.016 | 17 |
| 12/31/2009                                   | 19.180 | 26.989 | 161 |   | 12/31/2009 | 17.016 | 23.801 | 26 |
| 12/31/2010                                   | 26.989 | 30.142 | 857 |   | 12/31/2010 | 23.801 | 26.423 | 89 |
| 12/31/2011                                   | 30.142 | 31.080 | 1299 |   | 12/31/2011 | 26.423 | 27.082 | 114 |
| 12/31/2012                                   | 31.080 | 35.414 | 1218 |   | 12/31/2012 | 27.082 | 30.673 | 110 |
| 12/31/2013                                   | 35.414 | 37.655 | 1157 |   | 12/31/2013 | 30.673 | 32.419 | 91 |
| Franklin Income VIP Fund                     |
| 12/31/2007                                   | N/A | 48.490 | 437 |   | 12/31/2007 | N/A | 43.279 | 97 |
| 12/31/2008                                   | 48.490 | 33.635 | 450 |   | 12/31/2008 | 43.279 | 29.840 | 65 |
| 12/31/2009                                   | 33.635 | 44.972 | 73 |   | 12/31/2009 | 29.840 | 39.660 | 15 |
| 12/31/2010                                   | 44.972 | 49.967 | 81 |   | 12/31/2010 | 39.660 | 43.801 | 13 |
| 12/31/2011                                   | 49.967 | 50.449 | 608 |   | 12/31/2011 | 43.801 | 43.959 | 27 |
| 12/31/2012                                   | 50.449 | 56.037 | 2293 |   | 12/31/2012 | 43.959 | 48.535 | 110 |
| 12/31/2013                                   | 56.037 | 62.962 | 2938 |   | 12/31/2013 | 48.535 | 54.206 | 119 |
| Franklin Mutual Shares VIP Fund              |
| 12/31/2007                                   | N/A | 24.148 | 677 |   | 12/31/2007 | N/A | 22.584 | 182 |
| 12/31/2008                                   | 24.148 | 14.975 | 744 |   | 12/31/2008 | 22.584 | 13.922 | 140 |
| 12/31/2009                                   | 14.975 | 18.614 | 116 |   | 12/31/2009 | 13.922 | 17.201 | 30 |
| 12/31/2010                                   | 18.614 | 20.410 | 316 |   | 12/31/2010 | 17.201 | 18.747 | 32 |
| 12/31/2011                                   | 20.410 | 19.917 | 691 |   | 12/31/2011 | 18.747 | 18.186 | 56 |
| 12/31/2012                                   | 19.917 | 22.436 | 1090 |   | 12/31/2012 | 18.186 | 20.362 | 94 |
| 12/31/2013                                   | 22.436 | 28.376 | 1258 |   | 12/31/2013 | 20.362 | 25.600 | 75 |
| Franklin U.S. Government Securities VIP Fund |
| 12/31/2007                                   | N/A | 26.205 | 33 |   | 12/31/2007 | N/A | 23.408 | 12 |
| 12/31/2008                                   | 26.205 | 27.800 | 57 |   | 12/31/2008 | 23.408 | 24.684 | 38 |
| 12/31/2009                                   | 27.800 | 28.262 | 84 |   | 12/31/2009 | 24.684 | 24.944 | 18 |
| 12/31/2010                                   | 28.262 | 29.342 | 490 |   | 12/31/2010 | 24.944 | 25.742 | 78 |
| 12/31/2011                                   | 29.342 | 30.578 | 1207 |   | 12/31/2011 | 25.742 | 26.666 | 119 |
| 12/31/2012                                   | 30.578 | 30.720 | 1566 |   | 12/31/2012 | 26.666 | 26.629 | 177 |
| 12/31/2013                                   | 30.720 | 29.615 | 1740 |   | 12/31/2013 | 26.629 | 25.517 | 151 |
| PIMCO EqS Pathfinder Portfolio               |
| 12/31/2010                                   | N/A | 10.337 | 39 |   | 12/31/2010 | N/A | 10.295 | 2 |
| 12/31/2011                                   | 10.337 | 9.713 | 1369 |   | 12/31/2011 | 10.295 | 9.616 | 102 |
| 12/31/2012                                   | 9.713 | 10.513 | 1377 |   | 12/31/2012 | 9.616 | 10.345 | 112 |
| 12/31/2013                                   | 10.513 | 12.357 | 1190 |   | 12/31/2013 | 10.345 | 12.087 | 82 |

----

| PIMCO VIT All Asset Portfolio                             |
|-----------------------------------------------------------|
| 12/31/2007                                                | N/A | 12.953 | 73 |   | 12/31/2007 | N/A | 12.670 | 8 |
| 12/31/2008                                                | 12.953 | 10.749 | 91 |   | 12/31/2008 | 12.670 | 10.451 | 30 |
| 12/31/2009                                                | 10.749 | 12.886 | 470 |   | 12/31/2009 | 10.451 | 12.455 | 47 |
| 12/31/2010                                                | 12.886 | 14.370 | 3073 |   | 12/31/2010 | 12.455 | 13.806 | 282 |
| 12/31/2011                                                | 14.370 | 14.448 | 5712 |   | 12/31/2011 | 13.806 | 13.798 | 375 |
| 12/31/2012                                                | 14.448 | 16.375 | 8859 |   | 12/31/2012 | 13.798 | 15.544 | 626 |
| 12/31/2013                                                | 16.375 | 16.192 | 9108 |   | 12/31/2013 | 15.544 | 15.278 | 498 |
| PIMCO VIT CommodityRealReturn Strategy Portfolio          |
| 12/31/2007                                                | N/A | 12.816 | 100 |   | 12/31/2007 | N/A | 12.612 | 14 |
| 12/31/2008                                                | 12.816 | 7.103 | 216 |   | 12/31/2008 | 12.612 | 6.948 | 59 |
| 12/31/2009                                                | 7.103 | 9.913 | 118 |   | 12/31/2009 | 6.948 | 9.639 | 44 |
| 12/31/2010                                                | 9.913 | 12.173 | 458 |   | 12/31/2010 | 9.639 | 11.765 | 99 |
| 12/31/2011                                                | 12.173 | 11.097 | 1032 |   | 12/31/2011 | 11.765 | 10.661 | 159 |
| 12/31/2012                                                | 11.097 | 11.531 | 1018 |   | 12/31/2012 | 10.661 | 11.012 | 141 |
| 12/31/2013                                                | 11.531 | 9.700 | 943 |   | 12/31/2013 | 11.012 | 9.207 | 115 |
| PIMCO VIT Emerging Markets Bond Portfolio                 |
| 12/31/2007                                                | N/A | 12.287 | 67 |   | 12/31/2007 | N/A | 12.091 | 30 |
| 12/31/2008                                                | 12.287 | 10.347 | 73 |   | 12/31/2008 | 12.091 | 10.122 | 27 |
| 12/31/2009                                                | 10.347 | 13.324 | 300 |   | 12/31/2009 | 10.122 | 12.956 | 61 |
| 12/31/2010                                                | 13.324 | 14.738 | 2224 |   | 12/31/2010 | 12.956 | 14.245 | 275 |
| 12/31/2011                                                | 14.738 | 15.454 | 3367 |   | 12/31/2011 | 14.245 | 14.847 | 297 |
| 12/31/2012                                                | 15.454 | 17.966 | 3265 |   | 12/31/2012 | 14.847 | 17.157 | 269 |
| 12/31/2013                                                | 17.966 | 16.482 | 3318 |   | 12/31/2013 | 17.157 | 15.645 | 247 |
| PIMCO VIT Global Advantage Strategy Bond Portfolio        |
| 12/31/2011                                                | N/A | 9.814 | 896 |   | 12/31/2011 | N/A | 9.774 | 55 |
| 12/31/2012                                                | 9.814 | 10.276 | 2190 |   | 12/31/2012 | 9.774 | 10.173 | 139 |
| 12/31/2013                                                | 10.276 | 9.814 | 2941 |   | 12/31/2013 | 10.173 | 9.658 | 170 |
| PIMCO VIT Global Bond Portfolio (Unhedged)                |
| 12/31/2007                                                | N/A | 10.440 | 102 |   | 12/31/2007 | N/A | 10.274 | 48 |
| 12/31/2008                                                | 10.440 | 10.208 | 143 |   | 12/31/2008 | 10.274 | 9.985 | 61 |
| 12/31/2009                                                | 10.208 | 11.763 | 171 |   | 12/31/2009 | 9.985 | 11.438 | 85 |
| 12/31/2010                                                | 11.763 | 12.952 | 1154 |   | 12/31/2010 | 11.438 | 12.519 | 151 |
| 12/31/2011                                                | 12.952 | 13.740 | 1692 |   | 12/31/2011 | 12.519 | 13.201 | 180 |
| 12/31/2012                                                | 13.740 | 14.489 | 1638 |   | 12/31/2012 | 13.201 | 13.837 | 158 |
| 12/31/2013                                                | 14.489 | 13.077 | 1769 |   | 12/31/2013 | 13.837 | 12.413 | 154 |
| PIMCO VIT Global Multi-Asset Managed Allocation Portfolio |
| 12/31/2009                                                | N/A | 10.011 | 325 |   | 12/31/2009 | N/A | 9.999 | 72 |
| 12/31/2010                                                | 10.011 | 10.992 | 4428 |   | 12/31/2010 | 9.999 | 10.914 | 407 |
| 12/31/2011                                                | 10.992 | 10.652 | 9440 |   | 12/31/2011 | 10.914 | 10.513 | 651 |
| 12/31/2012                                                | 10.652 | 11.435 | 10795 |   | 12/31/2012 | 10.513 | 11.218 | 633 |
| 12/31/2013                                                | 11.435 | 10.389 | 10089 |   | 12/31/2013 | 11.218 | 10.131 | 554 |
| PIMCO VIT Global Multi-Asset Managed Volatility Portfolio |
| 12/31/2012                                                | N/A | 10.237 | 1636 |   | 12/31/2012 | N/A | 10.196 | 66 |
| 12/31/2013                                                | 10.237 | 9.477 | 3124 |   | 12/31/2013 | 10.196 | 9.382 | 113 |
| PIMCO VIT High Yield Portfolio                            |
| 12/31/2007                                                | N/A | 14.297 | 57 |   | 12/31/2007 | N/A | 13.634 | 13 |
| 12/31/2008                                                | 14.297 | 10.779 | 61 |   | 12/31/2008 | 13.634 | 10.217 | 19 |
| 12/31/2009                                                | 10.779 | 14.927 | 383 |   | 12/31/2009 | 10.217 | 14.064 | 36 |
| 12/31/2010                                                | 14.927 | 16.855 | 1929 |   | 12/31/2010 | 14.064 | 15.785 | 177 |
| 12/31/2011                                                | 16.855 | 17.180 | 4387 |   | 12/31/2011 | 15.785 | 15.994 | 301 |
| 12/31/2012                                                | 17.180 | 19.367 | 8351 |   | 12/31/2012 | 15.994 | 17.922 | 488 |
| 12/31/2013                                                | 19.367 | 20.195 | 10693 |   | 12/31/2013 | 17.922 | 18.576 | 613 |

----

| PIMCO VIT Real Return Portfolio        |
|----------------------------------------|
| 12/31/2007                             | N/A | 12.324 | 78 |   | 12/31/2007 | N/A | 11.983 | 17 |
| 12/31/2008                             | 12.324 | 11.295 | 140 |   | 12/31/2008 | 11.983 | 10.917 | 83 |
| 12/31/2009                             | 11.295 | 13.187 | 293 |   | 12/31/2009 | 10.917 | 12.669 | 121 |
| 12/31/2010                             | 13.187 | 14.058 | 1884 |   | 12/31/2010 | 12.669 | 13.425 | 336 |
| 12/31/2011                             | 14.058 | 15.482 | 4419 |   | 12/31/2011 | 13.425 | 14.697 | 659 |
| 12/31/2012                             | 15.482 | 16.603 | 7847 |   | 12/31/2012 | 14.697 | 15.667 | 729 |
| 12/31/2013                             | 16.603 | 14.863 | 7946 |   | 12/31/2013 | 15.667 | 13.941 | 613 |
| PIMCO VIT Total Return Portfolio       |
| 12/31/2007                             | N/A | 14.986 | 208 |   | 12/31/2007 | N/A | 14.29 | 24 |
| 12/31/2008                             | 14.986 | 15.486 | 263 |   | 12/31/2008 | 14.290 | 14.679 | 90 |
| 12/31/2009                             | 15.486 | 17.420 | 620 |   | 12/31/2009 | 14.679 | 16.413 | 168 |
| 12/31/2010                             | 17.420 | 18.572 | 4986 |   | 12/31/2010 | 16.413 | 17.393 | 574 |
| 12/31/2011                             | 18.572 | 18.976 | 9053 |   | 12/31/2011 | 17.393 | 17.666 | 887 |
| 12/31/2012                             | 18.976 | 20.507 | 14200 |   | 12/31/2012 | 17.666 | 18.977 | 997 |
| 12/31/2013                             | 20.507 | 19.825 | 15351 |   | 12/31/2013 | 18.977 | 18.236 | 929 |
| PIMCO VIT Unconstrained Bond Portfolio |
| 12/31/2011                             | N/A | 9.802 | 1254 |   | 12/31/2011 | N/A | 9.763 | 41 |
| 12/31/2012                             | 9.802 | 10.414 | 3929 |   | 12/31/2012 | 9.763 | 10.310 | 115 |
| 12/31/2013                             | 10.414 | 10.154 | 6945 |   | 12/31/2013 | 10.310 | 9.993 | 145 |
| Templeton Global Bond VIP Fund         |
| 12/31/2007                             | N/A | 32.376 | 113 |   | 12/31/2007 | N/A | 29.016 | 13 |
| 12/31/2008                             | 32.376 | 33.906 | 120 |   | 12/31/2008 | 29.016 | 30.205 | 18 |
| 12/31/2009                             | 33.906 | 39.681 | 193 |   | 12/31/2009 | 30.205 | 35.138 | 27 |
| 12/31/2010                             | 39.681 | 44.783 | 1208 |   | 12/31/2010 | 35.138 | 39.418 | 169 |
| 12/31/2011                             | 44.783 | 43.777 | 3004 |   | 12/31/2011 | 39.418 | 38.303 | 304 |
| 12/31/2012                             | 43.777 | 49.669 | 4617 |   | 12/31/2012 | 38.303 | 43.196 | 371 |
| 12/31/2013                             | 49.669 | 49.776 | 5715 |   | 12/31/2013 | 43.196 | 43.031 | 351 |
| Templeton Growth VIP Fund              |
| 12/31/2007                             | N/A | 29.538 | 482 |   | 12/31/2007 | N/A | 27.19 | 71 |
| 12/31/2008                             | 29.538 | 16.799 | 542 |   | 12/31/2008 | 27.190 | 15.371 | 76 |
| 12/31/2009                             | 16.799 | 21.718 | 113 |   | 12/31/2009 | 15.371 | 19.753 | 12 |
| 12/31/2010                             | 21.718 | 23.000 | 214 |   | 12/31/2010 | 19.753 | 20.793 | 17 |
| 12/31/2011                             | 23.000 | 21.099 | 510 |   | 12/31/2011 | 20.793 | 18.961 | 39 |
| 12/31/2012                             | 21.099 | 25.187 | 782 |   | 12/31/2012 | 18.961 | 22.498 | 43 |
| 12/31/2013                             | 25.187 | 32.491 | 926 |   | 12/31/2013 | 22.498 | 28.849 | 52 |

|   |   |
|--------|--------|

----

|   | APPENDIX C – EFFECTS OF PARTIAL WITHDRAWALS AND LIFETIME PAYMENTS ON THE VALUES AVAILABLE UNDER THE CONTRACT |
|--------|--------------------------------------------------------------------------------------------------------------------|

| Partial Withdrawal  | Contract Value | Total Income Value (Income Focus) and Traditional Death Benefit Value | Benefit Base (Income Protector)      | Rider Anniversary Value(Investment Protector) | Quarterly Anniversary Value(Quarterly Value Death Benefit) |
|---------------------|----------------|-----------------------------------------------------------------------|--------------------------------------|-----------------------------------------------|------------------------------------------------------------|
| Prior to withdrawal | $ 100,000      | $ 90,000                                                              | $104,040                             | $100,000                                      | $102,000                                                   |
| $5,000 withdrawal   |           | –[($5,000/ 100,000) x 114,000)                                  | –[($5,000/ 100,000) x 114,000) | –[($5,000/ 100,000) x 114,000)          | –[($5,000/ 100,000)                                  |
|                |           | x  90,000)]                                                 | x 104,040)]                          | x 100,000)]                                   | X 102,000)]                                                |
|                | – $5,000 |  =– $4,500                                                 |  =– $5,202                |  =– $5,000                         |  =– $5,100                                      |
| After withdrawal    | $ 95,000       | $ 85,500                                                              | $ 98,838                             | $ 95,000                                      | $ 96,900                                                   |

| Lifetime Plus Payment | Contract Value | Traditional Death Benefit Value | Benefit Base | Income Focus Payment | Contract Value | Traditional Death Benefit Value | Income Value |
|-----------------------|----------------|---------------------------------|--------------|----------------------|----------------|---------------------------------|--------------|
| Before payment        | $ 97,000       | $ 85,500                        | $ 120,000    | Before payment       | $ 97,000       | $ 85,500                        | $ 85,500     |
| $4,800 payment        |           | –[($4,800/ 97,000)        |         | $5,344 payment       |           | –[($5,344/ 97,000)        |         |
|                  |           | x 85,500)] =                    |         |                 |           | x 85,500)] =                    |         |
|                  | – $4,800 | – $4,231                  | no change    |                 | – $5,344 | – $4,710                  | no change    |
| After payment         | $ 92,200       | $ 81,269                        | $ 120,000    | After payment        | $ 91,656       | $ 80,790                        | $ 85,500     |

----

| Excess Withdrawal   | Contract Value | Traditional Death Benefit Value | Benefit Base             | Next anniverary’s annual maximum Lifetime Plus Payment | Income Value             | Next anniverary’s annual maximum Income Focus Payment |
|---------------------|----------------|---------------------------------|--------------------------|-------------------------------------------------------------------|--------------------------|------------------------------------------------------------------|
| Prior to withdrawal | $ 92,000       | $ 81,269                        | $ 120,000                | $ 4,800                                                           | $ 85,500                 | $ 5,344                                                          |
| $5,000 withdrawal   |           | –[($5,000/ 92,000)        | –[($5,000/ 92,000) | –[($5,000/ 92,000)                                          | –[($5,000/ 92,000) | –[($5,000/ 92,000)                                         |
|                |           | x 81,269)]                      | x 120,000)]              | x 4,800)]                                                         | x 85,500                 | x 5,344)]                                                        |
|                | – $5,000 |  =– $4,417           |  =– $6,522    |  =– $261                                               |  =– $4,647    |  =– $290                                              |
| After withdrawal    | $ 87,000       | $ 76,852                        | $ 113,478                | $ 4,539                                                           | $ 80,853                 | $ 5,054                                                          |

|   | APPENDIX D – LIFETIME BENEFITS |
|--------|--------------------------------------|

| Optional Lifetime Benefits                          | ContractVersion                                  | Available Dates | Current Additional M&E Charge(1)(as a percentage of each Investment Options’ net asset value) | MaximumAdditionalM&E Charge(1)(as a percentage of each Investment Options’net asset value) |
|-----------------------------------------------------|--------------------------------------------------|-----------------|---------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|
| No qualifying event, or declined charge increase(2) | Had a qualifying event and accepted increase(2)  |
|                                                | Lifetime Plus Benefit(3)                         | A               | 5/1/2007 to 1/23/2009                                                                                   |                                                                                                 |   |   |
|                                                | Single Lifetime Plus Payments                    |            |                                                                                                    | 0.70%                                                                                                | 1.20% | 1.50%(4) |
|                                                | Joint Lifetime Plus Payments                     |            |                                                                                                    | 0.85%                                                                                                | 1.35% | 1.65%(5) |
|                                                | Lifetime Plus II BenefitLifetime Plus 10 Benefit | AA              | 1/26/2009 to 3/31/20091/26/2009 to 3/31/2009                                                            |                                                                                                 |   |   |
|                                                | Single Lifetime Plus Payments                    |            |                                                                                                    | 0.95%                                                                                                | 1.20% | 1.60%(4) |
|                                                | Joint Lifetime Plus Payments                     |            |                                                                                                    | 1.10%                                                                                                | 1.35% | 1.75%(5) |
|                                                | Lifetime Plus II BenefitLifetime Plus 10 Benefit | AA              | 11/12/2007 to 1/23/20097/17/2008 to 1/23/2009                                                           |                                                                                                 |   |   |
|                                                | Single Lifetime Plus Payments                    |            |                                                                                                    | 0.80%(6)                                                                                             | 1.20%(8) | 1.60%(5) |
|                                                | Joint Lifetime Plus Payments                     |            |                                                                                                    | 0.95%(7)                                                                                             | 1.35%(9) | 1.75%(6) |

| (1) | We assess the additional M&E charge for these optional benefits during the Accumulation Phase while your benefit is in effect and your Contract Value is positive. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | A qualifying event is the reset of a Lifetime Benefit’s Annual Increase, or an automatic annual Lifetime Plus Payment increase, that occurred on or after April 29, 2013. If you have had an annual payment increase, your additional M&E charge does not change until the next fifth Benefit Anniversary. If you have had a qualifying event, you can decline this increase to the additional M&E charge as discussed in this appendix. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (3) | From January 26, 2009 until March 31, 2009, this benefit was only available in Nevada and it did not include the Cumulative Withdrawal Benefit. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------|

| (4) | This is the maximum charge we could impose if you remove a Covered Person or have a qualifying event. |
|-----|-------------------------------------------------------------------------------------------------------|

| (5) | This is the maximum charge we could impose if you have a qualifying event. |
|-----|----------------------------------------------------------------------------|

| (6) | On the Benefit Date, the M&E charge reduces to 0.70% and the maximum M&E charge reduces to 1.50%. |
|-----|-----------------------------------------------------------------------------------------------------------|

| (7) | On the Benefit Date, the M&E charge reduces to 0.85% and the maximum M&E charge reduces to 1.65%. |
|-----|-----------------------------------------------------------------------------------------------------------|

| (8) | On the Benefit Date, the M&E charge reduces to 1.10% and the maximum M&E charge reduces to 1.50%. |
|-----|-----------------------------------------------------------------------------------------------------------|

| (9) | On the Benefit Date, the M&E charge reduces to 1.25% and the maximum M&E charge reduces to 1.65%. |
|-----|-----------------------------------------------------------------------------------------------------------|

----

| · | If you do not begin receiving Lifetime Plus Payments during the eligibility period, your benefit ends and you will have paid for the benefit without receiving any of its advantages. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Joint Lifetime Plus Payments are not available under Lifetime Plus Benefit or Lifetime Plus II Benefit if there is more than a 40-year age difference between spouses. Joint Lifetime Plus Payments are not available under Lifetime Plus 10 Benefit if there is more than a 25-year age difference between spouses. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Lifetime Benefits do not create Contract Value or guarantee the performance of any Investment Option. |
|--------|-------------------------------------------------------------------------------------------------------|

| · | If you have the No Withdrawal Charge Option, you can only remove a Lifetime Benefit as discussed under “Removing a Lifetime Benefit.” |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We restrict Contract Value allocations and transfers, and rebalance your Contract Value quarterly. These restrictions support the benefit’s guarantees, and to the extent they limit your investment flexibility, they may limit the upside potential to your Contract Value and Benefit Base. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If your Lifetime Benefit includes the Cumulative Withdrawal Benefit(1) and you take less than the annual maximum Lifetime Plus Payment, you may not receive an annual payment increase. Allocations to the Cumulative Withdrawal Benefit (the difference between your annual maximum Lifetime Plus Payment and the annual actual Lifetime Plus Payment you receive) do not earn interest or participate in your selected Investment Options’ performance, and are not available to your Beneficiaries(2) upon death. (See the “Cumulative Withdrawal Benefit” discussion later in this appendix.) |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (1) | The Cumulative Withdrawal Benefit was not available in Nevada. |
|-----|----------------------------------------------------------------|

| (2) | If you selected joint Lifetime Plus Payments and the surviving spouse who is also the joint Covered Person continues the Contract, the Cumulative Withdrawal Value is available to your spouse. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For the flexible rebalancing program: The program is not available while your Lifetime Benefit is in effect. However, you can participate in the flexible rebalancing program after the rider termination date if you remove a Lifetime Benefit from your Contract. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For partial withdrawals: You cannot take a partial withdrawal from specific Investment Options if you have a Lifetime Benefit. |
|--------|--------------------------------------------------------------------------------------------------------------------------------|

----

| · | taking an Excess Withdrawal of the total Contract Value (your Contract Value must be greater than the Cumulative Withdrawal Value*); or |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------|

| · | requesting a Full Annuitization. |
|--------|----------------------------------|

| * | The Cumulative Withdrawal Benefit was not available in Nevada. |
|---|----------------------------------------------------------------|

| · | solely owned Contracts, the Covered Person is the Owner. |
|--------|----------------------------------------------------------|

| · | jointly owned Contracts, you can choose which Owner is the Covered Person. |
|--------|----------------------------------------------------------------------------|

| · | Contracts owned by a non-individual, the Covered Person is the Annuitant. |
|--------|---------------------------------------------------------------------------|

|   | For joint Lifetime Plus Payments, Covered Persons must be spouses and: |
|--------|------------------------------------------------------------------------|

| · | Non-Qualified Contracts: |
|--------|--------------------------|

|   | – | spouses must be Joint Owners; or |
|--------|---------|----------------------------------|

|   | – | one spouse must be the Annuitant and the other spouse must be the sole primary Beneficiary if the sole Owner is a non-individual; or |
|--------|---------|--------------------------------------------------------------------------------------------------------------------------------------|

|   | – | one spouse must be the sole Owner and Annuitant and the other spouse must be the sole primary Beneficiary. |
|--------|---------|------------------------------------------------------------------------------------------------------------|

| · | Qualified Contracts: |
|--------|----------------------|

|   | – | one spouse must be the sole Owner and Annuitant and the other spouse must be the sole primary Beneficiary; or |
|--------|---------|---------------------------------------------------------------------------------------------------------------|

|   | – | if the owner is a non-individual, then one spouse must be the Annuitant and the other spouse must be the sole primary Beneficiary; or |
|--------|---------|---------------------------------------------------------------------------------------------------------------------------------------|

|   | – | if the owner is a non-individual and we require the non-individual Owner to also be the sole primary Beneficiary, then one spouse must be the Annuitant and the other spouse must be the sole contingent Beneficiary. |
|--------|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| * | Or on the next Business Day if the Contract Anniversary or Benefit Anniversary is not a Business Day. |
|---|-------------------------------------------------------------------------------------------------------|

----

| · | Following an assignment or change of ownership/Annuitant/Beneficiary, if a Covered Person no longer has the required relationship stated here, he or she is removed from the Contract as a Covered Person. If we remove all Covered Persons from the Contract, your Lifetime Benefit and any Lifetime Plus Payments end. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For non-spouse Joint Owners with single Lifetime Plus Payments: If you are no longer spouses on the date of an Owner’s death and the Contract Value is positive, we pay the death benefit to the Beneficiary and the Lifetime Benefit and any Lifetime Plus Payments end. This means Lifetime Plus Payments are no longer available even if a Covered Person is still alive. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Joint Covered Persons must continue to qualify as spouses under federal law while your benefit is in effect. Until then, if at any time joint Covered Persons are no longer spouses, you must send us written notice. We either divide the Contract in accordance with any applicable court order or law regarding division of assets upon divorce, or remove a former spouse from the Contract as a Covered Person and also as an Owner, Joint Owner or Annuitant. At this time, we may change the additional M&E charge for your Lifetime Benefit as discussed in this appendix. However, any new additional M&E charge cannot be greater than the maximum stated at the beginning of this appendix. When we receive notification of an Owner’s death, if we discover that the joint Covered Persons were not federally recognized spouses at the time of death, spousal continuation of the Contract is not available. Therefore, your benefit, any Lifetime Plus Payments and the Contract all end. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts issued to civil union partners in New Jersey: We allow civil union partners to be Joint Owners and/or joint Covered Persons. However, civil union partners are treated differently from persons who are recognized as spouses under the federal tax law and this affects how long Lifetime Plus Payments continue. Upon the death of one federally recognized spouse, the survivor can continue the Contract and lifetime payments also continue if the survivor is a Covered Person. This type of continuation is generally not allowed for a surviving civil union partner under the federal tax law with the following exception. If the Contract Value reduces to zero before the one year anniversary of the first civil union partner’s death, Lifetime Plus Payments can continue if the survivor is a Covered Person and the survivor chooses not to take the death benefit. If instead the Contract Value is positive at this time, or if the survivor chooses to take the death benefit, Lifetime Plus Payments end. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Contract Value as of the end of the last Business Day before the Benefit Date, |
|--------|--------------------------------------------------------------------------------|

| · | Quarterly Anniversary Value, or |
|--------|---------------------------------|

| · | for Lifetime Plus Benefit, an annual 5% compounded interest applied to Purchase Payments adjusted for withdrawals for up to ten years. Each Contract Anniversary before the older Covered Person’s 81st birthday you can reset the compounded interest to equal the Contract Value, if greater (5% Annual Increase). The 5% Annual increase is subject to a maximum of two times Purchase Payments adjusted for withdrawals received ten years ago (Enhanced 10-Year Value). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | for Lifetime Plus II Benefit, the Highest Annual Increase, which is the greatest of all the Enhanced 5% Annual Increases. The Enhanced 5% Annual Increase is similar to Lifetime Plus Benefit’s 5% Annual Increase, the only difference is that annual resets are automatic and establish a new Enhanced 5% Annual Increase and Enhanced 10-Year Value. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | for Lifetime Plus 10 Benefit, a quarterly simple interest of 2.5% applied to Purchase Payments adjusted for withdrawals for up to 20 years. Each quarter we reset the simple interest to equal the Contract Value, if greater (10% Annual Increase). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| Lifetime Plus Payment Tablefor Lifetime Plus Benefit or Lifetime Plus II Benefit |
|--------------------------------------------------------------------------------------------|
| Age band of the Covered Person(or younger Covered Person forjoint Lifetime Plus Payments)  | Annual maximum Lifetime Plus Payment percentage (or annual Lifetime Plus Payment percentage for Contracts issued in Nevada) |
| 50 - 59                                                                                    | 4% |
| 60 - 69                                                                                    | 5% |
| 70 - 79                                                                                    | 6% |
| 80+                                                                                        | 7% |

| Lifetime Plus Payment Tablefor Lifetime Plus 10 Benefit                                   |
|-------------------------------------------------------------------------------------------|
| Age band of the Covered Person(or younger Covered Person forjoint Lifetime Plus Payments) | Annual maximum Lifetime Plus Payment percentage |
| 65 - 79                                                                                   | 5% |
| 80+                                                                                       | 6% |

| · | the Quarterly Anniversary Value, |
|--------|----------------------------------|

| · | for Lifetime Plus Benefit, the 5% Annual Increase (including the Enhanced 10-Year Value), |
|--------|-------------------------------------------------------------------------------------------|

| · | for Lifetime Plus II Benefit, the Highest Annual Increase (including the Enhanced 5% Annual Increase and the Enhanced 10-Year Value), or |
|--------|------------------------------------------------------------------------------------------------------------------------------------------|

| · | for Lifetime Plus 10 Benefit, the 10% Annual Increase. |
|--------|--------------------------------------------------------|

----

| · | If we increase your annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) because the Contract Value increased, we increase your Benefit Base by the same percentage that we increased the payment. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If we increase your annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) because the current payment percentage multiplied by the current Contract Value results in a higher payment, we change your Benefit Base to equal this Contract Value. This change may increase or decrease your Benefit Base. For example, suppose a 60-year old has an annual maximum Lifetime Plus Payment of $4,000 based on the Benefit Base of $100,000 ($4,000 = 4% x $100,000). On the next Benefit Anniversary, if the payment percentage increases to 5% based on the Covered Person’s age, at 5% the annual maximum Lifetime Plus Payment would increase if the current Contract Value was at least $80,020 ($80,020 x 5% = $4,001). The Benefit Base of $100,000 would then reduce to equal the $80,020 Contract Value. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We increase it by the amount of any additional Purchase Payments. |
|--------|-------------------------------------------------------------------|

| · | We reduce it by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | We increase it by the amount of any additional Purchase Payments. |
|--------|-------------------------------------------------------------------|

| · | We reduce it by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b + (1.05 x (a – b)) |
|--------|----------------------------|

|   | Where: |
|--------|--------|

|   | a = The annual increase at the end of the prior Business Day; and |
|--------|-------------------------------------------------------------------|

|   | b = Purchase Payments* received during the last Contract Year. If the rider effective date is the Issue Date and there has not been a reset, we exclude from “b” any Purchase Payments received within 90 days of the Issue Date. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | d + [1.05 x ((c – d) + (0.05 x e)] |
|--------|------------------------------------------|

|   | Where: |
|--------|--------|

|   | c = The annual increase at the end of the prior Business Day; |
|--------|---------------------------------------------------------------|

|   | d = Purchase Payments* received during the last Contract Year; and |
|--------|--------------------------------------------------------------------|

|   | e = Purchase Payments* received during the Contract Year that began two years ago. If the rider effective date is the Issue Date and there has not been a reset, we exclude from “e” any Purchase Payments received within 90 days of the Issue Date. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| * | We reduce each Purchase Payment by the percentage of any Contract Value withdrawn, determined at the end of each Business Day. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|---|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We increase it by the amount of any additional Purchase Payments. |
|--------|-------------------------------------------------------------------|

| · | We reduce it by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | the Enhanced 10-Year Value at the end of the prior Business Day, |
|--------|------------------------------------------------------------------|

| · | plus Purchase Payments* received within 90 days of the Issue Date excluding the payment received on the Issue Date. |
|--------|---------------------------------------------------------------------------------------------------------------------|

----

| · | the Enhanced 10-Year Value at the end of the prior Business Day, |
|--------|------------------------------------------------------------------|

| · | plus Purchase Payments* received during the Contract Year that began eleven years ago. If you selected Lifetime Plus Benefit at issue and there has not been a reset, then on the eleventh Contract Anniversary only we exclude Purchase Payments received within 90 days of the Issue Date. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| * | We reduce each Purchase Payment by the percentage of any Contract Value withdrawn, determined at the end of each Business Day. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|---|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | We increase them by the amount of any additional Purchase Payments. |
|--------|---------------------------------------------------------------------|

| · | We reduce them by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a + 0.025 (b – c) |
|--------|-------------------------|

|   | Where: |
|--------|--------|

|   | a = The 10% Annual Increase at the end of the prior Business Day; |
|--------|-------------------------------------------------------------------|

|   | b = The increase base at the end of the prior Business Day; and |
|--------|-----------------------------------------------------------------|

|   | c = Purchase Payments* received on or after the prior Quarterly Anniversary. If you selected this benefit at issue, we exclude from “c” any Purchase Payments received before the first Quarterly Anniversary. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| * | We reduce each Purchase Payment by the percentage of any Contract Value withdrawn, determined at the end of each Business Day. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|---|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| * | For Contracts issued in Nevada you can continue to change your payment frequency after the Contract Value reduces to zero. |
|---|----------------------------------------------------------------------------------------------------------------------------|

| · | You can no longer remove your selected Lifetime Benefit from the Contract. |
|--------|----------------------------------------------------------------------------|

| · | You cannot take new Partial Annuitizations. |
|--------|---------------------------------------------|

| · | You cannot make additional Purchase Payments so the Traditional Death Benefit value (if applicable) no longer increases. |
|--------|--------------------------------------------------------------------------------------------------------------------------|

| · | Any active automatic investment plan and/or systematic withdrawal or dollar cost averaging programs end. |
|--------|----------------------------------------------------------------------------------------------------------|

| · | The free withdrawal privilege is not available. |
|--------|-------------------------------------------------|

| · | You can only change the Owner if you selected joint Lifetime Plus Payments and: |
|--------|---------------------------------------------------------------------------------|

|   | – | an Owner dies and the spouse continues the Contract, or |
|--------|---------|---------------------------------------------------------|

|   | – | you remove a joint Covered Person who is also a Joint Owner from the Contract. In this case, the remaining Covered Person must become the new sole Owner. |
|--------|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you selected Lifetime Plus Benefit, the additional M&E charge continues until the benefit ends, or the Business Day the Contract Value reduces to zero. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you selected Lifetime Plus II Benefit or Lifetime Plus 10 Benefit and your rider effective date is before January 26, 2009, the additional M&E charge decreases as indicated at the beginning of this appendix, and it continues until the benefit ends, or the Contract Value reduces to zero. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you selected Lifetime Plus II Benefit or Lifetime Plus 10 Benefit and your rider effective date is from January 26, 2009 until March 31, 2009, the additional M&E charge continues until the benefit ends, or the Contract Value reduces to zero. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you selected the Quarterly Value Death Benefit, its additional M&E charge continues until that benefit ends. |
|--------|---------------------------------------------------------------------------------------------------------------------|

| · | If you take a Full Annuitization, Lifetime Plus Payments stop and your Lifetime Benefit ends. |
|--------|-----------------------------------------------------------------------------------------------|

| · | The Contract Value continues to fluctuate as a result of Investment Option performance, and it decreases on a dollar for dollar basis with each Lifetime Plus Payment, Cumulative Withdrawal* and any Excess Withdrawal, and the deduction of Contract charges other than the M&E charge. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | Lifetime Plus Payments and Cumulative Withdrawals* do not reduce your Benefit Base, but Excess Withdrawals reduce your Benefit Base and annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment for Contracts issued in Nevada) by the percentage of Contract Value withdrawn (including any withdrawal charge). Excess Withdrawals may cause your Lifetime PlusPayments to stop and your Lifetime Benefit to end. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Each Lifetime Plus Payment, Cumulative Withdrawal* and any Excess Withdrawal reduces the Traditional Death Benefit value (or the Quarterly Anniversary Value under the Quarterly Value Death Benefit, if applicable) by the percentage of Contract Value withdrawn (including any withdrawal charge). |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We may increase your annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment for Contracts issued in Nevada) on every Benefit Anniversary before the older Covered Person reaches age 91. If you receive a payment increase, we may also change your Benefit Base and we reserve the right to change your Lifetime Benefit’s additional M&E charge** subject to the maximum additional M&E charge stated at the beginning of this appendix. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| * | The Cumulative Withdrawal Benefit was not available in Nevada. |
|---|----------------------------------------------------------------|

| ** | We do not increase your Lifetime Benefit’s additional M&E charge for Contracts issued in Nevada. |
|----|------------------------------------------------------------------------------------------------------------|

| * | The Cumulative Withdrawal Benefit was not available in Nevada. |
|---|----------------------------------------------------------------|

----

----

| · | For Qualified Contracts, if we calculate a required minimum distribution (RMD) based on this Contract, after making all Lifetime Plus Payments for the calendar year, we determine whether this calendar year’s total RMD has been satisfied by these payments, Cumulative Withdrawals and any Excess Withdrawals. If the RMD amount has not been satisfied, we send you this remaining amount as one RMD payment by the end of the calendar year. We consider this payment to be a withdrawal, but not an Excess Withdrawal and it is not subject to a withdrawal charge. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For required annuitizations, if on the maximum permitted Income Date you are receiving Lifetime Plus Payments, we guarantee the following. For Contracts issued in Nevada, we pay you the greater of your Lifetime Plus Payment, or fixed Annuity Payments based on Contract Value under Annuity Option 1 or Annuity Option 3. For Contracts issued in all other states, we pay you the greater of your maximum Lifetime Plus Payment, or fixed Annuity Payments based on the greater of Contract Value or Cumulative Withdrawal Value under Annuity Option 1 or Annuity Option 3. If we pay you the maximum Lifetime Plus Payment on the maximum permitted Income Date, we also send you any remaining Cumulative Withdrawal Value. If you select any other Annuity Option, or if you choose variable Annuity Payments, these guarantees do not apply. For more information, see section 9, The Annuity Phase. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If the Contract Value at the end of the prior Business Day is greater than the Contract Value from one year ago (which is the end of the last Business Day before the prior Benefit Anniversary, or the Benefit Date if this is the first Benefit Anniversary) we increase next year’s annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) to the percentage of growth between these two Contract Values. For example, if the Contract Value increased by 5%, we also increase your annual maximum Lifetime Plus Payment by 5%. In all states other than Nevada, this increase is only available if you took the annual maximum Lifetime Plus Payment during the prior Benefit Year. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If the current payment percentage multiplied by the Contract Value at the end of the prior Business Day results in a higher annual maximum Lifetime Plus Payment (or higher annual Lifetime Plus Payment in Nevada). |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | You cannot allocate more than 25% of your total Contract Value to Investment Option Group A. |
|--------|----------------------------------------------------------------------------------------------|

| · | You cannot allocate more than 70% of your total Contract Value to Investment Option Group A and Group B. |
|--------|----------------------------------------------------------------------------------------------------------|

| · | We do not limit allocations to Investment Option Group C. |
|--------|-----------------------------------------------------------|

| Group A Investment Options(1)                                                                                                                                                                                        |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| AZL Federated Clover Small Value FundAZL Morgan Stanley Global Real Estate FundAZL MVP Fusion Growth FundAZL Oppenheimer Discovery FundAZL Schroder Emerging Markets Equity Fund                                     | AZL Small Cap Stock Index FundDavis VA Financial PortfolioFranklin Founding Funds Allocation VIP FundPIMCO VIT CommodityRealReturn Strategy Portfolio |
| (1)If your rider effective date is before January 26, 2009, the following are included in Investment Option Group C, and not in Group A: AZL MVP Fusion Growth Fund and Franklin Founding Funds Allocation VIP Fund. |

| Group B Investment Options                                                                                                                                                                                                                                                                                 |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| AZL BlackRock Capital Appreciation FundAZL Dreyfus Research Growth FundAZL International Index FundAZL Invesco Growth and Income FundAZL Invesco International Equity FundAZL JPMorgan International Opportunities FundAZL JPMorgan U.S. Equity FundAZL MFS Investors Trust FundAZL MFS Mid Cap Value Fund | AZL MFS Value FundAZL Mid Cap Index FundAZL Morgan Stanley Mid Cap Growth FundAZL S&P 500 Index FundAZL T. Rowe Price Capital Appreciation FundFranklin Mutual Shares VIP FundPIMCO EqS Pathfinder PortfolioTempleton Growth VIP Fund |

| Group C Investment Options                                                                                                                                                                                                                                                                                                                                                                                                   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| AZL Balanced Index Strategy FundAZL Franklin Templeton Founding Strategy Plus FundAZL Gateway FundAZL Growth Index Strategy FundAZL Invesco Equity and Income FundAZL Money Market FundAZL MVP Fusion Balanced FundAZL MVP Fusion Conservative FundAZL MVP Fusion Moderate FundAZL Pyramis Core Bond FundBlackRock Global Allocation V.I. FundFidelity VIP FundsManager 50% PortfolioFidelity VIP FundsManager 60% Portfolio | Franklin High Income VIP FundFranklin Income VIP FundFranklin U.S. Government Securities VIP FundPIMCO VIT All Asset PortfolioPIMCO VIT Emerging Markets Bond PortfolioPIMCO VIT Global Advantage Strategy Bond PortfolioPIMCO VIT Global Bond Portfolio (Unhedged)PIMCO VIT Global Multi-Asset Managed Allocation PortfolioPIMCO VIT High Yield PortfolioPIMCO VIT Real Return PortfolioPIMCO VIT Total Return PortfolioPIMCO VIT Unconstrained Bond PortfolioTempleton Global Bond VIP Fund |

----

| · | Before the Benefit Date, the Business Day we process your request to remove your benefit from your Contract (the rider termination date). |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------|

| · | Before the Benefit Date, the Business Day all original Covered Persons no longer have the required relationship (Owner, Annuitant or sole Beneficiary) as stated under “Covered Persons” in this appendix. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The older Covered Person’s 91st birthday if it occurs before the Benefit Date. |
|--------|--------------------------------------------------------------------------------------|

| · | The Business Day before the Income Date you take a Full Annuitization. |
|--------|------------------------------------------------------------------------|

| · | The Business Day we process your request for a full withdrawal, other than a full withdrawal caused by a Lifetime Plus Payment. |
|--------|---------------------------------------------------------------------------------------------------------------------------------|

| · | The Benefit Date or a Benefit Anniversary if the annual maximum Lifetime Plus Payment is less than $100. |
|--------|----------------------------------------------------------------------------------------------------------|

| · | The date of death of an Owner (or Annuitant if the Owner is a non-individual). However, if a federally recognized spouse is a Covered Person and continues this Contract, the Lifetime Benefit also continues. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The date of death of the last surviving Covered Person. |
|--------|---------------------------------------------------------|

| · | The Business Day the Contract ends. |
|--------|-------------------------------------|

|   |   |
|--------|--------|

----

|   | APPENDIX E – TARGET DATE BENEFITS |
|--------|-----------------------------------------|

| Optional Target Date Benefits  | Contract Version | Available Dates        | Additional M&E Charge(1)(as a percentage of each Investment Options’ net asset value) |
|--------------------------------|------------------|------------------------|-------------------------------------------------------------------------------------------------|
| Target Date Retirement Benefit | A                | 3/17/2008 to 1/23/2009 | 0.40%                                                                                           |
| Target Date 10 Benefit         | A                | 1/26/2009 to 3/31/2009 | 0.55%                                                                                           |

| (1) | We assess the additional M&E charge for these optional benefits during the Accumulation Phase while your benefit is in effect and your Contract Value is positive. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Target Date Benefits do not guarantee Investment Option performance. |
|--------|----------------------------------------------------------------------|

| · | You cannot take a partial withdrawal from specific Investment Options if you have a Target Date Benefit. |
|--------|----------------------------------------------------------------------------------------------------------|

| · | If you have the No Withdrawal Charge Option, you can only remove a Target Date Benefit as discussed under “Removing a Target Date Benefit.” |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We restrict Contract Value allocations and transfers, and rebalance your Contract Value quarterly. These restrictions support the benefit’s guarantees, and to the extent they limit your investment flexibility, they may limit the upside potential to your Contract Value and Target Value. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | You can only make additional Purchase Payments and participate in the automatic investment plan for the first three rider years. In addition, the flexible rebalancing program is not available while your Target Date Benefit is in effect. However, in all states except Massachusetts, these restrictions no longer apply once the benefit ends. For Contract issued in Massachusetts with a Target Date Benefit, you can only make additional Purchase Payments to the Contract for the first three Contract Years even if you subsequently remove your Target Date Benefit or move to another state. Contracts issued in Massachusetts with a Target Date Benefit are issued as limited purchase payment variable deferred annuity contracts. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Target Value does not lock in any Contract Value gains that occur between Rider Anniversaries. |
|--------|----------------------------------------------------------------------------------------------------|

| · | The Target Value does not provide any guarantee to your Contract Value before the initial Target Value Date, or during the period between Target Value Dates. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The last Business Day before each Target Value Date is the only day that we guarantee your Contract Value equals the Target Value. |
|--------|------------------------------------------------------------------------------------------------------------------------------------|

----

----

| · | We increase it by the amount of any additional Purchase Payments. |
|--------|-------------------------------------------------------------------|

| · | We reduce it by the percentage of any Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| TABLE 1: Investment Option Groups                                                                                                                                                                                                              |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Group A(1)                                                                                                                                                                                                                                     |
| AZL Federated Clover Small Value FundAZL Morgan Stanley Global Real Estate FundAZL MVP Fusion Growth FundAZL Oppenheimer Discovery FundAZL Schroder Emerging Markets Equity Fund                                                               | AZL Small Cap Stock Index FundDavis VA Financial PortfolioFranklin Founding Funds Allocation VIP FundPIMCO VIT CommodityRealReturn Strategy Portfolio |
| (1)If your rider effective date is before January 26, 2009:  AZL MVP Fusion Growth Fund and Franklin Founding Funds Allocation VIP Fund are included in the Group X Investment Options instead of in the Group A Investment Options. |

| Group B                                                                                                                                                                                                                                                                                                                                                            |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| AZL BlackRock Capital Appreciation FundAZL Dreyfus Research Growth FundAZL International Index FundAZL Invesco Growth and Income FundAZL Invesco International Equity FundAZL JPMorgan International Opportunities FundAZL JPMorgan U.S. Equity FundAZL MFS Investors Trust FundAZL MFS Mid Cap Value Fund                                                         | AZL MFS Value FundAZL Mid Cap Index FundAZL Morgan Stanley Mid Cap Growth FundAZL S&P 500 Index FundAZL T. Rowe Price Capital Appreciation FundFrankklin Mutual Shares VIP FundPIMCO EqS Pathfinder PortfolioTempleton Growth VIP Fund |
| Group X                                                                                                                                                                                                                                                                                                                                                            | Group Y |
| AZL Franklin Templeton Founding Strategy Plus FundAZL Gateway FundAZL Growth Index Strategy FundAZL Invesco Equity and Income FundAZL MVP Fusion Moderate FundBlackRock Global Allocation V.I. FundFidelity VIP FundsManager 50% PortfolioFidelity VIP FundsManager 60% PortfolioFranklin Income VIP FundPIMCO VIT Global Multi-Asset Managed Allocation Portfolio | AZL Balanced Index Strategy FundAZL Money Market FundAZL MVP Fusion Balanced FundAZL MVP Fusion Conservative FundAZL Pyramis Core Bond FundFranklin High Income VIP FundFranklin U.S. Government Securities VIP FundPIMCO VIT All Asset PortfolioPIMCO VIT Emerging Markets Bond PortfolioPIMCO VIT Global Advantage Strategy Bond PortfolioPIMCO VIT Global Bond Portfolio (Unhedged)PIMCO VIT High Yield PortfolioPIMCO VIT Real Return PortfolioPIMCO VIT Total Return PortfolioPIMCO VIT Unconstrained Bond PortfolioTempleton Global Bond VIP Fund |

----

| TABLE 2                                                 |
|---------------------------------------------------------|
|                                                    | Maximum % of Contract Value Allowed in the combined Investment Option Groups A, B and XBased on the Number of Rider Years* to the Initial Target Value Dateand the Comparison of Contract Value (CV) to the Target Value (TV) |
| Number of Rider Years* to the Initial Target Value Date | CV = 94%+ of TV | CV = 88% to < 94% of TV | CV = 82% to < 88% of TV | CV = 76% to < 82% of TV | CV = 70% to < 76% of TV | CV = 64% to < 70% of TV | CV = 58% to < 64% of TV | CV = 52% to < 58% of TV | CV = 46% to < 52% of TV | CV = 40% to < 46% of TV | CV = 34% to < 40% of TV | CV = 28% to < 34% of TV | CV = 22% to < 28% of TV | CV = 16% to < 22% of TV | CV = 10% to < 16% of TV | CV = 4% to < 10% of TV | CV < 4% of TV |
| 28+                                                     | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% |
| 27                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% |
| 26                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% |
| 25                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% |
| 24                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% |
| 23                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% |
| 22                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% |
| 21                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% |
| 20                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% |
| 19                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% |
| 18                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% |
| 17                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% |
| 16                                                      | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% |
| 15                                                      | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% |
| 14                                                      | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% |
| 13                                                      | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% |
| 12                                                      | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% |
| 11                                                      | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% |
| 10                                                      | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 9                                                       | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 8                                                       | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 7                                                       | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 6                                                       | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 5                                                       | 60% | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 4                                                       | 55% | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 3                                                       | 50% | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 2                                                       | 45% | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| 1                                                       | 40% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |
| Initial Target Value Date and beyond                    | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% | 35% |

| * | We round the number of years until the initial Target Value Date up to the next whole number. For example, when you are seven rider years and four months away from your initial Target Value Date, in this table you are eight rider years from the initial Target Value Date. |
|---|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| TABLE 3                                                                                 |
|-----------------------------------------------------------------------------------------|
| When the maximum % of Contract Value allowed in the combinedGroups A, B and X is… | then the maximum % of Contract Value allowed inGroup A is… | and the minimum % of Contract Value required inGroup Y is… |
| 95%                                                                                     | 30% | 5% |
| 90%                                                                                     | 30% | 10% |
| 85%                                                                                     | 25% | 15% |
| 80%                                                                                     | 25% | 20% |
| 75%                                                                                     | 20% | 25% |
| 70%                                                                                     | 20% | 30% |
| 65%                                                                                     | 15% | 35% |
| 60%                                                                                     | 15% | 40% |
| 55%                                                                                     | 10% | 45% |
| 50%                                                                                     | 10% | 50% |
| 45%                                                                                     | 5% | 55% |
| 40%                                                                                     | 5% | 60% |
| 35%                                                                                     | 5% | 65% |

----

| 1. | Your current future allocation instructions comply with the new maximum allowed and new minimum required group allocations. No change to your future allocation instructions. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | Your current future allocation instructions for Group A comply with the new maximum allowed allocation, but your current future allocation instructions for combined Groups B and X Investment Options are greater than the new maximum allowed allocation. No change to your Group A future allocation instructions, but we decrease the required allocation for Groups B and X to equal the new maximum allowed allocation. We then take the excess from Groups B and X (your future allocation instructions for Group B and X minus the new maximum allowed allocation) and apply it to Group Y. |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | Your current future allocation instructions for Group A are greater than the new maximum allowed allocation. We decrease the required allocation for Group A to equal the new maximum allowed allocation. We then take the excess from Group A (your future allocation instructions for Group A minus the new maximum allowed allocation) and reallocate it as follows. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a) | If your future allocation instructions for combined Groups B and X are less than the new maximum allowed allocation for these groups, the new required allocation is equal to your future allocation instructions for Groups B and X, plus the excess from Group A, subject to the new maximum allowed allocation for the combined Groups B and X. We then apply any remaining excess allocation from Group A to Group Y. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b) | If your future allocation instructions for combined Groups B and X are greater than or equal to the new maximum allowed allocation for these groups, then we decrease the new required allocation for Groups B and X to equal the new maximum allowed allocation. We then take any excess allocation from Groups B and X (your future allocation instructions for Group B and X minus the new maximum allowable allocation), plus any excess allocation from Group A, and apply it all to Group Y. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | where: |
|--------|--------|

|   | a = | The new required group allocation for the current Quarterly Anniversary. |
|--------|-----|--------------------------------------------------------------------------|

|   | b = | The required allocation for each Investment Option at the end of the prior Business Day. |
|--------|-----|------------------------------------------------------------------------------------------|

|   | c = | The required group allocation at the end of the prior Business Day. |
|--------|-----|---------------------------------------------------------------------|

| · | For Bonus Option Contracts, we rebalance the Bonus Value using the same percentages we use to rebalance your Contract Value. |
|--------|------------------------------------------------------------------------------------------------------------------------------|

| · | In any twelve-month period, we cannot reduce the maximum allowed Contract Value allocation in Group A by more than 10%, and in combined Groups A, B and X by more than 15%. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Unless the maximum allowed allocation for combined Groups A, B, and X changes, the maximum allowed allocation for Group A and the minimum required allocation for Group Y do not change. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We may move all of your Contract Value out of one or more of your selected Investment Options. However, we send you a transaction confirmation each time we move Contract Value between Investment Options. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Unless you reset the initial Target Value Date, the maximum allowed in Group A, and in combined Groups A, B and X never increases. |
|--------|------------------------------------------------------------------------------------------------------------------------------------|

| · | If you allocate less than the maximum allowed to combined Groups A, B and X, you may be subject to fewer Investment Option reallocations. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | The Business Day we process your request to remove your benefit from your Contract (the rider termination date). |
|--------|------------------------------------------------------------------------------------------------------------------|

| · | The date of death of any Owner (or Annuitant, if the Contract is owned by a non-individual), unless the surviving spouse (or civil union partner for riders issued in New Jersey) elects to continue the Contract. However, if an Owner (or Annuitant, if the Contract is owned by a non-individual) dies and the surviving spouse (or civil union partner for riders issued in New Jersey) elects to receive payout of the death benefit, then your Target Date Benefit ends as of the end of the Business Day during which we receive in Good Order at the Service Center, both due proof of death and an election of the death benefit payment option. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Business Day before the Income Date that you take a Full Annuitization. |
|--------|-----------------------------------------------------------------------------|

| · | The Business Day we process your request for a full withdrawal. |
|--------|-----------------------------------------------------------------|

| · | When the Contract ends. |
|--------|-------------------------|

|   |   |
|--------|--------|

----

|   | APPENDIX F – PREVIOUS VERSIONS OF THE QUARTERLY VALUE DEATH BENEFIT |
|--------|---------------------------------------------------------------------------|

| Original Quarterly Value Death Benefit                                                      | Second Quarterly Value Death Benefit                                                                                                                                                                                                                                       |
|---------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ·Available on Version A Contracts issued from May 1, 2007 through April 30, 2010. | ·Available on Version A Contracts issued from May 2, 2010 through April 29, 2011, and on Version B Contracts issued fromMay 2, 2011 through April 27, 2012.                                                                                            |
| ·     Did not require an Additional Required Benefit.         | ·     Did require an Additional Required Benefit.                                                                                                                                                                                            |
|                                                                                        | ·If you remove the Additional Required Benefit you can continue to receive annual lock ins, and we continue to assess the additional 0.30% M&E charge for the Quarterly Value Death Benefit after the Additional Required Benefit’s rider termination date. |

| · | the older Owner’s 91st birthday (or the Annuitant’s 91st birthday if the Owner is a non-individual); or |
|--------|---------------------------------------------------------------------------------------------------------------------|

| · | the end of the Business Day during which we first receive in Good Order at our Service Center the death benefit payment option and due proof of death. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | APPENDIX G – SHORT WITHDRAWAL CHARGE OPTION |
|--------|---------------------------------------------------|

| Number of Complete Years Since Purchase Payment | Withdrawal Charge Amount |
|-------------------------------------------------|--------------------------|
| Short Withdrawal Charge Option                  |
| 0                                               | 8.5%                     |
| 1                                               | 7.5%                     |
| 2                                               | 5.5%                     |
| 3                                               | 3%                       |
| 4 years or more                                 | 0%                       |

|   | APPENDIX H – NO WITHDRAWAL CHARGE OPTION |
|--------|------------------------------------------------|

|   |   |
|--------|--------|

----

|   | APPENDIX I – INCOME FOCUS |
|--------|---------------------------------|

|                                                                                                                                                                               | Rider Charge |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|
|                                                                                                                                                                               | Maximum      | Minimum | Current |
| Income Focus(1) (05.12) and (07.12)Single Income Focus Payments (as a percentage of the Total Income Value)Joint Income Focus Payments (as a percentage of the Total Income Value) | 2.75%2.95%   | 0.50%0.50% | 1.30%1.30% |

| (1) | If you select the Charge Lock Option rider, the rider charge for Income Focus is fixed at the rate in effect on the Charge Lock Date. You will continue to pay the rider charge after the Charge Lock Date as long as your selected benefit is in effect and your Contract Value is positive. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| Income Focus (07.12) Initial Income Value Percentage Table                             |
|----------------------------------------------------------------------------------------|
| Age of the Covered Person on the Rider Effective Date for single Income Focus Payments | Initial Income Value Percentage | Age of the younger Covered Person on the Rider Effective Date for joint Income Focus Payments | Initial Income Value Percentage |
| 45 – 64                                                                          | 3.25% | 45 – 64 | 2.75% |
| 65 – 79                                                                          | 3.75% | 65 – 79 | 3.25% |
| 80+                                                                                    | 4.75% | 80+ | 4.25% |

| Income Focus (05.12) Initial Income Value Percentage Table                             |
|----------------------------------------------------------------------------------------|
| Age of the Covered Person on the Rider Effective Date for single Income Focus Payments | Initial Income Value Percentage | Age of the younger Covered Person on the Rider Effective Date for joint Income Focus Payments | Initial Income Value Percentage |
| 45 – 64                                                                          | 3.75% | 45 – 64 | 3.25% |
| 65 – 79                                                                          | 4.25% | 65 – 79 | 3.75% |
| 80+                                                                                    | 5.25% | 80+ | 4.75% |

----

| · | If the Rider Effective Date is the Issue Date, the first Income Value is equal to all Purchase Payments received before the first Quarterly Anniversary. If you make any additional Purchase Payments on or after the first Quarterly Anniversary and before the first Rider Anniversary we add them together and establish a new Income Value. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If the Rider Effective Date occurs after the Issue Date, the first Income Value is initially equal to the Contract Value at the end of the prior Business Day. If you make any additional Purchase Payments during the first Rider Year we add them together and establish a new Income Value. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | Performance Increases are not available once the older Covered Person reaches age 91. |
|--------|---------------------------------------------------------------------------------------|

| · | After the Benefit Date Performance Increases are only available while your Contract Value is positive and if you took your annual maximum Income Focus Payment during the last Benefit Year. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If we increased the Contract Value to equal the death benefit due to a spousal continuation of the Contract during the last Rider Year or Benefit Year, we also subtract the amount of this increase from the Contract Value on the next Rider Anniversary or Benefit Anniversary when determining Performance Increases. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Contracts with the Bonus Option, we include any unvested Bonus amounts when determining Performance Increases. So when we compute a Performance Increase, each Purchase Payment includes its associated bonus and we use Bonus Values instead of Contract Values. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | You cannot take new Partial Annuitizations. |
|--------|---------------------------------------------|

| · | You cannot make additional Purchase Payments, therefore the Traditional Death Benefit Value (if applicable) no longer increases. |
|--------|----------------------------------------------------------------------------------------------------------------------------------|

| · | Any active automatic investment plan and/or systematic withdrawal program ends. |
|--------|---------------------------------------------------------------------------------|

| · | The free withdrawal privilege is not available. |
|--------|-------------------------------------------------|

| · | You can only remove Income Focus while the Contract Value is positive. If you remove this benefit, the restrictions listed above do not apply on or after the rider termination date. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | You can only change the Owner if you selected joint Income Focus Payments and: |
|--------|--------------------------------------------------------------------------------|

|   | – | an Owner dies and the spouse continues the Contract, or |
|--------|---------|---------------------------------------------------------|

|   | – | you remove a joint Covered Person who is also a Joint Owner from the Contract. In this case, the remaining Covered Person must become the new sole Owner. In Florida, Ohio, Oregon, or Wisconsin we cannot restrict assignments or changes of ownership and if you assign or change ownership and the Covered Persons no longer have the required relationship as stated in section 2, Income Focus ends. |
|--------|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The rider charge continues until the benefit ends, or the Business Day the Contract Value reduces to zero. |
|--------|------------------------------------------------------------------------------------------------------------|

| · | If you have the Quarterly Value Death Benefit, its additional M&E charge continues as indicated in section 7, Expenses – Mortality and Expense Risk (M&E) Charge. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you take a Full Annuitization, Income Focus Payments stop and Income Focus ends. |
|--------|-------------------------------------------------------------------------------------|

| · | The Contract Value continues to fluctuate as a result of Investment Option performance. It decreases on a dollar for dollar basis with each Income Focus Payment, Excess Withdrawal, and any Contract charges we deduct. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | Income Focus Payments do not reduce your Income Values, but Excess Withdrawals reduce the annual maximum Income Focus Payment and each Income Value by the percentage of Contract Value withdrawn (including any withdrawal charge). If you take an Excess Withdrawal of your total Contract Value, Income Focus Payments stop and Income Focus ends. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Each Income Focus Payment and any Excess Withdrawal reduces the Traditional Death Benefit Value (or the Quarterly Anniversary Value under the Quarterly Value Death Benefit, if applicable) by the percentage of Contract Value withdrawn (including any withdrawal charge). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Any part of your annual maximum Income Focus Payment that you do not withdraw in a given Benefit Year remains in your Contract for the remainder of that year, but is not added to the annual maximum payment available next year. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | You may receive a Performance Increase to Income Value Percentages on every Benefit Anniversary before the older Covered Person reaches age 91. Performance Increases increase your annual maximum Income Focus Payment. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | For Qualified Contracts, if we calculate a required minimum distribution (RMD) based on this Contract, after making all Income Focus Payments for the calendar year, we determine whether this calendar year’s total RMD has been satisfied by these payments and any Excess Withdrawals. If the RMD amount has not been satisfied, we send you this remaining amount as one RMD payment by the end of the calendar year. We consider this payment to be a withdrawal, but it is not an Excess Withdrawal and it is not subject to a withdrawal charge. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For required annuitization, if on the maximum permitted Income Date you are receiving Income Focus Payments, we guarantee to pay you the greater of your maximum Income Focus Payment or fixed Annuity Payments based on the Contract Value under Annuity Option 1 or Annuity Option 3. If you select any other Annuity Option, or if you choose variable Annuity Payments, this guarantee does not apply. For more information, see section 9, The Annuity Phase. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| If the Charge Lock Date is… | the Last Performance Increase Date is…                                                           |
|-----------------------------------|--------------------------------------------------------------------------------------------------------|
| before the Benefit Date           | the earlier of the Benefit Date, or the Rider Anniversary on or immediately after the Charge Lock Date |
| the Benefit Date                  | the Benefit Date                                                                                       |
| after the Benefit Date            | the Benefit Anniversary that occurs on or immediately after the Charge Lock Date                       |

| · | If the Last Performance Increase Date is a Rider Anniversary before the Benefit Date, we first apply a Performance Increase to each eligible Income Value Percentage if your Contract Value (or Bonus Value, if applicable) has increased. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Next we subtract 1% from each Income Value Percentage, including the initial Income Value Percentage for any new Income Values you establish in the future. After this date your Income Value Percentages will not increase. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Then on the Benefit Date we calculate your annual maximum Income Focus Payment using these reduced Income Value Percentages. Your annual maximum Income Focus Payments will not increase after this date. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We first apply Performance Increases to each Income Value Percentage if your Contract Value (or Bonus Value, if applicable) has increased, and then we subtract 1% from each Income Value Percentage. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Next we calculate your annual maximum Income Focus Payment using these reduced Income Value Percentages. Your annual maximum Income Focus Payments will not increase after this date. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If your reduced annual maximum Income Focus Payment is $100 or more, we verify that your annual actual Income Focus Payment meets our minimum requirements (it must be either zero, or $100 or more – you cannot request an actual payment of $50). If it is not, we ask you to change either the payment amount, or the frequency. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | Your Contract Value will continue to fluctuate with Investment Option performance after the Charge Lock Date. |
|--------|---------------------------------------------------------------------------------------------------------------|

| · | The Charge Lock Option rider is not available in Illinois and may not be available through all broker dealers. For more information, please contact us or your Financial Professional. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select the Charge Lock Option rider, the reduction to Income Focus’ benefits may be significant, and you may be better off either accepting the rider charge increase, or removing Income Focus from your Contract. You should consult with your Financial Professional before selecting the Charge Lock Option rider. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Charge Lock Option riders issued in all states except Pennsylvania: Once you select the Charge Lock Option rider, you cannot later remove it from your Contract. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | For Charge Lock Option riders issued in Pennsylvania: If you change your mind about having the Charge Lock Option rider, you can return the rider within ten days after receiving it and we treat it as if it had never been issued. If you return the Charge Lock Option rider this means we will increase your rider charge, but we will not reduce your Income Value Percentages. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select the Charge Lock Option rider before Income Focus Payments begin, then request to begin payments before the Last Performance Increase Date, you give up the opportunity to receive one last Performance Increase, which may further reduce your Income Focus Payments. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | If you select the Charge Lock Option rider and the reduction to your Income Value Percentages causes your annual maximum Income Focus Payment to be less than $100, Income Focus ends. If this occurs on the Benefit Date, you will have paid for Income Focus without receiving any of its advantages. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Income Focus (05.12) and (07.12) available Investment Options                                                                                                                                                              |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| AZL MVP Balanced Index Strategy FundAZL MVP BlackRock Global Allocation FundAZL MVP Franklin Templeton Founding Strategy Plus FundAZL MVP Fusion Balanced FundAZL MVP Fusion Conservative FundAZL MVP Fusion Moderate Fund | AZL MVP Growth Index Strategy FundAZL MVP Invesco Equity and Income FundAZL MVP T. Rowe Price Capital Appreciation FundPIMCO VIT Global Multi-Asset Managed Volatility Portfolio |

----

| · | The Business Day we process your request to remove this benefit from your Contract (the rider termination date). |
|--------|------------------------------------------------------------------------------------------------------------------|

| · | For riders issued in all states except California and New Jersey, the Business Day all original Covered Persons no longer have the required relationship (Owner, Annuitant or sole Beneficiary) as stated under “Covered Persons” in section 2. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The older Covered Person’s 91st birthday if it occurs before the Benefit Date. |
|--------|--------------------------------------------------------------------------------------|

| · | The Business Day before the Income Date you take a Full Annuitization. |
|--------|------------------------------------------------------------------------|

| · | The Business Day we process your request for a full withdrawal, other than a full withdrawal caused by an Income Focus Payment. |
|--------|---------------------------------------------------------------------------------------------------------------------------------|

| · | The Benefit Date or a Benefit Anniversary if the annual maximum Income Focus Payment is less than $100. However, this does not apply if you have the Charge Lock Option rider, your Last Performance Increase Date is the Benefit Date or a Benefit Anniversary, and on the Last Performance Increase Date your annual maximum Income Focus Payment becomes less than $100. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Upon the death of an Owner (or Annuitant if the Owner is a non-individual), the end of the Business Day we first receive a Valid Claim from any one Beneficiary. However, if a federally recognized spouse is a Covered Person and continues this Contract, Income Focus also continues. In New Jersey, if a surviving civil union partner is the sole Beneficiary and takes the additional death benefit payment option described in the Contract, Income Focus ends on the Business Day before the Income Date. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The date of death of the last surviving Covered Person. |
|--------|---------------------------------------------------------|

| · | The Business Day the Contract ends. |
|--------|-------------------------------------|

|   |   |
|--------|--------|

----

|   | APPENDIX J – PREVIOUS VERSIONS OF INCOME PROTECTOR AND INVESTMENT PROTECTOR |
|--------|-----------------------------------------------------------------------------------|

| Benefit Version                                                                                                                                                                                             | Current rider charge                                         | Annual Increase Percentage used to calculate the Annual Increase | Number of Guarantee Years used to calculate the Annual Increase | Payment Percentages used to calculateannual maximum Lifetime Plus Payments                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------|------------------------------------------------------------------|-----------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Income Protector (10.12)available onContract Version A(1) and B from October 15, 2012 through April 24, 2015                                                                                                | 1.20% for single and joint Lifetime Plus Payments            | 6%,which is 1.5% applied quarterly                               | 30                                                              | Covered Person’s age for single Lifetime Plus Payments60 – 64                4.0%65 – 79                4.5%80+                5.5%                                                                                                                                                                                                              | Younger Covered Person’s age for joint Lifetime Plus Payments60 – 64                3.5%65 – 79                4.0%80+                5.0% |
| Income Protector (07.12)available onContract Version A(1) and B from July 23, 2012 through October 12, 2012                                                                                                 | 1.10% for single and joint Lifetime Plus Payments            | 5%,which is 1.25% applied quarterly                              | 30                                                              | Covered Person’s age for single Lifetime Plus Payments60 – 64                4.0%65 – 79                4.5%80+                5.5%                                                                                                                                                                                                              | Younger Covered Person’s age for joint Lifetime Plus Payments60 – 64                3.5%65 – 79                4.0%80+                5.0% |
| Income Protector (05.12)available on Contract Version A(1) and B from April 30, 2012 through July 20, 2012                                                                                             | 1.40% for single and joint Lifetime Plus Payments            | 7%,which is 1.75% applied quarterly                              | 30                                                              | Covered Person’s age for single Lifetime Plus Payments60 – 64                4.0%65 – 79                4.5%80+                5.5%                                                                                                                                                                                                              | Younger Covered Person’s age for joint Lifetime Plus Payments60 – 64                3.5%65 – 79                4.0%80+                5.0% |
| Income Protector (01.12)available on Contract Version A and Bfrom January 23, 2012 through April 27, 2012 in all states except Oregon, andfrom February 22, 2012 through April 27, 2012 in Oregon only | 1.40% for single and joint Lifetime Plus Payments            | 8%,which is 2% applied quarterly                                 | 30                                                              | Covered Person’s age for single Lifetime Plus Payments60 – 64                4.0%65 – 79                4.5%80+                5.5%                                                                                                                                                                                                              | Younger Covered Person’s age for joint Lifetime Plus Payments60 – 64                3.5%65 – 79                4.0%80+                5.0% |
| Income Protector (05.11)available on Contract Version A and Bfrom May 2, 2011 through January 20, 2012 in all states except Oregon, andfrom May 2, 2011 through February 21, 2012 inOregon only        | 1.35% for single Lifetime Plus Payments, and 1.50% for joint | 8%,which is 2% applied quarterly                                 | 30                                                              | Age of Covered Person for single Lifetime Plus Payments, orage of younger Covered Person for joint Lifetime Plus Payments60 – 64                        4.0%65 – 79                        4.5%80+                        5.5% |
| Income Protector (05.10)available onContract Version A fromMay 3, 2010 throughApril 29, 2011                                                                                                                | 1.35% for single Lifetime Plus Payments, and 1.50% for joint | 8%,which is 2% applied quarterly                                 | 20                                                              | Age of Covered Person for single Lifetime Plus Payments, orage of younger Covered Person for joint Lifetime Plus Payments60 – 64                        4.0%65 – 79                        4.5%80+                        5.5% |
| Income Protector (08.09)available onContract Version A fromJuly 22, 2009 through April 30, 2010                                                                                                             | 1.35% for single Lifetime Plus Payments, and 1.50% for joint | 8%,which is 2% applied quarterly                                 | 20                                                              | Age of Covered Person for single Lifetime Plus Payments, orage of younger Covered Person for joint Lifetime Plus Payments65 – 79                        4.5%80+                        5.5%                                                                                                                                                                  |

| (1) | Available on Version A Contracts issued on or after April 1, 2009. |
|-----|--------------------------------------------------------------------|

| · | The minimum exercise age that Lifetime Plus Payments can begin is the youngest age listed in these Payment Percentages tables. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------|

| · | On the Rider Effective Date we establish your Contract’s Annual Increase Percentage, Guarantee Years, and Payment Percentages and we cannot reduce these values while your benefit is in effect. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| Income Protector (05.11), (05.10) and (08.09) available Investment Options                                                                                                                                                                                                                                                                                                                    |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| AZL Balanced Index Strategy FundAZL Franklin Templeton Founding Strategy Plus FundAZL Gateway FundAZL Growth Index Strategy FundAZL Invesco Equity and Income FundAZL Money Market FundAZL MVP Fusion Balanced FundAZL MVP Fusion Conservative FundAZL MVP Fusion Moderate FundAZL MVP T. Rowe Price Capital Appreciation FundAZL Pyramis Core Bond FundBlackRock Global Allocation V.I. Fund | Fidelity VIP FundsManager 50% PortfolioFidelity VIP FundsManager 60% PortfolioFranklin High Income VIP FundFranklin Income VIP FundFranklin U.S. Government Securities VIP FundPIMCO VIT All Asset PortfolioPIMCO VIT Emerging Markets Bond PortfolioPIMCO VIT Global Advantage Strategy Bond PortfolioPIMCO VIT Global Bond Portfolio (Unhedged)PIMCO VIT Global Multi-Asset Managed Allocation PortfolioPIMCO VIT High Yield PortfolioPIMCO VIT Real Return PortfolioPIMCO VIT Total Return PortfolioPIMCO VIT Unconstrained Bond PortfolioTempleton Global Bond VIP Fund |

| Benefit Version                                                                                                                                                                           | Currentrider charge | Earliest Anniversaryused to determine theinitial Target Value Date | Future Anniversaryused to determine subsequentTarget Value Dates | Guarantee Percentageused to calculate theTarget Value |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------|--------------------------------------------------------------------|------------------------------------------------------------------|-------------------------------------------------------|
| Investment Protector (07.13)available onContract Version A(1) and B from July 22, 2013 through April 24, 2015                                                                             | 1.30%               | Tenth Rider Anniversary                                            | Fifth Rider Anniversary                                          | 80%                                                   |
| Investment Protector (07.12)available onContract Version A(1) and B from July 9, 2012 throughJuly 19, 2013                                                                                | 1.30%               | Tenth Rider Anniversary                                            | Fifth Rider Anniversary                                          | 100%                                                  |
| Investment Protector (01.12)available onContract Version A(1) and B from April 30, 2012 through July 6, 2012, and onContract Version A and B from January 23, 2012 through April 27, 2012 | 1.30%               | Tenth Rider Anniversary                                            | Fifth Rider Anniversary                                          | 100%                                                  |
| Investment Protector (05.10)available onContract Version A and B from May 3, 2010 through January 20, 2012                                                                           | 1.25%               | Tenth Rider Anniversary                                            | Fifth Rider Anniversary                                          | 100%                                                  |
| Investment Protector (08.09)available onContract Version A from July 22, 2009 throughApril 30, 2010                                                                                       | 1.15%               | Tenth Rider Anniversary                                            | Fifth Rider Anniversary                                          | 95%                                                   |

| (1) | Available on Version A Contracts issued on or after April 1, 2009. |
|-----|--------------------------------------------------------------------|

----

| TABLE 1: Investment Protector Investment Option Groups                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Group A                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| AZL Federated Clover Small Value FundAZL Morgan Stanley Global Real Estate FundAZL MVP Fusion Growth FundAZL Oppenheimer Discovery FundAZL Schroder Emerging Markets Equity Fund                                                                                                                                                                                                                                                                                                                                                                           | AZL Small Cap Stock Index FundDavis VA Financial PortfolioFranklin Founding Funds Allocation VIP FundPIMCO VIT CommodityRealReturn Strategy Portfolio |
| Group B/X                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| AZL Balanced Index Strategy FundAZL BlackRock Capital Appreciation FundAZL Dreyfus Research Growth FundAZL Franklin Templeton Founding Strategy Plus FundAZL Gateway FundAZL Growth Index Strategy FundAZL International Index FundAZL Invesco Equity and Income FundAZL Invesco Growth and Income FundAZL Invesco International Equity FundAZL JPMorgan International Opportunities FundAZL JPMorgan U.S. Equity FundAZL MFS Investors Trust FundAZL MFS Mid Cap Value FundAZL MFS Value FundAZL Mid Cap Index FundAZL Morgan Stanley Mid Cap Growth Fund | AZL MVP Fusion Balanced FundAZL MVP Fusion Conservative FundAZL MVP Fusion Moderate FundAZL NFJ International Value FundAZL Russell 1000 Growth Index FundAZL Russell 1000 Value Index FundAZL S&P 500 Index FundAZL T. Rowe Price Capital Appreciation FundAllianz NFJ Dividend Value VIT PortfolioBlackRock Global Allocation V.I. FundFidelity VIP FundsManager 50% PortfolioFidelity VIP FundsManager 60% PortfolioFranklin Income VIP FundFranklin Mutual Shares VIP FundPIMCO EqS Pathfinder PortfolioPIMCO VIT All Asset PortfolioPIMCO VIT Global Multi-Asset Managed Allocation PortfolioTempleton Growth VIP Fund |
| Group Y                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| AZL Enhanced Bond Index FundAZL Money Market FundAZL Pyramis Core Bond FundFranklin High Income VIP FundFranklin U.S. Government Securities VIP FundJP Morgan Insurance Trust Core Bond PortfolioMFS VIT Research Bond Portfolio                                                                                                                                                                                                                                                                                                                           | PIMCO VIT Emerging Markets Bond PortfolioPIMCO VIT Global Advantage Strategy Bond PortfolioPIMCO VIT Global Bond Portfolio (Unhedged)PIMCO VIT High Yield PortfolioPIMCO VIT Real Return PortfolioPIMCO VIT Total Return PortfolioPIMCO VIT Unconstrained Bond PortfolioTempleton Global Bond VIP Fund |

----

| TABLE 2: Investment Protector                           |
|---------------------------------------------------------|
| Number of Rider Years* to the Initial Target Value Date | CV = 94%+ of TV | CV = 88% to < 94% of TV | CV = 82% to < 88% of TV | CV = 76% to < 82% of TV | CV = 70% to < 76% of TV | CV = 64% to < 70% of TV | CV = 58% to < 64% of TV | CV = 52% to < 58% of TV | CV = 46% to < 52% of TV | CV = 40% to < 46% of TV | CV = 34% to < 40% of TV | CV = 28% to < 34% of TV | CV = 22% to < 28% of TV | CV = 16% to < 22% of TV | CV = 10% to < 16% of TV | CV = 4% to < 10% of TV | CV < 4% of TV |
| 33+                                                     | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% |
| 32                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% |
| 31                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% |
| 30                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% |
| 29                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% |
| 28                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% |
| 27                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% |
| 26                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% |
| 25                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% |
| 24                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% |
| 23                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% |
| 22                                                      | 95% | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% |
| 21                                                      | 95% | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% |
| 20                                                      | 95% | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% |
| 19                                                      | 95% | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% |
| 18                                                      | 95% | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% |
| 17                                                      | 95% | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% |
| 16                                                      | 90% | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% |
| 15                                                      | 85% | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% |
| 14                                                      | 80% | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% |
| 13                                                      | 75% | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% |
| 12                                                      | 70% | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% |
| 11                                                      | 65% | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% |
| 10                                                      | 60% | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 9                                                       | 55% | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 8                                                       | 50% | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 7                                                       | 45% | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 6                                                       | 40% | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 5                                                       | 35% | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 4                                                       | 30% | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 3                                                       | 25% | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 2                                                       | 20% | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| 1                                                       | 15% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |
| Initial Target Value Date and beyond                    | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% | 10% |

| * | We round the number of years until the initial Target Value Date up to the next whole number. For example, when you are seven Rider Years and four months away from your initial Target Value Date, in this table you are eight Rider Years from the initial Target Value Date. |
|---|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| TABLE 3: Investment Protector                                             |
|---------------------------------------------------------------------------|
| When the maximum % of Contract Value allowed inGroups A and B/X is… | then the maximum % of Contract Value allowed inGroup A is… | and the minimum % ofContract Value required inGroup Y is… |
| 95%                                                                       | 30% | 5% |
| 90%                                                                       | 30% | 10% |
| 85%                                                                       | 25% | 15% |
| 80%                                                                       | 25% | 20% |
| 75%                                                                       | 20% | 25% |
| 70%                                                                       | 20% | 30% |
| 65%                                                                       | 15% | 35% |
| 60%                                                                       | 15% | 40% |
| 55%                                                                       | 10% | 45% |
| 50%                                                                       | 10% | 50% |
| 45%                                                                       | 5% | 55% |
| 40%                                                                       | 5% | 60% |
| 35%                                                                       | 5% | 65% |
| 30%                                                                       | 5% | 70% |
| 25%                                                                       | 5% | 75% |
| 20%                                                                       | 5% | 80% |
| 15%                                                                       | 5% | 85% |
| 10%                                                                       | 5% | 90% |

----

| 1. | Your current future allocation instructions comply with the new maximum allowed and new minimum required group allocations. No change to your future allocation instructions. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | Your current future allocation instructions for Group A comply with the new maximum allowed allocation, but your current future allocation instructions for Group B/X Investment Options are greater than the new maximum allowed allocation. No change to your Group A future allocation instructions, but we decrease the required allocation for Group B/X to equal the new maximum allowed allocation. We then take the excess from Group B/X (your future allocation instructions for Group B/X minus the new maximum allowed allocation) and apply it to Group Y. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | Your current future allocation instructions for Group A are greater than the new maximum allowed allocation. We decrease the required allocation for Group A to equal the new maximum allowed allocation. We then take the excess from Group A (your future allocation instructions for Group A minus the new maximum allowed allocation) and reallocate it as follows. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | a) | If your future allocation instructions for Group B/X are less than the new maximum allowed allocation for these groups, the new required allocation is equal to your future allocation instructions for Group B/X, plus the excess from Group A, subject to the new maximum allowed allocation for the Group B/X. We then apply any remaining excess allocation from Group A to Group Y. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | b) | If your future allocation instructions for Group B/X are greater than or equal to the new maximum allowed allocation for this group, then we decrease the new required allocation for Group B/X to equal the new maximum allowed allocation. We then take any excess allocation from Group B/X (your future allocation instructions for Group B/X minus the new maximum allowable allocation), plus any excess allocation from Group A, and apply it all to Group Y. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | where: |
|--------|--------|

|   | a = | The new required group allocation for the current Quarterly Anniversary. |
|--------|-----|--------------------------------------------------------------------------|

|   | b = | The required allocation for each Investment Option at the end of the prior Business Day. |
|--------|-----|------------------------------------------------------------------------------------------|

|   | c = | The required group allocation at the end of the prior Business Day. |
|--------|-----|---------------------------------------------------------------------|

| · | For Contracts with the Bonus Option, we rebalance the Bonus Value using the same percentages we use to rebalance your Contract Value. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------|

| · | In any twelve-month period, we cannot reduce the maximum allowed Contract Value allocation in Group A by more than 10%, and in combined Groups A and B/X by more than 15%. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Unless the maximum allowed allocation for combined Groups A and B/X changes, the maximum allowed allocation for Group A and the minimum required allocation for Group Y do not change. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | We may move all of your Contract Value out of one or more of your selected Investment Options. However, we send you a transaction confirmation each time we move Contract Value between Investment Options. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Unless you reset the initial Target Value Date, the maximum allowed in Group A, and in combined Groups A and B/X never increases. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------|

| · | If you allocate less than the maximum allowed to combined Groups A and B/X, you may be subject to fewer Investment Option reallocations. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------|

|   |   |
|--------|--------|

----

|   | APPENDIX K – CHARGE LOCK OPTION EXAMPLES |
|--------|------------------------------------------------|

|   |   |
|--------|--------|

----

|   | APPENDIX L – RATE SHEET PROSPECTUS SUPPLEMENT |
|--------|-----------------------------------------------------|

| · | Annual Increase Percentage, |
|--------|-----------------------------|

| · | Guarantee Years, and |
|--------|----------------------|

| · | Payment Percentages |
|--------|---------------------|

|   | that we are currently offering for the Income Protector rider. |
|--------|----------------------------------------------------------------|

| Annual Increase Percentage used to calculate the Annual Increase | Number of Guarantee Years used to calculate the Annual Increase | Payment Percentages used to calculateannual maximum Lifetime Plus Payments                                                                                                                                                                                                                                                                                                                            |
|------------------------------------------------------------------|-----------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 6%,which is 1.5% applied quarterly                               | 30                                                              | Covered Person’s age for single Lifetime Plus Payments60 – 64                4.0%65 – 79                4.5%80+                5.5% | Younger Covered Person’s age for joint Lifetime Plus Payments60 – 64                 3.5%65 – 79                 4.0%80+                 5.0% |

| · | The minimum exercise age that Lifetime Plus Payments can begin is the youngest age listed in this Payment Percentages table. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------|

| · | On the Rider Effective Date we establish your Contract’s Annual Increase Percentage, Guarantee Years, and Payment Percentages and we cannot reduce these values while your benefit is in effect. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| · | Earliest Anniversary, |
|--------|-----------------------|

| · | Future Anniversary, and |
|--------|-------------------------|

| · | Guarantee Percentage |
|--------|----------------------|

|   | that we are currently offering for the Investment Protector rider. |
|--------|--------------------------------------------------------------------|

| Earliest Anniversary used to determine the initial Target Value Date | Subsequent Future Anniversary used to determine subsequent Target Value Dates | Guarantee Percentage used tocalculate the Target Value |
|----------------------------------------------------------------------|-------------------------------------------------------------------------------|--------------------------------------------------------|
| Tenth Rider Anniversary                                              | Fifth Rider Anniversary                                                       | 80%                                                    |

|   |   |
|--------|--------|

----

|   | FOR SERVICE OR MORE INFORMATION |
|--------|---------------------------------|

|   | Public Reference Section of the Commission |
|--------|--------------------------------------------|

|   | 100 F Street, NE |
|--------|------------------|

|   | Washington, DC 20549 |
|--------|----------------------|

| Send an additional Purchase Payment with a check: | Send general customer service without a check:  |
|---------------------------------------------------|-------------------------------------------------|
| REGULAR MAIL                                      | REGULAR MAIL                                    |
| Allianz Life Insurance Company of North America   | Allianz Life Insurance Company of North America |
| NW5989                                            | P.O. Box 561                                    |
| P.O. Box 1450                                     | Minneapolis, MN 55440-0561                      |
| Minneapolis, MN 55485-5989                        |                                            |
|                                              |                                            |
| OVERNIGHT, CERTIFIED, OR REGISTERED MAIL          | OVERNIGHT, CERTIFIED, OR REGISTERED MAIL        |
| Allianz Life Insurance Company of North America   | Allianz Life Insurance Company of North America |
| NW5989                                            | 5701 Golden Hills Drive                         |
| 1801 Parkview Drive                               | Golden Valley, MN 55416-1297                    |
| Shoreview, MN 55126                               |                                            |

----

|   | PART B – SAI |
|--------|--------------------|

| Allianz Life…………………………………………………………….         | 2      | Income Tax Withholding……………………………..                          | 8      |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------------------------------------------------|--------|
| Experts………………………………………………………………… | 2      | Multiple Contracts…………………………………….          | 9      |
| Legal Opinions………………………………………………………..                    | 2      | Partial 1035 Exchanges………………………………                     | 9      |
| Distributor……………………………………………………………..         | 2      | Assignments, Pledges and Gratuitous Transfers….                                                                          | 9      |
| Federal Tax Status…………………………………………………..                              | 3      | Death Benefits………………………………………… | 9      |
| Annuity Contracts in General……………………………………                                                         | 3      | Spousal Continuation and the Federal Defense of                                                                                |   |
| Taxation of Annuities in General………………………………..                                                                 | 3      | Marriage Act (DOMA)………………………….                                     | 9      |
| Qualified Contracts……………………………………………….                                     | 4      | Federal Estate Taxes…………………………………                | 10     |
| Purchasing a Qualified Contract………………………………..                                                                  | 5      | Generation-Skipping Transfer Tax………………….                                             | 10     |
| Distributions Qualified Contracts………………………………..                                                                | 6      | Foreign Tax Credits…………………………………..               | 10     |
| Distributions Non-Qualified Contracts………………………….                                                                           | 7      | Possible Tax Law Changes………………………….                                | 10     |
| Required Distributions……………………………………………                                          | 7      | Annuity Payments………………………………………..    | 10     |
| Diversification……………………………………………………..                          | 8      | Annuity Payment Options……………………………                           | 10     |
| Owner Control…………………………………………………….                             | 8      | Annuity Units/Calculating Variable Annuity                                                                                     |   |
| Contracts Owned by Non-Individuals…………………………..                                                                             | 8      | Payments………………………….…………….            | 12     |
| Annuity Purchases by Nonresident Aliens and                                                                                                                                            |   | Financial Statements…………………………………….        | 13     |
| Foreign Corporations……………………...........................                                                                                | 8      | Appendix A  – Death of the Owner and/or Annuitant…                                                       | 13     |
|                                                                                                                                                                                   |   | Appendix B  – Condensed Financial Information                                                                  | 16     |

----

|   | ALLIANZ LIFE |
|--------|--------------|

|   | EXPERTS |
|--------|---------|

|   | LEGAL OPINIONS |
|--------|----------------|

|   | DISTRIBUTOR |
|--------|-------------|

| Calendar Year | Aggregate Amount of Commissions Paid toAllianz Life Financial                                                              | Aggregate Amount of Commissions Retained by Allianz Life Financial After Payments to Selling Firms |
|---------------|----------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------|
| 2012          | $256,459,224.79                                                                                                            | $0                                                                                                 |
| 2013          | $263,039,138.09                                                                                                            | $0                                                                                                 |
| 2014          | [                    ] | $0                                                                                                 |

----

| Firm Name |
|-----------|
|      |
|      |
|      |
|      |
|      |

|   | FEDERAL TAX STATUS |
|--------|--------------------|

----

| · | Traditional Individual Retirement Annuity. Section 408 of the Code permits eligible individuals to maintain Individual Retirement Annuities (IRAs). IRA contributions are limited each year to the lesser of a dollar amount specified in the Code or 100% of the amount of earned income included in the Owner’s income. You cannot make contributions once the Owner reaches age 70½. Contributions may be tax deductible based on the Owner’s income. The limit on the amount contributed to an IRA does not apply to distributions from certain other types of qualified plans that are “rolled over” on a tax-deferred basis into an IRA. Purchasers of a Contract for use with IRAs have the right to revoke their purchase within seven days of the earlier of the establishment of the IRA or their purchase. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Roth IRA. Section 408A of the Code permits certain eligible individuals to contribute to a Roth IRA. Contributions to a Roth IRA are limited each year to the lesser of a dollar amount specified in the Code or 100% of the amount of earned income included in the Owner’s income. Contributions are also limited or prohibited if the Owner’s income is above certain limits. Contributions must be made in cash or as a rollover or transfer from another Roth IRA. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Conversions to a Roth IRA from a Traditional IRA or other eligible qualified retirement plan are permitted regardless of an individual’s income. A conversion to a Roth IRA results in a taxable event, but not a 10% additional federal tax for early withdrawal if certain qualifications are met (please consult your tax adviser for more details). |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Distributions from a Roth IRA generally are not subject to income tax if the Roth IRA has been held for five years (starting with the year in which the first contribution is made to any Roth IRA) and the Owner satisfies a triggering event such as attaining age 59½, death, disability or a first time homebuyer (subject to a $10,000 lifetime limit). |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Distribution before satisfying the five year period or triggering event requirement may subject the distribution to ordinary income tax and the 10% additional federal tax for early withdrawal. Please be aware that each Roth IRA conversion has its own five year holding period requirement. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Inherited IRA. The Code permits beneficiaries of investments that were issued under certain tax-qualified pension or retirement plans to directly transfer the death benefit from that investment into a variable annuity contract (Inherited IRA Contract). Inherited IRA Contracts must satisfy the required minimum distribution rules that apply to a beneficiary. Inherited IRA Contracts are not currently available under this Contract. However, that may change in the future. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Simplified Employee Pension (SEP) IRA. Employers may establish Simplified Employee Pension (SEP) IRAs under Code Section 408(k) to provide IRA contributions on behalf of their employees. In addition to all of the general rules governing IRAs, such plans are subject to additional requirements and different contribution limits. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| 1) | distributions made on or after the date you (or the Annuitant as applicable) reach age 59½; |
|----|--------------------------------------------------------------------------------------------------|

| 2) | distributions following your death or disability (or the Annuitant as applicable) (for this purpose disability is as defined in Section 72(m)(7) of the Code); |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3) | distributions paid in a series of substantially equal payments made annually (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary; |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4) | distributions made to you after separation from service after reaching age 55 (does not apply to IRAs); |
|----|---------------------------------------------------------------------------------------------------------|

| 5) | distributions made to you to the extent such distributions do not exceed the amount allowed as a deduction under Code Section 213 for amounts paid during the tax year for medical care; |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6) | distributions made on account of an IRS levy upon the Qualified Contract; |
|----|---------------------------------------------------------------------------|

| 7) | distributions from an IRA for the purchase of medical insurance (as described in Section 213(d)(1)(D) of the Code) for you and your spouse and dependents if you have received unemployment compensation for at least 12 weeks (this exception will no longer apply after you have been re-employed for at least 60 days); |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8) | distributions from an IRA made to you, to the extent such distributions do not exceed your qualified higher education expenses (as defined in Section 72(t)(7) of the Code) for the tax year; |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9) | distributions from an IRA which are qualified first-time homebuyer distributions (as defined in Section 72(t)(8) of the Code); |
|----|--------------------------------------------------------------------------------------------------------------------------------|

| 10) | distributions made to an alternate Payee pursuant to a qualified domestic relations order (does not apply to an IRA); and |
|-----|---------------------------------------------------------------------------------------------------------------------------|

| 11) | distributions made to a reservist called to active duty after September 11, 2001, for a period in excess of 179 days (or for an indefinite period), from IRAs or amounts attributable to elective deferrals under a 401(k) plan made during such active period. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1) | paid on or after you reach age 59½; |
|----|------------------------------------------|

| 2) | paid after you die; |
|----|---------------------|

| 3) | paid if you become totally disabled (as that term is defined in Section 72(m)(7) of the Code); |
|----|------------------------------------------------------------------------------------------------|

| 4) | paid in a series of substantially equal payments made annually (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary; |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5) | paid as annuity payments under an immediate annuity; or |
|----|---------------------------------------------------------|

| 6) | that come from Purchase Payments made before August 14, 1982. |
|----|---------------------------------------------------------------|

----

| · | a series of substantially equal payments made at least annually for the life or life expectancy of the participant or joint and last survivor expectancy of the participant and a designated Beneficiary, or for a specified period of ten years or more; or |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | required minimum distributions; or |
|--------|------------------------------------|

| · | any part of a distribution not included in gross income (for example, returns of after-tax contributions); or |
|--------|---------------------------------------------------------------------------------------------------------------|

| · | hardship withdrawals. |
|--------|-----------------------|

----

----

|   | ANNUITY PAYMENTS |
|--------|------------------|

| · | Under Annuity Options 1 and 3, the death of the last surviving Annuitant. |
|--------|---------------------------------------------------------------------------|

| · | Under Annuity Options 2 and 4, the death of the last surviving Annuitant and expiration of the guaranteed period. If we make a lump sum payment of the remaining guaranteed Annuity Payments at the death of the last surviving Annuitant, this portion of the Contract ends upon payment of the lump sum. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Under Annuity Option 5, the death of the Annuitant and payment of any lump sum refund. |
|--------|----------------------------------------------------------------------------------------|

| · | When the Contract ends. |
|--------|-------------------------|

----

----

| (A)  = | annuity unit value of the subaccount for that given Investment Option when due proof of the Annuitant’s death is received at our Service Center. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| (B)  = | The amount applied to variable Annuity Payments on the Income Date. |
|------------------|---------------------------------------------------------------------|

| (C)  = | Allocation percentage in a given subaccount (in decimal form) when due proof of the Annuitant’s death is received at our Service Center. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------|

| (D)  = | The number of annuity units used in determining each variable Annuity Payment attributable to that given subaccount when due proof of the Annuitant’s death is received at our Service Center. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (E)  = | Dollar value of first variable Annuity Payment. |
|------------------|-------------------------------------------------|

| (F)  = | Number of variable Annuity Payments made since the Income Date. |
|------------------|-----------------------------------------------------------------|

| · | The Contract has one Owner who is a 65-year-old male. He selects variable Annuity Payments under Annuity Option 5 based on a Contract Value of $100,000 (item “B”). |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Owner who is also the Annuitant allocates all the Contract Value to one Investment Option, so the allocation percentage in this subaccount is 100% (item “C”). |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The purchase rate for the selected assumed investment rate is $6.15 per month per thousand dollars of Contract Value annuitized. Therefore, the first variable Annuity Payment is:  $6.15 x ($100,000 / $1,000) = $615 (item “E”). |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | Assume the annuity unit value on the Income Date is $12, then the number of annuity units used in determining each Annuity Payment is:  $615 / $12 = 51.25 (item “D”). |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | The Owner who is also the Annuitant dies after receiving 62 Annuity Payments (item “F”) and the annuity unit value for the subaccount on the date the Service Center receives due proof of death is $10 (item “A”). |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| · | we multiply the annuity unit value for the immediately preceding Business Day by the net investment factor for the current Business Day; and |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------|

| · | divide by the assumed net investment factor for the current Business Day. |
|--------|---------------------------------------------------------------------------|

----

|   | FINANCIAL STATEMENTS |
|--------|----------------------|

|   | APPENDIX A – DEATH OF THE OWNER AND/OR ANNUITANT |
|--------|--------------------------------------------------------|

| UPON THE DEATH OF A SOLE OWNER                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Action under any portion of the Contractthat is in the Accumulation Phase                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | Action under any portion of the Contractthat is in the Annuity Phase |
| ·We pay a death benefit to the Beneficiary unless the Beneficiary is the surviving spouse and continues the Contract.  If you selected a Target Date Benefit or Investment Protector, this benefit ends unless the Contract is continued by a surviving spouse. If you selected a Lifetime Benefit, Income Protector or Income Focus, this benefit and any lifetime payments end unless the Contract is continued by a surviving spouse who is also both a Beneficiary and Covered Person. For a description of the death benefit and payout options, see prospectus section 10, Death Benefit - Death Benefit Payment Options During the Accumulation Phase.·The death benefit is the greater of the Contract Value or the guaranteed death benefit value. The guaranteed death benefit value is total Purchase Payments adjusted for withdrawals under the Traditional Death Benefit, or the Quarterly Anniversary Value under the Quarterly Value Death Benefit.·If a surviving spouse Beneficiary continues the Contract, as of the end of the Business Day we receive their Valid Claim:–we increase the Contract Value to equal the guaranteed death benefit value if greater, and the death benefit continues to be available to the surviving spouse’s Beneficiary(s),–the surviving spouse becomes the new Owner, and–the Accumulation Phase continues. | · The Beneficiary becomes the Payee. If we are still required to make Annuity Payments under the selected Annuity Option, the Beneficiary also becomes the new Owner. ·If the deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable.·If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows.–Annuity Option 1 or 3, payments end.–Annuity Option 2 or 4, payments end either when the guaranteed period expires, or when we pay any final lump sum.–Annuity Option 5,  payments end and the Payee may receive a lump sum refund.·If the deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable. |

----

| UPON THE DEATH OF A JOINT OWNER(NOTE: Joint Owners cannot take Partial Annuitizations)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Action under any portion of the Contractthat is in the Accumulation Phase                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Action under any portion of the Contractthat is in the Annuity Phase |
| ·The surviving Joint Owner is the sole primary Beneficiary. If the Joint Owners were spouses there may also be contingent Beneficiaries.·We pay a death benefit to the surviving Joint Owner unless he or she is the surviving spouse and continues the Contract. If you selected a Target Date Benefit or Investment Protector, this benefit ends unless the Contract is continued by the surviving Joint Owner who is also a surviving spouse. If you selected a Lifetime Benefit, Income Protector or Income Focus, this benefit and any lifetime payments end unless the Contract is continued by the surviving Joint Owner who is also both the surviving spouse and a Covered Person. This means lifetime payments may end even if a Covered Person is still alive. For a description of the death benefit and payout options, see prospectus section 10, Death Benefit - Death Benefit Payment Options During the Accumulation Phase.·The death benefit is the greater of the Contract Value or the guaranteed death benefit value. The guaranteed death benefit value is total Purchase Payments adjusted for withdrawals under the Traditional Death Benefit, or the Quarterly Anniversary Value under the Quarterly Value Death Benefit.·If a surviving Joint Owner who is also a surviving spouse continues the Contract, as of the end of the Business Day we receive their Valid Claim:–we increase the Contract Value to equal the guaranteed death benefit value if greater, and the death benefit continues to be available to the surviving spouse’s Beneficiary(s),–the surviving Joint Owner/spouse becomes the new Owner, and–the Accumulation Phase continues. | · If we are still required to make Annuity Payments under the selected Annuity Option, the surviving Joint Owner becomes the sole Owner. ·If the deceased was not an Annuitant, Annuity Payments to the Payee continue. No death benefit is payable.·If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows.–Annuity Option 1  or 3, payments end.–Annuity Option 2 or 4, payments end either when the guaranteed period expires, or when we pay any final lump sum.–Annuity Option 5,  payments end and the Payee may receive a lump sum refund.·If the deceased was an Annuitant and there is a surviving joint Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant. No death benefit is payable. |

----

| UPON THE DEATH OF AN ANNUITANT AND THERE IS NO SURVIVING JOINT ANNUITANT                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Action under any portion of the Contractthat is in the Accumulation Phase                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Action under any portion of the Contractthat is in the Annuity Phase |
| ·If the deceased Annuitant was not an Owner, and the Contract is owned only by an individual(s), we do not pay a death benefit. The Owner can name a new Annuitant subject to our approval.·If the deceased Annuitant was a sole Owner, we pay a death benefit as discussed in the “Upon the Death of a Sole Owner” table. If the Contract is continued by a suviving spouse, the new spouse Owner can name a new Annuitant subject to our approval.·If the deceased Annuitant was a Joint Owner , we pay a death benefit as discussed in the “Upon the Death of a Joint Owner” table. If the Contract is continued by a suviving Joint Owner who is also a surviving spouse, the surviving Joint Owner can name a new Annuitant subject to our approval.·If the Contract is owned by a non-individual, we treat the death of the Annuitant as the death of a sole Owner, and we pay a death benefit as discussed in the “Upon the Death of a Sole Owner” table. NOTE: For non-individually owned Contracts, spousal continuation is only available if the Contract is Qualified, owned by a qualified plan or a custodian, and the suviving spouse is named as the sole contingent Beneficiary. | ·If the deceased was the only surviving Annuitant, Annuity Payments end or continue as follows.–Annuity Option 1  or 3, payments end.–Annuity Option 2 or 4, payments end either when the guaranteed period expires, or when we pay any final lump sum.–Annuity Option 5, payments end and the Payee may receive a lump sum refund.· If we are still required to make Annuity Payments under the selected Annuity Option and the deceased was a sole Owner, the Beneficiary becomes the new sole Owner. ·If we are still required to make Annuity Payments under the selected Annuity Option and the deceased was a Joint Owner, the surviving Joint Owner becomes the sole Owner. |
| UPON THE DEATH OF THE ANNUITANT DURING THE ANNUITY PHASE AND THERE IS A SURVIVING JOINT ANNUITANT(NOTE: We only allow joint Annuitants on Full Annuitization)                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                                                          |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ·Only Annuity Options 3 and 4 allow joint Annuitants. Under Annuity Options 3, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant . Under Annuity Option 4, Annuity Payments to the Payee continue untile either the guaranteed period expires, or when we pay any final lump sum. | ·   No death benefit is payable.·    If we are still required to make Annuity Payments under the selected Annuity Option and the deceased was a sole Owner, the Beneficiary becomes the new Owner. ·   If we are still required to make Annuity Payments under the selected Annuity Option and the deceased was a Joint Owner, the surviving Joint Owner becomes the sole Owner . |   |

----

|   | APPENDIX B – CONDENSED FINANCIAL INFORMATION |
|--------|----------------------------------------------------|

| Base Contract and Optional Benefits as follows:                  | M&E Charge |
|------------------------------------------------------------------|----------------|
| Quarterly Value Death Benefit                                    | 1.70%          |
| Bonus Option                                                     | 1.70%          |
| Short Withdrawal Charge Option                                   | 1.65%          |
| No Withdrawal Charge Option                                      | 1.75%          |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option | 1.95%          |
| Quarterly Value Death Benefit and No Withdrawal Charge Option    | 2.05%          |

| Base Contract with Lifetime Plus Benefit (available from May 1, 2007 through January 23, 2009)and Optional Benefits: | Payment Type | M&E Charge(1) | M&E Charge(2) |
|----------------------------------------------------------------------------------------------------------------------|--------------|-------------------|-------------------|
| Without Optional Benefits                                                                                            | single       | 2.10%             | 2.60%             |
| Quarterly Value Death Benefit                                                                                        | single       | 2.40%             | 2.90%             |
| Bonus Option                                                                                                         | single       | 2.40%             | 2.90%             |
| Short Withdrawal Charge Option                                                                                       | single       | 2.35%             | 2.85%             |
| No Withdrawal Charge Option                                                                                          | single       | 2.45%             | 2.95%             |
| Quarterly Value Death Benefit and Bonus Option                                                                       | single       | 2.70%             | 3.20%             |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                     | single       | 2.65%             | 3.15%             |
| Quarterly Value Death Benefit and No Withdrawal Charge Option                                                        | single       | 2.75%             | 3.25%             |
| Without Optional Benefits                                                                                            | joint        | 2.25%             | 2.75%             |
| Quarterly Value Death Benefit                                                                                        | joint        | 2.55%             | 3.05%             |
| Bonus Option                                                                                                         | joint        | 2.55%             | 3.05%             |
| Short Withdrawal Charge Option                                                                                       | joint        | 2.50%             | 3.00%             |
| No Withdrawal Charge Option                                                                                          | joint        | 2.60%             | 3.10%             |
| Quarterly Value Death Benefit and Bonus Option                                                                       | joint        | 2.85%             | 3.35%             |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                     | joint        | 2.80%             | 3.30%             |
| Quarterly Value Death Benefit and No Withdrawal Charge Option                                                        | joint        | 2.90%             | 3.40%             |

| Base Contract with Lifetime Plus II Benefit or Lifetime Plus 10 Benefit(both available from January 26, 2009 through March 31, 2009) and Optional Benefits: | Payment Type | M&E Charge(1) | M&E Charge(2) |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|-------------------|-------------------|
| Without Optional Benefits                                                                                                                                   | single       | 2.35%             | 2.60%             |
| Quarterly Value Death Benefit                                                                                                                               | single       | 2.65%             | 2.90%             |
| Bonus Option                                                                                                                                                | single       | 2.65%             | 2.90%             |
| Short Withdrawal Charge Option                                                                                                                              | single       | 2.60%             | 2.85%             |
| No Withdrawal Charge Option                                                                                                                                 | single       | 2.70%             | 2.95%             |
| Quarterly Value Death Benefit and Bonus Option                                                                                                              | single       | 2.95%             | 3.20%             |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                                                            | single       | 2.90%             | 3.15%             |
| Quarterly Value Death Benefit and No Withdrawal Charge Option                                                                                               | single       | 3.00%             | 3.25%             |
| Without Optional Benefits                                                                                                                                   | joint        | 2.50%             | 2.75%             |
| Quarterly Value Death Benefit                                                                                                                               | joint        | 2.80%             | 3.05%             |
| Bonus Option                                                                                                                                                | joint        | 2.80%             | 3.05%             |
| Short Withdrawal Charge Option                                                                                                                              | joint        | 2.75%             | 3.00%             |
| No Withdrawal Charge Option                                                                                                                                 | joint        | 2.85%             | 3.10%             |
| Quarterly Value Death Benefit and Bonus Option                                                                                                              | joint        | 3.10%             | 3.35%             |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                                                            | joint        | 3.05%             | 3.30%             |
| Quarterly Value Death Benefit and No Withdrawal Charge Option                                                                                               | joint        | 3.15%             | 3.40%             |

----

| Base Contract with Lifetime Plus II Benefit(available from November 12, 2007 through January 23, 2009)or Lifetime Plus 10 Benefit(available from July 17, 2008 through  January 23, 2009)and Optional Benefits: | Payment Type | M&E Charge(1)(before payments begin) | M&E Charge(1)(after payments begin) | M&E Charge(2)(before payments begin) | M&E Charge(2)(after payments begin) |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|------------------------------------------|-----------------------------------------|------------------------------------------|-----------------------------------------|
| Without Optional Benefits                                                                                                                                                                                                 | single       | 2.20%                                    | 2.10%                                   | 2.60%                                    | 2.50%                                   |
| Quarterly Value Death Benefit                                                                                                                                                                                             | single       | 2.50%                                    | 2.40%                                   | 2.90%                                    | 2.80%                                   |
| Bonus Option                                                                                                                                                                                                              | single       | 2.50%                                    | 2.40%                                   | 2.90%                                    | 2.80%                                   |
| Short Withdrawal Charge Option                                                                                                                                                                                            | single       | 2.45%                                    | 2.35%                                   | 2.85%                                    | 2.75%                                   |
| No Withdrawal Charge Option                                                                                                                                                                                               | single       | 2.55%                                    | 2.45%                                   | 2.95%                                    | 2.85%                                   |
| Quarterly Value Death Benefit and Bonus Option                                                                                                                                                                            | single       | 2.80%                                    | 2.70%                                   | 3.20%                                    | 3.10%                                   |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                                                                                                                          | single       | 2.75%                                    | 2.65%                                   | 3.15%                                    | 3.05%                                   |
| Quarterly Value Death Benefit and No Withdrawal Charge Option                                                                                                                                                             | single       | 2.85%                                    | 2.75%                                   | 3.25%                                    | 3.15%                                   |
| Without Optional Benefits                                                                                                                                                                                                 | joint        | 2.35%                                    | 2.25%                                   | 2.75%                                    | 2.65%                                   |
| Quarterly Value Death Benefit                                                                                                                                                                                             | joint        | 2.65%                                    | 2.55%                                   | 3.05%                                    | 2.95%                                   |
| Bonus Option                                                                                                                                                                                                              | joint        | 2.65%                                    | 2.55%                                   | 3.05%                                    | 2.95%                                   |
| Short Withdrawal Charge Option                                                                                                                                                                                            | joint        | 2.60%                                    | 2.50%                                   | 3.00%                                    | 2.90%                                   |
| No Withdrawal Charge Option                                                                                                                                                                                               | joint        | 2.70%                                    | 2.60%                                   | 3.10%                                    | 3.00%                                   |
| Quarterly Value Death Benefit and Bonus Option                                                                                                                                                                            | joint        | 2.95%                                    | 2.85%                                   | 3.35%                                    | 3.25%                                   |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                                                                                                                          | joint        | 2.90%                                    | 2.80%                                   | 3.30%                                    | 3.20%                                   |
| Quarterly Value Death Benefit and No Withdrawal Charge Option                                                                                                                                                             | joint        | 3.00%                                    | 2.90%                                   | 3.40%                                    | 3.30%                                   |

| (1) | Had no qualifying event or had a qualifying event, but declined the M&E charge increase. |
|-----|----------------------------------------------------------------------------------------------|

| (2) | Had a qualifying event and accepted the M&E charge increase. |
|-----|------------------------------------------------------------------|

| Base Contract with Target Date Retirement Benefit(available from March 17, 2008 through January 23, 2009)and Optional Benefits: | M&E Charge | Base Contract with Target Date 10 Benefit(available from January 26, 2009 through March 31, 2009)and Optional Benefits: | M&E Charge |
|---------------------------------------------------------------------------------------------------------------------------------|----------------|-------------------------------------------------------------------------------------------------------------------------|----------------|
| Without Optional Benefits                                                                                                       | 1.80%          | Without Optional Benefits                                                                                               | 1.95%          |
| Quarterly Value Death Benefit                                                                                                   | 2.10%          | Quarterly Value Death Benefit                                                                                           | 2.25%          |
| Bonus Option                                                                                                                    | 2.10%          | Bonus Option                                                                                                            | 2.25%          |
| Short Withdrawal Charge Option                                                                                                  | 2.05%          | Short Withdrawal Charge Option                                                                                          | 2.20%          |
| No Withdrawal Charge Option                                                                                                     | 2.15%          | No Withdrawal Charge Option                                                                                             | 2.30%          |
| Quarterly Value Death Benefit and Bonus Option                                                                                  | 2.40%          | Quarterly Value Death Benefit and Bonus Option                                                                          | 2.55%          |
| Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                                | 2.35%          | Quarterly Value Death Benefit and Short Withdrawal Charge Option                                                        | 2.50%          |
| Quarterly Value Death Benefit and No Withdrawal Charge Option                                                                   | 2.45%          | Quarterly Value Death Benefit and No Withdrawal Charge Option                                                           | 2.60%          |

----

|   | PART C – OTHER INFORMATION |
|--------|----------------------------------|

| a.     | Financial Statements [TO BE FILED BY AMENDMENT]                                                                                                                                                                                                                                                   |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| b.     | Exhibits                                                                                                                                                                                                                                                                                          |
| 1.     | Resolution of Board of Directors of the Company authorizing the establishment of the Separate Account, dated May 31, 1985 incorporated by reference as exhibit EX-99.B1. from Registrant's initial filing on Form N-4 (File Nos. 333-06709 and 811-05618), electronically filed on June 25, 1996. |
| 2.     | Not Applicable                                                                                                                                                                                                                                                                                    |
| 3.     | a.                                                                                                                                                                                                                                                                                                | Principal Underwriter Agreement by and between North American Life and Casualty Company on behalf of NALAC Financial Plans, Inc. dated September 14, 1988 incorporated by reference as exhibit EX-99.B3.a. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-06709 and 811-05618), electronically filed on December 13, 1996.(North American Life and Casualty Company is the predecessor to Allianz Life Insurance Company of North America. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life Financial Services, LLC.) |
|   | b.                                                                                                                                                                                                                                                                                                | Broker-Dealer Agreement (amended and restated) between Allianz Life Insurance Company of North America and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX-99B3b. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-166408 and 811-05618), electronically filed on September 24, 2010. |
|   | c.                                                                                                                                                                                                                                                                                                | The current specimen of the selling agreement between Allianz Life Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is incorporated by reference as exhibit EX-99.B3.b. from Registrant's initial filing on Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on May 19, 2006.The underwriter has executed versions of the agreement with approximately 2,100 retail brokers. |
| 4.     | a.                                                                                                                                                                                                                                                                                                | Individual Variable Annuity “Base” Contract-L40529 incorporated by reference as exhibit EX-99.B4.a. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 9, 2007. |
|   | b.                                                                                                                                                                                                                                                                                                | Individual Variable Annuity “Bonus” Contract-L40530 incorporated by reference as exhibit EX-99.B4.b. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 9, 2007. |
|   | c.                                                                                                                                                                                                                                                                                                | Schedule Pages-S40776 to S40783 combined incorporated by reference as exhibit EX-99.B4.c. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on July 17, 2008. |
|   | d.                                                                                                                                                                                                                                                                                                | Schedule Pages-S40776-01 to S40813 combined incorporated by reference as exhibit EX-99.B4.d. from Post-Effective Amendment No. 21 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 23, 2010. |
|   | e.                                                                                                                                                                                                                                                                                                | Schedule Pages-Investment Options-S40788,S40789, S40796 combined incorporated by reference as exhibit EX-99.B4.d. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on July 17, 2008. |
|   | f.                                                                                                                                                                                                                                                                                                | Schedule Pages-Investment Options-S40796-01 to S40805-DP combined incorporated by reference as exhibit EX-99.B4.f. from Post-Effective Amendment No. 21 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 23, 2010. |
|   | g.                                                                                                                                                                                                                                                                                                | Schedule Pages Investment Plus-S40828,S40829,S40830 incorporated by reference as exhibit EX-99.B4.g. from Post-Effective Amendment No. 24 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on December 22, 2010. |
|   | h.                                                                                                                                                                                                                                                                                                | Asset Allocation Rider-S4074 incorporated by reference as exhibit EX-99.B4.d. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 9, 2007. |
|   | i.                                                                                                                                                                                                                                                                                                | Asset Allocation Rider-S40741-02 and S40766-02 combined incorporated by reference as exhibit EX-99.B4.h. from Post-Effective Amendment No. 21 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 23, 2010. |
|   | j.                                                                                                                                                                                                                                                                                                | Asset Allocation Rider- S40766-03 and Investment Options -S40789-3 for Investment Protector incorporated by reference as exhibit EX-99.B4.h. from Post-Effective Amendment No. 9 to Registrant’s Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on June 7, 2012. |
|   | k.                                                                                                                                                                                                                                                                                                | Lifetime Plus Benefit Rider-S40742-02 incorporated by reference as exhibit EX-99.B4.f. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on July 17, 2008. |
|   | l.                                                                                                                                                                                                                                                                                                | Lifetime Plus II Benefit Rider-S40761-01 incorporated by reference as exhibit EX-99.B4.g. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on July 17, 2008. |
|   | m.                                                                                                                                                                                                                                                                                                | Lifetime Plus 10 Benefit Rider-S40795-02 incorporated by reference as exhibit EX-99.B4.h. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on July 17, 2008. |
|   | n.                                                                                                                                                                                                                                                                                                | Income Protector (08.09) Rider-S40799 incorporated by reference as exhibit EX-99.B4.l. from Post-Effective Amendment No. 21 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 23, 2010. |
|   | o.                                                                                                                                                                                                                                                                                                | Income Protector Charge Lock Option Rider-S40882 and Contract Schedule-S40884 incorporated by reference as exhibit EX-99.B4.d. from Post-Effective Amendment No. 5 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on May 1, 2013. |
|   | p.                                                                                                                                                                                                                                                                                                | Investment Protector (08.09) Rider-S40801 incorporated by reference as exhibit EX-99.B4.m. from Post-Effective Amendment No. 21 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 23, 2010. |
|   | q.                                                                                                                                                                                                                                                                                                | Investment Plus Rider-S40827 incorporated by reference as exhibit EX-99.B4.o. from Post-Effective Amendment No. 24 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on December 22, 2010. |
|   | r.                                                                                                                                                                                                                                                                                                | Waiver of Withdrawal Charge Rider-S40749 incorporated by reference as exhibit EX-99.B4.f. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 9, 2007. |
|   | s.                                                                                                                                                                                                                                                                                                | Quarterly Value Death Benefit Rider-S40743 incorporated by reference as exhibit EX-99.B4.g. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 9, 2007. |
|   | t.                                                                                                                                                                                                                                                                                                | Quarterly Value Death Benefit Rider-S40743-02, S40812, S40814 incorporated by reference as exhibit EX-99.B4.p. from Post-Effective Amendment No. 21 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 23, 2010. |
|   | u.                                                                                                                                                                                                                                                                                                | Target Date Retirement Rider-F40766 incorporated by reference as exhibit EX-99.B4.j. from Post-Effective Amendment No. 6 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on December 28, 2007. |
|   | v.                                                                                                                                                                                                                                                                                                | Target Benefit Asset Allocation Rider incorporated by reference as exhibit EX-99.B4.k. from Post-Effective Amendment No. 6 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on December 28, 2007. |
|   | w.                                                                                                                                                                                                                                                                                                | Inherited IRA/Roth IRA Endorsement-S40713 incorporated by reference as exhibit EX-99.B4.q. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006. |
|   | x.                                                                                                                                                                                                                                                                                                | Roth IRA Endorsement-S40342 incorporated by reference as exhibit EX-99.B4.l. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006. |
|   | y.                                                                                                                                                                                                                                                                                                | IRA Endorsement-S40014 incorporated by reference as exhibit EX-99.B4.g. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999. |
|   | z.                                                                                                                                                                                                                                                                                                | Unisex Endorsement-(S20146) incorporated by reference as exhibit EX-99.B4.h. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999. |
|   | aa.                                                                                                                                                                                                                                                                                               | Pension Plan and Profit Sharing Plan Endorsement-S20205 incorporated by reference as exhibit EX-99.B4.i. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999. |
|   | ab.                                                                                                                                                                                                                                                                                               | 403(b) Endorsement-S30072(4-99) incorporated by reference as exhibit EX-99.B4.k. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999. |
| 5.     | a.                                                                                                                                                                                                                                                                                                | Application for Ind. Var. Annuity Contract-F70031-01 incorporated by reference as exhibit EX-99.B5.a. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on July 17, 2008. |
|   | b.                                                                                                                                                                                                                                                                                                | Application for Ind. Var. Annuity Contract-F70034 incorporated by reference as exhibit EX-99.B5.b. from Post-Effective Amendment No. 21 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 23, 2010. |
|   | c.                                                                                                                                                                                                                                                                                                | Application for Ind. Var. Annuity Contract-F60000 incorporated by reference as exhibit EX-99.B5.c. from Post-Effective Amendment No. 24 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on December 22, 2010. |
| 6.     | (i).                                                                                                                                                                                                                                                                                              | The Restated Articles of Incorporation of the Company (as amended August 1, 2006) incorporated by reference as exhibit EX-99.B6.i. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-166408 and 811-05618), electronically filed on September 24, 2010. |
|   | (ii).                                                                                                                                                                                                                                                                                             | The Restated Bylaws of the Company (as amended August 1, 2006) incorporated by reference as exhibit EX-99.B6.ii. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-166408 and 811-05618), electronically filed on September 24, 2010. |
| 7.     | Not Applicable                                                                                                                                                                                                                                                                                    |
| 8.     | a.                                                                                                                                                                                                                                                                                                | 22c-2 Agreements incorporated by reference as exhibit EX-99.B8.a. from Post-Effective Amendment No. 20 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on April 24, 2008. |
|   | b.                                                                                                                                                                                                                                                                                                | 22c-2 Agreement-BlackRock Distributors, Inc. incorporated by reference as exhibit EX-99.B8.b. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 3, 2009. |
|   | c.                                                                                                                                                                                                                                                                                                | Participation Agreement between BlackRock Series Fund, Inc., BlackRock Distributors, Inc., Allianz Life Insurance Co. of North America, and Allianz Life Financial Services, LLC, dated May 1, 2008 incorporated by reference as exhibit EX-99.B8.c. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 3, 2009. |
|   | d.                                                                                                                                                                                                                                                                                                | Administrative Services Agreement between BlackRock Advisors, LLC and Allianz Life, dated May 1, 2008 incorporated by reference as exhibit EX-99.B8.d. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 3, 2009. |
|   | e.                                                                                                                                                                                                                                                                                                | Participation Agreement between Davis Variable Account Fund, Inc., Davis Distributors, LLC and Allianz Life Insurance Company of North America, dated 11/1/1999 incorporated by reference as exhibit EX-99.B8.e. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999. |
|   | f.                                                                                                                                                                                                                                                                                                | Amendment to Participation Agreement between Davis Variable Account Fund, Inc., Davis Distributors, LLC and Allianz Life Insurance Company of North America dated 5/1/08 incorporated by reference as exhibit EX-99.B8.f. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 3, 2009. |
|   | g.                                                                                                                                                                                                                                                                                                | Administrative Services Agreement between Franklin Templeton Services LLC and Allianz Life Insurance Company of North America, dated 10/1/2003 incorporated by reference as exhibit EX-99.B8.ac. from Registrant's initial filing on Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on May 19, 2006. |
|   | h.                                                                                                                                                                                                                                                                                                | Amendment to Administrative Services Agreement between Franklin Templeton Services LLC and Allianz Life Insurance Company of North America, dated 8/08/2008 incorporated by reference as exhibit EX-99.B8.h. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 3, 2009. |
|   | i.                                                                                                                                                                                                                                                                                                | Amendment to Administrative Services Agreement between Franklin Templeton Services LLC and Allianz Life Insurance Company of North America, dated July 16, 2012 incorporated by reference as exhibit EX-99.B8.h. from Post-Effective Amendment No. 4 to Registrant's Form N-4 (File Nos. 333-166408 and 811-05618) electronically filed on August 21, 2012. |
|   | j.                                                                                                                                                                                                                                                                                                | Participation Agreement between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., Allianz Life Insurance Company of North America and USAllianz Investor Services, LLC (the predecessor to Allianz Life Financial Services, LLC.), and dated 10/1/2003 incorporated by reference as exhibit EX-99.B8.h. from Pre-Effective Amendment No.2 to Registrant's Form N-4 (File Nos. 333-120181 and 811-05618), electronically filed on March 30, 2005. |
|   | k.                                                                                                                                                                                                                                                                                                | Amendment to Participation Agreement between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., Allianz Life Insurance Company of North America and USAllianz Investor Services, LLC (the predecessor to Allianz Life Financial Services, LLC.), dated 5/1/08 incorporated by reference as exhibit EX-99.B8.j. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 3, 2009. |
|   | l.                                                                                                                                                                                                                                                                                                | Amendment to Participation Agreement between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., Allianz Life Insurance Company of North America and Allianz Life Financial Services, LLC., dated January 16, 2014, incorporated by reference as exhibit EX-99.B8.l. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 14, 2014. |
|   | m.                                                                                                                                                                                                                                                                                                | Participation Agreement between Premier VIT, Allianz Life Insurance Company of North America and Allianz Global Investors Distributors LLC, dated 5/1/2006 incorporated by reference as exhibit EX-99.B8.ai. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006. |
|   | n.                                                                                                                                                                                                                                                                                                | Administrative Service Agreement between OpCap Advisors LLC and Allianz Life Insurance Company of North America, dated 5/1/2006 incorporated by reference as exhibit EX-99.B8.aj. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006. |
|   | o.                                                                                                                                                                                                                                                                                                | Amended and Restated Services Agreement between Pacific Investment Management Company LLC and Allianz Life Insurance Company of North America, dated 01/01/2007 incorporated by reference as exhibit EX-99.B8.u. from Post-Effective Amendment No. 18 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on April 23, 2007. |
|   | p.                                                                                                                                                                                                                                                                                                | Amendment dated May 1, 2011 to Investor Services Agreement between Allianz Life Insurance Company of North America and Pacific Investment Management Company dated June 1, 2009 incorporated by reference as exhibit EX-99.B8.n. from Post-Effective Amendment No. 25 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 26, 2010. |
|   | q                                                                                                                                                                                                                                                                                                 | Participation Agreement between Allianz Life Insurance Company of North America, PIMCO Variable Insurance Trust, and PIMCO Funds Distributors LLC, dated 12/1/1999 incorporated by reference as exhibit EX-99.B8.i. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999. |
|   | r.                                                                                                                                                                                                                                                                                                | Amendments to Participation Agreement between Allianz Life Insurance Company of North America, PIMCO Variable Insurance Trust, and PIMCO Funds Distributors LLC, dated 4/1/00, 11/5/01, 5/1/02, 5/1/03, 4/30/04, 4/29/05 incorporated by reference as exhibit EX-99.B8.w. from Post-Effective Amendment No. 18 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on April 23, 2007. |
|   | s.                                                                                                                                                                                                                                                                                                | Amendment dated May 1, 2011 to Participation Agreement between Allianz Life Insurance Company of North America, PIMCO Variable Insurance Trust and PIMCO Investments LLC (formerly Allianz Global Investors Distributiors LLC) dated December 1, 1999 incorporated by reference as exhibit EX-99.B8.9. from Post-Effective Amendment No. 25 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 26, 2010. |
|   | t.                                                                                                                                                                                                                                                                                                | Amendment dated April 30, 2012 to Participation Agreement between Allianz Life Insurance Company of North America, PIMCO Variable Insurance Trust and PIMCO Investments LLC (formerly Allianz Global Investors Distributiors LLC) dated December 1, 1999 incorporated by reference as exhibit EX-99.B8.q. from Post-Effective Amendment No. 7 to Registrant’s Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on April 6, 2012. |
|   | u.                                                                                                                                                                                                                                                                                                | Distribution Services Agreement between Allianz Life Insurance Company of North America and Allianz Global Investors Distributors, LLC, dated 01/01/2007 incorporated by reference as exhibit EX-99.B8.x. from Post-Effective Amendment No. 18 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on April 23, 2007. |
|   | v.                                                                                                                                                                                                                                                                                                | Participation Agreement & Amendment between Fidelity Distributors Corporation and Allianz Life Insurance Company of North America, dated 09/29/10 incorporated by reference as exhibit EX-99.B8.q. from Post-Effective Amendment No. 17 to Registrant's Form N-4 (File Nos. 333-145866 and 811-05618), electronically filed on December 20, 2010. |
|   | w.                                                                                                                                                                                                                                                                                                | Investor Services Agreement between Pacific Investment Management Company (PIMCO) and Allianz Life Insurance Company of North America, dated June 1, 2009 and Amendment dated 5-1-2011 incorporated by reference as exhibit EX-99.B8.t. from Post-Effective Amendment No. 7 to Registrant’s Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on April 6, 2012. |
|   | x.                                                                                                                                                                                                                                                                                                | Amendment  dated 4-30-2012 to Investor Services Agreement between Pacific Investment Management Company (PIMCO) and Allianz Life Insurance Company of North America, dated June 1, 2009 incorporated by reference as exhibit EX-99.B8.u. from Post-Effective Amendment No. 7 to Registrant’s Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on April 6, 2012. |
|   | y.                                                                                                                                                                                                                                                                                                | Administrative Services Agreement between PIMCO Variable Insurance Trust and Allianz Life Insurance Company of North America dated December 4, 2009 and Amendment dated April 1, 2012 incorporated by reference as exhibit EX-99.B8.v. from Post-Effective Amendment No. 9 to Registrant’s Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on June 7, 2012. |
|   | z.                                                                                                                                                                                                                                                                                                | Amendment dated September 1, 2012 to Participation Agreement between Allianz Life Insurance Company of North America, PIMCO Variable Insurance Trust and PIMCO Investments LLC (formerly Allianz Global Investors Distributiors LLC) dated December 1, 1999 incorporated by reference as exhibit EX-99.B8.y. from Post-Effective Amendment No. 34 to Registrant’s Form N-4 (File Nos. 333-139701 and 811-05618) electronically filed on February 4, 2013. |
|   | aa.                                                                                                                                                                                                                                                                                               | Amendment  dated September 1, 2012 to Investor Services Agreement between Pacific Investment Management Company (PIMCO) and Allianz Life Insurance Company of North America, dated June 1, 2009 incorporated by reference as exhibit EX-99.B8.z. from Post-Effective Amendment No. 34 to Registrant’s Form N-4 (File Nos. 333-139701 and 811-05618) electronically filed on February 4, 2013. |
|   | ab.                                                                                                                                                                                                                                                                                               | Participation Agreement between Allianz Life Insurance Company of North America, Premier Multi-Series VIT and Allianz Global Investors Distributors LLC, dated April 28, 2014, incorporated by reference as exhibit EX-99.B8.aa. from Post-Effective Amendment No. 10 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 14, 2014. |
| 9.**   | Opinion and Consent of Counsel                                                                                                                                                                                                                                                                    |
| 10.**  | Consent of Independent Registered Public Accounting Firm                                                                                                                                                                                                                                          |
| 11.    | Not Applicable                                                                                                                                                                                                                                                                                    |
| 12.    | Not Applicable                                                                                                                                                                                                                                                                                    |
| 13.    | a.                                                                                                                                                                                                                                                                                                | Power of Attorney incorporated by reference as exhibit EX-99.B13. from Post-Effective Amendment No. 25 to Registrant’s Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 26, 2010. |
|   | b.                                                                                                                                                                                                                                                                                                | Power of Attorney-Walter White, incorporated by reference as exhibit EX-99.B13.b. from Post-Effective Amendment No. 28 to Registrant’s Form N-4 (File Nos. 333-139701 and 811-05618) electronically filed on February 16, 2012. |
|   | c.                                                                                                                                                                                                                                                                                                | Power of Attorney-Marna C. Whittington, incorporated by reference as exhibit EX-99.B13.c. from Post-Effective Amendment No. 7 to Registrant’s Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on April 6, 2012. |
|   | d.                                                                                                                                                                                                                                                                                                | Powers of Attorney for Ronald M. Clark and David L. Conway incorporated by reference as exhibit EX-99.B13.b. from Post-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-185866 and 811-05618), electronically filed on January 10, 2014. |
|   | e.                                                                                                                                                                                                                                                                                                | Power of Attorney-Jay S. Ralph and Thomas K. Naumann, incorporated by reference as exhibit EX-99.B13.c. from Post-Effective Amendment No. 12 to Registrant’s Form N-4 (File Nos. 333-182987 and 811-05618) electronically filed on February 13, 2015. |
|   |                                                                                                                                                                                                                                                                                              |
| *      | Filed herewith                                                                                                                                                                                                                                                                                    |
| **     | To be filed by amendment                                                                                                                                                                                                                                                                          |
|   |                                                                                                                                                                                                                                                                                              |

| Unless noted otherwise, all officers and directors have the following principal business address: |
|---------------------------------------------------------------------------------------------------|
| 5701 Golden Hills Drive                                                                           |
| Minneapolis, MN 55416-1297                                                                        |
| The following are the Officers and Directors of the Company:                                      |
|                                                                                              |
| Name and Principal Business Address                                                               | Positions and Offices with Depositor |
| Walter R. White                                                                                   | Director, President and Chief Executive Officer |
| Giulio Terzariol                                                                                  | Director, Senior Vice President, Chief Financial Officer, and Treasurer |
| Thomas P. Burns                                                                                   | Senior Vice President, Chief Distribution Officer |
| Neil H. McKay                                                                                     | Senior Vice President, Chief Actuary |
| Gretchen Cepek                                                                                    | Senior Vice President, Secretary and General Counsel |
| Carsten Quitter                                                                                   | Senior Vice President, Chief Investment Officer |
| Cathy Mahone                                                                                      | Senior Vice President, Chief Administrative Officer |
| Nancy E. Jones                                                                                    | Senior Vice President, Chief Marketing Officer |
| Patrick L. Nelson                                                                                 | Vice President, Chief Suitability Officer |
| Nicole A. Scanlon                                                                                 | Vice President, Controller |
| Jay S. RalphKoeniginstrasse 28Munich 80802 Germany                                                | Director and Chairman of the Board |
| Marna C. Whittington2959 Barley MillYorklyn, DE 19736                                             | Director |
| Ronald M. Clark14401 N. Giant Saquaro PlaceOro Valley, AZ 85755                                   | Director |
| David L. Conway1043 Thornberry Creek DriveOneida, WI 54155                                        | Director |
| Thomas K. NaumannSeidlstrasse 24 – 24aMunich 80335 Germany                                  | Director |

| The Bylaws of the Insurance Company provide:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ARTICLE XI. INDEMNIFICATION OF DIRECTORS, OFFICERS AND EMPLOYEES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| SECTION 1. RIGHT TO INDEMNIFICATION:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| (a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Subject to the conditions of this Article and any conditions or limitations imposed by applicable law, the Corporation shall indemnify any employee, director or officer of the Corporation (an "Indemnified Person") who was, is, or in the sole opinion of the Corporation, may reasonably become a party to or otherwise involved in any Proceeding by reason of the fact that such Indemnified Person is or was: |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (i) | a director of the Corporation; or |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (ii) | acting in the course and scope of his or her duties as an officer or employee of the Corporation; or |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (iii) | rendering Professional Services at the request of and for the benefit of the Corporation; or |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (iv) | serving at the request of the Corporation as an officer, director, fiduciary or member of another corporation, association, committee, partnership, joint venture, trust, employee benefit plan or other enterprise (an "Outside Organization"). |
| (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Notwithstanding the foregoing, no officer, director or employee shall be indemnified pursuant to these bylaws under the following circumstances: |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (i) | in connection with a Proceeding initiated by such person, in his or her own personal capacity, unless such initiation was authorized by the Board of Directors; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (ii) | if a court of competent jurisdiction finally determines that any indemnification hereunder is unlawful; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (iii) | for acts or omissions involving intentional misconduct or knowing and culpable violation of law; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (iv) | for acts or omissions that the Indemnified Person believes to be contrary to the best interests of the Corporation or its shareholders or that involve the absence of good faith on the part of the Indemnified Person; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (v) | for any transaction for which the Indemnified Person derived an improper personal benefit; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (vi) | for acts or omissions that show a reckless disregard for the Indemnified Person's duty to the Corporation or its shareholders in circumstances in which the Indemnified Person was aware or should have been aware, in the ordinary course of performing the Indemnified Person's duties, of the risk of serious injury to the Corporation or its shareholders; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (vii) | for acts or omissions that constitute an unexcused pattern of inattention that amounts to an abdication of the Indemnified Person's duties to the Corporation or its shareholders; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (viii) | in circumstances where indemnification is prohibited by applicable law; |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | (ix) | in the case of service as an officer, director, fiduciary or member of an Outside Organization, where the Indemnified Person was aware or should have been aware that the conduct in question was outside the scope of the assignment as contemplated by the Corporation. |
| SECTION 2. SCOPE OF INDEMNIFICATION:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| (a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Indemnification provided pursuant to Section 1(a)(iv) shall be secondary and subordinate to indemnification or insurance provided to an Indemnified Person by an Outside Organization or other source, if any. |
| (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Indemnification shall apply to all reasonable expenses, liability and losses, actually incurred or suffered by an Indemnified Person in connection with a Proceeding, including without limitation, attorneys' fees and any expenses of establishing a right to indemnification or advancement under this article, judgments, fines, ERISA excise taxes or penalties, amounts paid or to be paid in settlement and all interest, assessments and other charges paid or payable in connection with or in respect of such expense, liability and loss. |
| (c)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Such indemnification shall continue as to any Indemnified Person who has ceased to be an employee, director or officer of the Corporation and shall inure to the benefit of his or her heirs, estate, executors and administrators. |
| SECTION 3. DEFINITIONS:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| (a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | "Corporation" for the purpose of Article XI shall mean Allianz Life Insurance Company of North America and all of its subsidiaries. |
| (b)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | "Proceeding" shall mean any threatened, pending, or completed action, suit or proceeding whether civil, criminal, administrative, investigative or otherwise, including actions by or in the right of the Corporation to procure a judgment in its favor. |
| (c)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | "Professional Services" shall mean services rendered pursuant to (i) a professional actuarial designation, (ii) a license to engage in the practice of law issued by a State Bar Institution or (iii) a Certified Public Accountant designation issued by the American Institute of Certified Public Accountants. |
| Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted for directors and officers or controlling persons of the Insurance Company pursuant to the foregoing, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue. |

| Allianz Life Financial Services, LLC (previously USAllianz Investor Services, LLC) is the principal underwriter for the Contracts. It also is the principal underwriter for:                                                                                                                                                                                                                        |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Allianz Life Variable Account A                                                                                                                                                                                                                                                                                                                                                                     |
| Allianz Life of NY Variable Account C                                                                                                                                                                                                                                                                                                                                                               |
| Allianz Funds                                                                                                                                                                                                                                                                                                                                                                                       |
| The following are the officers (managers) and directors (Board of Governors) of Allianz Life Financial Services, LLC. All officers and directors have the following principal business address:                                                                                                                                                                                                     |
| 5701 Golden Hills Drive                                                                                                                                                                                                                                                                                                                                                                             |
| Minneapolis, MN 55416-1297                                                                                                                                                                                                                                                                                                                                                                          |
|                                                                                                                                                                                                                                                                                                                                                                                                |
| Name                                                                                                                                                                                                                                                                                                                                                                                                | Positions and Offices with Underwriter |
| Robert DeChellis                                                                                                                                                                                                                                                                                                                                                                                    | Governor, Chief Executive Officer and President |
| Thomas Burns                                                                                                                                                                                                                                                                                                                                                                                        | Governor |
| Catherine A. Mahone                                                                                                                                                                                                                                                                                                                                                                                 | Governor |
| Giulio Terzariol                                                                                                                                                                                                                                                                                                                                                                                    | Governor |
| Jeffrey P. Pruitt                                                                                                                                                                                                                                                                                                                                                                                   | Vice President, Chief Compliance Officer |
| Aline P. Schellhas                                                                                                                                                                                                                                                                                                                                                                                  | Vice President, Chief Financial Officer and Treasurer |
| Corey Walther                                                                                                                                                                                                                                                                                                                                                                                       | Chief Operating Officer |
| Jennifer Sosniecki                                                                                                                                                                                                                                                                                                                                                                                  | Money Laundering Prevention Officer |
| Tracy M. Hardy                                                                                                                                                                                                                                                                                                                                                                                      | Assistant Secretary |
|                                                                                                                                                                                                                                                                                                                                                                                                |   |
| For the period 1-1-2014 to 12-31-2014 [TO BE UPDATED BY AMENDMENT]                                                                                                                                                                                                                                                                                                                                  |
| Name of Principal Underwriter                                                                                                                                                                                                                                                                                                                                                                       | Net Underwriting Discounts and Commissions | Compensation on Redemption | Brokerage Commissions | Compensation |
| Allianz Life Financial Services, LLC                                                                                                                                                                                                                                                                                                                                                                | $_______________ | $0 | $0 | $0 |
| The $_________ that Allianz Life Financial Services, LLC received from Allianz Life as commissions on the sale of Contracts issued under Allianz Life Variable Account B was subsequently paid entirely to the third party broker/dealers that perform the retail distribution of the Contracts and, therefore, no commission or compensation was retained by Allianz Life Financial Services, LLC. |

| a. | Registrant hereby undertakes to file a post-effective amendment to this registration statement as frequently as is necessary to ensure that the audited financial statements in the registration statement are never more than sixteen (16) months old for so long as payment under the variable annuity contracts may be accepted. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| b. | Registrant hereby undertakes to include either (1) as part of any application to purchase a contract offered by the prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a postcard or similar written communication affixed to or included in the prospectus that the applicant can remove to send for a Statement of Additional Information. |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| c. | Registrant hereby undertakes to deliver any Statement of Additional Information and any financial statements required to be made available under this Form promptly upon written or oral request. |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1. | Include appropriate disclosure regarding the redemption restrictions imposed by Section 403(b)(11) in each registration statement, including the prospectus, used in connection with the offer of the contract; |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | Include appropriate disclosure regarding the redemption restrictions imposed by Section 403(b)(11) in any sales literature used in connection with the offer of the contract; |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | Instruct sales representatives who solicit participants to purchase the contract specifically to bring the redemption restrictions imposed by Section 403(b)(11) to the attention of the potential participants; |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4. | Obtain from each plan participant who purchases a Section 403(b) annuity contract, prior to or at the time of such purchase, a signed statement acknowledging the participant's understanding of (1) the restrictions on redemption imposed by Section 403(b)(11), and (2) other investment alternatives available under the employer's Section 403(b) arrangement to which the participant may elect to transfer his contract value. |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Signature               | Title                                                       |
|-------------------------|-------------------------------------------------------------|
| Jay S. Ralph(5)         | Director and Chairman of the Board                          |
| Walter R. White(2)      | Director, President & Chief Executive Officer           |
| Giulio Terzariol(1)     | Director, Senior Vice President and Chief Financial Officer |
| Marna C. Whittington(3) | Director                                                    |
| Ronald M. Clark(4)      | Director                                                    |
| David L. Conway(4)      | Director                                                    |
| Thomas K. Naumann(5)    | Director                                                    |

| (1) | By Power of Attorney incorporated by reference as exhibit EX-99.B13 from Post-Effective Amendment No.25 to Registrant's Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on April 26, 2010. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | By Power of Attorney incorporated by reference as exhibit EX-99.B13.b from Post-Effective Amendment No. 28 to Registrant’s Form N-4 (File Nos. 333-139701 and 811-05618), electronically filed on February 16, 2012. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (3) | By Power of Attorney incorporated by reference as exhibit EX-99.B13.c. from Post-Effective Amendment No. 7 to Registrant’s Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on April 6, 2012. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (4) | By Power of Attorney incorporated by reference as exhibit EX-99.B13.b. from Post-Effective Amendment No.1 to Registrant’s Form N-4 (File Nos. 333-185866 and 811-05618), electronically filed on January 10, 2014. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (5) | By Power of Attorney incorporated by reference as exhibit EX-99.B13.c. from Post-Effective Amendment No. 12 to Registrant’s Form N-4 (File Nos. 333-182987and 811-05618) electronically filed on February 13, 2015. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| INDEX TO EXHIBITS |
|-------------------|
| EX-99.B9.         | Opinion and Consent of Counsel [TO BE FILED BY AMENDMENT] |
| EX-99.B10.        | Consent of Independent Registered Public Accounting Firm [TO BE FILED BY AMENDMENT] |

----