485APOS				File Nos. 333-171427
Allianz Vision (POS)				811-05618
				Class I.D. C000098186
		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.			25		X
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
Amendment No.			453		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: October 17, 2016
Titles of Securities Being Registered: Individual Flexible Purchase Payment Variable Deferred Annuity Contracts

Pursuant to Commission Rule 429 of the Securities Act of 1933, the combined prospectus contained in this Registration Statement also relates to securities registered on Form N-4 Registration Statement Nos. 333-139701 and 811-05618 filed on July 19, 2016. All applicable filing fees have been paid.

PART A – PROSPECTUS

ALLIANZ VISION^SM VARIABLE ANNUITY CONTRACT issued on or prior to April 26, 2013

Issued by Allianz Life^® Variable Account B and Allianz Life Insurance Company of North America (Allianz Life^®, we, us, our)

The information in this prospectus is not complete and may be changed. We cannot sell Allianz Vision Variable Annuity pursuant to this prospectus until the Registration Statement containing this prospectus filed with the Securities and Exchange Commission is effective. This prospectus is not an offer to sell the Contract and is not soliciting an offer to buy the Contract in any state where the offer or sale is not permitted.

This prospectus describes an individual flexible purchase payment variable deferred annuity contract (Contract) issued by Allianz Life Insurance Company of North America (Allianz Life^®, we, us, our).

The Base Contract offers you, the Owner, standard features including: multiple variable investment options (Investment Options) and annuitization options (Annuity Options), a free withdrawal privilege, a seven-year withdrawal charge period, and a death benefit (Traditional Death Benefit). The Contract offers optional benefits for an additional charge:

Bonus Option provides a 6% bonus on the money you put into the Contract (Purchase Payments) subject to a vesting schedule. Bonus annuity contracts generally have higher charges than contracts without a bonus and therefore, the charges may be greater than the bonus.

Quarterly Value Death Benefit locks in any quarterly investment gains (Quarterly Anniversary Value) to potentially provide an increased death benefit.

Income Focus provides guaranteed lifetime income (Income Focus Payments, which are similar to Lifetime Plus Payments) until annuitization. We base payments on a percentage of adjusted Purchase Payments, and that percentage can potentially increase by 1% each year if your Contract Value increases. Income Focus was available from April 29, 2013 through April 24, 2015 and is described in Appendix I.

Income Protectorprovides guaranteed lifetime income (Lifetime Plus Payments) until annuitization. We base payments on a value (Benefit Base) that is at least equal to total Purchase Payments adjusted for withdrawals plus a quarterly simple interest increase (Annual Increase).

Income Protector allows access to your investment value (Contract Value) and death benefit for a period of time after payments begin. Payments can begin once the minimum exercise age is met, or as late as age 90. If you are required to annuitize your Contract as a result of current tax law, which may occur at age 95 or later, we provide an annuity option with payments at least equal to the Lifetime Plus Payments you are then receiving as described in section 9, The Annuity Phase – When Annuity Payments Begin.

Investment Protector 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. Investment Protector was available from April 29, 2013 through October 14, 2016 and is described in Appendix J.

If you have the Quarterly Value Death Benefit, you must also have either Income Protector or one of the previously available Lifetime Benefits, Target Date Benefits, Income Focus or Investment Protector (an Additional Required Benefit). However, you can have an Additional Required Benefit separately without having the Quarterly Value Death Benefit. If you select Income Protector, we restrict your Investment Option selection and allocations and rebalance your Contract Value quarterly. Withdrawals reduce the guaranteed values provided by the Quarterly Value Death Benefit and Income Protector, and may cause these benefits to end prematurely. For optional benefit availability, see section 11, Selection of Optional Benefits and check with your Financial Professional, the person who provided you advice regarding this Contract. For information on the rates used to calculate the guaranteed values and benefits for Income Protector, please see the Rate Sheet Supplement. Please see Appendix K of this prospectus for information regarding the rates for previously available Income Protector riders issued before October 17, 2016.

All guarantees under the Contract are the obligations of Allianz Life and are subject to the claims paying ability of Allianz Life.

Please read this prospectus before investing and keep it for future reference. It contains important information about your annuity and Allianz Life that you ought to know before investing. This prospectus is not an offering in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the information contained in this prospectus. We have not authorized anyone to give you different information.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Allianz Life Variable Account B is the Separate Account that holds the assets that underlie the Contract. Additional information about the Separate Account has been filed with the Securities and Exchange Commission (SEC) and is available upon written or oral request without charge, or on the EDGAR database on the SEC's website (www.sec.gov). A Statement of Additional Information (SAI) dated the same date as this prospectus includes additional information about the annuity offered by this prospectus. The SAI is incorporated by reference into this prospectus. The SAI is filed with the SEC and is available without charge by contacting us at the telephone number or address listed at the back of this prospectus. The SAI's table of contents appears after the Privacy and Security Statement in this prospectus. The prospectus, SAI and other Contract information are also available on the EDGAR database.

The SEC has not approved or disapproved these securities or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. An investment in this Contract is not a deposit of a bank or financial institution and is not federally insured or guaranteed by the Federal Deposit Insurance Corporation or any other federal government agency. An investment in this Contract involves investment risk including the possible loss of principal. Variable annuity contracts are complex insurance and investment vehicles. Before you invest, be sure to ask your Financial Professional about the Contract's features, benefits, risks, and fees, and whether the Contract is appropriate for you based upon your financial situation and objectives.

Dated: October 17, 2016

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Versions of the Contract and Optional Benefits Described in this Prospectus

This prospectus contains information on two different versions of the Allianz Vision Contract. "Version A Contracts" were issued on or prior to April 29, 2011(Registration Statement No. 333-139701). "Version B Contracts" were issued from May 2, 2011 through April 26, 2013 (Registration Statement No. 333-171427). Version A Contracts and Version B Contracts have the same Base Contract, but may have offered different optional benefits. For example, certain optional benefits were only offered through Version A Contracts, other optional benefits were only offered through Version B Contracts, and still other optional benefits were offered through both Version A Contracts and Version B Contracts.

The table below lists the optional benefits that were offered on Version A Contracts and Version B Contracts, including the dates on which they were offered and the prospectus appendix that has more detailed information about the benefits. The benefit version identifier for Income Protector and Investment Protector (for example, (05.11)) is located in your rider. If you have questions about which version of the Allianz Vision Contract or optional benefits you have, please contact our Service Center at (800) 624-0197.

Contract Version	Discussed in Appendix	Optional Benefit That Is No Longer Available	Available From	Available Through
A	D	Lifetime Plus Benefit	May 1, 2007	January 23, 2009
A		Lifetime Plus II Benefit	November 12, 2007	March 31, 2009
A		Lifetime Plus 10 Benefit	July 17, 2008	March 31, 2009
A	E	Target Date Retirement Benefit	March 17, 2008	January 23, 2009
A		Target Date 10 Benefit	January 26, 2009	March 31, 2009
A	F	Original Quarterly Value Death Benefit	May 1, 2007	April 30, 2010
A and B		Second Quarterly Value Death Benefit	May 2, 2010	April 27, 2012
A and B	G	Short Withdrawal Charge Option	May 1, 2007	July 23, 2012
A	H	No Withdrawal Charge Option	March 17, 2008	March 31, 2009
A and B			July 22, 2009	July 23, 2012
B	I	Income Focus	April 30, 2012	April 24, 2015
A	J	Investment Protector (08.09)	July 22, 2009	April 30, 2010
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
A (issued on or after April 1, 2009) and B		Investment Protector (01.12)	April 30, 2012	July 6, 2012
A (issued on or after April 1, 2009) and B		Investment Protector (07.12)	July 9, 2012	July 19, 2013
A (issued on or after April 1, 2009) and B		Investment Protector (07.13)	July 22, 2013	April 24, 2015
A (issued on or after April 1, 2009) and B		Investment Protector (04.15)	April 27, 2015	April 22, 2016
A (issued on or after April 1, 2009) and B		Investment Protector (04.16)	April 25, 2016	May 2, 2016
A (issued on or after April 1, 2009) and B		Investment Protector (05.16)	May 3, 2016	June 6, 2016
A (issued on or after April 1, 2009) and B		Investment Protector (06.16)	June 7, 2016	July 4, 2016
A (issued on or after April 1, 2009) and B		Investment Protector (07.16)	July 5, 2016	August 1, 2016
A (issued on or after April 1, 2009) and B		Investment Protector (08.16)	August 2, 2016	September 5, 2016
A (issued on or after April 1, 2009) and B		Investment Protector (09.16)	September 6, 2016	October 3, 2016
A (issued on or after April 1, 2009) and B		Investment Protector (10.16)	October 4, 2016	October 14, 2016
A	K	Income Protector (08.09)	July 22, 2009	April 30, 2010
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
A (issued on or after April 1, 2009) and B		Income Protector (05.12)	April 30, 2012	July 20, 2012
A (issued on or after April 1, 2009) and B		Income Protector (07.12)	July 23, 2012	October 12, 2012
A (issued on or after April 1, 2009) and B		Income Protector (10.12)	October 15, 2012	April 24, 2015
A (issued on or after April 1, 2009) and B		Income Protector (04.15)	April 27, 2015	April 22, 2016
A (issued on or after April 1, 2009) and B		Income Protector (04.16)	April 25, 2016	May 2, 2016
A (issued on or after April 1, 2009) and B		Income Protector (05.16)	May 3, 2016	June 6, 2016
A (issued on or after April 1, 2009) and B		Income Protector (06.16)	June 7, 2016	July 4, 2016
A (issued on or after April 1, 2009) and B		Income Protector (07.16)	July 5, 2016	August 1, 2016
A (issued on or after April 1, 2009) and B		Income Protector (08.16)	August 2, 2016	September 5, 2016
A (issued on or after April 1, 2009) and B		Income Protector (09.16)	September 6, 2016	October 3, 2016

(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.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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If you select Income Protector, we restrict your Investment Option selection and allocations, and rebalance your Contract Value allocations quarterly.

(1) Investment Options below available with the current version of Income Protector.

All of the Investment Options below are available to a Contract without Income Protector. See Appendix D, E, I, J and K for the Investment Options available with previously available versions of Lifetime Benefits, Target Date Benefits, Income Focus, Investment Protector and Income Protector.

INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

ALLIANZ RCM Dynamic Multi-Asset Plus VIT Portfolio⁽¹⁾ ALLIANZ FUND OF FUNDS AZL^® Balanced Index Strategy Fund AZL^® DFA Multi-Strategy Fund AZL^® Moderate Index Strategy Fund AZL^® MVP Balanced Index Strategy Fund⁽¹⁾ AZL^® MVP BlackRock Global Strategy Plus Fund⁽¹⁾ AZL^® MVP DFA Multi-Strategy Fund⁽¹⁾ AZL MVP Fusion^SM Dynamic Balanced Fund⁽¹⁾ AZL MVP Fusion^SM Dynamic Conservative Fund⁽¹⁾ AZL MVP Fusion^SM Dynamic Moderate Fund⁽¹⁾ AZL^® MVP Growth Index Strategy Fund⁽¹⁾ AZL^® MVP Moderate Index Strategy Fund⁽¹⁾ AZL^® MVP Pyramis Multi-Strategy Fund⁽¹⁾ AZL^® MVP T. Rowe Price Capital Appreciation Plus Fund⁽¹⁾ BLACKROCK AZL^® Emerging Markets Equity Index Fund AZL^® Enhanced Bond Index Fund⁽¹⁾ AZL^® Global Equity Index Fund AZL^® Government Money Market Fund⁽¹⁾ AZL^® International Index Fund AZL^® Mid Cap Index Fund AZL^® Russell 1000 Growth Index Fund AZL^® Russell 1000 Value Index Fund AZL^® S&P 500 Index Fund AZL^® Small Cap Stock Index Fund BlackRock Global Allocation V.I. Fund DAVIS Davis VA Financial Portfolio FIDELITY Fidelity VIP FundsManager 50% Portfolio Fidelity VIP FundsManager 60% Portfolio FRANKLIN TEMPLETON Franklin Founding Funds Allocation VIP Fund Franklin Income VIP Fund⁽¹⁾ Franklin Mutual Shares VIP Fund Franklin U.S. Government Securities VIP Fund⁽¹⁾ Templeton Global Bond VIP Fund⁽¹⁾ Templeton Growth VIP Fund GATEWAY AZL^® Gateway Fund J.P. MORGAN JPMorgan Insurance Trust Core Bond Portfolio METWEST AZL^® MetWest Total Return Bond Fund⁽¹⁾ MFS MFS VIT Total Return Bond Portfolio MORGAN STANLEY AZL^® Morgan Stanley Global Real Estate Fund NFJ Allianz NFJ Dividend Value VIT Portfolio PIMCO PIMCO VIT All Asset Portfolio⁽¹⁾ PIMCO VIT CommodityRealReturn^® Strategy Portfolio PIMCO VIT Emerging Markets Bond Portfolio PIMCO VIT Global Advantage Strategy Bond Portfolio⁽¹⁾ PIMCO VIT Global Bond Portfolio (Unhedged) PIMCO VIT Global Multi-Asset Managed Allocation Portfolio PIMCO VIT Global Multi-Asset Managed Volatility Portfolio⁽¹⁾ PIMCO VIT High Yield Portfolio⁽¹⁾ PIMCO VIT Real Return Portfolio⁽¹⁾ PIMCO VIT StocksPLUS^® Global Portfolio PIMCO VIT Total Return Portfolio⁽¹⁾ PIMCO VIT Unconstrained Bond Portfolio⁽¹⁾ PYRAMIS AZL^® Pyramis^® Total Bond Fund⁽¹⁾ PYRAMIS/GEODE AZL^® Pyramis^® Multi-Strategy Fund T. ROWE PRICE AZL^® T. Rowe Price Capital Appreciation Fund

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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TABLE OF CONTENTS

Glossary		7
Fee Tables		12
	Owner Transaction Expenses	12
	Owner Periodic Expenses	12
	Contract Annual Expenses	13
	Annual Operating Expenses of the Investment Options	15
	Examples	16
1.	The Variable Annuity Contract	17
	State Specific Contract Restrictions	18
	When The Contract Ends	18
2.	Owners, Annuitants, and Other Specified Persons	19
	Owner	19
	Joint Owners	19
	Annuitant	19
	Beneficiary	20
	Covered Person(s)	20
	Payee	21
	Assignments, Changes of Ownership and Other Transfers of Contract Rights	21
3.	Purchase Payments	22
	Purchase Payment Requirements	22
	Allocation of Purchase Payments	23
	Automatic Investment Plan (AIP)	24
	Dollar Cost Averaging (DCA) Program	24
4.	Valuing Your Contract	25
	Accumulation Units	25
	Computing Contract Value and Bonus Value	26
5.	Investment Options	26
	Substitution and Limitation on Further Investments	33
	Transfers Between Investment Options	33
	Electronic Investment Option Transfer and Allocation Instructions	35
	Excessive Trading and Market Timing	35
	Flexible Rebalancing Program	37
	Financial Adviser Fees	37
	Voting Privileges	38
6.	Our General Account	38
7.	Expenses	38
	Mortality and Expense Risk (M&E) Charge	38
	Rider Charge	39
	Contract Maintenance Charge	40
	Withdrawal Charge	40
	Transfer Fee	43
	Premium Tax	43
	Income Tax	43
	Investment Option Expenses	43
8.	Access to Your Money	43
	Free Withdrawal Privilege	45
	Systematic Withdrawal Program	46
	Minimum Distribution Program and Required Minimum Distribution (RMD) Payments	46
	Waiver of Withdrawal Charge Benefit	46
	Suspension of Payments or Transfers	47
9.	The Annuity Phase	47
	Calculating Your Annuity Payments	47
	Variable or Fixed Annuity Payments	47
	Annuity Payment Options	48
	When Annuity Payments Begin	49
	Partial Annuitization	49
10.	Death Benefit	50
	Traditional Death Benefit	50
	Death of the Owner and/or Annuitant	50
	Death Benefit Payment Options During the Accumulation Phase	50
11.	Selection of Optional Benefits	52
	Replacing Optional Benefits	53
11.a	Income Protector	53
	Selecting Income Protector	54
	Removing Income Protector	54
	Lifetime Plus Payment Overview	55
	Benefit Base	55
	Quarterly Anniversary Value	56
	Annual Increase	56
	Requesting Lifetime Plus Payments	57
	Calculating Your Lifetime Plus Payments	58
	Automatic Annual Lifetime Plus Payment Increases	60
	Rate Sheet Supplement	60
	Taxation of Lifetime Plus Payments	60
	Charge Lock Option	60
	Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing	62
	When Income Protector Ends	63
11.b	Quarterly Value Death Benefit	63
11.c	Bonus Option	65
12.	Taxes	65
	Qualified and Non-Qualified Contracts	66
	Taxation of Annuity Contracts	66
	Taxation of Lifetime Payments	67
	Tax-Free Section 1035 Exchanges	67

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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13.	Other Information	67
	Allianz Life	67
	The Separate Account	67
	Distribution	68
	Additional Credits for Certain Groups	69
	Administration/Allianz Service Center	69
	Legal Proceedings	70
	Financial Statements	70
	Status Pursuant to Securities Exchange Act of 1934	70
14.	Privacy Notice	71
15.	Table of Contents of the Statement of Additional Information (SAI)	72
Appendix A	Annual Operating Expenses for Each Investment Option	73
Appendix B	Condensed Financial Information	75
Appendix C	Effects of Partial Withdrawals and Lifetime Payments on the Values Available Under the Contract	83
Appendix D	Lifetime Benefits	84
	Removing a Lifetime Benefit	85
	Covered Person(s)	86
	Lifetime Plus Payment Overview	87
	Benefit Base	88
	Quarterly Anniversary Value	89
	Lifetime Plus Benefit and Lifetime Plus II Benefit Value Differences	89
	5% Annual Increase and Enhanced 5% Annual Increase	90
	Enhanced 10-Year Value	90
	Manual Resets Under Lifetime Plus Benefit	91
	Automatic Resets Under Lifetime Plus II Benefit	91
	Lifetime Plus 10 Benefit's 10% Annual Increase	92
	Requesting Lifetime Plus Payments	93
	Calculating Your Lifetime Plus Payments	94
	Automatic Annual Lifetime Plus Payment Increases	96
	Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing	97
	When a Lifetime Benefit Ends	98
Appendix E	Target Date Benefits	98
	Removing a Target Date Benefit	99
	Target Value Dates	99
	Target Value	100
	Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing	101
	When a Target Date Benefit Ends	105
Appendix F	Previous Versions Of The Quarterly Value Death Benefit	105
Appendix G	Short Withdrawal Charge Option	106
Appendix H	No Withdrawal Charge Option	106
Appendix I	Income Focus	107
	Removing Income Focus	107
	Income Focus Payment Overview	108
	Total Income Value	108
	Income Values	109
	Income Value Percentages and Performance Increases	109
	Requesting Income Focus Payments	110
	Calculating Your Income Focus Payments	111
	Taxation of Income Focus Payments	112
	Charge Lock Option	113
	Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing	114
	When Income Focus Ends	115
Appendix J	Investment Protector	116
	Removing Investment Protector	117
	Target Value Dates	117
	Target Value	118
	Investment Option Allocation and Transfer Restrictions and Quarterly Rebalancing	119
	When Investment Protector Ends	126
Appendix K	Previous Versions of Income Protector	127
Appendix L	Charge Lock Option Examples	129
	Income Protector	129
	Income Focus	129
Appendix M	Additional Expense Examples	130
For Service or More Information		131
Our Service Center		131

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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GLOSSARY

This prospectus is written in plain English. However, there are some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.

5% Annual Increase – an amount used to determine the Benefit Base under the Lifetime Plus Benefit described in Appendix D.

10% Annual Increase – an amount used to determine the Benefit Base under the Lifetime Plus 10 Benefit described in Appendix D.

Accumulation Phase – the initial phase of your Contract before you apply your total Contract Value to Annuity Payments. The Accumulation Phase begins on the Issue Date and may occur at the same time as the Annuity Phase if you take Partial Annuitizations.

Additional Required Benefit – an additional optional benefit you must have if you have the Quarterly Value Death Benefit described in section 11.b. Additional Required Benefits include Income Protector, Lifetime Benefits, Target Date Benefits, Income Focus, and Investment Protector.

Annual Increase – an amount used to determine the Benefit Base under Income Protector before Lifetime Plus Payments begin as discussed in section 11.a. If you select Income Protectorat issue, it is equal to total Purchase Payments adjusted for withdrawals plus a quarterly simple interest increase. We then reset this value to equal the current Contract Value if greater, and apply future quarterly simple interest to this reset value.

Annual Increase Percentage – the simple interest increase we apply quarterly to the Annual Increase as discussed in section 11.a. The Annual Increase Percentage for the Income Protector rider is stated in the Rate Sheet Supplement that you receive at the time you select the benefit and that is in effect on your Rider Effective Date. Please see Appendix K for the Annual Increase Percentage for previously available versions of Income Protector.

Annuitant – the individual upon whose life we base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase if they take a Full Annuitization. There are restrictions on who can become an Annuitant.

Annuity Options – the annuity income options available to you under the Contract.

Annuity Payments – payments made by us to the Payee pursuant to the chosen Annuity Option.

Annuity Phase – the phase the Contract is in once Annuity Payments begin. This may occur at the same time as the Accumulation Phase if you apply part of your Contract Value to a Partial Annuitization.

Base Contract – the Contract without any optional benefits.

Beneficiary – unless otherwise required by the Contract, the person(s) or entity the Owner designates to receive any death benefit.

Benefit Anniversary – a twelve-month anniversary of the Benefit Date, or any subsequent twelve-month Benefit Anniversary.

Benefit Base – the amount we use to determine the initial annual maximum Lifetime Plus Payment.

Benefit Date – the date you begin receiving Lifetime Plus Payments under Income Protector as discussed in section 11.a or under the Lifetime Benefits discussed in Appendix D, or Income Focus Payments under Income Focus.

Benefit Year – any period of twelve months beginning on the Benefit Date, or on a subsequent Benefit Anniversary.

Bonus Option – an optional benefit that provides a 6% bonus on Purchase Payments we receive before the older Owner reaches age 81 (subject to a three-year vesting schedule) as discussed in section 11.c. This benefit has an additional M&E charge and a higher and longer withdrawal charge schedule.

Bonus Value – if you have the Bonus Option, the total Contract Value plus any unvested bonus amounts.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Business Day – each day on which the New York Stock Exchange is open for trading, except when an Investment Option does not value its shares. Allianz Life is open for business on each day that the New York Stock Exchange is open. Our Business Day closes when regular trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.

Charge Lock Date – this is the date after which your Income Protector or Income Focus rider charge does not change.

Charge Lock Option – a rider that may be available to you if you have Income Protector or Income Focus and we increase your benefit's rider charge. The Charge Lock Option rider allows you to keep your benefit at the current rider charge, but with reduced guaranteed values and payments, and no opportunity for future payment increases. The Charge Lock Option rider for Income Protector is discussed in section 11.a, and for Income Focus it is discussed in Appendix I.

Contract – the individual flexible purchase payment variable deferred annuity contract described by this prospectus.

Contract Anniversary – a twelve-month anniversary of the Issue Date or any subsequent twelve-month Contract Anniversary.

Contract Value – on any Business Day, the sum of the values in your selected Investment Options. The Contract Value reflects the deduction of any contract maintenance charge, transfer fee, M&E charge and rider charge, but does not reflect the deduction of any withdrawal charge. It does not include amounts applied to a Partial Annuitization. If you have the Bonus Option, Contract Value includes only vested bonus amounts; it does not include unvested bonus amounts.

Contract Year – any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary.

Covered Person(s) – the person(s) upon whose age and lifetime(s) we base Lifetime Plus Payments or Income Focus Payments. There are restrictions on who can become a Covered Person.

Cumulative Withdrawal –while you are receiving Lifetime Plus Payments under the Lifetime Benefits described in Appendix D, this is the portion of a withdrawal that is less than or equal to your Cumulative Withdrawal Value.

Cumulative Withdrawal Benefit – a benefit under the Lifetime Benefits described in Appendix D in all states except Nevada that allows you to control the amount of Lifetime Plus Payments you receive.

Cumulative Withdrawal Value – under the Lifetime Benefits described in Appendix D, if you take less than the maximum Lifetime Plus Payment that you are entitled to, we add the difference between the annual maximum and annual actual Lifetime Plus Payment to the Cumulative Withdrawal Value.

Earliest Anniversary – the earliest available initial Target Value Date that you can select as discussed in Appendix J. In the Contract the Earliest Anniversary is called the Earliest Target Value Anniversary. Appendix J also includes historical Earliest Anniversary rates for all versions of Investment Protector.

Enhanced 5% Annual Increase – an amount used to determine the Benefit Base under the Lifetime Plus II Benefit described in Appendix D.

Enhanced 10-Year Value – an amount used to determine the Benefit Base under the Lifetime Plus Benefit or Lifetime Plus II Benefit described in Appendix D.

Excess Withdrawal – if you have Income Protector or Income Focus, the amount of any withdrawal you take while you are receiving Lifetime Plus Payments or Income Focus Payments that, when added to other withdrawals taken during the Benefit Year, is greater than your annual maximum permitted payment. Excess Withdrawals reduce your Contract Value and any guaranteed values, and may end your Contract. If you have one of the Lifetime Benefits, please see Appendix D for a definition of Excess Withdrawal that applies to your Contract.

Financial Professional – the person who advises you regarding the Contract.

Full Annuitization – the application of the total Contract Value to Annuity Payments.

Future Anniversary – the number of Rider Anniversaries that occur between the initial Target Value Date and each subsequent Target Value Date as discussed in Appendix J. Appendix J also includes historical Future Anniversary rates for all versions of Investment Protector.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Good Order – a request is in "Good Order" if it contains all of the information we require to process the request. If we require information to be provided in writing, "Good Order" also includes providing information on the correct form, with any required certifications, guarantees and/or signatures, and received at our Service Center after delivery to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about the information we require, or whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number that includes the date and time we received your information.

Guarantee Percentage – a percentage we use to calculate the Target Value as discussed in Appendix J. Appendix J also includes historical Guarantee Percentage rates for all versions of Investment Protector.

Guarantee Years – the maximum number of years that you can receive simple interest increases under the Annual Increase as discussed in section 11.a. The Guarantee Years for the Income Protector rider are stated in the Rate Sheet Supplement that you receive at the time you select the benefit and that is in effect on your Rider Effective Date. Please see Appendix K for the Guarantee Years for previously available versions of Income Protector.

Highest Annual Increase – an amount used to determine the Benefit Base under the Lifetime Plus II Benefit described in Appendix D.

Income Date – the date we begin making Annuity Payments to the Payee from the Contract. Because the Contract allows for Partial Annuitizations, there may be multiple Income Dates.

Income Focus – an optional benefit described in Appendix I that is no longer available, has an additional rider charge and is intended to provide a payment stream for life in the form of partial withdrawals. Income Focus provides no payment until the younger Covered Person is at least age 60.

Income Focus Payment – the payment we make to you under Income Focus based on Income Value(s) and associated Income Value Percentage(s).

Income Protector – an optional benefit described in section 11.a and Appendix K that has an additional rider charge and is intended to provide a payment stream for life in the form of partial withdrawals. Income Protector provides no payment until the younger Covered Person meets the minimum exercise age stated in the Rate Sheet Supplement for the Income Protector rider, or stated in Appendix K for previously available versions of Income Protector.

Income Value(s) – if you have Income Focus, we establish an Income Value for all Purchase Payments received in a specific time period that have the same associated Income Value Percentage as stated in Appendix I. We adjust each Income Value for subsequent withdrawals. A single Contract may have multiple Income Values. We use Income Value(s) to calculate the annual maximum Income Focus Payment.

Income Value Percentage(s) – a percentage we apply to each Income Value to determine the annual maximum Income Focus Payment. We establish a separate Income Value Percentage for each Income Value as discussed in Appendix I. Each Income Value Percentage can potentially increase by 1% each year if your Contract Value increases.

Increase Base – an amount we use to determine the Annual Increase as discussed in section 11.a. If you select Income Protector at issue, it is initially equal to total Purchase Payments adjusted for withdrawals. On Quarterly Anniversaries, if we reset the Annual Increase to equal the current Contract Value, we also reset the Increase Base to equal the current Contract Value.

Investment Options – the variable investments available to you under the Contract. Investment Option performance is based on the securities in which they invest.

Investment Protector – an optional benefit described in Appendix J that is no longer available, has an additional rider charge and is intended to provide a level of protection for your principal and any annual investment gains on a specific date in the future.

Issue Date – the date shown on the Contract that starts the first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.

Joint Owners – two Owners who own a Contract.

Last Increase Date – if you have Income Protector and select the Charge Lock Option rider, this is the date after which you no longer receive automatic increases to your guaranteed values and payments.

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Lifetime Plus Benefit, Lifetime Plus II Benefit, Lifetime Plus 10 Benefit – optional benefits described in Appendix D that have an additional M&E charge and were intended to provide a payment stream for life in the form of partial withdrawals.

Last Performance Increase Date – if you have Income Focus and select the Charge Lock Option rider, this is the date after which your Income Value Percentages no longer receive Performance Increases.

Lifetime Plus Payment – the payment we make to you under Income Protector or the Lifetime Benefits described in Appendix D based on the Benefit Base.

Non-Qualified Contract – a Contract that is not purchased under a pension or retirement plan qualified for special tax treatment under sections of the Internal Revenue Code.

No Withdrawal Charge Option – an optional benefit described in Appendix H that has an additional M&E charge and eliminates the Base Contract's seven-year withdrawal charge.

Owner – "you," "your" and "yours." The person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.

Partial Annuitization – the application of only part of the Contract Value to Annuity Payments.

Payee – the person or entity who receives Annuity Payments during the Annuity Phase.

Payment Percentages – a percentage we use to calculate the annual maximum Lifetime Plus Payment as discussed in section 11.a. The Payment Percentages table for the Income Protector rider is stated in the Rate Sheet Supplement that you receive at the time you select the benefit and that is in effect on your Rider Effective Date. Please see Appendix K for the Payment Percentages table for previous versions of Income Protector.

Performance Increase – a 1% annual increase to each Income Value Percentage if your annual Contract Value increases. A Performance Increase occurs for an Income Value Percentage only if it is associated with an Income Value we have had for at least one full Rider Year.

Purchase Payment – the money you put into the Contract.

Qualified Contract – a Contract purchased under a pension or retirement plan qualified for special tax treatment under sections of the Internal Revenue Code (for example, 401(a) and 401(k) plans), Individual Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred to as TSA or 403(b) contracts).

Quarterly Anniversary – the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Anniversary.

Quarterly Anniversary Value – the highest Contract Value on any Quarterly Anniversary before age 91, adjusted for subsequent Purchase Payments and withdrawals, used to determine Income Protector's Benefit Base as discussed in section 11.a, and the Quarterly Value Death Benefits in section 11.b and Appendix F.

Quarterly Value Death Benefit – an optional benefit described in section 11.b and Appendix F that has an additional M&E charge and was intended to provide an increased death benefit. The benefit described in section 11.b requires selection of an Additional Required Benefit.

Rate Sheet Supplement – the supplement that must accompany this prospectus that contains the rates for the values used to calculate the benefits provided by Income Protector. The Rate Sheet Supplement has the rates for the Annual Increase Percentage, Guarantee Years and Payment Percentages table. Once these rates are established for your Contract, they will not change while your benefit is in effect.

Rider Anniversary – a twelve-month anniversary of the Rider Effective Date or any subsequent twelve-month Rider Anniversary.

Rider Anniversary Value – the highest Contract Value on any Rider Anniversary, adjusted for subsequent Purchase Payments and withdrawals, used to determine Investment Protector's Target Value as discussed in Appendix J.

Rider Effective Date – the date shown on the Contract that starts the first Rider Year if you have Income Protector, Income Focus or Investment Protector. Rider Anniversaries and Rider Years are measured from the Rider Effective Date.

Rider Year – any period of twelve months beginning on the Rider Effective Date or a subsequent Rider Anniversary.

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Separate Account – Allianz Life Variable Account B is the Separate Account that issued your Contract. It is a separate investment account of Allianz Life. The Separate Account holds the Investment Options that underlie the Contracts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Investment Option.

Service Center – the area of our company that provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of this prospectus. The address for mailing checks for Purchase Payments may be different and is also listed at the back of this prospectus.

Short Withdrawal Charge Option – an optional benefit described in Appendix G that has an additional M&E charge and shortens the Base Contract's withdrawal charge period to four years.

Target Value – if you selected Investment Protector at issue, it is the greater of total Purchase Payments adjusted for withdrawals, or the Rider Anniversary Value multiplied by the Guarantee Percentage, and is available on each Target Value Date as stated in Appendix J. If you selected a Target Date Benefit, it is the highest Contract Value on any Contract Anniversary, adjusted for subsequent Purchase Payments and withdrawals as stated in Appendix E.

Target Value Date – the date on which we guarantee your Contract Value cannot be less than the Target Value.

Total Income Value – the sum of all your individual Income Value(s). We use the Total Income Value to determine your Income Focus rider charge.

Traditional Death Benefit – the death benefit provided by the Contract that is equal to the greater of Contract Value or the Traditional Death Benefit Value described in section 10 and Appendix D.

Traditional Death Benefit Value – total Purchase Payments adjusted for withdrawals.

Valid Claim – the documents we require to be received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any required governmental forms. Due proof of death includes a certified copy of the death certificate, a decree of court of competent jurisdiction as to the finding of death, or any other proof satisfactory to us.

Withdrawal Charge Basis – the total amount under your Contract that is subject to a withdrawal charge.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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FEE TABLES

These tables describe the fees and expenses you pay when purchasing, owning and taking a withdrawal from the Contract, or transferring Contract Value between Investment Options. For more information, see section 7, Expenses.

OWNER TRANSACTION EXPENSES

Withdrawal Charge During Your Contract's Initial Phase, the Accumulation Phase⁽¹⁾

(as a percentage of each Purchase Payment withdrawn)⁽²⁾

Number of Complete Years Since Purchase Payment	Withdrawal Charge Amount(3)
	Base Contract(4)	Bonus Option(5)	Short Withdrawal Charge Option	No Withdrawal Charge 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)

OWNER PERIODIC EXPENSES

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 on or after October 26, 2009, 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 on or after October 26, 2009, 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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CONTRACT ANNUAL EXPENSES

[INCOME PROTECTOR RIDER VERSIONS 08.16 AND 09.16, AND INVESTMENT PROTECTOR RIDER VERSIONS 08.16, 09.16, AND 10.16 TO BE ADDED UPON AMENDMENT]

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 - 7/23/2012	1.65%
No Withdrawal Charge Option	3/17/2008 - 3/31/2009 7/22/2009 - 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 Rider	Rider Charge (as a percentage of the Benefit Base)
	Maximum	Current(11)
Income Protector
Single Lifetime Plus Payments	2.50%	1.40%
Joint Lifetime Plus Payments	2.75%	1.40%

Previously Available Riders (Version Identifier)	Contract Version	Available Dates	Rider Charge
			Maximum		Current(11)
			Single Payments	Joint Payments	Single Payments	Joint Payments
Income Protector with Lifetime Plus Payments(12)(rider charge as a percentage of the Benefit Base)
Income Protector (04.15, 04.16, 05.16, 06.16, 7.16)	A(13) and B	4/27/2015 – 10/3/2016	2.50%	2.75%	1.40%	1.40%
Income Protector (10.12)	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%	1.60%	1.60%
Income Protector (01.12)	A and B	1/23/2012 - 4/27/2012	2.50%	2.75%	1.60%	1.60%
Income Protector (05.11)	A and B	5/2/2011 - 1/20/2012	2.50%	2.75%	1.55%	1.70%
Income Protector (08.09, 05.10)	A	7/22/2009 - 4/29/2011	2.50%	2.75%	1.55%	1.70%
Income Focus with Income Focus Payments(12)(rider charge as a percentage of the Total Income Value)
Income Focus	B	4/30/2012 - 4/24/2015	2.75%	2.95%	1.30%	1.30%

Previously Available Rider (Version Identifier)	Contract Version	Available Dates	Rider Charge (as a percentage of the Target Value)
			Maximum	Current(11)
Investment Protector
Investment Protector (01.12, 07.12, 07.13, 04.15, 04.16, 05.16, 06.16, 07.16)	A(13) and B	4/30/2012 – 10/14/2016	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 Additional M&E Charge(14) (as a percentage of each Investment Options' net asset value)	Current Additional M&E Charge(14) (as a percentage of each Investment 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) and Lifetime 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 PlusBenefit (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%

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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ANNUAL OPERATING EXPENSES OF THE INVESTMENT OPTIONS

Following are the minimum and maximum total annual operating expenses charged by any of the Investment Options for the period ended December 31, 2015, before the effect of any contractual expense reimbursement or fee waiver. We show the expenses as a percentage of an Investment Option's average daily net assets.

	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	0.49%	1.86%

(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 see section 7, Expenses – Rider Charge. For Income Focus see Appendix I, and for Investment Protector see Appendix J.

(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) For Contracts issued in Nevada, the additional M&E charge is 0.70% for single payments and 0.85% for joint payments and this charge will not change. In all other states, 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.

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EXAMPLES

These examples are intended to help you compare the cost of investing in this Contract with the costs of other variable annuity contracts. These examples assume you make a $10,000 investment and your selected Investment Options earn a 5% annual return. They also assume the maximum potential fees and charges for each period and are not a representation of past or future expenses. Your Contract expenses may be more or less than the examples below, depending on the Investment Option(s) and optional benefits you select, and whether and when you take withdrawals.

We deduct the $50 contract maintenance charge in the examples at the end of each Contract Year during the Accumulation Phase and we may waive this charge under certain circumstances, as described in section 7, Expenses – Contract Maintenance Charge. A transfer fee may apply, but is not reflected in these examples (see section 7, Expenses – Transfer Fee).

All figures in the examples below reflect the most expensive combination of benefits, which is the Base Contract with Bonus Option, Quarterly Value Death Benefit, and Income Protector with joint payments (8.5% declining withdrawal charge, 2.00% M&E charge and a maximum rider charge of 2.75%).

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

Total annual Investment Option operating expenses before any fee waivers or expense reimbursements of:	1 Year		3 Years		5 Years		10 Years
1.86% (the maximum Investment Option operating expense)	$	1,585	$	3,094	$	4,500	$	7,842
0.49% (the minimum Investment Option operating expense)	$	1,445	$	2,696	$	3,872	$	6,782

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 expenses before any fee waivers or expense reimbursements of:	1 Year		3 Years		5 Years		10 Years
1.86% (the maximum Investment Option operating expense)		-	$	2,244	$	3,800	$	7,842
0.49% (the minimum Investment Option operating expense)		-	$	1,846	$	3,172	$	6,782

3) If you do not surrender your Contract.

Total annual Investment Option operating expenses before any fee waivers or expense reimbursements of:	1 Year		3 Years		5 Years		10 Years
1.86% (the maximum Investment Option operating expense)	$	735	$	2,244	$	3,800	$	7,842
0.49% (the minimum Investment Option operating expense)	$	595	$	1,846	$	3,172	$	6,782

See Appendix B for condensed financial information regarding the accumulation unit values (AUVs) for the highest and lowest charges as of December 31, 2015. See the SAI Appendix for condensed financial information regarding the December 31, 2015 AUVs for other charges.

NOTE FOR CONTRACTS WITH THE PREVIOUSLY AVAILABLE INCOME FOCUS RIDER: In example 1 (if you surrender your Contract) and example 3 (if you do not surrender your Contract), the most expensive combination of benefits in Year 1 are for the Base Contract with Bonus Option, Quarterly Value Death Benefit and Income Focus with joint payments (8.5% declining withdrawal charge, 2.00% M&E charge and a maximum rider charge of 2.95%). Please see Appendix M for expense example 1 (full surrender) and 3 (no surrender) for these Contracts.

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1. THE VARIABLE ANNUITY CONTRACT

NOTE: Version A Contracts and Version B Contracts are no longer offered for sale, but you may be able to make additional Purchase Payments or add certain optional benefits.

An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life), where you make payments to us and the money is invested in Investment Options available through the Contract. Depending on market conditions, your Contract can gain or lose value based on your selected Investment Options' performance. When you are ready to take money out, we make payments to you according to your instructions and any restrictions associated with the payout option you select that is described in this prospectus. We do not make any changes to your Contract without your permission except as may be required by law.

The Contract has an Accumulation Phase and an Annuity Phase.

The Accumulation Phase is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, your money is invested in the Investment Options you select on a tax-deferred basis. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your Contract. (For more information, see section 12, Taxes.)

During the Accumulation Phase you can take withdrawals (subject to any withdrawal charge). You can also make additional Purchase Payments if your Contract was issued in Connecticut, Florida, or New Jersey, or if your Contract was issued from August 17, 2009 through April 26, 2013. Purchase Payments are subject to the restrictions set out in section 3, Purchase Payments – Purchase Payment Requirements.

NOTE: We no longer accept additional Purchase Payments to Contracts issued before August 17, 2009 in all states except Connecticut, Florida, and New Jersey.

For an additional charge, you may be able to select any one of the following optional benefits, if available.

Currently Available Rider

· Income Protector (see section 11.a)provides guaranteed lifetime income called Lifetime Plus Payments that can begin once the minimum exercise age is met, or as late as 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 K contains information specific to previously available versions of this benefit.

Previously Available Riders

· 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.b 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.c) 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 through January 23, 2009 and the Lifetime Plus II Benefit was available from November 12, 2007 through 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 through 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 provide 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. The Target Date Retirement Benefit was available from March 17, 2008 through January 23, 2009, and the Target Date 10 Benefit was available from January 26, 2009 through March 31, 2009.

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· 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 through April 24, 2015.

· Investment Protector (see Appendix J) is similar to the Target Date Benefits. This benefit also provides 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. Investment Protector was available from July 22, 2009 through October 14, 2016.

The Accumulation Phase ends upon the earliest of the following.

· 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/Beneficiary 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.

If you request Annuity Payments, your Contract enters the Annuity Phase. During the Annuity Phase we make regular periodic payments (Annuity Payments) based on the life of a person you choose (the Annuitant). We send Annuity Payments to you (the Payee). You can choose when Annuity Payments begin (the Income Date), subject to certain restrictions. We base Annuity Payments on your Contract Value and the payout rates for the Annuity Option you select. If you select variable Annuity Payments, your payments will change based on your selected Investment Options' performance. If you select fixed Annuity Payments, your payments do not change unless an Annuitant dies. The Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more information, see section 9, The Annuity Phase.

STATE SPECIFIC CONTRACT RESTRICTIONS

The Contract is subject to the law of the state in which it was issued. Some of the features of your Contract may differ from the features of a Contract issued in another state because of state-specific legal requirements. Features for which there are state-specific Contract provisions include the following.

· 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 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 material state variations in the Contract are disclosed in this prospectus. If you would like more information regarding state-specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed at the back of this prospectus. Our "Service Center" is the area of our company that issues Contracts and provides Contract maintenance and routine customer service.

WHEN THE CONTRACT ENDS

The Contract ends when:

· 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.

For example, if you purchased a Contract and take a full withdrawal of the total Contract Value, both the Accumulation Phase and the Contract end even though the Annuity Phase never began and we did not make any death benefit payments.

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2. OWNERS, ANNUITANTS, AND OTHER SPECIFIED PERSONS

OWNER

You, as the Owner, have all the rights under the Contract. The Owner was designated at Contract issue. The Owner may be a non-individual, which is anything other than an individual person, which could be a trust, qualified plan, or corporation. Qualified Contracts can only have one Owner.

JOINT OWNERS

Non-Qualified Contracts can be owned by up to two individual Owners. If a Contract has Joint Owners, we generally require the signature of both Owners on any forms that are submitted to our Service Center.

NOTE: Partial Annuitizations (applying only part of your Contract Value to Annuity Payments) are not available to Joint Owners. There can be only one Owner, the Owner must be the Annuitant, and we do not allow the Owner to add a joint Annuitant.

ANNUITANT

The Annuitant is the individual on whose life we base Annuity Payments. Subject to our approval, you designated an Annuitant when you purchased your Contract. For Qualified Contracts, before the Income Date the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a custodial arrangement. You can change the Annuitant on an individually owned Non-Qualified Contract at any time before the Income Date, but you cannot change the Annuitant if the Owner is a non-individual (for example, a qualified plan or trust). Subject to our approval, you can add a joint Annuitant on the Income Date if you take a Full Annuitization. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements associated with the Contract. For jointly owned Contracts, if the Annuitant dies before the Income Date, the younger Owner automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.

Designating different persons as Owner(s) and Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below. For more examples, please see the Appendix to the SAI. Use care when designating Owners and Annuitants, and consult your Financial Professional if you have questions.

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 that is 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.	·	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 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.

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BENEFICIARY

The Beneficiary is the person(s) or entity you designated at Contract issue to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary predeceases you, or you and a Beneficiary die simultaneously as defined by applicable state law or regulation, that Beneficiary's interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the Owner is a non-individual.

NOTE FOR JOINTLY OWNED CONTRACTS: The sole primary Beneficiary is the surviving Joint Owner regardless of any other named Beneficiaries. Spousal Joint Owners may also appoint contingent Beneficiaries. However, Joint Owners who are not spouses may not appoint contingent Beneficiaries. If both Joint Owners who were never spouses die before we pay the death benefit, we pay the death benefit to the estate of the Joint Owner who died last.

If both spousal Joint Owners die simultaneously as defined by applicable state law or regulation, we pay the death benefit to the named contingent Beneficiaries, or to the estate of the spousal Joint Owner who died last if there are no named contingent Beneficiaries. If both spousal Joint Owners die simultaneously, state law may dictate who receives the death benefit.

COVERED PERSON(S)

If you have Income Protector or Income Focus, we base Lifetime Plus Payments or Income Focus Payments (lifetime payments) on the lives of the Covered Person(s). Their ages determine availability of the benefit, when lifetime payments can begin and the Lifetime Plus Payment percentage or initial Income Value Percentage as applicable. When you select one of these benefits, you choose whether you want payments based on your life (single lifetime payments), or the lifetime of you and your spouse (joint lifetime payments). Joint Covered Persons must be spouses within the meaning of federal tax law during the entire period your selected benefit is in effect. Joint lifetime payments are not available if there is more than a 30-year age difference between spouses. Based on your payment selection, we determine the Covered Persons as follows.

For single lifetime payments and:

· 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 payments, Covered Persons must be spouses and:

· 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.

After the date Income Protector or Income Focus is added to your Contract (Rider Effective Date) you cannot add or change a Covered Person. However, you can remove a joint Covered Person before the Benefit Date on a Contract Anniversary, or after the Benefit Date on a Benefit Anniversary by completing the appropriate form and sending it to us within 30 days before the anniversary. A Contract Anniversary is a twelve-month anniversary of your Contract's Issue Date. A Benefit Anniversary is a twelve-month anniversary of the Benefit Date that Lifetime Plus Payments or Income Focus Payments begin. We process your request on the Contract Anniversary* (or Benefit Anniversary*) that occurs immediately after we receive your request in Good Order at our Service Center. A request is in "Good Order" when it contains all the information we require to process it. If you remove a joint Covered Person, we change your rider charge to equal the current charge for single lifetime payments that is in effect on the anniversary that we process your request to remove a joint Covered Person if this amount differs from your current charge. However, any new rider charge cannot be greater than the maximum listed in the Fee Tables or section 7, Expenses - Rider Charge.

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

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Joint Covered Persons must qualify as spouses under federal tax law until the benefit ends. 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 we will remove one former spouse from the Contract as a Covered Person and also as an Owner, Joint Owner and Annuitant. At this time, we change the rider charge to equal the current charge for single lifetime payments that is in effect if this amount differs from your current charge. However, any new rider charge cannot be greater than the maximum listed in the Fee Tables or section 7, Expenses - Rider Charge. 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 payments and the Contract all end.

If you select Income Protector and remove a joint Covered Person, we may increase your annual maximum Lifetime Plus Payment. If at the end of the last Business Day before the Benefit Anniversary that we remove the joint Covered Person the payment percentage for the remaining Covered Person's current age multiplied by the Contract Value is greater than your current annual maximum Lifetime Plus Payment, we increase your payment to this new amount. If you have Income Focus removing a joint Covered Person does not change your annual maximum Income Focus Payment.

Once we remove a Covered Person, he or she cannot be reinstated.

NOTE:

· 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. However, if the Contract Value reduces to zero before the one year anniversary of the first civil union partner's death, lifetime payments can continue as Annuity Payments 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.

PAYEE

The Payee is the person or entity who receives Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally we require the Payee to be an Owner. However, we may allow you to name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee subject to our approval. For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.

ASSIGNMENTS, CHANGES OF OWNERSHIP AND OTHER TRANSFERS OF CONTRACT RIGHTS

You can assign your rights under this Contract to someone else during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.

You must submit your request to assign the Contract in writing to our Service Center and we must approve it in writing. To the extent permitted by state law, we reserve the right to refuse to consent to any assignment at any time on a nondiscriminatory basis. We will not consent if the assignment would violate or result in noncompliance with any applicable state or federal law or regulation.

Upon our consent, we record the assignment. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change the Annuitant or Beneficiary you must make a separate request.

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An assignment may be a taxable event. In addition, there are other restrictions on changing the ownership of a Qualified Contract and Qualified Contracts generally cannot be assigned absolutely or on a limited basis. You should consult with your tax adviser before assigning this Contract.

NOTE IF YOU SELECT INCOME PROTECTOR OR HAVE INCOME FOCUS:

· 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

PURCHASE PAYMENT REQUIREMENTS

We no longer accept additional Purchase Payments for Contracts issued before August 17, 2009 in all states except Connecticut, Florida, and New Jersey.

The additional Purchase Payment requirements for Contracts issued in Connecticut, Florida, and New Jersey, and for Contracts issued from August 17, 2009 through April 26, 2013, are as follows.

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

· If you have Income Protector, Income Focus or Investment Protector, 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 have Income Protector or 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 have 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.

We may, at our sole discretion, waive the minimum Purchase Payment requirements.

If you make additional Purchase Payments, we add this money to your Contract on the Business Day we receive it in Good Order. Our Business Day closes when regular trading on the New York Stock Exchange closes.

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If you submit a Purchase Payment to your Financial Professional, we do not begin processing the payment until we receive it. A Purchase Payment is "received" when it arrives at our Service Center from the address for mailing checks listed at the back of this prospectus regardless of how or when you submitted them. We forward Purchase Payments we receive at the wrong address to the last address listed at the back of this prospectus, which may delay processing.

For Contracts issued from August 17, 2009 through April 26, 2013, we may terminate your ability to make additional Purchase Payments because we reserve the right to decline any or all Purchase Payments at any time on a non-discriminatory basis. This applies to Contracts issued in all states except those listed in the following Note. If mandated under applicable law, we may be required to reject a Purchase Payment. If we exercise our right to no longer allow additional Purchase Payments this may limit your ability to fund your Contract's guaranteed benefits such as Income Protector's Benefit Base, Income Focus' Income Values, Investment Protector's Target Value or the Quarterly Value Death Benefit's Quarterly Anniversary Value.

NOTE:

· For Contracts issued in Mississippi: Additional Purchase Payments are limited to the first Contract Year, so we no longer accept additional Purchase Payments.

· For Contracts issued in Massachusetts: If you have Investment Protector, additional Purchase Payments are limited to the first three Contract Years, so we no longer accept additional Purchase Payments on these Contracts. This restriction continues to apply even if you later remove Investment Protector from your Contract. Contracts issued in Massachusetts with Investment Protector were 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 $1million 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).

ALLOCATION OF PURCHASE PAYMENTS

You must allocate your money to the Investment Options in whole percentages. If you have the Bonus Option, we allocate the bonus in the same way as the corresponding Purchase Payment. Currently we allow you to invest in up to 15 Investment Options at any one time. We may change this maximum in the future, but you can always invest in at least five Investment Options.

You can instruct us how to allocate additional Purchase Payments. If you do not instruct us, we allocate them according to your future Purchase Payment allocation instructions. Contract Value transfers between Investment Options do not change your future allocation instructions, or how we rebalance your Contract Value quarterly if you have Income Protector, Income Focus or Investment Protector. For more information, see section 5, Investment Options – Electronic Investment Option Transfer and Allocation Instructions.

You can change your future allocation instructions at any time without fee or penalty. Future allocation instruction changes are effective on the Business Day we receive them in Good Order at our Service Center. If you change your future allocation instructions and you are participating in the dollar cost averaging program or the flexible rebalancing program, this change does not automatically apply to your allocation instructions for these programs. To change your allocation instructions for these programs, you must send us additional instructions. We accept changes to future allocation instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone else to change allocation instructions on your behalf.

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AUTOMATIC INVESTMENT PLAN (AIP)

The AIP is no longer available to Contracts issued before August 17, 2009 in all states except Connecticut, Florida, and New Jersey.

The AIP makes additional Purchase Payments during the Accumulation Phase on a monthly or quarterly basis by electronic money transfer from your savings, checking or brokerage account. You can participate in AIP by completing our AIP form. Our Service Center must receive your form in Good Order by the 15th of the month (or the next Business Day if the 15th is not a Business day) in order for AIP to begin that same month. We process AIP Purchase Payments on the 20th of the month, or the next Business Day if the 20th is not a Business Day. We allocate AIP Purchase Payments according to your future allocation instructions which must comply with the allocation requirements and restrictions stated in this section, and if you have Income Protector, Income Focus or Investment Protector, they must also comply with the allocation restrictions stated in section 11.a, Appendix I or Appendix J. AIP has a maximum of $1,000 per month. We must receive your request to stop or change AIP at our Service Center by 4 p.m. Eastern Time on the Business Day immediately before the Business Day we process AIP to make the change that month. If you have Income Protector, Income Focus or Investment Protector, and/or choose to begin Annuity Payments, AIP ends automatically as follows.

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

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

· If you have Investment Protector, AIP ends on the third rider anniversary.

We reserve the right to discontinue or modifyAIP at any time and for any reason.

NOTE: For Owners of Qualified Contracts, AIP is not available if your Contract is funding a plan that is tax qualified under Section 401 or 403(b) of the Internal Revenue Code.

DOLLAR COST AVERAGING (DCA) PROGRAM

The DCA program transfers Contract Value or Bonus Value (Contract Value plus any unvested bonus amounts if you have the Bonus Option) monthly from the AZL Government Money Market Fund to your selected Investment Options. By allocating on a regularly scheduled basis, as opposed to making a one-time allocation, your Contract Value may be less susceptible to market fluctuations. However, dollar cost averaging does not directly result in a Contract Value gain or protect against a market loss.

You can participate in either the six- or twelve-month DCA program by completing our DCA form. You can participate in this program, during the Accumulation Phase, one or more times. There are no fees for DCA transfers and currently, we do not count them as a free transfer. We reserve the right to discontinue or modify the DCA program at any time and for any reason.

If you choose to participate in this program, you must allocate at least $1,500 to the AZL Government Money Market Fund. Each month while the program is in effect, we transfer Contract Value (or Bonus Value, if applicable) applied to the DCA program from the AZL Government Money Market Fund according to your future Purchase Payment allocation instructions.

Information on the AZL Government Money Market Fund can be found in section 5, Investment Options; Appendix A – Annual Operating Expenses for Each Investment Option; and in the AZL Government Money Market Fund prospectus that you can obtain from your Financial Professional or us by calling the toll-free telephone number at the back of this prospectus.

We make DCA transfers on the tenth of the month, or the next Business Day if the tenth is not a Business Day. We must receive your DCA form in Good Order at our Service Center by 4 p.m. Eastern Time on the Business Day before we process these transfers or your participation does not begin until next month.

Your participation ends on the earliest of the following:

· the Benefit Date that Lifetime Plus Payments begin if you have 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.

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If the DCA program ends at your request or because you request Lifetime Plus Payments, on the Business Day your program ends we transfer any remaining DCA program Contract Value in the AZL Government Money Market Fund according to your future allocation instructions.

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 Government Money Market Fund.

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

4. VALUING YOUR CONTRACT

Your Contract Value (and Bonus Value, if applicable) increases and decreases based on Purchase Payments (and any bonus), transfers, withdrawals, deduction of fees and charges, and your selected Investment Options' performance.

We place Purchase Payments you allocate to the Investment Options into subaccounts under our Separate Account (Allianz Life Variable Account B). Each subaccount invests exclusively in one Investment Option. We use accumulation units to account for all amounts allocated to or withdrawn from each subaccount. If you request variable Annuity Payments during the Annuity Phase, we call this measurement an annuity unit.

ACCUMULATION UNITS

When we receive a Purchase Payment at our Service Center, we credit your Contract with accumulation units based on the Purchase Payment (and any bonus) amount and daily price (accumulation unit value) for the subaccount of your selected Investment Option. A subaccount's accumulation unit value is based on the price (net asset value) of the underlying Investment Option. An Investment Option's net asset value is typically determined at the end of each Business Day, and any Purchase Payment received at or after the end of the current Business Day receives the next Business Day's price.

We arbitrarily set the initial accumulation unit value for each subaccount. On the Issue Date, the number of accumulation units in each subaccount was equal to the initial Purchase Payment (and any bonus) amount allocated to a subaccount, divided by that subaccount's accumulation unit value.

Example

· 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.

We then divide $3,000 by $13.25 and credit your Contract on Wednesday night with 226.415094 subaccount accumulation units for your selected Investment Option.

At the end of each Business Day, we adjust the number of accumulation units in each subaccount as follows. Additional Purchase Payments (and any bonus) and transfers into a subaccount increase the number of accumulation units. Withdrawals, transfers out of a subaccount, and the deduction of any Contract charge other than the M&E charge decrease the number of accumulation units. The M&E charge reduces the accumulation unit value, not the number of accumulation units.

At the end of each Business Day for each subaccount, we multiply the accumulation unit value at the end of the prior Business Day by the percentage change in value of an Investment Option since the prior Business Day. The percentage change includes both the market performance of the Investment Option and the assessed M&E Charge.

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COMPUTING CONTRACT VALUE AND BONUS VALUE

We calculate your Contract Value or Bonus Value (Contract Value plus any unvested bonus amounts) at the end of each Business Day by multiplying each subaccount's accumulation unit value by its number of accumulation units, and then adding those results together for all subaccounts. If you have a Bonus Contract, we compute your Contract Value by deducting the unvested bonus amount from the Bonus Value. Additional Purchase Payments increase your Contract Value, withdrawals and Contract charges reduce your Contract Value. Your Contract Value and Bonus Value (if applicable) on any given Business Day are determined at the end of the prior Business Day. For example, your Contract Value on a Contract Anniversary reflects the number and value of the accumulation units at the end of the prior Business Day.

5. INVESTMENT OPTIONS

The following table lists this Contract's Investment Options and their associated investment advisers and subadvisers, investment objectives, and primary investments. Depending on market conditions, you can gain or lose value by investing in the Investment Options. In the future, we may add, eliminate or substitute Investment Options to the extent permitted by the federal securities laws and, when required, the Securities & Exchange Commission. Certain Investment Options listed here may not be available to you as disclosed in the list of Investment Options at the front of this prospectus.

You should read the Investment Options' prospectuses carefully. The Investment Options invest in different types of securities and follow varying investment strategies. There are potential risks associated with each of these types of securities and investment strategies. The operation of the Investment Options and their various risks and expenses are described in the Investment Options' prospectuses. You can obtain the current Investment Options' prospectus by contacting your Financial Professional or calling us at the toll-free telephone number listed at the back of this prospectus.

Currently, the Investment Options are not publicly traded mutual funds. They are available only as investment options in variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified pension or retirement plans. A material conflict of interest may arise between insurance companies, owners of different types of contracts, and retirement plans or their participants. Each Investment Option's Board of Directors monitors for material conflicts, and determines what action, if any, should be taken.

The names, investment objectives and policies of certain Investment Options may be similar to the names, investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Investment Options investment results may be higher or lower than these other portfolios' results. The investment advisers cannot guarantee, and make no representation, that these similar funds' investment results will be comparable even though the Investment Options have the same names, investment advisers, objectives, and policies.

Each Investment Option offered by the Allianz Variable Insurance Products Fund of Funds Trust (Allianz VIP Fund of Funds Trust) is a "fund of funds" and diversifies its assets by investing primarily in shares of several other affiliated mutual funds.

The Investment Options may pay 12b‑1 fees to the Contracts' distributor, our affiliate, Allianz Life Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are compensated by the Investment Options' advisers, distributors and/or affiliates for administrative services and benefits we provide to the Investment Options. The compensation amount usually is based on the Investment Options' aggregate assets purchased through contracts we issue or administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive is 0.35% annually of the average aggregate amount invested by us in the Investment Options.

The Allianz VIP Fund of Funds Trust underlying funds do not pay 12b‑1 fees or service fees to the Trust, and the Trust does not charge 12b‑1 fees or service fees. The Allianz VIP Fund of Funds Trust underlying funds or their advisers may pay service fees to us and our affiliates for providing customer service and other administrative services to you. Service fees may vary depending on the underlying fund.

We offer other variable annuity contracts that may invest in these Investment Options. These contracts may have different charges and may offer different benefits more appropriate to your needs. For more information about these contracts, please contact our Service Center.

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The following advisers and subadvisers are affiliated with us through common ownership: Allianz Investment Management LLC, Allianz Global Investors Fund Management LLC, NFJ Investment Group LLC, and Pacific Investment Management Company LLC.

INVESTMENT OPTIONS

Investment Management Company and Adviser/Subadviser	Investment Option Name	Asset Class	Investment Objective	Principal Investment Strategies (Normal market conditions)
ALLIANZ
Allianz Global Investors Fund Management LLC/Allianz Global Investors U.S. LLC	RCM Dynamic Multi-Asset Plus VIT Portfolio	Specialty	Long-term capital appreciation	Invests in a globally diverse combination of equity securities and U.S. dollar denominated fixed income securities, including emerging markets, and targets a strategic asset allocation of 60% equity exposure and 40% fixed income exposure. Seeks to limit downside risk by moving toward less volatile asset classes during periods of high market volatility.
ALLIANZ FUND OF FUNDS
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 DFA Multi-Strategy Fund	A "Fund of Funds" Model Portfolio	Long-term capital appreciation	Invests primarily in a combination of five underlying funds subadvised by Dimensional Fund Advisors LP, to achieve a range generally from 50% to 70% of assets in the underlying equity funds and 30% to 50% in the underlying fixed income fund.
	AZL Moderate Index Strategy Fund	Specialty	Long-term capital appreciation	Invests primarily in a combination of five underlying bond and equity index funds, to achieve a range generally from 50% to 70% of assets in the underlying equity index funds and 30% to 50% in the underlying bond index fund.
	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 Strategy Plus Fund	Specialty	High total investment return	Invests primarily (approximately 80% to 100%) in a combination of three underlying funds including AZL BlackRock Global Allocation Fund (50%), AZL Global Equity Index Fund (20%) and AZL Enhanced Bond Index Fund (30%) under normal market conditions, 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 DFA Multi-Strategy Fund	A "Fund of Funds" Model Portfolio	Long-term capital appreciation	Invests primarily (approximately 80% to 100%) in a combination of five underlying funds subadvised by Dimensional Fund Advisors LP, 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.

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Investment Management Company and Adviser/Subadviser	Investment Option Name	Asset Class	Investment Objective	Principal Investment Strategies (Normal market conditions)
	AZL MVP Fusion Dynamic Balanced 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 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 up to 20% of the fund's assets in a combination of derivative and fixed income instruments.
	AZL MVP Fusion Dynamic Conservative 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 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 up to 20% of the fund's assets in a combination of derivative and fixed income instruments.
	AZL MVP Fusion Dynamic Moderate Fund	A "Fund of Funds" Model Portfolio	Long-term capital appreciation	Invests primarily (approximately 80% to 100%) in a combination of underlying investments, to achieve a range generally from 50% to 70% of assets in equity funds and approximately 30% to 50% 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 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 Moderate Index Strategy Fund	Specialty	Long-term capital appreciation	Invests primarily (approximately 80% to 100%) in a combination of five underlying index funds (generally allocated 50% to 70% to underlying equity index funds and 30% to 50% 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 Pyramis Multi-Strategy Fund	Specialty	High level of current income while maintaining prospects for capital appreciation	Invests primarily (approximately 80% to 100%) in the underlying AZL Pyramis Multi-Strategy 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 Plus Fund	Specialty	Long term capital appreciation with preservation of capital as an important intermediate-term objective	Invests primarily (approximately 80% to 100%) in a combination of three underlying funds including AZL T. Rowe Price Capital Appreciation Fund (50%), approximately 30% in the AZL S&P 500 Fund and 20% in the AZL Enhanced Bond Index 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.

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Investment Management Company and Adviser/Subadviser	Investment Option Name	Asset Class	Investment Objective	Principal Investment Strategies (Normal market conditions)
BLACKROCK
Allianz Investment Management LLC/BlackRock Investment Management, LLC	AZL Emerging Markets Equity Index Fund	Specialty	Seeks to match the performance of the MSCI Emerging Markets Index as closely as possible	Invests in stocks in the MSCI World Emerging Markets Index.
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.
Allianz Investment Management LLC/BlackRock Investment Management, LLC	AZL Global Equity Index Fund	International Equity	Seeks to match the performance of the MSCI World Index as closely as possible	Invests in stocks in the MSCI World Index.
Allianz Investment Management LLC/BlackRock Advisors, LLC	AZL Government Money Market Fund	Cash Equivalent	Current income consistent with stability of principal	Invests at least 99.5% of its total assets in cash, government securities, or repurchase agreements that are collateralized fully. Invests at least 80% in government securities or in repurchase agreements collateralized by government securities. Investments include U.S. Treasury bills, notes and other obligations issued or guaranteed as to principal and interest by the U.S. Government, its agencies or instrumentalities, and repurchase agreements secured by such obligations. In addition, the Fund may invest in variable and floating rate instruments. During extended periods of low interest rates, and due in part to contract fees and expenses, the yield of the AZL Government Money Market Fund may also become extremely low and possibly negative.
Allianz Investment Management LLC/BlackRock Investment Management, LLC	AZL International Index Fund	International	Seeks to 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	Seeks to 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.
	AZL Russell 1000 Growth Index Fund	Large Growth	Seeks to 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	Seeks to 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	Seeks to 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	Seeks to 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.

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Investment Management Company and Adviser/Subadviser	Investment Option Name	Asset Class	Investment Objective	Principal Investment Strategies (Normal market conditions)
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
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.
FIDELITY
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.
FRANKLIN TEMPLETON
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.
	Franklin Income VIP Fund	Specialty	Maximize income while maintaining prospects for capital appreciation	Normally invests in debt and equity securities.
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.
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.
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 developing markets.
GATEWAY
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.
J.P. MORGAN
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.

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Investment Management Company and Adviser/Subadviser	Investment Option Name	Asset Class	Investment Objective	Principal Investment Strategies (Normal market conditions)
METWEST
Allianz Investment Management LLC/Metropolitan West Asset Management, LLC	AZL MetWest Total Return Bond Fund	Intermediate-Term Bonds	Maximize long-term total return	At least 80% of its net assets in investment grade fixed income securities or unrated securities that are determined by the subadviser to be of similar quality and in fixed income securities it regards as bonds. The portfolio duration is two to eight years and the dollar-weighted average maturity ranges from two to fifteen years. The Fund invests in the U.S. and abroad, including emerging markets.
MFS
Massachusetts Financial Services Company	MFS VIT Total Return 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
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.
NFJ
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.
PIMCO
Pacific Investment Management Company LLC	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 CommodityReal Return® 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.

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Investment Management Company and Adviser/Subadviser	Investment Option Name	Asset Class	Investment Objective	Principal Investment Strategies (Normal market conditions)
	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.
	PIMCO VIT StocksPLUS® Global Portfolio	International Equity	Total return, which exceeds that of its secondary benchmark index consistent with prudent investment management	The Portfolio normally uses equity derivatives instead of stocks to attempt to equal or exceed the daily performance of the Secondary Index (50% S&P 500 Index/50% MSCI EAFE Net Dividend Index (USD Unhedged)). Derivatives may be purchased with a small fraction of the assets that would be needed to purchase the equity securities directly, so that the remainder of the assets may be invested in Fixed Income Instruments with a view toward enhancing the Portfolio's total return, subject to an overall portfolio duration which is normally not expected to exceed one year.
	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
Allianz Investment Management LLC/FIAM LLC	AZL Pyramis Total 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.

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Investment Management Company and Adviser/Subadviser	Investment Option Name	Asset Class	Investment Objective	Principal Investment Strategies (Normal market conditions)
PYRAMIS/GEODE
Allianz Investment Management LLC/FIAM LLC/Geode Capital Management, LLC	AZL Pyramis Multi-Strategy Fund	Specialty	High level of current income while maintaining prospects for capital appreciation	Approximately 60% of the Fund's assets will be managed by FIAM LLC, which will invest primarily in investment-grade debt securities. Approximately 40% of the Fund's assets will be managed by Geode Capital Management, LLC which will invest primarily in the equities securities of large cap companies.
T. ROWE PRICE
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.

SUBSTITUTION AND LIMITATION ON FURTHER INVESTMENTS

We may substitute another Investment Option for one of your selected Investment Options, for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval and providing you notice. We may make substitutions with respect to your existing allocations, future Purchase Payment allocations, or both. New or substitute Investment Options may have different fees and expenses, and their availability may be limited to certain purchaser classes. We may limit further Investment Option allocations if marketing, tax or investment considerations warrant, or for any reason in our sole discretion. We may also close Investment Options to additional allocations. The fund companies that sell Investment Option shares to us, pursuant to participation agreements, may end those agreements and discontinue offering us their shares.

TRANSFERS BETWEEN INVESTMENT OPTIONS

You can make transfers between Investment Options, subject to the following restrictions. Currently, there is no maximum number of transfers allowed, but we may change this in the future. Transfers may be subject to a transfer fee, see section7, Expenses.

The following applies to any transfer.

· 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.

· Your request for a transfer must clearly state the Investment Options involved and how much to transfer.

· If you have Income Protector, Income Focus or Investment Protector, your transfer instructions must comply with the "Investment Option Allocation Restrictions and Quarterly Rebalancing" in section 11.a, Income Protector or Appendix I – Income Focus or Appendix J – Investment Protector.

· 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 have Income Protector, Income Focus or Investment Protector. To change this quarterly rebalancing when you make a transfer, you must also change your future allocation instructions.

We process transfer requests based on prices next determined after we receive your request in Good Order at our Service Center. If we do not receive your transfer request before the end of the current Business Day, even if due to our delay in answering your call or a delay caused by our electronic systems, you receive the next Business Day's prices. For jointly owned Contracts, unless you require us to obtain signatures from both Joint Owners, we accept transfer instructions from any Joint Owner. We may also allow you to authorize someone else to request transfers on your behalf.

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ELECTRONIC INVESTMENT OPTION TRANSFER AND ALLOCATION INSTRUCTIONS

We use reasonable procedures to confirm that electronic transfer and allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record all telephone instructions and log all fax, email and website instructions. We reserve the right to deny any transfer request or allocation instruction change, and to discontinue or modify our electronic instruction privileges at any time for any reason.

Please note that telephone, fax, email and/or the website may not always be available. Any electronic system, whether it is ours, yours, your service provider's, or your Financial Professional's, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your transfer request or allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should submit your instructions in writing to our Service Center.

By authorizing electronic instructions, you authorize us to accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You should protect your website password, because the website is available to anyone with your password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.

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EXCESSIVE TRADING AND MARKET TIMING

We may restrict or modify your right to make transfers to prevent any use that we consider to be part of a market timing program.

Frequent transfers, programmed transfers, transfers into and then out of an Investment Option in a short period of time, and transfers of large amounts at one time (collectively referred to as "potentially disruptive trading") may have harmful effects for other Owners, Annuitants and Beneficiaries. These risks and harmful effects include the following.

· 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.

· 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.

· Increased brokerage and administrative expenses.

We attempt to protect our Owners and the Investment Options from potentially disruptive trading through our excessive trading and market timing policies and procedures. Under these policies and procedures, we could modify your transfer privileges for some or all of the Investment Options. Unless prohibited by your Contract or applicable state law, we may:

· Limit transfer frequency (for example, prohibit more than one transfer a week, or more than two a month, etc.).

· Restrict the transfer method (for example, requiring all transfers be sent by first-class U.S. mail and rescinding electronic transfer privileges).

· 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 Government 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.

We also reserve the right to reject any specific Purchase Payment allocation or transfer request from any person if in the investment adviser's, subadviser's or our judgment, an Investment Option may be unable to invest effectively in accordance with its investment objectives and policies.

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Currently, we attempt to deter disruptive trading as follows. If a transfer(s) is/are identified as potentially disruptive trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it constitutes disruptive trading, we also impose transfer restrictions. Transfer restrictions may include refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading to continue. We also reserve the right to impose transfer restrictions if we determine, in our sole discretion, that transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you.

We do not include automatic transfers made under any of our programs or Contract features when applying our market timing policy.

We adopted these policies and procedures as a preventative measure to protect all Owners from the potential effects of disruptive trading, while also abiding by your legitimate interest in diversifying your investment and making periodic asset re-allocations based on your personal situation or overall market conditions. We attempt to protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners.

We may make exceptions when imposing transfer restrictions if we determine a transfer is appropriate, although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its relative size, whether it was purely a defensive transfer into the AZL Government Money Market Fund, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not reinstate these privileges if we believe they might be used for future disruptive trading.

We cannot guarantee the following.

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

· Revoking electronic transfer privileges will successfully deter all potentially disruptive trading.

In addition, some of the Investment Options are available to other insurance companies and we do not know if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be completely successful at detecting and preventing market timing activities, and other insurance companies that offer the Investment Options may not have adopted adequate market timing procedures, there is some risk that market timing activity may occur and negatively affect other Owners.

We may, without prior notice to any party, take whatever action we deem appropriate to comply with any state or federal regulatory requirement. In addition, purchase orders for an Investment Option's shares are subject to acceptance by that Investment Option's manager. We reserve the right to reject, without prior notice, any Investment Option transfer request or Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements required under SEC Rule22c-2 (Rule22c-2 agreements) whereby, upon request by an underlying fund or its designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule22c-2 agreements, we are required to: (1) provide details concerning every purchase, redemption, transfer, or exchange of Investment Options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain Rule 22c-2 agreements, if we fail to comply with a request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders from us until we comply.

Investment Options may add or change policies designed to restrict market timing activities. For example, Investment Options may impose restrictions on transfers between Investment Options in an affiliated group if the investment adviser to one or more of the Investment Options determines that the person requesting the transfer has engaged, or is engaging in, market timing or other abusive trading activities. In addition, an Investment Option may impose a short-term trading fee on purchases and sales within a specified period. You should review the Investment Options' prospectuses regarding any applicable transfer restrictions and the imposition of any fee to discourage short-term trading. The imposition of these restrictions would occur as a result of Investment Option restrictions and actions taken by the Investment Options' managers.

NOTE: This Contract is not designed for professional market timing organizations, or other persons using programmed, large, or frequent transfers, and we may restrict excessive or inappropriate transfer activity.

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We retain some discretion in determining what actions constitute potentially disruptive trading and in determining when and how to impose trading restrictions. Therefore, persons engaging in potentially disruptive trading may be subjected to some uncertainty as to when and how we apply trading restrictions, and persons not engaging in potentially disruptive trading may not know precisely what actions will be taken against a person engaging in potentially disruptive trading. For example, if we determine a person is engaging in potentially disruptive trading, we may revoke that person's electronic transfer privileges and require all future requests to be sent by first-class U.S. mail. In the alternative, if the disruptive trading affects only a single Investment Option, we may prohibit transfers into or Purchase Payment allocations to that Investment Option. We notify the person or entity making the potentially disruptive trade when we revoke any transfer privileges.

The retention of some level of discretion by us may result in disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive trading practices that have negative effects.

FLEXIBLE REBALANCING PROGRAM

Your selected Investment Options' performance may cause the percentage of Contract Value in each Investment Option to change. Flexible rebalancing can help you maintain your selected allocation percentages. You can direct us to automatically adjust your Contract Value (and Bonus Value, if applicable) in the Investment Options on a quarterly, semi-annual or annual basis according to your instructions. We make flexible rebalancing transfers on the 20th of the month, or the prior Business Day if the 20th is not a Business Day. We must receive your flexible rebalancing program form in Good Order at our Service Center by 4 p.m. Eastern Time on the Business Day before we rebalance, or your program does not begin until next month. If you participate in this program, there are no fees for the flexible rebalancing transfers and we do not currently count them as a free transfer. We reserve the right to discontinue or modify the flexible rebalancing program at any time and for any reason. To end this program, we must receive your request at our Service Center by 4 p.m. Eastern Time on the Business Day immediately before the 20th to end that month.

NOTE: This program is not available if you have Income Protector, Income Focus or Investment Protector.

FINANCIAL ADVISER FEES

If you have an investment adviser and want to pay their fees from this Contract, you can submit a written request to our Service Center on a form satisfactory to us. If we approve your request, we withdraw the fee and pay it to your adviser. Wetreat this fee payment as a withdrawal.

Financial adviser fees paid from a Non-Qualified Contract will be a taxable withdrawal to the extent that gain exists within the Contract. If any Owner is under age 59½, withdrawals may be subject to a 10% additional federal tax.

Financial adviser fees paid from an IRA will not be treated as a taxable withdrawal as long as the annuity contract is solely liable for the payment of the fee. You should consult a tax adviser regarding the tax treatment of adviser fee payments.

Your investment adviser acts on your behalf, not ours. We are not party to your advisory agreement or responsible for your adviser's actions. We do not set your adviser's fee or receive any part of it. Any adviser fee you pay is in addition to this Contract's fees and expenses. You should ask your adviser about compensation they receive for this Contract.

You can submit a written request to our Service Center on a form satisfactory to us to allow your adviser to make Investment Option transfers on your behalf. However, we reserve the right to review an adviser's trading history before allowing him or her to make transfers. If, in our sole discretion, we believe the adviser's trading history indicates excessive trading, we can deny your request. If we approve it, your adviser is subject to the same trading restrictions that apply to Owners. We can deny or revoke trading authority in our sole discretion.

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VOTING PRIVILEGES

We legally own the Investment Option shares. However, when an Investment Option holds a shareholder vote that affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because most Owners do not give us instructions and we vote shares proportionally, a small number of Owners may determine a vote's outcome. If we determine we no longer need to get your voting instructions, we will decide how to vote the shares. Only Owners have voting privileges. Annuitants, Beneficiaries, Payees and other persons have no voting privileges unless they are also Owners.

We determine your voting interest in an Investment Option as follows.

· 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

Our general account holds all our assets other than our separate account assets. We own our general account assets and use them to support our insurance and annuity obligations, other than those funded by our separate accounts. These assets are subject to our general business operation liabilities, and may lose value. Subject to applicable law, we have sole investment discretion over our general account assets.

We have not registered our general account as an investment company under the Investment Company Act of 1940, nor have we registered our general account interests under the Securities Act of 1933. As a result, the SEC has not reviewed our general account prospectus disclosures.

We do not currently offer any general account investment choices during the Accumulation Phase. Any Contract Value you apply to fixed Annuity Payments during the Annuity Phase becomes part of our general account. Any guaranteed values, such as Income Protector's Benefit Base, that are greater than Contract Value are subject to our claims paying ability and the priority rights of our other creditors.

7. EXPENSES

Contract fees and expenses reduce your investment return and are described here in detail.

MORTALITY AND EXPENSE RISK (M&E) CHARGE

We calculate and accrue the M&E charge at an annualized rate of the Investment Options' net asset value on each Business Day during the Accumulation Phase as follows.

	Mortality and Expense Risk (M&E) Charge (as a percentage of each Investment 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 variable Annuity Payments or 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 select variable Annuity Payments during the Annuity Phase the M&E charge is 1.70% for a Base Contract with the Bonus Option, or 1.40% for all other Contracts. The M&E charge reduces the net asset value that we use to calculate each subaccount's accumulation unit value during the Accumulation Phase, or each subaccount's annuity unit value during the Annuity Phase. The net asset value is the price of an underlying Investment Option. For more information on accumulation unit values, see the discussion in section 4, Valuing Your Contract. For more information on Annuity Payments, see the Annuity Payments section of the SAI.

The Contract allows Partial Annuitization. It is possible for part of your Contract to be in the Accumulation Phase with one M&E charge while another part is in the Annuity Phase with a different M&E charge. For example, if you have the Base Contract with Quarterly Value Death Benefit and request a variable Partial Annuitization, we reduce your accumulation unit value for the 1.70% M&E charge and we reduce your annuity unit value for the 1.40% M&E charge. For more information, see section 9, The Annuity Phase – Partial Annuitization.

The M&E charge compensates us for all your Contract's benefits, including our contractual obligation to make Annuity Payments, certain Contract expenses, and assuming the expense risk that the current charges are less than future Contract administration costs. If the M&E charge covers these costs and risks, any excess is profit to us. We anticipate making such a profit.

RIDER CHARGE

If you select Income Protector, we deduct a rider charge from your Contract Value (and Bonus Value, if applicable) during the Accumulation Phase while your benefit is in effect and your Contract Value is positive. The rider charge is an annualized rate that is calculated and accrued on a daily basis as a percentage of the Benefit Base.

We begin calculating and accruing the daily rider charge amount on the day after the Rider Effective Date. We deduct the rider charge for each quarter at the end of the last Business Day before each Quarterly Anniversary with the following exceptions.

· 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.

	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%	1.40% 1.40%

(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 Income Protector is in effect and your Contract Value is positive.

For information on how we calculate the Benefit Base, see section 11.a, Income Protector – Benefit Base.

We reserve the right to increase or decrease the rider charge on each Quarterly Anniversary, subject to the maximum and minimum. However, in any twelve-month period we cannot increase or decrease the rider charge more than 0.50%. If we increase your rider charge, we notify you in writing at least 30 days in advance to allow you the option of accepting the charge increase, or removing your benefit before the charge increases. Alternatively, you can instead reject this charge increase and all future rider charge changes by selecting the Charge Lock Option rider. The Charge Lock Option rider allows you to keep your benefit at the current rider charge, but with reduced guaranteed values and payments, and no opportunity for future payment increases or future rider charge decreases. The Charge Lock Option rider for Income Protector is discussed in section 11.a.

We deduct the rider charge on a dollar for dollar basis from the Contract Value (and Bonus Value, if applicable). We deduct the rider charge from the Contract Value on each Quarterly Anniversary before we use that Contract Value to compute any of your Contract's guaranteed values, but we do not treat the deduction of the rider charge as a withdrawal when computing these guaranteed values. Guaranteed values include Income Protector's Benefit Base and Quarterly Value Death Benefit's Quarterly Anniversary Value (see section 11.b). If on a Quarterly Anniversary the Contract Value at the end of the prior Business Day is less than the rider charge, we deduct your total remaining Contract Value to cover the final rider charge and reduce your Contract Value to zero. If the deduction of the final rider charge eliminates your Contract Value, it does not end your Contract, selected benefit, or any Lifetime Plus Payments, although we no longer assess or deduct the rider charge.

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Changes to the Benefit Base change the rider charge amount. For example, if you receive an annual Lifetime Plus Payment increase because the Contract Value increased, both your Benefit Base and daily rider charge amount also increase. Similarly, an Excess Withdrawal decreases both your Benefit Base and daily rider charge amount.

This fee compensates us for the benefits provided by Income Protector, including your benefit's guarantees. If the rider charge covers these costs and risks, any excess is profit to us. We anticipate making such a profit.

NOTE:

· Selecting the Charge Lock Option rider may reduceIncome Protector's 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.

· 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 guaranteed values or payments.

CONTRACT MAINTENANCE CHARGE

Your annual contract maintenance charge is $50. This charge is for Contract administration and maintenance expenses. We waive this charge as follows:

· 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.

· During the Annuity Phase if the Contract Value on the Income Date is at least $100,000.

· When paying death benefits under death benefit payment options A, B, or C.

During the Accumulation Phase, we deduct the contract maintenance charge on a dollar for dollar basis from the Contract Value (and Bonus Value, if applicable) determined at the end of the last Business Day before the Contract Anniversary. If you take a full withdrawal from your Contract (other than on a Contract Anniversary), we deduct the full contract maintenance charge. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing any of your Contract's guaranteed values. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment.

WITHDRAWAL CHARGE

You can take withdrawals from any portion of the Contract that is in the Accumulation Phase. A withdrawal charge applies if any part of a withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which is equal to total Purchase Payments, less any Purchase Payment withdrawn (excluding any penalty-free withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts we deduct to pay other Contract charges.

We do not assess a withdrawal charge on penalty-free withdrawals or amounts we deduct to pay Contract charges, other than the withdrawal charge. However, any amounts used to pay a withdrawal charge are subject to a withdrawal charge. Amounts withdrawn to pay investment adviser fees are subject to a withdrawal charge if they exceed the free withdrawal privilege. Penalty-free withdrawals include: withdrawals under the free withdrawal privilege and waiver of withdrawal charge benefit; payments under our minimum distribution program; Annuity Payments; Lifetime Plus Payments; and Income Focus Payments.

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For purposes of calculating any withdrawal charge, we withdraw Purchase Payments on a "first-in-first-out" (FIFO) basis and we process withdrawal requests as follows.

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.

The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows.

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 on or after October 26, 2009, 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 on or after October 26, 2009, the withdrawal charge is 8%, 8%, 8%, 8%, 7%, 6%, 5%, 3.5%, 1.5% and 0% for the time periods referenced.

Upon a full withdrawal, we first deduct any applicable contract maintenance charge and rider charge before we calculate the withdrawal charge. We deduct any applicable withdrawal charge from the total Contract Value and send you the remaining amount. For a partial withdrawal we deduct the amount you request, plus any applicable withdrawal charge from the total Contract Value (and Bonus Value, if applicable). We apply the withdrawal charge to this total amount and we pay you the amount you requested. For partial withdrawals, we deduct the charge proportionately from your selected Investment Options. If a partial withdrawal occurs on a day that we also assess the rider charge and/or contract maintenance charge, we assess these charges in this order after we deduct the withdrawal and any applicable withdrawal charge from the Contract Value.

The withdrawal charge compensates us for expenses associated with selling the Contract.

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Example: You make an initial Purchase Payment of $30,000 on a Base Contract and make another Purchase Payment in the first month of the second Contract Year of $70,000. In the third month of the third Contract Year, your Contract Value is $110,000 and you request a $52,000 withdrawal. We withdraw money and compute the withdrawal charge as follows.

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. We withdraw $30,000 from the first Purchase Payment, 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 privilegeand $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.

In total we withdrew $55,388 from your Contract, of which you received $52,000 and paid a withdrawal charge of $3,388.

Reduction or Elimination of the Withdrawal Charge

We may reduce or eliminate the withdrawal charge if the Contract was sold under circumstances that reduced its sales expenses. For example, if a large group of individuals purchased Contracts or if a purchaser already had a relationship with us. We may choose not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life or any of its affiliates. Also, we may reduce or eliminate the withdrawal charge if a Contract was sold by a Financial Professional appointed with Allianz Life to any members of his or her immediate family and the Financial Professional waived their commission. We must pre-approve any withdrawal charge reduction or elimination.

NOTE:

· 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.

· 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.

· 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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TRANSFER FEE

The first twelve transfers every Contract Year are free. After that, we deduct a $25 transfer fee for each additional transfer. We count all transfers made in the same Business Day as one transfer. The following do not count against the free transfers we allow and are not subject to a transfer fee: dollar cost averaging transfers, flexible rebalancing transfers, or quarterly rebalancing transfers under Income Protector, Income Focus or Investment Protector. The transfer fee continues to apply under death benefit payment OptionB, or with variable Annuity Payments or optional payments under death benefit payment OptionC as noted in section 10, Death Benefit – Death Benefit Payment Options During the Accumulation Phase.

Currently, we deduct this fee only during the Accumulation Phase, but we reserve the right to deduct it during the Annuity Phase. We deduct the transfer fee on a dollar for dollar basis from the Contract Value (and Bonus Value, if applicable) determined at the end of the Business Day that we process the transfer request. If you are transferring from multiple Investment Options, we deduct this fee proportionately from the Investment Options from which the transfer is made. If you transfer the total amount in an Investment Option, we deduct a transfer fee from the amount transferred. We do not treat the deduction of the transfer fee as a withdrawal when computing any of your Contract's guaranteed values.

PREMIUM TAX

Premium tax is based on your state of residence at the time you make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase Payment, depending on the state or governmental entity.

INCOME TAX

Currently, we do not deduct any Contract related income tax we incur, although we reserve the right to do so in the future.

INVESTMENT OPTION EXPENSES

The Investment Options' assets are subject to operating expenses (including management fees). These expenses are described in the Fee Tables, Appendix A, and in the Investment Options' prospectuses. These expenses reduce the Investment Options' performance and, therefore, negatively affect your Contract Value and any guaranteed values or payments based on Contract Value. The Investment Options' investment advisers provided us with the expense information in this prospectus and we did not independently verify it.

8. ACCESS TO YOUR MONEY

The money in your Contract is available under the following circumstances:

· by withdrawing your Contract Value;

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

· by taking Lifetime Plus Payments (if you have 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.

You can take withdrawals from any part of the Contract that is in the Accumulation Phase. We process withdrawal requests based on values next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. Any withdrawal request received at or after the end of the current Business Day receives the next Business Day's values.

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Any partial withdrawal must be for at least $500.* The Contract Value after a partial withdrawal must be at least $2,000.** We reserve the right to treat a partial withdrawal that reduces the Contract Value below this minimum as a full withdrawal.

* 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.

We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Investment Option unless you provide us with alternate instructions. If you have Income Protector, Income Focus or Investment Protector, and take a partial withdrawal from specific Investment Options, the benefit's quarterly rebalancing feature moves money back into those Investment Options at the end of the quarter unless you also change your future Purchase Payment allocation instructions.

If you have the Bonus Option and you have multiple bonuses, we reduce the oldest unvested bonus first (see section 11.d, Bonus Option). Partial withdrawals in excess of the free withdrawal privilege reduce unvested bonus amounts by the percentage of the Contract Value withdrawn, as shown in the following example.

When you take a full withdrawal, weprocessyour request on the Business Day we receive it in Good Order at our Service Center as follows:

· 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.

See the Fee Tables and section 7, Expenses for a discussion of these charges.

We pay withdrawals within seven days of receipt of your request in Good Order at our Service Center, unless the suspension of payments or transfers provision is in effect (see the discussion later in this section).

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 Government 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 Government 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.

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Example

· 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

FREE WITHDRAWAL PRIVILEGE

Each Contract Year, you can withdraw up to 12% of your total Purchase Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount available next year. Withdrawals of Purchase Payments that are beyond the withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal privilege. Required minimum distribution payments are not subject to a withdrawal charge, but do reduce your free withdrawal privilege.

NOTE: The free withdrawal privilege is not available upon a full withdrawal (except for Contracts issued in Washington), or while you are receiving Lifetime Plus Payments or Income Focus Payments.

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SYSTEMATIC WITHDRAWAL PROGRAM

If your Contract Value is at least $25,000, the systematic withdrawal program can provide automatic withdrawal payments to you. You can request to receive these withdrawal payments monthly, quarterly, semi-annually or annually. There is no minimum or maximum on the amount you can withdraw under this program. During the withdrawal charge period (if applicable), systematic withdrawals in excess of the free withdrawal privilege are subject to a withdrawal charge. We make systematic withdrawals on the ninth of the month, or the prior Business Day if the ninth is not a Business Day. We must receive your systematic withdrawal program form instructions in Good Order at our Service Center by 4 p.m. Eastern Time on the Business Day before we process these withdrawals, or your program does not begin until the next month. This program ends at your request or when you withdraw your total Contract Value. However, we reserve the right to discontinue or modify the systematic withdrawal program at any time and for any reason.

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.

MINIMUM DISTRIBUTION PROGRAM AND REQUIRED MINIMUM DISTRIBUTION (RMD) PAYMENTS

If you own an IRA or SEP IRA Qualified Contract, you can participate in the minimum distribution program during the Accumulation Phase. Under this program, we make payments to you designed to meet the applicable minimum distribution requirements imposed by the Internal Revenue Code for this Qualified Contract. RMD payments are not subject to a withdrawal charge, but they reduce the free withdrawal privilege amount during the Contract Year. We can make payments to you on a monthly, quarterly, semi-annual or annual basis. However, if your Contract Value is less than $25,000, we only make annual payments. You cannot aggregate RMD payments between this Contract and other qualified contracts that you own. We make RMD payments on the ninth of the month, or the prior Business Day if the ninth is not a Business Day. We must receive your program form instructions in Good Order at our Service Center by 4 p.m. Eastern Time on the Business Day before we process these payments, or your program does not begin until the next month.

Lifetime Plus Payments or Income Focus Payments can also be used to satisfy your RMD needs. If you begin Lifetime Plus Payments or Income Focus Payments while participating in the minimum distribution program, RMD payments stop on the Business Day immediately before the Benefit Date. You remain in the program (unless you choose to end it), and if your selected benefit's lifetime payments and Excess Withdrawals taken during a calendar year do not fully satisfy your RMD, we send you an additional RMD payment to satisfy your remaining RMD needs. For more information, see the note in section 11.a, Income Protector: Calculating Your Lifetime Plus Payments, or Appendix I – Income Focus: Calculating Your Income Focus Payments.

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

WAIVER OF WITHDRAWAL CHARGE BENEFIT

After the first Contract Year, if any Owner becomes confined to a nursing home for a period of at least 90 consecutive days and a physician certifies that continued confinement is necessary, you can take a withdrawal and we waive the withdrawal charge. This waiver is not available if any Owner was confined to a nursing home on the Issue Date. We base this benefit on the Annuitant for non-individually owned Contracts. We must receive proof of confinement in Good Order before we waive the withdrawal charge.

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.

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SUSPENSION OF PAYMENTS OR TRANSFERS

We may be required to suspend or postpone transfers or payments for withdrawals* for any period when:

· 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

Prior to annuitization, you can surrender your Contract and receive your total Contract Value. Annuity Payments offer a guaranteed income stream with certain tax advantages and are designed for Owners who are not concerned with continued access to Contract Value.

You can apply your Contract Value to regular periodic annuity payments (Annuity Payments). The Payee receives the Annuity Payments. You receive tax reporting on the payments, whether or not you are the Payee. We may require proof of the Annuitant(s)' age before we make any life contingent Annuity Payment. If you misstate the Annuitant(s)' age or gender, we pay the amount that would have been paid at the true age or gender.

CALCULATING YOUR ANNUITY PAYMENTS

We base Annuity Payments upon the following:

· 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.

We guarantee the dollar amount of fixed Annuity Payments and this amount does not change. Variable payments are not predetermined and the dollar amount changes with your selected Investment Options' investment experience.

VARIABLE OR FIXED ANNUITY PAYMENTS

You can request Annuity Payments under Annuity Options 1-5 as:

· a variable payout,

· a fixed payout, or

· a combination of both.

After the Income Date, you cannot make a transfer from a fixed Annuity Payment stream to variable, but you can transfer from a variable Annuity Payment stream and establish a new fixed Annuity Payment stream.

We base fixed Annuity Payments on your Contract's interest rate and mortality table or current rates, if higher.

The dollar amount of variable Annuity Payments depends on the assumed investment rate (AIR) you select and your selected Investment Options' performance. You can choose a 3%, 5% or 7% AIR.* Using a higher AIR results in a higher initial variable Annuity Payment, but future payments increase more slowly and decrease more rapidly. If your Investment Options' actual performance exceeds your selected AIR, variable Annuity Payments increase. Similarly, if the actual performance is less than your selected AIR, variable Annuity Payments decrease.

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

If you choose a variable payout, you can invest in up to 15 Investment Options. We may change this in the future, but we will always allow you to invest in at least five Investment Options. If you do not instruct us, we base variable Annuity Payments on your future Purchase Payment allocation instructions. Currently, we require your initial Annuity Payment to be $100 or more.

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ANNUITY PAYMENT OPTIONS

You can choose one of the Annuity Options described below or any other payment option to which we agree. Before the Income Date, you can select and/or change the Annuity Option with at least 30 days written notice to us. After Annuity Payments begin, you cannot change the Annuity Option.

Option 1. Life Annuity. We make Annuity Payments during the life of the Annuitant, and the last payment is the one that is due before the Annuitant's death. If the Annuitant dies shortly after the Income Date, the Payee may receive less than your investment in the Contract.

Option 2. Life Annuity with Payments Over 5, 10, 15 or 20 Years Guaranteed. We make Annuity Payments during the life of the Annuitant, with payments for a guaranteed minimum period that you select.

Option 3. Joint and Last Survivor Annuity. We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant, at a level of 100%, 75% or 50% selected by the Owner when he or she chose this Annuity Payment option. If both Annuitants die shortly after the Income Date, the Payee may receive less than your investment in the Contract.

Option 4. Joint and Last Survivor Annuity with Payments Over 5, 10, 15 or 20 Years Guaranteed. We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant, with payments for a minimum guaranteed period that you select.

Option 5. Refund Life Annuity. We make Annuity Payments during the lifetime of the Annuitant, and the last payment is the one that is due before the Annuitant's death. After the Annuitant's death, the Payee may receive a lump sum refund. For a fixed payout, the amount of the refund equals the amount applied to this Annuity Option minus the total paid under this option. For variable Annuity Payments, your total refund is the sum of your selected Investment Options' refunds. Each Investment Option's refund is equal to the value of the difference of the annuity units applied to this Annuity Option and allocated to that Investment Option minus the total number of annuity units paid from that Investment Option. The dollar value of these annuity units fluctuates based on your selected Investment Options' performance.

After the Annuitant's death under Option 2, or the last surviving joint Annuitant's death under Option 4, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last surviving Owner's Beneficiaries, or to the last surviving Owner's estate if there are no remaining or named Beneficiaries.

Annuity Payments are usually lower if you select an Annuity Option that requires us to make more frequent Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for an older Annuitant and payout rates for life with a guaranteed period are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 20-year guaranteed period are less than payout rates for a 10-year guaranteed period, and payout rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.

NOTE:If you do not choose an Annuity Option before the Income Date, we make variable Annuity Payments to the Payee under Annuity Option 2 with five years of guaranteed monthly payments.

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WHEN ANNUITY PAYMENTS BEGIN

Annuity Payments begin on the Income Date. Your scheduled Income Date is the maximum permitted date allowed for your Contract, which is the first day of the calendar month following the later of: a) the Annuitant's 90th birthday, or b) the tenth Contract Anniversary. An earlier Income Date or a withdrawal may be required to satisfy minimum required distribution rules under certain Qualified Contracts. You can make an authorized request for a different, earlier or later Income Date after the Issue Date, but any such request is subject to applicable law and our approval. An earlier or later Income Date may not be available to you depending on the Financial Professional you purchase your Contract through and your state of residence. Your Income Date must be the first day of a calendar month at least two years after the Issue Date.* The Income Date cannot be later than what is permitted under applicable law. If you are required to take a Full Annuitization while you are receiving Lifetime Plus Payments or Income Focus Payments as a result of current tax law, which may occur at age 95 or later, we provide an annuity option with payments at least equal to the payments you are then receiving as described in the following note.

* 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.

PARTIAL ANNUITIZATION

Only a sole Owner can take Partial Annuitizations under Annuity Options 1, 2, or 5. The Owner must be the Annuitant and we do not allow joint Annuitants. You cannot take a new Partial Annuitization while receiving Lifetime Plus Payments or Income Focus Payments. We allow you to annuitize less than your total Contract Value in a Partial Annuitization. If you take a Partial Annuitization, your Contract is in both the Accumulation and Annuity Phases at the same time. We allow one Partial Annuitization every twelve months, up to a maximum of five. If you have four Partial Annuitizations and want a fifth, you must take a Full Annuitization of the total remaining Contract Value. You cannot add Contract Value to the part of a Contract that has been partially annuitized, or transfer values that have been partially annuitized to any other part of the Contract. Partial Annuitizations are not subject to a withdrawal charge (if applicable), but they decrease the Contract Value, Withdrawal Charge Basis, death benefit, and any of your Contract's guaranteed values.

NOTE:A recent tax law change allows a Partial Anuitization under a life Annuity Option on a Non-Qualified Contract to receive the same income tax treatment as a Full Annuitization. However, this income tax treatment does not apply to a Partial Annuitization on a Qualified Contract. You should consult a tax adviser before requesting a Partial Annuitization.

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10. DEATH BENEFIT

"You" in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.

The Base Contract provides the Traditional Death Benefit. When you purchased this Contract, you could instead have selected the Quarterly Value Death Benefit (for Contracts issued from April 30, 2012 through April 26, 2013, see section 11.c, Quarterly Value Death Benefit; for Contracts issued from May 1, 2007 through April 27, 2012, see Appendix F).

The death benefit is only available during the Accumulation Phase. If you die during the Accumulation Phase, we process the death benefit using prices determined after we receive a Valid Claim. If we receive a Valid Claim after the end of the current Business Day, we use the next Business Day's prices.

If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. Unless you instruct us to pay Beneficiaries a specific percentage of the death benefit, he or she each receives an equal share. Any part of the death benefit that is in the Investment Options remains there until distribution begins. From the time we determine the death benefit until we make a complete distribution, any amount in the Investment Options continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we no longer accept additional Purchase Payments or process transfer requests.

TRADITIONAL DEATH BENEFIT

The Traditional Death Benefit is the greater of the Contract Value (after deduction of the final rider charge, if applicable), or the Traditional Death Benefit Value. For a sole Beneficiary, we determine the Traditional Death Benefit at the end of the Business Day during which we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of Traditional Death Benefit Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or their portion of the Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim.

The Traditional Death Benefit Value is the total of all Purchase Payments received, reduced by the percentage of Contract Value withdrawn, determined at the end of each Business Day. Withdrawals include Lifetime Plus Payments or Income Focus Payments, Excess Withdrawals, Partial Annuitizations, and any withdrawal charges; but do not include amounts we withdraw for other Contract charges.

The Traditional Death Benefit ends upon the earliest of the following.

· 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.

DEATH OF THE OWNER AND/OR ANNUITANT

The Appendix to the Statement of Additional Information includes tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different portions of the Contract.

DEATH BENEFIT PAYMENT OPTIONS DURING THE ACCUMULATION PHASE

If you do not designate a death benefit payment option, a Beneficiary must select one of the options listed below. If a Beneficiary requests a lump sum payment under OptionA, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.

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Spousal Continuation: If the Beneficiary is the deceased Owner's spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own name. For non-individually owned Contracts, spousal continuation is only available to Qualified Contracts. Spouses must qualify as such under federal law to continue the Contract. Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on the death claim form before we pay the death benefit. If the surviving spouse continues the Contract, at the end of the Business Day we receive his or her Valid Claim, we increase the Contract Value to equal the guaranteed death benefit value if greater. The guaranteed death benefit value is total Purchase Payments adjusted for withdrawals if the Traditional Death Benefit applies, or the Quarterly Anniversary Value if the Quarterly Value Death Benefit applies. For Contracts with Income Protector, Income Focus or Investment Protector, a Contract Value increase may not increase the Benefit Base, Income Value Percentage(s), or Target Value.

If the surviving spouse continues the Contract:

· 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.

Option A: Lump sum payment of the death benefit.

Option B: Payment of the entire death benefit within five years of the date of any Owner's death. The Beneficiary can continue to make transfers between Investment Options and is subject to a transfer fee, and a M&E charge of either 1.70% for a Base Contract with the Bonus Option, or 1.40% for all other Contracts. For Contracts with the Bonus Option, any unvested Bonus will continue to vest. At the end of the fifth year, any remaining death benefit is paid in a lump sum.

Option C: If the Beneficiary is an individual,payment of the death benefit as Annuity Payments under Annuity Options 1, 2 or 5 as described under "Annuity Payment Options" in section 9. With our written consent other options may be available for payment over a period not extending beyond the Beneficiary's life expectancy, and for Contracts with the Bonus Option, any unvested Bonus will continue to vest. Under this payment option, and with variable Annuity Payments, the Beneficiary can continue to make transfers between Investment Options and is subject to a transfer fee, and a M&E charge of either 1.70% for a Base Contract with the Bonus Option, or 1.40% for all other Contracts.

Distribution must begin within one year of the date of the Owner's death. Any portion of the death benefit not applied to Annuity Payments within one year of the date of the Owner's death must be distributed within five years of the date of death.

If the Contract is owned by a non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Internal Revenue Code's distribution at death rules, which are set forth in Section 72(s) of the Code.

In all events, notwithstanding any provision to the contrary in the Contract or this prospectus, the Contract is interpreted and administered in accordance with Section 72(s) of the Internal Revenue Code.

Other rules may apply to Qualified Contracts.

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11. SELECTION OF OPTIONAL BENEFITS

Check with your Financial Professional regarding availability of optional benefits. Each optional benefit carries an additional M&E charge or a rider charge. For more information, please see the Fee Tables and section 7, Expenses.

Currently Available Rider

· Income Protector. This benefit provides guaranteed lifetime income (called Lifetime Plus Payments) that can begin once the minimum exercise age is met, or as late as 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. AppendixK contains information specific to previously available versions of this benefit.

NOTE:

· Income Protector provides no payments before the minimum exercise age. If you are required to annuitize your Contract as a result of current tax law, which may occur at age 95 or later, we provide an annuity option with payments at least equal to the Lifetime Plus Payments you are then receiving as described in section 9, The Annuity Phase – When Annuity Payments Begin.

· Income Protector is not available to Contracts issued before April 1, 2009.

Previously Available Riders

· 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.b, 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.c, 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 through January 23, 2009 and the Lifetime Plus II Benefit was available from November 12, 2007 through 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 through 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 through January 23, 2009, and the Target Date 10 Benefit was available from January 26, 2009 through 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 through 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 Appendix J. Investment Protector was available from July 22, 2009 to October 14, 2016.

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You can select Income Protector once on a Quarterly Anniversary during the Accumulation Phase (if available) before the older Covered Person reaches age 81. If you have the Quarterly Value Death Benefit, Bonus Option, Short Withdrawal Charge Option or No Withdrawal Charge Option, you cannot remove any of these benefits from your Contract.

If your Contract was issued from April 30, 2012 through April 26, 2013 with the Quarterly Value Death Benefit, your Contract must also include an Additional Required Benefit (Income Protector or one of the previously available Lifetime Benefits, Target Date Benefits, Income Focus, or Investment Protector). If you remove an Additional Required Benefit without simultaneously replacing it, 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 have an Additional Required Benefit, you can remove it subject to certain restrictions (for more information see Removing Income Protector in section 11.a, Removing a Lifetime Benefit in Appendix D, Removing a Target Date Benefit in Appendix E, Removing Income Focus in Appendix I, and Removing Investment Protector in Appendix J). You cannot re-select Income Protector in the future after you remove it from your Contract.

REPLACING OPTIONAL BENEFITS

If you have Investment Protector and would like to replace it with Income Protector, you can do so one time if your Contract was issued on or after April 1, 2009, you meet the age selection requirement, and Income Protector is available. If you replace Investment Protector with Income Protector, we require you to reallocate your Contract Value and change your future allocation instructions to comply with Income Protector's Investment Option allocation and transfer restrictions. This is the only replacement we allow. A replacement includes both the simultaneous removal and addition of benefits on a Quarterly Anniversary, as well as removing one benefit on a Quarterly Anniversary and adding another benefit on a future Quarterly Anniversary. Income Protector's guarantees may be more or less than Investment Protector's guarantees.

11.a INCOME PROTECTOR

We designed Lifetime Plus Payments to last for the lifetime of the Covered Person(s). If you do not begin Lifetime Plus Payments before all Covered Persons die or are removed from the Contract, Income Protector ends and you will not receive any payments. In the case of non-spouse Joint Owners, if a Joint Owner dies before payments begin, this benefit ends and payments are not available to you even if the Covered Person is still alive. Lifetime Plus Payments are available once the younger Covered Person reaches the minimum exercise age and before the older Covered Person reaches age 91. The minimum exercise age is stated in the Rate Sheet Supplement. You choose your payment frequency and amount subject to an annual maximum. Once established, the annual maximum Lifetime Plus Payment can increase, but it cannot decrease unless you take an Excess Withdrawal.

There are several important points to consider before selecting 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 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.

Please discuss Income Protector's appropriateness with your Financial Professional and tax adviser.

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SELECTING INCOME PROTECTOR

For Contracts issued on or after April 1, 2009, if available as described in the Note below, you can select Income Protector on any Quarterly Anniversary during the Accumulation Phase once before the older Covered Person reaches age 81. Covered Person(s) are discussed in section 2.

You can select Income Protector by completing the appropriate form. We add this benefit to your Contract on the Quarterly Anniversary (or on the next Business Day if the Quarterly Anniversary is not a Business Day) after we receive your request in Good Order at our Service Center, and the Rider Effective Date is that Quarterly Anniversary. For the request to be in Good Order, we must receive this form no earlier than 30 days before a Quarterly Anniversary, and no later than 4 p.m. Eastern Time on the last Business Day before the Quarterly Anniversary. If we receive your request outside this time period, we ask you to resubmit it for the next Quarterly Anniversary. Your Contract Value on the Rider Effective Date must be at least $10,000 (or $25,000 if you have the No Withdrawal Charge Option). You must reallocate your Contract Value and change your future allocation instructions to comply with the Investment Option allocation and transfer restrictions discussed later in this section before we add this benefit to your Contract.

NOTE:

· 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.

REMOVING INCOME PROTECTOR

You can remove Income Protector from your Contract while the Contract Value is positive. You cannot re-select this benefit in the future after you remove it from your Contract.

You can remove Income Protector by completing the appropriate form. We remove this benefit from your Contract on the Quarterly Anniversary (or on the next Business Day if the Quarterly Anniversary is not a Business Day) that occurs immediately after we receive your request in Good Order at our Service Center, and the rider termination date is that Quarterly Anniversary.

If we increase this benefit's rider charge and you want to remove this benefit before the increase, we must receive this form within 30 days of the date of our letter notifying you of the rider charge increase. If we receive your form after this period, we increase your rider charge and ask you to resubmit the form for the next Quarterly Anniversary.

If you are removing this benefit for any other reason, your request is in Good Order if we receive this form no earlier than 30 days before a Quarterly Anniversary, and no later than 4 p.m. Eastern Time on the last Business Day before the Quarterly Anniversary. If we receive your request outside this time period, we ask you to resubmit it for the next Quarterly Anniversary.

If you allocated Contract Value to Investment Options that are only available under Income Protector, you must transfer your Contract Value out of these Investment Options and remove these Investment Options from your future Purchase Payment allocation instructions for your removal request to be in Good Order.

On the rider termination date Lifetime Plus Payments (if applicable) stop, we deduct the final rider charge, and the restrictions on additional Purchase Payments and Contract Value allocations and transfers no longer apply.

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LIFETIME PLUS PAYMENT OVERVIEW

We base your initial annual maximum Lifetime Plus Payment on the Benefit Base and Payment Percentage. When payments begin (on the Benefit Date), the Benefit Base is the greatest of:

· 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).

The Payment Percentages table, Annual Increase Percentage and the number of Guarantee Years that are used to calculate your Lifetime Plus Payments and Annual Increase are stated in the Rate Sheet Supplement.

The annual maximum Lifetime Plus Payment is the amount you are entitled to receive each year, but you can choose to take an actual payment that is less than your annual maximum Lifetime Plus Payment. If you take less than 100% of your annual maximum Lifetime Plus Payment in a Benefit Year, you are not eligible for a potential payment increase in the next Benefit Year. Your annual maximum Lifetime Plus Payment may increase based on the Covered Person's age and/or if the Contract Value increases. However, your annual maximum payment does not increase just as a result of the Covered Person reaching an age that has a higher Payment Percentage; the result of the current Contract Value multiplied by the increased Payment Percentage must be greater than your current annual maximum payment for your payment to increase. For more information, see "Automatic Annual Lifetime Plus Payment Increases."

BENEFIT BASE

The Benefit Base determines both your rider charge and your initial annual maximum Lifetime Plus Payment. The greater the Benefit Base, the greater the initial annual maximum Lifetime Plus Payment.

On the Rider Effective Date, and on each Business Day before the Benefit Date, the Benefit Base is equal to the greater of the Quarterly Anniversary Value or the Annual Increase. On the Benefit Date, we compare your Benefit Base to the Contract Value using the values determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) and increase your Benefit Base to equal this Contract Value if it is greater.

On and after the Benefit Date, your Benefit Base only changes if you take an Excess Withdrawal, or we increase your annual maximum Lifetime Plus Payment. Changes in the Benefit Base also change your daily rider charge amount. Excess Withdrawals reduce your Benefit Base by the percentage of Contract Value withdrawn, determined at the end of the Business Day we process the withdrawal. An annual payment increase may increase or decrease your Benefit Base at the end of the last Business Day before a Benefit Anniversary as follows.

· 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 Payment Percentage determined by using the Covered Person's age 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.

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QUARTERLY ANNIVERSARY VALUE

While the benefit is in effect, we only calculate the Quarterly Anniversary Value before the Benefit Date.

If the Rider Effective Date is the Issue Date, the Quarterly Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. If the Rider Effective Date occurs after the Issue Date, the Quarterly Anniversary Value is initially equal to the Contract Value determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses).

At the end of each Business Day, we adjust the Quarterly Anniversary Value as follows.

· 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.

On each Quarterly Anniversary, we compare the Quarterly Anniversary Value to the Contract Value using the values determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) and increase the Quarterly Anniversary Value to equal this Contract Value if it is greater.

ANNUAL INCREASE

While the benefit is in effect, we only calculate the Annual Increase before the Benefit Date.

On each Quarterly Anniversary during the Guarantee Years, we apply a simple interest increase of one-fourth of the Annual Increase Percentage to the Purchase Payments adjusted for withdrawals (or the Contract Value on the Rider Effective Date, if applicable). Next, we compare this value to the Contract Value and increase it to equal the Contract Value if the Contract Value is greater (reset). We then apply any future simple interest increases to the reset value. Contract Value resets occur during the entire period we calculate the Annual Increase, not just during the Guarantee Years.

We establish your Contract's number of Guarantee Years and Annual Increase Percentage on the Rider Effective Date and we cannot change them. The Guarantee Years are the maximum number of years that you can receive simple interest increases under the Annual Increase. The number of Guarantee Years and the Annual Increase Percentage for the Income Protector rider are stated in the Rate Sheet Supplement.

If the Rider Effective Date is the Issue Date, both the Annual Increase and Increase Base are initially equal to the Purchase Payment received on the Issue Date. If the Rider Effective Date occurs after the Issue Date, both the Annual Increase and Increase Base are initially equal to the Contract Value determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses).

At the end of each Business Day, we adjust both the Annual Increase and Increase Base as follows.

· 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.

On each Quarterly Anniversary on or before the maximum Rider Anniversary, the Annual Increase is equal to:

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 stated in the Rate Sheet 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.

The maximum Rider Anniversary is the Quarterly Anniversary that occurs on the number of Guarantee Years after the Rider Effective Date. For example, if the Issue Date is June 1, 2009, the Rider Effective Date is September 1, 2009, and the number of Guarantee Years is 30, then the maximum Rider Anniversary is September 1, 2039.

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We then compare this Annual Increase to the Contract Value determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) and increase both the Annual Increase and the Increase Base to equal this Contract Value if it is greater. As previously stated, these resets can occur during the entire period we calculate the Annual Increase.

NOTE: For Contracts with the Bonus Option, unvested bonus amounts are not included in the Quarterly Anniversary Value, Annual Increase, Increase Base or the Contract Value.

REQUESTING LIFETIME PLUS PAYMENTS

You request Lifetime Plus Payments by completing a payment election form. Lifetime Plus Payments begin on the Benefit Date, which must be either the 1st or 15th of a calendar month. Your Benefit Date is the next available date that occurs at least 15 calendar days after we receive your request in Good Order at our Service Center. At least one Covered Person must be alive on the Benefit Date in order for Lifetime Plus Payments to begin. You cannot submit this form until the younger Covered Person reaches the minimum exercise age, or once the older Covered Person reaches age 91. We establish your Contract's minimum exercise age on the Rider Effective Date and we cannot increase it. The minimum exercise age is stated in the Rate Sheet Supplement.

We will begin making payments to you automatically without your request if your Contract Value reduces to zero for any reason other than a withdrawal or annuitization while this benefit is in effect and before the Benefit Date. In this instance we calculate your annual maximum Lifetime Plus Payment and begin making annual payments to you on the next available Benefit Date.

If the Benefit Date has not occurred six months before the older Covered Person reaches age 91, we send you written notice that the benefit is about to end. If the benefit ends before Lifetime Plus Payments begin, you will have paid for the benefit without receiving any of its advantages.

Once Lifetime Plus Payments begin:

· 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.

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· 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.

NOTE: If the older Covered Person is age 80 on the Rider Effective Date, we extend the latest available Benefit Date by 30 calendar days in order to allow you to receive the maximum benefit from the Annual Increase.

CALCULATING YOUR LIFETIME PLUS PAYMENTS

The annual maximum Lifetime Plus Payment is the amount you are entitled to receive each Benefit Year. On the Benefit Date, the initial annual maximum Lifetime Plus Payment is equal to the Benefit Base multiplied by the Payment Percentage, determined by using the Covered Person's current age. The Payment Percentages table for the Income Protector rider is stated in the Rate Sheet Supplement.On the Benefit Date, if your initial annual maximum Lifetime Plus Payment is less than $100, the benefit ends and you will have paid for the benefit without receiving any of its advantages. For example, assuming a 4% initial Payment Percentage, if you take withdrawals that reduce the Benefit Base to less than $2,500, this would result in an initial Lifetime Plus Payment of less than $100.

You can receive Lifetime Plus Payments semi-monthly, monthly, quarterly, semi-annually, or annually. If the scheduled payment date does not fall on a Business Day, we make the payment on the next Business Day.

You can change your payment frequency once each Benefit Year while your Contract Value is positive. A Benefit Year is a period of twelve months beginning on the Benefit Date or any subsequent Benefit Anniversary. You must provide notice of any requested payment frequency change to our Service Center at least 30 days before the Benefit Anniversary. If the change is available, we implement it on the Benefit Anniversary and it remains in effect until the benefit ends or you request another change. We do not accept payment frequency changes that would cause us to make payments of $0.01 to $99.99.

The annual maximum Lifetime Plus Payment is the amount you are entitled to, but you can choose to take less. The annual actual Lifetime Plus Payment is the total amount you choose to receive each year. Any part of your annual maximum payment that you do not withdraw in a given Benefit Year is not added to the annual maximum payment available next year. Each Lifetime Plus Payment you receive is equal to the annual actual Lifetime Plus Payment divided by the number of payments you chose to receive during the Benefit Year. Each actual Lifetime Plus Payment must either be zero, or $100 or more. For example, you cannot request an annual payment of $50.

If you would like to take less than the maximum available payment, you can change your payment amount once each Benefit Year while your Contract Value is positive by providing notice to our Service Center at least 30 days before the Benefit Anniversary. If the change is available, we implement it on the Benefit Anniversary and it remains in effect until the benefit ends or you request another change.

Once Lifetime Plus Payments have begun, if your Contract Value reduces to zero for any reason other than an Excess Withdrawal or annuitization, you will continue to receive your maximum Lifetime Plus Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person.

We deduct each Lifetime Plus Payment, Excess Withdrawal, and any additional payment resulting from a required minimum distribution, proportionately from the Investment Options. We continue to rebalance the Contract Value quarterly among the Investment Options according to your future Purchase Payment allocation instructions while this benefit is in effect. You can also continue to make transfers between the Investment Options while your benefit is in effect, subject to the restrictions set out in section 5, Investment Options – Transfers Between Investment Options, and the "Investment Option Allocation and Transfer Restrictions" discussion later in this section.

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Excess Withdrawals

Your annual maximum Lifetime Plus Payment only decreases if you take an Excess Withdrawal. An Excess Withdrawal is a withdrawal you take while you are receiving Lifetime Plus Payments, that when added to any other withdrawals taken during the Benefit Year and your annual actual payment, is greater than your current annual maximum payment. If your actual Lifetime Plus Payment is less than your annual maximum payment, you can withdraw the difference and we consider that withdrawal to be an additional actual Lifetime Plus Payment, and not an Excess Withdrawal. Excess Withdrawals include any applicable withdrawal charge, but do not include amounts we withdraw for other Contract charges.

For example, assume your annual maximum Lifetime Plus Payment is $2,000 and you take an annual actual Lifetime Plus Payment of $1,000. Within a Benefit Year, you can take an additional withdrawal of up to $1,000 and we consider that to be an additional actual Lifetime Plus Payment. If you withdraw $1,200, we consider the first $1,000 to be an additional actual Lifetime Plus Payment and the next $200 to be an Excess Withdrawal.

Any partial Excess Withdrawal must comply with the restrictions in section 8, Access to Your Money and the following provisions. If your Contract Value is less than $2,000, you can only withdraw the total remaining Contract Value (less any rider charge). Also, if at the end of the Business Day that we process your Excess Withdrawal your Contract Value is less than $2,000, you must withdraw the total remaining Contract Value (less any rider charge). If you take an Excess Withdrawal of the total remaining Contract Value your entire Contract ends.

Excess Withdrawals reduce your annual maximum Lifetime Plus Payment on the next Benefit Anniversary after the withdrawal. For each Excess Withdrawal, we reduce your annual maximum payment by the same percentage that we reduced the Benefit Base. If partial Excess Withdrawals reduce your annual maximum Lifetime Plus Payment to less than $100, we send you the total remaining Contract Value (less any rider charge) and your Contract ends.

NOTE:

· 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.

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AUTOMATIC ANNUAL LIFETIME PLUS PAYMENT INCREASES

We may change your annual maximum Lifetime Plus Payment on each Benefit Anniversary before the older Covered Person reaches age 91 as follows.

· 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 Payment Percentage determined by using the Covered Person's current age 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 table for Income Protector is stated in the Rate Sheet Supplement.

NOTE: Automatic annual Lifetime Plus Payment increases are not available once the older Covered Person reaches age 91, or on or after the Business Day your Contract Value reduces to zero.

RATE SHEET SUPPLEMENT

As previously indicated, the Annual Increase Percentage, Guarantee Years, Payment Percentages table and the minimum exercise age that Lifetime Plus Payments can begin for the Income Protector rider are stated in the Rate Sheet Supplement that you receive at the time you select the benefit and that is in effect on your Rider Effective Date. We cannot change these values for your Contract while your benefit is in effect. We publish any new Rate Sheet Supplement seven calendar days before it takes effect on our website at www.allianzlife.com/visionrates. You should not select Income Protector without first obtaining the Rate Sheet Supplement. You can contact us to receive the Rate Sheet Supplement applicable to your Contract by calling our Service Center at the toll-free telephone number listed at the back of this prospectus. For previously available Income Protector riders issued before April 27, 2015, the Annual Increase Percentage, Guarantee Years, Payment Percentages table and the minimum exercise age are stated in Appendix J.

TAXATION OF LIFETIME PLUS PAYMENTS

We treat Lifetime Plus Payments as withdrawals for tax purposes as discussed in section 12, Taxes – Taxation of Lifetime Payments.

CHARGE LOCK OPTION

If we increase Income Protector's rider charge, you can reject this charge increase and all future rider charge changes by selecting the Charge Lock Option rider. You keep Income Protector at the current rider charge, but with reduced guaranteed values, reduced Lifetime Plus Payments, and no opportunity for future payment increases or future rider charge decreases.

We notify you in writing at least 30 days in advance of any increase to your rider charge. The notice will include information on the amount of increase to your rider charge, and the options available to you (accept the rider charge increase, remove Income Protector from your contract, or select the Charge Lock Option rider). If you are interested in the Charge Lock Option rider we ask you to either contact your Financial Professional or call us and we will send you the Charge Lock Option selection form and a copy of this prospectus.

After we receive your selection form in Good Order at our Service Center, the Charge Lock Option rider becomes effective on the Quarterly Anniversary that we are scheduled to increase the rider charge (or on the next Business Day if the Quarterly Anniversary is not a Business Day). To be in Good Order, we must receive your selection form no later than 4 p.m. Eastern Time on the last Business Day before the Quarterly Anniversary that we are to increase the rider charge. If we receive your selection form after this date and time we do not add the Charge Lock Option rider to your Contract and we increase your rider charge, but we make no other changes to your Contract. If we do not receive your selection form in time, you can either keep Income Protector at the increased rider charge, or you can make a separate request to remove it on the next Quarterly Anniversary and you will be subject to the increased rider charge until we remove Income Protector from your Contract. If you choose to keep Income Protector and we increase your rider charge in the future, the Charge Lock Option rider will again be available to you at that time, and will be based upon your then-current rider charges.

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If you select the Charge Lock Option rider, Income Protector's rider charge does not change on or after the Charge Lock Date (which is the Quarterly Anniversary or the next Business Day if that day is not a Business Day, that we would have otherwise increased your rider charge).

If you select the Charge Lock Option rider, you do not receive any automatic increases to your guaranteed values and payments after the Last Increase Date. We determine the Last Increase Date as follows.

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

If your Last Increase Date is on or before the Benefit Date, we reduce Income Protector's benefits as follows.

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 the Payment Percentage based on your current 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 annual Lifetime Plus Payment increases	Not available.

Together, these reductions can significantly decrease the amount of Lifetime Plus Payments you receive. The Payment Percentages table for the Income Protector rider is stated in the Rate Sheet Supplement that you receive at the time your select the benefit and that is in effect on your Rider Effective Date. The Payment Percentages table for previously available Income Protector riders issued before April 27, 2015 are stated in Appendix J.

If your Last Increase Date is after the Benefit Date, your Lifetime Plus Payments do not change until the next Benefit Anniversary. If your Contract Value is zero on the Last Increase Date, the Charge Lock Option rider ends and we make no change to Income Protector. If your Contract Value is positive on the Last Increase Date, we reduce your annual maximum Lifetime Plus Payments as follows.

· 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.

After the Last Increase Date your annual maximum Lifetime Plus Payment cannot increase, but it can decrease if you take an Excess Withdrawal.

A hypothetical example showing how Income Protector may be affected if you select the Charge Lock Option rider is provided in Appendix K.

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The Charge Lock Option rider ends on the earlier of the Business Day Income Protector ends, or the Last Increase Date if your Contract Value equals zero.

NOTE:

· 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.

INVESTMENT OPTION ALLOCATION AND TRANSFER RESTRICTIONS AND QUARTERLY REBALANCING

Under Income Protector, we restrict your Investment Option selection. By selecting this benefit, you agree to allow us to rebalance your Contract Value quarterly, as described here. We put these restrictions in place to support Income Protector's guarantees. To the extent these restrictions limit your investment flexibility, they may limit the upside potential to your Investment Option returns, which may limit your Contract Value and Benefit Base.

If you select Income Protector, we currently require you to allocate your Contract Value to the Investment Options listed below.

Income Protector available Investment Options

AZL Enhanced Bond Index Fund AZL Government Money Market Fund AZL MetWest Total Return Bond Fund AZL MVP Balanced Index Strategy Fund AZL MVP BlackRock Global Strategy Plus Fund AZL MVP DFA Multi-Strategy Fund AZL MVP Fusion Dynamic Balanced Fund AZL MVP Fusion Dynamic Conservative Fund AZL MVP Fusion Dynamic Moderate Fund AZL MVP Growth Index Strategy Fund AZL MVP Moderate Index Strategy Fund AZL MVP Pyramis Multi-Strategy Fund AZL MVP T. Rowe Price Capital Appreciation Plus Fund

AZL Pyramis Total Bond Fund Franklin Income VIP Fund Franklin U.S. Government Securities VIP Fund PIMCO VIT All Asset Portfolio PIMCO VIT Global Advantage Strategy Bond Portfolio PIMCO VIT Global Multi-Asset Managed Volatility Portfolio PIMCO VIT High Yield Portfolio PIMCO VIT Real Return Portfolio PIMCO VIT Total Return Portfolio PIMCO VIT Unconstrained Bond Portfolio RCM Dynamic Multi-Asset Plus VIT Portfolio Templeton Global Bond VIP Fund

We may add, remove or substitute Investment Options from this list. We secure all necessary SEC and other governmental approvals before removing or substituting an Investment Option. We send you written notice regarding additions, removals or substitutions. When an Investment Option within this list is removed or substituted, we send you written notice 30 days before the removal or substitution date.

NOTE: For previous versions of Income Protector (available from July 22, 2009 through October 12, 2012), the available Investment Options are listed in AppendixJ. The version identifier (for example, (07.12)) is located in your rider.

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While your benefit is in effect and your Contract Value is positive, we rebalance your Contract Value quarterly according to your future Purchase Payment allocation instructions if they comply with the restrictions stated here. The rebalancing occurs at the end of the last Business Day before each Quarterly Anniversary. Your Investment Options' performance may cause your chosen allocations to shift. Quarterly rebalancing helps you maintain your selected allocation mix. There are no fees for the quarterly rebalancing transfers we make, and we do not count them against the free transfers we allow. To change this quarterly rebalancing, you must change your future Purchase Payment allocation instructions. Any requested change to these instructions must comply with the restrictions stated here or we reject your change.

WHEN INCOME PROTECTOR ENDS

Income Protector ends on the earliest of the following.

· 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.

NOTE FOR RIDERS ISSUED IN CALIFORNIA AND NEW JERSEY:An assignment or change of ownership does not change the Covered Person(s). After an assignment or change of ownership, if a Covered Person who was previously an Owner or Annuitant no longer has that position, Income Protector ends 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. Upon the death of an individual Owner (or Annuitant if the Owner is a non-individual), if the deceased's spouse is a sole Beneficiary and continues the Contract, Income Protector ends on the earlier of the date of death of the surviving spouse or last surviving Covered Person. If a surviving spouse instead elects to receive payment of the death benefit, Income Protector ends on the Business Day we receive his or her Valid Claim. For riders issued in New Jersey involving civil union partners, Income Protector and Lifetime Plus Payments may end even earlier because Contract continuation is not allowed for a surviving civil union partner.This means that Lifetime Plus Payments may end even if a Covered Person is still alive.

11.b QUARTERLY VALUE DEATH BENEFIT

We designed the Quarterly Value Death Benefit to lock in any quarterly investment gains to provide an increased death benefit for Beneficiaries. The Quarterly Value Death Benefit described in this section was only available at issue on Version B Contracts from April 30, 2012 through April 26, 2013. Please see Appendix F for information on the previous versions of the Quarterly Value Death Benefit. You cannot remove the Quarterly Value Death Benefit from your Contract. The Quarterly Value Death Benefit carries an additional M&E charge as described in the Fee Tables and section 7, Expenses – Mortality and Expense Risk (M&E) Charge.

The Quarterly Value Death Benefit is the greater of the Contract Value (after deduction of the final rider charge, if applicable), or the Quarterly Anniversary Value. For a sole Beneficiary, we determine the Quarterly Value Death Benefit at the end of the Business Day during which we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of Quarterly Anniversary Value determined at the end of the Business Day we receive the first Valid Claim from any one Beneficiary, or their portion of the Contract Value determined at the end of the Business Day during which we receive his or her Valid Claim.

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The Quarterly Anniversary Value is initially equal to the Purchase Payment received on the Issue Date.

At the end of each Business Day, we adjust the Quarterly Anniversary Value as follows.

· 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.

On each Quarterly Anniversary before the end date, we compare the Quarterly Anniversary Value to the Contract Value, using the values determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) and increase the Quarterly Anniversary Value to equal this Contract Value if it is greater. On and after the end date, we no longer make this comparison and you will no longer receive lock ins of any quarterly investment gains.

The end date occurs on the earliest of:

· 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 Quarterly Value Death Benefit ends upon the earliest of the following.

· 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.

NOTE:

· 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.

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11.c BONUS OPTION

We designed the Bonus Option for Owners who believe the bonus' returns are offset by this benefit's additional costs. This benefit provides a 6% bonus on each Purchase Payment received before the older Owner reaches age 81(or the Annuitant reaches age 81 if Owner is a non-individual), subject to a three-year vesting schedule. The Bonus Option was only available at issue on Version A Contracts from May 1, 2007 through April 29, 2011, and Version B Contracts from May 2, 2011 through April 26, 2013. You cannot remove the Bonus Option from your Contract. This benefit ends when your Contract ends. The Bonus Option carries an additional M&E charge and is subject to a higher and longer withdrawal charge schedule as described in the Fee Tables and section 7, Expenses.

The bonus is subject to the following terms.

● 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 Since Purchase 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.

We pay all bonus amounts from the general account assets of Allianz Life.

We deduct Contract charges other than the M&E charge from the Bonus Value, which is your Contract Value plus any unvested bonus. If you take a withdrawal* or Full Annuitization, or if a death benefit is payable in the first three years after we receive a Purchase Payment, you lose all or some of your bonus. We expect to profit from the Bonus Option's additional M&E charge and withdrawal charge.

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

NOTE:

· 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

This section provides a summary explanation of the tax ramifications of your Contract. More detailed information about product taxation is contained in the Statement of Additional Information, which is available by calling the toll-free telephone number at the back of this prospectus.We do not provide individual tax advice. You should contact your tax adviser to discuss this Contract's effects on your personal tax situation.

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QUALIFIED AND NON-QUALIFIED CONTRACTS

Your Contract is either a Qualified Contract or a Non-Qualified Contract. A Qualified Contract is purchased pursuant to a specialized provision of the Internal Revenue Code (Code). For example, a Contract may be purchased pursuant to Section 408 of the Code as an Individual Retirement Annuity (IRA).

Qualified Contracts are subject to certain restrictions, including restrictions on the amount of annual contributions, restrictions on how much you can earn and still be able to contribute to a Qualified Contract, and specialized restrictions on withdrawals. Qualified Contracts must be purchased from earned income from the relevant year or years, or from a rollover or transfer from a qualified contract. An IRA to IRA indirect rollover can occur only once in any twelve month period from all of the IRAs you currently own. Purchase Payments to Qualified Contracts other than from a qualified transfer may be restricted once the Owner reaches age 70½.

As of April 26, 2013, we offered the following types of Qualified Contracts.

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.

There are no Code restrictions on annual contributions to a Non-Qualified Contract or how much you can earn and still contribute to a Contract.

TAXATION OF ANNUITY CONTRACTS

The Contract has the following tax characteristics.

· 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 money 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 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-tax money.

· 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.

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· 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.

TAXATION OF LIFETIME PAYMENTS

We treat Lifetime Plus Payments and Income Focus Payments (lifetime payments) as withdrawals for tax purposes. This means that, for Non-Qualified Contracts, gains from the entire Contract are considered to be distributed first and are subject to ordinary income tax. Purchase Payments are distributed after gains have been paid out and are generally considered to be a return of your investment and are not subject to income tax. For Qualified Contracts, the total lifetime payment is most likely subject to ordinary income tax. If you are taking withdrawals from the Contract to satisfy the requirements for substantially equal periodic payments under Section 72(t) or 72(q) of the Internal Revenue Code and you begin lifetime payments before the required series of withdrawals is complete, you may incur additional penalties, including a 10% additional federal tax.

TAX-FREE SECTION 1035 EXCHANGES

Subject to certain restrictions, you can make a "tax-free" exchange under Section 1035 of the Internal Revenue Code for all or a portion of one annuity contract for another, or all of a life insurance policy for an annuity contract. Before making an exchange, you should compare both contracts carefully. Remember that if you exchange a life insurance policy or annuity contract for the Contract described in this prospectus:

· 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.

If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income tax, including a possible additional federal tax, on the exchange. You should not exchange an existing life insurance policy or another annuity contract for this Contract unless you determine the exchange is in your best interest and not just better for the person selling you the Contract who generally earns a commission on each sale. You should consult a tax adviser to discuss the potential tax effects before making a 1035 exchange.

13. OTHER INFORMATION

ALLIANZ LIFE

Allianz Life is a stock life insurance company organized under the laws of the state of Minnesota in 1896. Our address is 5701 Golden Hills Drive, Minneapolis, MN 55416. We currently offer fixed, fixed index, and variable annuities, individual life insurance, and registered index-linked annuities. We are licensed to do direct business in 49 states and the District of Columbia. We are a subsidiary of Allianz SE, a provider of integrated financial services.

THE SEPARATE ACCOUNT

We established Allianz Life Variable Account B (the Separate Account) as a separate account under Minnesota insurance law on May 31, 1985. The Separate Account is registered with the Securities and Exchange Commission as a unit investment trust under the Investment Company Act of 1940. The SEC does not supervise our management of the Separate Account.

The Separate Account holds the assets that underlie the Contracts, except assets allocated to our general account. We keep the Separate Account assets separate from the assets of our general account and other separate accounts. The Separate Account is divided into subaccounts, each of which invests exclusively in a single Investment Option.

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We own the assets of the Separate Account. We credit gains to or charge losses against the Separate Account, whether or not realized, without regard to the performance of other investment accounts. The Separate Account's assets may not be used to pay any of our liabilities, other than those arising from the Contracts.

If the Separate Account's assets exceed the required reserves and other liabilities, we may transfer the excess to our general account, to the extent of seed money invested by us or earned fees and charges. The obligations under the Contracts are obligations of Allianz Life.

DISTRIBUTION

Allianz Life Financial Services, LLC (Allianz Life Financial), a wholly owned subsidiary of Allianz Life Insurance Company of North America, serves as principal underwriter for the Contracts. Allianz Life Financial is a limited liability company organized in Minnesota, and is located at 5701 Golden Hills Drive, Minneapolis, MN 55416. Allianz Life Financial is registered as a broker/dealer with the SEC under the Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial Industry Regulatory Authority (FINRA). Allianz Life Financial is not a member of Securities Investors Protection Corporation. More information about Allianz Life Financial is available at www.finra.org or by calling 1-800-289-9999. You also can obtain an investor brochure from FINRA describing its Public Disclosure Program.

We have entered into a distribution agreement with Allianz Life Financial for the distribution of the Contracts. Allianz Life Financial also may perform various administrative services on our behalf.

We may fund Allianz Life Financial's operating and other expenses, including: overhead; legal and accounting fees; Financial Professional training; compensation for the Allianz Life Financial management team; and other expenses associated with the Contracts. Financial Professionals and their managers are also eligible for various benefits, such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with Allianz Life Financial. Non-cash items include conferences, seminars and trips (including travel, lodging and meals in connection therewith), entertainment, awards, merchandise and other similar items.

Allianz Life Financial does not itself sell the Contracts on a retail basis. Rather, Allianz Life Financial enters into selling agreements with other broker/dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. These selling firms include third party broker/dealers and Questar Capital Corporation, an affiliated broker/dealer. We pay sales commissions to the selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled, could exceed 7% of Purchase Payments.

We and/or Allianz Life Financial may make bonus payments to certain selling firms based on aggregate sales of our variable insurance contracts (including this Contract) or persistency standards, or as part of a special promotion. These additional payments are not offered to all selling firms, and the terms of any particular agreement governing the payments may vary among selling firms. In some instances, the amount paid may be significant.

A portion of the payments made to selling firms may be passed on to their Financial Professionals. Financial Professionals may receive cash and non-cash compensation and other benefits. Ask your Financial Professional for further information about what they and their firm may receive in connection with your purchase of a Contract.

We intend to recover commissions and other expenses through fees and charges imposed under the Contract. Commissions paid on the Contract, including other incentives or payments, are not charged directly to the Owners or the Separate Account.

Broker-dealers and their Financial Professionals and managers involved in sales of the Contracts may receive payments from us for administrative and other services that do not directly involve the sale of the Contracts, including payments made for recordkeeping, the recruitment and training of personnel, production of promotional literature and similar services. In addition, certain firms and their Financial Professionals may receive compensation for distribution and administrative services when acting in a wholesaling capacity and working with retail firms.

In certain instances, we and/or Allianz Life Financial may make payments to a broker/dealer for inclusion of this Contract in its list of products that it offers for sale.

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We and/or Allianz Life Financial may pay certain selling firms additional marketing support allowances for:

· 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.

We retain substantial discretion in determining whether to grant a marketing support payment to a particular broker/dealer firm and the amount of any such payment.

We may also make payments for marketing and wholesaling support to broker/dealer affiliates of Investment Options that are available through the variable annuities we offer.

Additional information regarding marketing support payments can be found in the Distributor section of the Statement of Additional Information.

The Investment Options may assess a Rule 12b‑1 fee. These fees are paid to Allianz Life Financial as consideration for providing certain services and incurring certain expenses permitted under the Investment Option's plan. These fees typically equal 0.25% of an Investment Option's average daily net assets for the most recent calendar year.

In certain instances, an investment adviser and/or subadviser (and/or their affiliates) of an Investment Option may make payments for administrative services to Allianz Life Financial or its affiliates.

We offer the Contracts to the public on a continuous basis. We anticipate continuing to offer the Contracts but reserve the right to discontinue the offering.

ADDITIONAL CREDITS FOR CERTAIN GROUPS

We may credit additional amounts to a Contract instead of modifying charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.

ADMINISTRATION/ALLIANZ SERVICE CENTER

The Allianz Service Center performs certain administrative services regarding the Contracts and is located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine customer services performed by our Service Center include processing and mailing of account statements and other mailings to Owners, responding to Owner correspondence and inquiries, and processing requests for variable annuity payments. Allianz Life also contracts with Tata Consultancy Services (Tata) located at #42(P) & 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services including:

· issuance and maintenance of the Contracts,

· maintenance of Owner records, and

· routine customer service including:

– processing of Contract changes,

– processing withdrawal requests (both partial and total) and

– processing requests for fixed annuity payments.

Services performed by Tata are overseen and quality control checked by our Service Center.

To reduce expenses, only one copy of most financial reports and prospectuses, including reports and prospectuses for the Investment Options, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our Service Center at the toll-free telephone number listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each contract in future mailings.

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LEGAL PROCEEDINGS

We and our subsidiaries, like other life insurance companies, from time to time are involved in legal proceedings of various kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement payments have been made. Although the outcome of any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which we, the Separate Account, or Allianz Life Financial is a party that are reasonably likely to materially affect the Separate Account, our ability to meet our obligations under the Contracts, or Allianz Life Financial's ability to perform its obligations.

FINANCIAL STATEMENTS

The consolidated financial statements of Allianz Life and the financial statements of the Separate Account have been included in Part C of the Registration Statement.

STATUS PURSUANT TO SECURITIES EXCHANGE ACT OF 1934

Allianz Life hereby relies on the exemption provided by Rule 12h-7 under the Securities Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.

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14. PRIVACY NOTICE

2016

Your privacy is a high priority for Allianz ("we" or "our"). Our pledge to protect your privacy is reflected in our Privacy Notice. This notice outlines our principles for collecting, using and protecting information that we maintain about you.

This notice applies to Allianz and its affiliated companies listed at the end of this notice. The law allows us to share your information among our affiliates. The law does not allow you to prevent these disclosures.

Information about you that Allianz collects

We collect information about you so that we can process the insurance transactions you request. We limit the amount of your information collected to what we feel is needed to maintain your account. We may collect your information from the following sources:

· From you, either directly or through your agent. This may include information on your insurance application or other forms you may complete. The information we collect includes, but is not limited to, your name, social security number, address and telephone number.

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

· From your doctor or during a home visit by a health assessment professional. This may include medical information about you gathered with your written authorization.

· From your relationship with us, such as the number of years you have been a customer or the types of insurance products you purchased.

· From a consumer reporting agency such as a medical, credit, or motor vehicle report. The information in these reports may be kept by the agency and shared with others.

Information about you that Allianz shares

We do not share information about current or former customers with anyone, except as allowed by law. "Allowed by law" means that we may share your information, such as your name, address, and policy information, as follows:

· With affiliates and other third parties in order to administer or service your policy.

· 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 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 agency, as required by law or to report suspected fraud activities.

· With research groups to conduct studies on claims results. No individual is identified in any study or report.

We advise the vendors with whom we legally share your information of our privacy policy. We make every effort to use vendors whose privacy policy reflects our own.

Allianz does not sell your information to anyone

We do not sell your information to anyone for their own marketing purposes. For this reason, we are not required to obtain an "opt-in election," an "opt-out election" or an authorization from you.

Allianz policies and practices regarding security of your information

We limit access to your information to those employees, affiliates, and service providers who need it to administer or service your policy. We use computer hardware and software tools to maintain physical and electronic safeguards. These safeguards comply with applicable federal and state regulations. We use state of the art technology to secure our websites and protect the information that may be shared over these sites. We restrict access to information about you to those employees who need the information to service your policy.

If you visit one of our websites, we may use "cookies" (small text files sent from our site to your hard drive). These cookies help us to recognize repeat visitors and allow easy access to and use of the site. We do not use cookies to gather your information. The cookies only enable you to use our website more easily.

Your ability to access and correct your information

You have the right to access and obtain a copy of your information. You may write to us and also ask for a record of any disclosure of your medical information made within the last three (3) years. This does not include the right to access and copy your information related to a claim or civil or criminal proceeding. If you wish to review your information, please write us at the address below. Provide your full name, address and policy number(s). For your protection, please have your request notarized.

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Within 30 working days of our receipt of your written request, you may see and get a copy of your information in person. If you prefer, we will send you a copy of your information. If medical information is contained in your file, we may request that you name a medical professional to whom we will send your information.

If you believe any of your information is incorrect, notify us in writing at the address below. Within 30 working days, we will let you know if our review has resulted in a correction of your information. If we do not agree there is an error, you may file a statement disputing our finding. We will attach the statement to your file. We will send any corrections we make, or your statement, to anyone we shared your information with over the past two years, and to anyone who may receive your information from us in the future. We do not control the information about you obtained from a consumer reporting agency or a Department of Motor Vehicles. We will provide you with the names and addresses of these agencies so that you can contact them directly.

Montana residents: You may write to us and also ask for a record of any disclosure of your medical information made within the last three years.

Notification of change

Your trust is one of our most important assets. If we revise our privacy practices in the future, we will notify you prior to introducing any changes. This Privacy Notice is also displayed on our website at www.allianzlife.com.

For more information or if you have questions

If you have any questions or concerns about our privacy policies or procedures, please call the Corporate Compliance Privacy Office at 800.328.5600, write us at the following address or contact us via the secured website.

Allianz Life Insurance Company of North America 5701 Golden Hills Drive Minneapolis, MN 55416-1297 800.328.5600 www.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

M40018 (R-9/2015)

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…………………………………………………..	2	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……………………………	11
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…	14
		Appendix B – Condensed Financial Information	17

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APPENDIX A – ANNUAL OPERATING EXPENSES FOR EACH INVESTMENT OPTION

This table describes, in detail, the annual expenses for each of the Investment Options. We show the expenses as a percentage of an Investment Option's average daily net assets for the most recent calendar year. Except for the AZL Funds and the PIMCO VIT portfolios, neither the Investment Options nor their advisers are affiliated with us. Expenses may vary in current and future years. The investment advisers for the Investment Options provided the fee and expense information and we did not independently verify it. See the Investment Options' prospectuses for further information regarding the expenses you may expect to pay. Some of the Investment Options or their affiliates may also pay service fees to us or our affiliates. If these fees are deducted from Investment Option assets, they are reflected in the table below.

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
ALLIANZ
RCM Dynamic Multi-Asset Plus VIT Portfolio	.70	.25	–	.86	.05	1.86
BLACKROCK
AZL Emerging Markets Equity Index Fund	1.23	.25	–	.26	–	1.74
AZL Enhanced Bond Index Fund	.35	.25	–	.06	–	.66
AZL Global Equity Index Fund	.90	.25	–	.09	–	1.24
AZL Government Money Market Fund	.35	.25	–	.05	–	.65
AZL International Index Fund	.35	.25	–	.15	–	.75
AZL Mid Cap Index Fund	.25	.25	–	.07	–	.57
AZLRussell 1000 Growth Index Fund	.44	.25	–	.09	–	.78
AZL Russell 1000 Value Index Fund	.44	.25	–	.08	–	.77
AZL S&P 500 Index Fund – Class 2	.17	.25	–	.07	–	.49
AZL Small Cap Stock Index Fund	.26	.25	–	.08	–	.59
BlackRock Global Allocation V.I. Fund – Class 3	.62	.25	–	.25	–	1.12
DAVIS
Davis VA Financial Portfolio	.55	–	–	.13	–	.68
FIDELITY
Fidelity VIP FundsManager 50% Portfolio – Service Class 2	.25	.25	–	–	.57	1.07
Fidelity VIP FundsManager 60% Portfolio – Service Class 2	.25	.25	–	–	.63	1.13
FRANKLIN TEMPLETON
Franklin Founding Funds Allocation VIP Fund – Class 2	.00	.25	–	.11	.67	1.03
Franklin Income VIP Fund – Class 2	.45	.25	–	.01	–	.71
Franklin Mutual Shares VIP Fund – Class 2	.69	.25	–	.04	–	.98
Franklin U.S. Government Securities VIP Fund – Class 2	.47	.25	–	.03	–	.75
Templeton Global Bond VIP Fund – Class 2	.46	.25	–	.06	–	.77
Templeton Growth VIP Fund – Class 2	.77	.25	–	.03	–	1.05
GATEWAY
AZL Gateway Fund	.80	.25	–	.05	–	1.10
J.P. MORGAN
JPMorgan Insurance Trust Core Bond Portfolio – Class 2	.40	.25	–	.23	.01	.89
METWEST
AZL MetWest Total Return Bond Fund	.60	.25	–	.04	–	.89
MFS
MFS VIT Total Return Bond Portfolio – Service Class	.50	.25	–	.04	–	.79
MORGAN STANLEY
AZL Morgan Stanley Global Real Estate Fund	.90	.25	–	.14	–	1.29
NFJ
Allianz NFJ Dividend Value VIT Portfolio	.70	.25	–	.22	–	1.17
PIMCO
PIMCO VIT All Asset Portfolio – Admin. Class	.425	–	.15	–	.83	1.405
PIMCO VIT CommodityRealReturn Strategy Portfolio – Admin. Class	.74	–	.15	.17	.11	1.17
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	–	–	.90
PIMCO VIT Global Multi-Asset Managed Allocation Portfolio – Admin. Class	.95	–	.15	.05	.30	1.45

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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
PIMCO VIT Global Multi-Asset Managed Volatility Portfolio – Admin. Class	1.05	_	.15	.02	.25	1.47
PIMCO VIT High Yield Portfolio – Admin. Class	.60	–	.15	.01	–	.76
PIMCO VIT Real Return Portfolio – Admin. Class	.50	–	.15	.13	–	.78
PIMCO VIT StocksPLUS® Global Portfolio – Advisor Class	1.04	.25	–	.02	–	1.31
PIMCO VIT Total Return Portfolio – Admin. Class	.50	–	.15	.01	–	.66
PIMCO VIT Unconstrained Bond Portfolio – Admin Class	.90	–	.15	.01	–	1.06
PYRAMIS
AZL Pyramis Total Bond Fund	.50	.25	–	.07	–	.82
PYRAMIS/GEODE
AZL Pyramis Multi-Strategy Fund	.70	.25	–	.09	–	1.04
T. ROWE PRICE
AZL T. Rowe Price Capital Appreciation Fund	.75	.25	–	.05	–	1.05

This table describes, in detail, the annual expenses for each of the Allianz Fund of Funds. We show the expenses as a percentage of an Investment Option's average daily net assets. The underlying funds may pay 12b‑1 fees to the distributor of the Contracts for distribution and/or administrative services. The underlying funds do not pay service fees or 12b‑1 fees to the Allianz Fund of Funds and the Allianz Fund of Funds do not pay service fees or 12b‑1 fees. The underlying funds of the Allianz Fund of Funds may pay service fees to the insurance companies issuing variable contracts, or their affiliates, for providing customer service and other administrative services to contract purchasers. The amount of such service fees may vary depending on the underlying fund.

Investment Option	Management fees	Rule 12b‑1 fees	Other expenses	Total	Acquired fund fees and expenses	Total annual fund operating expenses before fee waivers and/or expense reimbursements
ALLIANZ FUND OF FUNDS
AZL Balanced Index Strategy Fund	.05	–	.03	.08	.62	.70
AZL DFA Multi-Strategy Fund	.05	–	.02	.07	.92	.99
AZL Moderate Index Strategy Fund	.75	–	.05	.80	–	.80
AZL MVP Balanced Index Strategy Fund	.10	–	.04	.14	.59	.73
AZL MVP BlackRock Global Strategy Plus Fund	.10	–	1.08	1.18	.01	1.19
AZL MVP DFA Multi-Strategy Fund	.20	–	.32	.52	1.02	1.54
AZL MVP Fusion Dynamic Balanced Fund	.20	–	.02	.22	.88	1.10
AZL MVP Fusion Dynamic Conservative Fund	.20	–	.04	.24	.82	1.06
AZL MVP Fusion Dynamic Moderate Fund	.20	–	.02	.22	.94	1.16
AZL MVP Growth Index Strategy Fund	.10	–	.02	.12	.57	.69
AZL MVP Moderate Index Strategy Fund	.10	–	.03	.13	1.00	1.13
AZL MVP Pyramis Multi-Strategy Fund	.10	–	.05	.15	.99	1.14
AZL MVP T. Rowe Price Capital Appreciation Plus Fund	.10	--	.03	.13	1.00	1.13

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix A

74

APPENDIX B – CONDENSED FINANCIAL INFORMATION

The consolidated financial statements of Allianz Life Insurance Company of North America and the financial statements of Allianz Life Variable Account B are included in Part C of the Registration Statement.

Accumulation unit value (AUV) information corresponding to the lowest and highest combination of M&E charges as of the end of December 31, 2015 is listed in the tables below. A separate rider charge may also apply to your Contract if you have Income Protector, Investment Protector, or Income Focus, which is not reflected in the table below. See the Fee Tables for further information regarding the rider charge. You can find AUV information corresponding to the additional combinations of charges in the appendix to the Statement of Additional Information (SAI), which is available without charge by contacting us at the telephone number or address listed at the back of this prospectus.

This information should be read in conjunction with the financial statements and related notes of the Separate Account included in Part C of the Registration Statement.

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%

(Number of Accumulation Units in thousands)

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
Allianz NFJ Dividend Value VIT Portfolio
12/31/2014		N/A		14.204	20	12/31/2014	N/A	14.006	0
12/31/2015		14.204		12.766	42	12/31/2015	14.006	12.513	5
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
12/31/2014		13.372		13.993	5733	12/31/2014	13.040	13.563	498
12/31/2015		13.993		13.800	5611	12/31/2015	13.563	13.296	393
AZL DFA Multi-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
12/31/2014		14.814		15.561	24521	12/31/2014	14.446	15.083	1398
12/31/2015		15.561		15.242	23128	12/31/2015	15.083	14.686	1226
AZL Emerging Markets Equity Index 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
12/31/2014		11.266		10.530	703	12/31/2014	10.758	9.995	93
12/31/2015		10.530		9.045	629	12/31/2015	9.995	8.535	85
AZL Enhanced Bond Index Fund
12/31/2014		N/A		11.289	17	12/31/2014	N/A	10.924	0
12/31/2015		11.289		11.158	232	12/31/2015	10.924	10.732	3

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

75

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 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
12/31/2014			11.275		11.462	1796	12/31/2014	11.029		11.144	160
12/31/2015			11.462		11.526	1704	12/31/2015	11.144		11.140	142
AZL Global Equity Index Fund
12/31/2014			N/A		15.779	3	12/31/2014	N/A		15.251	0
12/31/2015			15.779		13.604	29	12/31/2015	15.251		13.070	2
AZL Government 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
12/31/2014			10.502		10.357	5961	12/31/2014	9.660		9.469	835
12/31/2015			10.357		20.213	6925	12/31/2015	9.469		9.283	859
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
12/31/2014			12.351		11.426	1402	12/31/2014	12.044		11.076	46
12/31/2015			11.426		11.111	1271	12/31/2015	11.076		10.706	40
AZL MetWest Total Return Bond Fund
12/31/2015		N/A			9.893	225	12/31/2015		N/A	9.827	1
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
12/31/2014			15.546		16.742	1747	12/31/2014	15.207		16.279	50
12/31/2015			16.742		16.068	1627	12/31/2015	16.279		15.530	89
AZL Moderate Index Strategy 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
12/31/2014			16.814		17.990	10222	12/31/2014	15.866		16.873	953
12/31/2015			17.990		17.302	9587	12/31/2015	16.873		16.131	780

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

76

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 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
12/31/2014			11.032		12.377	194	12/31/2014	10.535		11.749	52
12/31/2015			12.377		12.041	166	12/31/2015	11.749		11.362	48
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
12/31/2014			11.879		12.428	4744	12/31/2014	11.739		12.208	345
12/31/2015			12.428		12.227	4731	12/31/2015	12.208		11.939	272
AZL MVP BlackRock Global Strategy Plus 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
12/31/2014			11.841		11.912	19838	12/31/2014	11.702		11.701	591
12/31/2015			11.912		11.571	18199	12/31/2015	11.701		11.298	550
AZL MVP DFA Multi-Strategy Fund
12/31/2015		N/A			9.409	523	12/31/2015		N/A	9.370	55
AZL MVP Fusion Dynamic 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
12/31/2014			14.001		14.439	18273	12/31/2014	13.290		13.625	1060
12/31/2015			14.439		13.989	16.934	12/31/2015	13.625		13.121	973
AZL MVP Fusion Dynamic 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
12/31/2014			12.880		13.311	4328	12/31/2014	12.560		12.903	265
12/31/2015			13.311		13.025	4509	12/31/2015	12.903		12.549	227
AZL MVP Fusion Dynamic 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
12/31/2014			13.956		14.345	48192	12/31/2014	13.248		13.536	2425
12/31/2015			14.345		13.847	44280	12/31/2015	13.536		12.987	2175
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
12/31/2014			13.046		13.697	19509	12/31/2014	12.892		13.455	842
12/31/2015			13.697		13.398	21262	12/31/2015	13.455		13.083	681

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

77

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 MVP Moderate Index Strategy 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
12/31/2014		13.121		14.028	7614	12/31/2014	12.966	13.780	375
12/31/2015		14.028		13.388	7315	12/31/2015	13.780	13.073	311
AZL MVP Pyramis Multi-Strategy 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
12/31/2014		12.296		12.408	5424	12/31/2014	12.173	12.210	207
12/31/2015		12.408		11.475	5099	12/31/2015	12.210	11.225	195
AZL MVP T. Rowe Price Capital Appreciation Plus Fund
12/31/2014		N/A		10.969	5670	12/31/2014	N/A	10.905	321
12/31/2015		10.969		11.265	12750	12/31/2015	10.905	11.133	866
AZL Pyramis Multi-Strategy 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
12/31/2014		14.147		14.248	11245	12/31/2014	13.795	13.811	594
12/31/2015		14.248		13.283	10176	12/31/2015	13.811	12.798	557
AZL Pyramis Total 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
12/31/2014		9.659		10.036	874	12/31/2014	9.583	9.898	53
12/31/2015		10.036		9.809	1104	12/31/2015	9.898	9.615	49
AZL Russell 1000 Growth Index Fund
12/31/2014		N/A		17.776	52	12/31/2014	N/A	17.284	0
12/31/2015		17.776		18.381	123	12/31/2015	17.284	17.766	5
AZL Russell 1000 Value Index Fund
12/31/2014		N/A		16.927	57	12/31/2014	N/A	16.458	0
12/31/2015		16.927		15.953	58	12/31/2015	16.458	15.419	4
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
12/31/2014		12.561		14.011	4446	12/31/2014	12.068	13.381	223
12/31/2015		14.011		13.949	4065	12/31/2015	13.381	13.240	328
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
12/31/2014		15.156		15.727	574	12/31/2014	14.561	15.019	37
12/31/2015		15.727		15.122	453	12/31/2015	15.019	14.355	44

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

78

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 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
12/31/2014		15.314		16.879	1724	12/31/2014	14.235	15.596	84
12/31/2015		16.879		17.487	1476	12/31/2015	15.596	16.062	89
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
12/31/2014		11.881		11.942	53435	12/31/2014	11.483	11.473	2624
12/31/2015		11.942		11.658	47737	12/31/2015	11.473	11.134	2355
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
12/31/2014		17.580		19.562	10	12/31/2014	16.170	17.887	18
12/31/2015		19.562		19.677	9	12/31/2015	17.887	17.884	18
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
12/31/2014		13.235		13.697	851	12/31/2014	12.635	12.998	48
12/31/2015		13.697		13.504	707	12/31/2015	12.998	12.739	46
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
12/31/2014		12.434		12.906	2635	12/31/2014	11.969	12.349	113
12/31/2015		12.906		12.761	2428	12/31/2015	12.349	12.137	106
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
12/31/2014		11.003		11.159	280	12/31/2014	10.582	10.668	79
12/31/2015		11.159		10.320	262	12/31/2015	10.668	9.807	74

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

79

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
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
12/31/2014		62.962		64.952	3086	12/31/2014	54.206	55.586	145
12/31/2015		64.952		59.531	2788	12/31/2015	55.586	50.641	113
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
12/31/2014		28.376		29.974	1115	12/31/2014	25.600	26.880	64
12/31/2015		29.974		28.099	939	12/31/2015	26.880	25.047	49
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
12/31/2014		29.615		30.191	1790	12/31/2014	25.517	25.858	135
12/31/2015		30.191		29.913	1837	12/31/2015	25.858	25.466	129
JPMorgan Insurance Trust Core Bond Portfolio
12/31/2014		N/A		13.501	39	12/31/2014	N/A	12.839	0
12/31/2015		13.501		13.429	252	12/31/2015	12.839	12.694	28
MFS VIT Total Return Bond Portfolio
12/31/2014		N/A		17.752	116	12/31/2014	N/A	16.254	75
12/31/2015		17.752		17.404	246	12/31/2015	16.254	15.840	59
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
12/31/2014		16.192		16.042	8033	12/31/2014	15.278	15.047	387
12/31/2015		16.042		14.397	6840	12/31/2015	15.047	13.423	324
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
12/31/2014		9.700		7.802	712	12/31/2014	9.207	7.362	93
12/31/2015		7.802		5.716	702	12/31/2015	7.362	5.361	85

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

80

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
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
12/31/2014		16.482		16.500	3111	12/31/2014	15.645	15.569	198
12/31/2015		16.500		15.905	3406	12/31/2015	15.569	14.918	174
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
12/31/2014		9.814		9.533	3065	12/31/2014	9.658	9.325	173
12/31/2015		9.533		8.928	3278	12/31/2015	9.325	8.860	176
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
12/31/2014		13.077		13.187	1692	12/31/2014	12.413	12.443	149
12/31/2015		13.187		12.479	1599	12/31/2015	12.443	11.705	130
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
12/31/2014		10.389		10.726	8569	12/31/2014	10.131	10.397	396
12/31/2015		10.726		10.562	7586	12/31/2015	10.397	10.176	355
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
12/31/2014		9.477		9.802	2720	12/31/2014	9.382	9.646	82
12/31/2015		9.802		9.563	2614	12/31/2015	9.646	9.355	87
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
12/31/2014		20.195		20.581	10547	12/31/2014	18.576	18.818	562
12/31/2015		20.581		19.961	10596	12/31/2015	18.818	18.142	452

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

81

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
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
12/31/2014			14.863		15.111	7682	12/31/2014	13.941		14.088	510
12/31/2015			15.111		14.498	7434	12/31/2015	14.088		13.436	431
PIMCO VIT StocksPLUS Global 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
12/31/2014			12.357		12.295	1053	12/31/2014	12.087		11.955	67
12/31/2015			12.295		11.031	908	12/31/2015	11.955		10.662	64
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
12/31/2014			19.825		20.387	14209	12/31/2014	18.236		18.640	845
12/31/2015			20.387		20.194	13664	12/31/2015	18.640		18.354	733
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
12/31/2014			10.154		10.318	7429	12/31/2014	9.993		10.093	157
12/31/2015			10.318		10.003	6624	12/31/2015	10.093		9.726	154
RCM Dynamic Multi-Asset Plus VIT Portfolio
12/31/2015		N/A			9.201	93	12/31/2015		N/A	9.163	8
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
12/31/2014			49.776		49.984	5829	12/31/2014	43.031		42.952	298
12/31/2015			49.984		47.167	5808	12/31/2015	42.952		40.289	266
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
12/31/2014			32.491		31.138	864	12/31/2014	28.849		27.482	40
12/31/2015			31.138		28.713	704	12/31/2015	27.482		25.190	32

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix B

82

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

These calculations show the effects of partial withdrawals and lifetime payments on the Contract's values. All fractional numbers in these examples have been rounded up to the next whole number.

Partial withdrawals (including Partial Annuitizations and withdrawal charges, but not amounts we withdraw for other Contract charges) reduce the Contract Value on a dollar for dollar basis, and reduce all of the guaranteed values by the percentage of Contract Value withdrawn.

The following example shows the effect on the available guaranteed values assuming a Contract with a $90,000 initial Purchase Payment and a $5,000 free partial withdrawal (before beginning any Lifetime Plus Payments or Income Focus Payments) when the Contract Value and Rider Anniversary Value are $100,000, Benefit Base is $104,040, and Quarterly Anniversary Value is $102,000.

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 Payments under Income Protector and Income Focus Payments under Income Focus reduce the Contract Value on a dollar for dollar basis and reduce other benefits guaranteed values by the percentage of Contract Value withdrawn. However, Lifetime Plus Payments do not reduce the Benefit Base and Income Focus Payments do not reduce Income Values.

The following example shows the effect of taking the annual maximum payment on your Contract under Income Protector or Income Focus if you are the sole Covered Person. For Income Protector, assume you begin payments at age 62 when the Contract Value is $97,000, the Benefit Base is $120,000, and the annual maximum Lifetime Plus Payment is $4,800 (4% of the $120,000 Benefit Base). For Income Focus, assume you begin payments when your Income Value Percentage is 6.25% and the annual maximum Income Focus Payment is $5,344 (6.25% of the $85,500 Income Value).

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

An Excess Withdrawal is a withdrawal you take while you are receiving Lifetime Plus Payments or Income Focus Payments, that when added to any other withdrawals taken during the Benefit Year and your annual actual payment, is greater than your current annual maximum lifetime payment. Partial Excess Withdrawals (including withdrawal charges, but not amounts we withdraw for other Contract charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce all of the guaranteed values by the percentage of Contract Value withdrawn. Partial Excess Withdrawals also reduce the annual maximum Lifetime Plus Payment or annual maximum Income Focus Payment on the next Benefit Anniversary.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix C

83

Continuing from the annual maximum payment example, assume you take a $5,000 partial Excess Withdrawal later in the first Benefit Year when the Contract Value is $92,000.

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

Version A Contracts that were issued on or prior to April 29, 2011 offered three different Lifetime Benefits. Lifetime Plus Benefit was available from May 1, 2007 through January 23, 2009. Lifetime Plus II Benefit was available from November 12, 2007 through March 31, 2009. Lifetime Plus 10 Benefit was available from July 17, 2008 through March 31, 2009. The additional M&E charge for these benefits during the Accumulation Phase is as follows. There is no additional M&E charge for these benefits during the Annuity Phase.

Optional Lifetime Benefits		Contract Version	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 - 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 Benefit Lifetime Plus 10 Benefit	A A	1/26/2009 - 3/31/2009 1/26/2009 - 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 Benefit Lifetime Plus 10 Benefit	A A	11/12/2007 - 1/23/2009 7/17/2008 - 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) For Contracts issued in Nevada, the additional M&E charge is 0.70% for single payments and 0.85% for joint payments and this charge will not change. In all other states, 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%.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Except as specified in this appendix, the same terms and conditions apply to each Lifetime Benefit. We designed Lifetime Plus Payments to last for the lifetime of the Covered Person(s). If all Covered Persons die or are removed from the Contract before Lifetime Plus Payments begin, your Lifetime Benefit ends and payments are not available to you. In the case of non-spouse Joint Owners, if a Joint Owner dies before payments begin, this benefit ends and payments are not available to you even if the Covered Person is still alive. You can begin payments immediately if the Covered Person(s) meet the minimum exercise age requirement (see "Requesting Lifetime Plus Payments"). You choose your payment frequency and amount subject to an annual maximum. Once established, the annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) can increase, but it cannot decrease unless you take an Excess Withdrawal.

There are several important points to note about Lifetime Benefits.

· 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.

· 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.

NOTE:

· 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.

REMOVING A LIFETIME BENEFIT

You can remove a Lifetime Benefit from your Contract before Lifetime Plus Payments begin.

You can remove a Lifetime Benefit by completing the appropriate form. We remove your benefit from your Contract on the Contract Anniversary (or on the next Business Day if the Contract Anniversary is not a Business Day) that occurs immediately after we receive your request in Good Order at our Service Center, and the rider termination date is that Contract Anniversary. For the request to be in Good Order, we must receive this form no earlier than 30 days before a Contract Anniversary, and no later than 4 p.m. Eastern Time on the last Business Day before the Contract Anniversary. On the rider termination date, we no longer assess the Lifetime Benefit's additional M&E charge, and the restrictions on Contract Value allocations and transfers no longer apply. Because the total M&E charge for the Contract changes, we adjust the number of accumulation units so that the Contract Value on the rider termination date remains the same. Because the performance of the Investment Options causes the accumulation unit values to fluctuate, the adjustment to the number of accumulation units may be positive or negative.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Although you cannot remove a Lifetime Benefit on or after the Benefit Date, you can end your selected benefit by:

· 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.

COVERED PERSON(S)

We base Lifetime Plus Payments on the lives of the Covered Person(s). Their ages determined availability of the benefit, when lifetime payments can begin and the Lifetime Plus Payment percentage. When you selected a benefit, you chose whether you wanted payments based on your life (single Lifetime Plus Payments), or the lifetime of you and your spouse (joint Lifetime Plus Payments). However, 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; and joint Lifetime Plus Payments are not available under Lifetime Plus 10 Benefit if there is more than a 25-year age difference between spouses. Based on your payment selection, we determine the Covered Persons as follows.

For single Lifetime Plus Payments and:

· 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.

You cannot add or replace a Covered Person. However, you can remove a joint Covered Person before the Benefit Date on a Contract Anniversary, or after the Benefit Date on a Benefit Anniversary by completing the appropriate form and sending it to us within 30 days before the anniversary. We process your request on the Contract Anniversary* (or Benefit Anniversary) that occurs immediately after we receive your request in Good Order at our Service Center. Removing a joint Covered Person does not change Lifetime Plus Payments, but it may change your M&E charge. For Contracts issued in Nevada, if you remove a joint Covered Person we change your additional M&E charge to 0.70% for Lifetime Plus Benefit with single Lifetime Plus Payments. For Contracts issued in all other states, if you remove a joint Covered Person we reserve the right to declare a new additional M&E charge. Any new additional M&E charge cannot be greater than the maximum for your Lifetime Benefit with single Lifetime Plus Payments stated at the beginning of this appendix. If we change the additional M&E charge, we adjust the number of accumulation units so that the Contract Value on the anniversary that we process your request remains the same. Because the performance of the Investment Options causes the accumulation unit values to fluctuate, the adjustment to the number of accumulation units may be positive or negative.

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

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Once we remove a Covered Person, he or she cannot be reinstated.

NOTE:

· 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.

LIFETIME PLUS PAYMENT OVERVIEW

We base your initial Lifetime Plus Payment on the Benefit Base and payment percentage. When payments begin (on the Benefit Date), the Benefit Base is the greater of:

· 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).

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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We determine your payment percentage by using the Lifetime Plus Payment Table for your selected benefit. We established your Contract's Lifetime Plus Payment Table on the rider effective date and we cannot change it.

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

In all states except Nevada, the annual maximum Lifetime Plus Payment is the amount you are entitled to receive each year, but you can choose to take less. In Nevada you cannot choose to take less than the annual Lifetime Plus Payment. Your annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) may increase based on the Covered Person's age and/or if the Contract Value increases. However, your payment does not increase annually just as a result of the Covered Person moving into a new age band; the result of the current Contract Value multiplied by the increased payment percentage must be greater than your current annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) for your payment to increase. For more information, see the "Automatic Annual Lifetime Plus Payment Increases."

BENEFIT BASE

The Benefit Base determines your initial annual maximum Lifetime Plus Payment (or initial annual Lifetime Plus Payment in Nevada). The greater the Benefit Base, the greater the initial annual maximum Lifetime Plus Payment (or initial annual Lifetime Plus Payment for Contracts issued in Nevada).

On the rider effective date, and on each Business Day before the Benefit Date, the Benefit Base is equal to the greatest of:

· 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.

On the Benefit Date, we compare your Benefit Base to the Contract Value using the values determined at the end of the prior Business Day and increase your Benefit Base to equal this Contract Value if it is greater.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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On and after the Benefit Date, your Benefit Base only changes if you take an Excess Withdrawal, or we increase your annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada). Excess Withdrawals reduce your Benefit Base by the percentage of Contract Value withdrawn, determined at the end of the Business Day we process the withdrawal. An annual payment increase may increase or decrease your Benefit Base at the end of the last Business Day before a Benefit Anniversary as follows.

· 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.

NOTE: For Bonus Option Contracts, bonus amounts are not included in the parts of the Quarterly Anniversary Value, 5% Annual Increase, Enhanced 5% Annual Increase, Enhanced 10-Year Value or 10% Annual Increase that are based on Purchase Payments, and are also not included in the parts of these values that are based on Contract Value until they are vested.

QUARTERLY ANNIVERSARY VALUE

While your Lifetime Benefit is in effect, we only calculate the Quarterly Anniversary Value before the Benefit Date.

If the rider effective date is the Issue Date, the Quarterly Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. If the rider effective date occurs after the Issue Date, the Quarterly Anniversary Value is initially equal to the Contract Value at the end of the prior Business Day.

At the end of each Business Day, we adjust the Quarterly Anniversary Value as follows.

· 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.

On each Quarterly Anniversary, we compare the Quarterly Anniversary Value to the Contract Value using the values determined at the end of the prior Business Day and increase the Quarterly Anniversary Value to equal this Contract Value if it is greater.

LIFETIME PLUS BENEFIT AND LIFETIME PLUS II BENEFIT VALUE DIFFERENCES

The primary difference between the benefit values provided by the Lifetime Plus Benefit and Lifetime Plus II Benefit is the reset feature. Resets occur on Contract Anniversaries and lock in any Contract Value increases to the values provided by the 5% Annual Increase, Enhanced 5% Annual Increase and Enhanced 10-Year Value. Resets under Lifetime Plus Benefit are manual (you must request them), are only available before age 81, and replace the prior 5% Annual Increase and Enhanced 10-Year Value. Resets under Lifetime Plus II Benefit are automatic, can occur until age 90, and do not replace prior values; each automatic reset establishes both a new Enhanced 5% Annual Increase and Enhanced 10-Year Value. Other than that, the calculation for the 5% Annual Increase and Enhanced 5% Annual Increase is the same. The Highest Annual Increase under the Lifetime Plus II Benefit is the greatest of all the Enhanced 5% Annual Increases.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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5% ANNUAL INCREASE AND ENHANCED 5% ANNUAL INCREASE

While your Lifetime Plus Benefit or Lifetime Plus II Benefit is in effect, we only calculate the 5% Annual Increase or Enhanced 5% Annual Increase (the annual increases) before the Benefit Date.

If the rider effective date is the Issue Date, the annual increases are initially equal to the Purchase Payment received on the Issue Date. If the rider effective date occurs after the Issue Date, the annual increases are initially equal to the Contract Value at the end of the prior Business Day.

At the end of each Business Day before the tenth Rider Anniversary (or tenth reset anniversary), we adjust each annual increase as follows.

· 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.

On the first Rider Anniversary (or first reset anniversary), each annual increase is equal to:

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.

On the second through ninth Rider Anniversaries (or second through ninth reset anniversaries), each annual increase is equal to:

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.

On each Business Day on or after the tenth Rider Anniversary (or tenth reset anniversary), each annual increase is equal to the Enhanced 10-Year Value established on the same date.

NOTE: To receive the maximum benefit, you must wait to begin Lifetime Plus Payments until the 11th Contract Anniversary after we receive your last Purchase Payment, or the 11th reset anniversary. If the older Covered Person was age 80 on the rider effective date and you want to receive this maximum benefit, you have less than one year to begin Lifetime Plus Payments after this waiting period before the benefit ends.

ENHANCED 10-YEAR VALUE

While your Lifetime Plus Benefit or Lifetime Plus II Benefit is in effect, we only calculate the Enhanced 10-Year Values before the Benefit Date.

The Enhanced 10-Year Value acts as both an increase and a cap to the annual increases. If you begin Lifetime Plus Payments on or after the tenth Rider Anniversary (or on or after the tenth reset anniversary), the Enhanced 10-Year Value is at least equal to twice its initial value, which is either the initial Purchase Payment or Contract Value depending on when you selected the benefit and any resets. Before the tenth Rider Anniversary (or tenth reset anniversary), we do not use the Enhanced 10-Year Value to calculate the Benefit Base that determines your Lifetime Plus Payments.

If the rider effective date is the Issue Date, the Enhanced 10-Year Value is initially equal to twice the Purchase Payment received on the Issue Date. If the rider effective date occurs after the Issue Date, the Enhanced 10-Year Value is initially equal to twice the Contract Value at the end of the prior Business Day.

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At the end of each Business Day we adjust each Enhanced 10-Year Value as follows.

· 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.

If the rider effective date is the Issue Date and there has not been a reset, then on the first Contract Anniversary the Enhanced 10-Year Value is equal to:

· 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.

On the eleventh and later Rider Anniversaries (or eleventh and later reset anniversaries) each Enhanced 10-Year Value is equal to:

· 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.

NOTE: If the older Covered Person was age 80 on the rider effective date, any Purchase Payments received more than 91 days after the rider effective date do not double under the Enhanced 10-Year Value before your Lifetime Benefit ends.

MANUAL RESETS UNDER LIFETIME PLUS BENEFIT

While your Lifetime Plus Benefit is in effect, and before the older Covered Person's 81st birthday or the Benefit Date, you can reset the 5% Annual Increase to equal the Contract Value if the Contract Value is greater than the sum of the 5% Annual Increase on the most recent Contract Anniversary plus 5% of all Purchase Payments received during the last Contract Year (excluding Purchase Payments received before the first Quarterly Anniversary if this is the first Contract Anniversary). You can request a reset within 30 days following a Contract Anniversary by completing the appropriate form. We process your reset request as of the immediately preceding Contract Anniversary (reset date) once we receive your request in Good Order at our Service Center. If the reset date does not fall on a Business Day, we process your request on the next Business Day. When we process your reset request, we change the 5% Annual Increase to equal the Contract Value determined at the end of the last Business Day before the reset date. We also increase the Enhanced 10-Year Value to equal two times the Contract Value determined at the end of the last Business Day before the reset date.

For Contracts issued in Nevada, if you reset the 5% Annual Increase we do not change Lifetime Plus Benefit's additional M&E charge. For Contracts issued in all other states, for a manual reset requested on or after April 29, 2013, the current additional M&E charge is 1.20% for single Lifetime Plus Payments and 1.35% for joint Lifetime Plus Payments. We reserve the right to change the additional M&E charge for a manual reset in the future, but any new additional M&E charge cannot be greater than the maximum stated at the beginning of this appendix. Any M&E charge change occurs on the 30th day after the reset date, or the next Business Day if the 30th day is not a Business Day. If we change the additional M&E charge, we simultaneously adjust the number of accumulation units so that the Contract Value remains the same. Because Investment Option performance changes accumulation unit values, this adjustment may be positive or negative.

AUTOMATIC RESETS UNDER LIFETIME PLUS II BENEFIT

While your Lifetime Plus II Benefit is in effect, and before the older Covered Person's 81st birthday or Benefit Date, we automatically reset the Enhanced 5% Annual Increase to equal the Contract Value if twice the Contract Value is greater than the most recently established Enhanced 10-Year Value plus all Purchase Payments received within the previous ten Contract Years, but received on or after the most recent reset date, excluding Purchase Payments received within 90 days of the Issue Date. This reset establishes a new additional Enhanced 5% Annual Increase equal to the Contract Value determined at the end of the last Business Day before the reset date. We also establish a new additional Enhanced 10-Year Value equal to two times the Contract Value determined at the end of the last Business Day before the reset date. An automatic reset does not cancel any previously established Enhanced 5% Annual Increases or their associated Enhanced 10-Year Values. Resets can establish several Enhanced 5% Annual Increases and associated Enhanced 10-Year Values. We continue to calculate all previously established Enhanced 5% Annual Increases and Enhanced 10-Year Values and use them to determine the Highest Annual Increase.

For an automatic reset that occurs on or after April 29, 2013, the current additional M&E chargeis 1.20% for single Lifetime Plus Payments and 1.35% for joint Lifetime Plus Payments. We reserve the right to change the additional M&E charge for an automatic reset in the future, but any new additional M&E charge cannot be greater than the maximum stated for the Lifetime Plus II Benefit at the beginning of this appendix. We send you written notice of this increase to your additional M&E charge and provide you at least 30-days to decline the reset. If you decline the reset, you will not receive any future automatic resets, but you keep all previous resets (including this reset) and their associated Enhanced 5% Annual Increases and Enhanced 10-Year Values. If you do not contact us and decline this increase to the additional M&E charge during the 30-day notice period, we assume you have accepted the increase and we change the additional M&E charge on the 60th day after the reset date, or on the next Business Day if the 60th day is not a Business Day. If you accept this increase, you continue to be eligible to receive future resets.

If we change Lifetime Plus II Benefit's additional M&E charge, we simultaneously adjust the number of accumulation units so that the Contract Value remains the same. Because Investment Option performance changes accumulation unit values, this adjustment may be positive or negative.

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LIFETIME PLUS 10 BENEFIT'S 10% ANNUAL INCREASE

While your Lifetime Plus 10 Benefit is in effect, we only calculate the 10% Annual Increase before the Benefit Date.

On each Quarterly Anniversary for up to a maximum of 20 years, we apply a simple interest increase of 2.5% to the Purchase Payments adjusted for withdrawals (or the Contract Value on the rider effective date, if applicable). Next, we compare this value to the Contract Value and increase it to equal the Contract Value if the Contract Value is greater (reset). We then apply any future simple interest increases to the reset value. Contract Value resets occur during the entire period we calculate the Annual Increase, and are not subject to the 20 year maximum. A reset may result in an increase to the additional M&E charge as described later in this appendix.

If the rider effective date is the Issue Date, both the 10% Annual Increase and increase base are initially equal to the Purchase Payment received on the Issue Date. If the rider effective date occurs after the Issue Date, both the 10% Annual Increase and increase base are initially equal to the Contract Value at the end of the prior Business Day.

At the end of each Business Day, we adjust both the 10% Annual Increase and increase base as follows.

· 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.

On each Quarterly Anniversary on or before the 20th Rider Anniversary, the 10% Annual Increase is equal to:

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.

We then compare this 10% Annual Increase to the Contract Value at the end of the prior Business Day and increase both the 10% Annual Increase and the increase base to equal this Contract Value if it is greater. As previously stated, these resets can occur during the entire period we calculate the 10% Annual Increase.

For a reset that occurs on or after April 29, 2013, the current additional M&E chargeis 1.20% for single Lifetime Plus Payments and 1.35% for joint Lifetime Plus Payments. We reserve the right to change this additional M&E charge for a reset in the future, but any new additional M&E charge cannot be greater than the maximum stated for the Lifetime Plus 10 Benefit at the beginning of this appendix.We send you written notice of this increase to your additional M&E charge and provide you at least 30-days to decline the reset. If you decline the reset, you will not receive any future automatic resets, but you keep all previous resets (including this reset). If you do not contact us and decline the increase to the additional M&E charge during the 30-day notice period, we assume you have accepted the increase and we changethe additional M&E charge on the 60th day after the reset date, or on the next Business Day if the 60th day is not a Business Day. If you accept an increase to Lifetime Plus 10 Benefit's additional M&E charge, then you continue to be eligible to receive future resets.

If we change Lifetime Plus 10 Benefit's additional M&E charge, we simultaneously adjust the number of accumulation units so that the Contract Value remains the same. Because Investment Option performance changes accumulation unit values, this adjustment may be positive or negative.

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REQUESTING LIFETIME PLUS PAYMENTS

You request Lifetime Plus Payments by completing a payment election form. Lifetime Plus Payments begin on the Benefit Date, which must be either the 1st or 15th of a calendar month. Your Benefit Date is the next available date that occurs at least 15 calendar days after we receive your request in Good Order at our Service Center. At least one Covered Person must be alive on the Benefit Date in order for Lifetime Plus Payments to begin. You cannot submit this form until the younger Covered Person reaches the exercise age, or once the older Covered Person reaches age 91. The exercise age for Lifetime Plus Benefit and Lifetime Plus II Benefit is age 50, and for Lifetime Plus 10 Benefit it is age 65.

You can receive Lifetime Plus Payments semi-monthly, monthly, quarterly, semi-annually, or annually. If the scheduled payment date does not fall on a Business Day, we make the payment on the next Business Day.

You can change your payment frequency once each Benefit Year while your Contract Value is positive*. Once your Contract Value reduces to zero, you receive your maximum Lifetime Plus Payment at the previous selected payment frequency. You must provide notice of any requested payment frequency change to our Service Center at least 30 days before the Benefit Anniversary. If the change is available, we implement it on the Benefit Anniversary and it remains in effect until the benefit ends or you request another change.

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

We will begin making payments to you automatically without your request if your Contract Value reduces to zero for any reason other than a withdrawal or annuitization while this benefit is in effect and before the Benefit Date. In this instance we calculate your annual maximum Lifetime Plus Payment and begin making annual payments to you on the next available Benefit Date.

If the Benefit Date has not occurred six months before the older Covered Person reaches age 91, we send you written notice that the benefit is about to end. If the benefit ends before Lifetime Plus Payments begin, you will have paid for the benefit without receiving any of its advantages.

Once Lifetime Plus Payments begin:

· 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.

NOTE: If the older Covered Person was age 80 on the rider effective date, we extend the latest available Benefit Date by 30 calendar days in order to allow you to receive the maximum benefit from the Benefit Base values.

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CALCULATING YOUR LIFETIME PLUS PAYMENTS

The annual maximum Lifetime Plus Payment is the amount you are entitled to receive each Benefit Year for Contracts issued in all states except Nevada. For Contracts issued in Nevada, the Cumulative Withdrawal Benefit is not available and the amount you are entitled to receive each Benefit Year is the annual Lifetime Plus Payment. On the Benefit Date, the initial annual maximum Lifetime Plus Payment (or initial annual Lifetime Plus Payment in Nevada) is equal to the Benefit Base multiplied by the current payment percentage, determined by using the Lifetime Plus Payment Table (see "Lifetime Plus Payment Overview" earlier in this appendix). On the Benefit Date, if your initial annual maximum Lifetime Plus Payment (or initial annual Lifetime Plus Payment in Nevada)is less than $100, your benefit ends without receiving any of its advantages. For example, assuming a 4% initial payment percentage, if you take withdrawals that reduce the Benefit Base to less than $2,200, this would result in an initial Lifetime Plus Payment of less than $100.

For Contracts issued in all states except Nevada, the annual maximum Lifetime Plus Payment is the amount you are entitled to, but the Cumulative Withdrawal Benefit allows you to take less. The annual actual Lifetime Plus Payment is the total amount you choose to receive each year. Each Lifetime Plus Payment you receive is equal to the annual actual Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) divided by the number of payments you chose to receive during the Benefit Year. The initial actual Lifetime Plus Payment must either be zero, or at least $100. For Contracts issued in Nevada, the initial Lifetime Plus Payment must be least $100.

We deduct each Lifetime Plus Payment, Cumulative Withdrawal,* Excess Withdrawal, and any additional payments resulting from a required minimum distribution, proportionately from the Investment Options. We continue to rebalance the Contract Value quarterly among the Investment Options according to your future Purchase Payment allocation instructions while your benefit is in effect. You can also continue to make transfers between the Investment Options while your benefit is in effect, subject to the restrictions set out in section 5, Investment Options – Transfers Between Investment Options, and the "Investment Option Allocation and Transfer Restrictions" discussion later in this appendix.

* The Cumulative Withdrawal Benefit was not available in Nevada.

If your Contract Value reduces to zero for any reason other than an Excess Withdrawal or Full Annuitization, then Lifetime Plus Payments continue until the deaths of all Covered Persons.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Cumulative Withdrawal Benefit for Contracts issued in all states except Nevada

Cumulative Withdrawal Benefit allows you to control the amount of actual Lifetime Plus Payment you receive. Any part of your annual maximum Lifetime Plus Payment that you do not withdraw in a given Benefit Year is added to the Cumulative Withdrawal Value, which is available to you upon request. Cumulative Withdrawal Benefit is automatically part of your Lifetime Benefit and has no additional fee or charge.

You can change the amount of your actual Lifetime Plus Payment once each Benefit Year while your Contract Value is positive. You must provide notice of any requested change to your actual Lifetime Plus Payment amount to our Service Center at least 30 days before the Benefit Date or Benefit Anniversary (as applicable). If the change is available, we implement it on the Benefit Date or Benefit Anniversary and it remains in effect until you request another change, your Contract Value reduces to zero, or your benefit ends. Once your Contract Value reduces to zero you must take the maximum Lifetime Plus Payment at your previously selected payment frequency.

The Cumulative Withdrawal Value is the total of all annual maximum Lifetime Plus Payments that you did not take. The Cumulative Withdrawal Value does not earn interest and it does not increase or decrease with your selected Investment Options' performance. It only increases when you take less than your annual maximum Lifetime Plus Payment and it only decreases when you take a Cumulative Withdrawal. The Cumulative Withdrawal Value remains in your Contract until you take a Cumulative Withdrawal. The Cumulative Withdrawal Value is not available to your Beneficiaries upon death, unless your Beneficiary is your spouse, a joint Covered Person and continues the Contract.

You can take withdrawals from your Cumulative Withdrawal Value at any time. Any portion of a withdrawal you take on or after the Benefit Date that is less than or equal to your Cumulative Withdrawal Value is a Cumulative Withdrawal, and any portion that is greater than your Cumulative Withdrawal Value is an Excess Withdrawal. Each Cumulative Withdrawal must be at least $100, or your entire Cumulative Withdrawal Value.

Cumulative Withdrawals are not subject to a withdrawal charge and do not reduce your Withdrawal Charge Basis. Each Cumulative Withdrawal reduces your Contract Value and Cumulative Withdrawal Value on a dollar for dollar basis, and reduces the portion of the Traditional Death Benefit value that is based on Purchase Payments (or the portion of the Quarterly Value Death Benefit value that is based on the Quarterly Anniversary Value, if applicable) by the percentage of Contract Value withdrawn.

If your Contract Value reduces to zero for any reason other than an Excess Withdrawal, we send you any remaining Cumulative Withdrawal Value and your Cumulative Withdrawal Benefit ends. Otherwise your Cumulative Withdrawal Benefit ends when your Lifetime Benefit ends.

Excess Withdrawals

Your annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) only decreases if you take an Excess Withdrawal. For Contracts issued in Nevada, an Excess Withdrawal is a withdrawal you take on or after the Benefit Date in addition to your Lifetime Plus Payments. For Contracts issued in all other states, an Excess Withdrawal is any portion of a withdrawal you take on or after the Benefit Date that is greater than your Cumulative Withdrawal Value. Excess Withdrawals include any applicable withdrawal charge.

Any partial Excess Withdrawal must comply with the restrictions in section 8, Access to Your Money and the following provisions. If your Contract Value is less than $2,000, you can only withdraw the total remaining Contract Value. Also, if at the end of the Business Day that we process your Excess Withdrawal your Contract Value is less than $2,000, you must withdraw the total remaining Contract Value. We also review how each partial Excess Withdrawal would hypothetically reduce your current annual maximum Lifetime Plus Payment. On the Business Day you take a partial Excess Withdrawal, if the current Benefit Base (after reduction for the Excess Withdrawal) multiplied by the age-based payment percentage as of the prior Benefit Anniversary is less than $100, you must withdraw the total remaining Contract Value. If you take an Excess Withdrawal of the total remaining Contract Value your entire Contract ends.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Excess Withdrawals reduce your annual maximum Lifetime Plus Payment on the next Benefit Anniversary after the withdrawal by the percentage of Contract Value withdrawn, determined at the end of the Business Day we process each withdrawal.

NOTE:

· 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.

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AUTOMATIC ANNUAL LIFETIME PLUS PAYMENT INCREASES

We may change your annual maximum Lifetime Plus Payment (or annual Lifetime Plus Payment in Nevada) on each Benefit Anniversary before the older Covered Person reaches age 91 as follows.

· 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).

ForContracts issued in all states except Nevada: If your actual Lifetime Plus Payment is an exact dollar amount, an automatic annual payment increase does not increase your actual payment. However, if your actual Lifetime Plus Payment is a percentage of your annual maximum Income Advantage Payment, an automatic annual payment increase does increase your actual payment.

For Contracts issued in Nevada, if you receive an annual Lifetime Plus Paymentincrease we do not change the Lifetime Plus Benefit's additional M&E charge. For Contracts issued in all other states, if you receive an annual Lifetime Plus Payment increase we increase the current additional M&E charge on the next fifth Benefit Anniversary (for example, on the fifth, tenth and fifteenth Benefit Anniversaries)that occurs on or after April 29, 2013to 1.20% for single Lifetime Plus Payments and 1.35% for joint Lifetime Plus Payments. We reserve the right to change the additional M&E charge for an annual payment increase in the future, but any new additional M&E charge cannot be greater than the maximum stated for your Lifetime Benefit at the beginning of this appendix.We send you written notice of this increase and provide you at least 30-days to decline the annual payment increase. If you decline the annual payment increase, you will not receive any future annual Lifetime Plus Payment increases, but you keep all previous increases (including this increase). If you do not contact us and decline the increase to the additional M&E charge during the 30-day notice period, we assume you have accepted the increase and we change the additional M&E charge on the 60th day after the current fifth Benefit Anniversary, or on the next Business Day if the 60th day is not a Business Day. If you accept an increase to your Lifetime Benefit's additional M&E charge, then you continue to be eligible to receive future annual Lifetime Plus Payment increases.

If we change your Lifetime Benefit's additional M&E charge, we simultaneously adjust the number of accumulation units so that the Contract Value remains the same. Because Investment Option performance changes accumulation unit values, this adjustment may be positive or negative.

NOTE: Automatic annual Lifetime Plus Payment increases are not available once the older Covered Person reaches age 91, or on or after the Business Day your Contract Value reduces to zero.

INVESTMENT OPTION ALLOCATION AND TRANSFER RESTRICTIONS AND QUARTERLY REBALANCING

Under your Lifetime Benefit, we restrict your Investment Option selection. When you selected your benefit, you agreed to allow us to rebalance your Contract Value quarterly, as described here. We put these restrictions in place to support your Lifetime Benefit's guarantees and not to meet your investment objectives. To the extent these restrictions limit your investment flexibility, they may limit the upside potential to your Investment Option returns, which may limit your Contract Value and Benefit Base. We established your Contract's Investment Option allocation and transfer restrictions on the rider effective date and we cannot change them.

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: We require you to allocate 100% of your total Contract Value to Investment Option Group C.

If your rider effective date is before January 26, 2009:

· 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 Emerging Markets Equity Index Fund AZL Morgan Stanley Global Real Estate Fund AZL Small Cap Stock Index Fund	Davis VA Financial Portfolio Franklin Founding Funds Allocation VIP Fund PIMCO 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 Growth Index Strategy Fund and Franklin Founding Funds Allocation VIP Fund.

Group B Investment Options
AZL International Index Fund AZL Mid Cap Index Fund AZL Russell 1000 Growth Index Fund AZL Russell 1000 Value Index Fund AZL S&P 500 Index Fund	Franklin Mutual Shares VIP Fund PIMCO VIT StocksPLUS® Global Portfolio Templeton Growth VIP Fund

Group C Investment Options

AZL Balanced Index Strategy Fund AZL DFA Multi-Strategy Fund AZL Gateway Fund AZL Government Money Market Fund AZL Moderate Index Strategy Fund AZL MVP Balanced Index Strategy Fund AZL MVP Fusion Dynamic Balanced Fund AZL MVP Fusion Dynamic Conservative Fund AZL MVP Fusion Dynamic Moderate Fund AZL MVP Growth Index Strategy Fund AZL Pyramis Multi-Strategy Fund AZL Pyramis Total Bond Fund AZL T. Rowe Price Capital Appreciation Fund

BlackRock Global Allocation V.I. Fund Fidelity VIP FundsManager 50% Portfolio Fidelity VIP FundsManager 60% Portfolio Franklin Income VIP Fund Franklin U.S. Government Securities VIP Fund PIMCO VIT All Asset Portfolio PIMCO VIT Emerging Markets Bond Portfolio PIMCO VIT Global Advantage Strategy Bond Portfolio PIMCO VIT Global Bond Portfolio (Unhedged) PIMCO VIT Global Multi-Asset Managed Allocation Portfolio PIMCO VIT High Yield Portfolio PIMCO VIT Real Return Portfolio PIMCO VIT Total Return Portfolio PIMCO VIT Unconstrained Bond Portfolio Templeton Global Bond VIP Fund

We may add, remove or substitute Investment Options from this group. We secure all necessary SEC and other governmental approvals before removing or substituting an Investment Option. We may also move Investment Options from a more restrictive group to a less restrictive group, but we cannot move Investment Options the other way. We send you written notice regarding additions, removals or substitutions. When an Investment Option within a group is removed or substituted, we send your written notice 30 days before the removal or substitution date.

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While your Lifetime Benefit is in effect and your Contract Value is positive, we rebalance your Contract Value quarterly according to your future Purchase Payment allocation instructions. The rebalancing occurs at the end of the last Business Day before each Quarterly Anniversary. Your Investment Options' performance may cause your chosen allocations to shift. Quarterly rebalancing helps you maintain your selected allocation mix. There are no fees for the quarterly rebalancing transfers we make, and we do not count them against the free transfers we allow. To change this quarterly rebalancing, you must change your future Purchase Payment allocation instructions. Any requested change to these instructions must comply with the restrictions stated here or we reject your change.

WHEN A LIFETIME BENEFIT ENDS

Your Lifetime Benefit ends upon the earliest of the following.

· 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

Version A Contracts that were issued on or prior to April 29, 2011 offered two different Target Date Benefits. Target Date Retirement Benefit was available from March 17, 2008 through January 23, 2009. Target Date 10 Benefit was available from January 26, 2009 through March 31, 2009. The additional M&E charge for these benefits during the Accumulation Phase is as follows. There is no additional M&E charge for these benefits during the Annuity Phase.

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 - 1/23/2009	0.40%
Target Date 10 Benefit	A	1/26/2009 - 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.

NOTE:Your Contract refers to both of these benefits as "Target Date Retirement Benefit Rider." If your Contract has a minimum of ten Contract Years to the initial Target Value Date, then you have Target Date 10 Benefit; if the minimum is seven, you have Target Date Retirement Benefit.

Except as specified in this appendix, the same terms and conditions apply to each Target Date Benefit. Each Target Date Benefit provides, during the Accumulation Phase, a level of protection for your principal and any annual investment gains through the Target Value which is available at a future point you select, called the Target Value Date. The earliest initial Target Value Date you can select under Target Date 10 Benefit is the tenth Rider Anniversary and under Target Date Retirement Benefit it is the seventh Rider Anniversary. Each Rider Anniversary occurs on a Contract Anniversary. Additional Target Value Dates occur on every subsequent Rider Anniversary. The Target Value is only guaranteed to be available to you 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.

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There are several important points to note about Target Date Benefits.

· 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.

· 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.

· We no longer accept additional Purchase Payments for Contracts with a Target Date Benefit. If you have a Target Date Benefit you can also no longer participate in the flexible rebalancing program. However, for Contracts issued in Connecticut, Florida or New Jersey, these restrictions no longer apply once the benefit ends.

· 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.

REMOVING A TARGET DATE BENEFIT

You can remove a Target Date Benefit from your Contract while the Contract Value is positive.

You can remove a Target Date Benefit by completing the appropriate form. We remove your benefit from your Contract on the Contract Anniversary (or on the next Business Day if the Contract Anniversary is not a Business Day) that occurs immediately after we receive your request in Good Order at our Service Center, and the rider termination date is that Contract Anniversary. For the request to be in Good Order, we must receive this form no earlier than 30 days before a Contract Anniversary, and no later than 4 p.m. Eastern Time on the last Business Day before the Contract Anniversary. On the rider termination date, we no longer assess the Target Date Benefit's additional M&E charge, and the restrictions on Contract Value allocations and transfers no longer apply. Because the total M&E charge for the Contract changes, we adjust the number of accumulation units so that the Contract Value on the rider termination date remains the same. Because the performance of the Investment Options causes the accumulation unit values to fluctuate, the adjustment to the number of accumulation units may be positive or negative.

On the rider termination date, the restrictions on additional Purchase Payments and Contract Value allocations and transfers no longer apply.

TARGET VALUE DATES

Target Date Benefits guarantee that on each Target Value Date until the benefit ends, your Contract Value cannot be less than the Target Value (described next in this appendix). You selected the initial Target Value Date when you selected your benefit. The earliest available initial Target Value Date under Target Date Retirement Benefit is the seventh Rider Anniversary, and under Target Date 10 Benefit it is the tenth Rider Anniversary. The latest date under both benefits is the Rider Anniversary prior to the older Owner's 91st birthday (or the Annuitant's 91st birthday if the Owner is a non-individual). Additional Target Value Dates occur on each subsequent Rider Anniversary after the initial Target Value Date while your benefit is in effect.

For example, you purchased a Contract with Target Date Retirement Benefit as the sole Owner on September 1, 2009 and you were age 70. The earliest available initial Target Value Date is December 1, 2016 and the latest date is December 1, 2029. If you select the earliest available initial date (December 1, 2016), subsequent Target Value Dates would occur on December 1st in 2017, 2018, 2019, etc.

At the end of the last Business Day before each Target Value Date if your Contract Value is less than the Target Value, we increase your Contract Value to equal the Target Value and your Target Value becomes the Contract Value. The last Business Day before eachTarget Value Date is the only day that we guarantee your Contract Value equals the Target Value. We notify you in writing at least 30 days in advance of each Target Value Date outlining the options available to you. On the last Business Day before each Target Value Date you can continue your Contract or withdraw some or all of your Contract Value. You are not required to take a withdrawal at this time. Any withdrawal you do take is subject to any applicable withdrawal charge and additional federal tax.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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We allocate any Contract Value increase to your selected Investment Options based on the percentage of Contract Value in each Investment Option after we do quarterly Contract Value rebalancing. For tax purposes, we treat any Contract Value increase as earnings under the Contract. However, if the Contract Value on the last Business Day before each Target Value Date is less than net Purchase Payments (total Purchase Payments less any payments withdrawn) then we treat some or all of the increase as a Purchase Payment when applying the withdrawal charge if you withdraw the total Contract Value.

Initial Target Value Date Resets

You can reset the initial Target Value Date before the older Owner's 81st birthday (or the Annuitant's 81st birthday if the Owner is a non-individual). Resets are only available if the Contract Value is at least equal to the Target Value using the values determined at the end of the last Business Day before the Rider Anniversary that we process your reset request. The earliest new initial Target Value Date is seven Rider Anniversaries after we process your request under Target Date Retirement Benefit, or ten Rider Anniversaries after we process your request under Target Date 10 Benefit. The latest available initial Target Value Date is the Rider Anniversary prior to the older Owner's 91st birthday (or the Annuitant's 91st birthday if the Owner is a non-individual). You request a reset by completing the appropriate form. We process your request as of the immediately preceding Rider Anniversary (or on the next Business Day if the Rider Anniversary is not a Business Day) once we receive your request in Good Order at our Service Center. For the request to be in Good Order, we must receive this form within 30 days after a Rider Anniversary. If we receive your request outside this time period, we reject your request. The reset date is the Rider Anniversary that we process your request. On the reset date, we change the Target Value to equal the Contract Value determined at the end of the last Business Day before the reset date.

Initial Target Value Date resets may change the maximum amount you can allocate to your selected Investment Options, but a reset does not automatically change your allocations. To change your allocations on a reset, you must also change your future Purchase Payments allocation instructions and they must comply with the current maximum allowable allocations.

TARGET VALUE

The Target Value determines if you receive a Contract Value increase on each Target Value Date. We only calculate the Target Value while your benefit is in effect.

If the rider effective date is the Issue Date, the Target Value is initially equal to the Purchase Payment received on the Issue Date. If the rider effective date occurs after the Issue Date, the Target Value is initially equal to the Contract Value at the end of the prior Business Day. If you reset the initial Target Value Date, the Target Value is equal to the Contract Value at the end of the last Business Day before the reset date.

At the end of each Business Day, we adjust the Target Value as follows.

· 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.

On each Contract Anniversary, we compare the Target Value to the Contract Value using the values determined at the end of the prior Business Day and increase the Target Value to equal this Contract Value if it is greater.

NOTE: For Bonus Option Contracts,bonus amounts are not included in the parts of the Target Value based on Purchase Payments until they are vested, and are also not included in the parts of this value that are based on Contract Value.

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INVESTMENT OPTION ALLOCATION AND TRANSFER RESTRICTIONS AND QUARTERLY REBALANCING

Under your Target Date Benefit, we restrict your Investment Option selection. When you selected your benefit, you agreed to allow us to rebalance your Contract Value quarterly, as described here. We put these restrictions in place to support your Target Date Benefit's guarantees, and not to meet your investment objectives. To the extent these restrictions limit your investment flexibility, they may limit the upside potential to your Investment Option returns, which may limit your Contract Value and Target Value.

We established your Contract's Investment Option allocation and transfer restrictions on the rider effective date and we cannot change them. We may add, remove or substitute Investment Options from these groups. We secure all necessary SEC and other governmental approvals before removing or substituting an Investment Option. We may also move Investment Options from a more restrictive group to a less restrictive group, but we cannot move Investment Options the other way. We send you written notice regarding additions, removals or substitutions. When an Investment Option in one of these groups is removed or substituted, we send your written notice 30 days before the removal or substitution date.

TABLE 1: Investment Option Groups
Group A(1)
AZL Emerging Markets Equity Index Fund AZL Morgan Stanley Global Real Estate Fund AZL MVP Growth Index Strategy Fund AZL Small Cap Stock Index Fund	Davis VA Financial Portfolio Franklin Founding Funds Allocation VIP Fund PIMCO VIT CommodityRealReturn Strategy Portfolio
(1)If your rider effective date is before January 26, 2009: AZL MVP Growth Index Strategy 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 International Index Fund AZL Mid Cap Index Fund AZL Russell 1000 Growth Index Fund AZL Russell 1000 Value Index Fund AZL S&P 500 Index Fund AZL T. Rowe Price Capital Appreciation Fund	Franklin Mutual Shares VIP Fund PIMCO VIT StocksPLUS® Global Portfolio Templeton Growth VIP Fund
Group X	Group Y
AZL DFA Multi-Strategy Fund AZL Gateway Fund AZL Moderate Index Strategy Fund AZL MVP Fusion Dynamic Moderate Fund AZL Pyramis Multi-Strategy Fund BlackRock Global Allocation V.I. Fund Fidelity VIP FundsManager 50% Portfolio Fidelity VIP FundsManager 60% Portfolio Franklin Income VIP Fund PIMCO VIT Global Multi-Asset Managed Allocation Portfolio	AZL Balanced Index Strategy Fund AZL Government Money Market Fund AZL MVP Balanced Index Strategy Fund AZL MVP Fusion Dynamic Balanced Fund AZL MVP Fusion Dynamic Conservative Fund AZL Pyramis Total Bond Fund Franklin U.S. Government Securities VIP Fund PIMCO VIT All Asset Portfolio PIMCO VIT Emerging Markets Bond Portfolio PIMCO VIT Global Advantage Strategy Bond Portfolio PIMCO VIT Global Bond Portfolio (Unhedged) PIMCO VIT High Yield Portfolio PIMCO VIT Real Return Portfolio PIMCO VIT Total Return Portfolio PIMCO VIT Unconstrained Bond Portfolio Templeton Global Bond VIP Fund

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix E

101

The maximum allowed Contract Value allocation for Investment Option Groups A, B and X is as follows. The minimum required Contract Value for Investment Option Group Y appears in Table 3 on the next page.

TABLE 2: Maximum Contract Value Allowed in Groups A and B/X
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.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix E

102

The maximum Contract Value allocation for Investment Option Group A and the minimum required Contract Value allocation for Investment Option Group Y depends on the maximum allowed allocation for Groups A, B and X as follows.

TABLE 3: Maximum Contract Value Allowed in Group A and Minimum Contract Value Required in Group Y
When the maximum % of Contract Value allowed in the combined Groups A, B and X is…	then the maximum % of Contract Value allowed in Group A is…	and the minimum % of Contract Value required in Group 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%

You can only make Investment Option transfers if they comply with these restrictions. Transfers do not change your future Purchase Payment allocation instructions or how we rebalance your Contract Value each quarter. To change this quarterly rebalancing, you must change your future allocation instructions. Any requested change to these instructions must comply with the restrictions stated here or we reject your change.

We automatically rebalance your Contract Value quarterly until this benefit ends. The rebalancing occurs at the end of the last Business Day before each Quarterly Anniversary. There are no fees for the quarterly rebalancing transfers we make, and we do not count them against the free transfers we allow. This rebalancing applies to your selected Investment Options in Groups A, B, X and Y. If you are participating in the DCA program, quarterly rebalancing transfers do not apply to the Contract Value you apply to the AZL Money Market Fund under that program.

If your future allocation instructions allocate 5% or less to the Investment Options in Group A; and 35% or less to the Investment Options in the combined Groups A, B and X; we rebalance according to your future allocation instructions. Otherwise, we determine your Investment Option allocations at the end of the last Business Day before each Quarterly Anniversary as follows. First, we establish the maximum allowed allocation for each Investment Option group. Then, we compute the required allocations for each Investment Option group, which are your future allocation instructions adjusted downward to match the new maximum allowable group allocation if necessary. Lastly, we rebalance your Contract Value according to the new required allocation for each Investment Option.

Determining the Maximum Allowed and Minimum Required Group Allocation

Combined Groups A, B and X. The new maximum allowed allocation for Groups A, B, and X on each Quarterly Anniversary is the lesser of the maximum allowed allocation from the prior Quarterly Anniversary, or as set out in Table2 (which appears earlier in this appendix).

Groups A and Y. We then use Table 3 and the new maximum allowed allocation for Groups A, B and X to determine the new maximum allowed allocation for Group A and minimum required allocation for Group Y.

Combined Groups B and X. The new maximum allowed allocation for Groups B and X is the new maximum allowed allocation for Groups A, B and X, less the new required allocation for GroupA, computed as described next in this appendix.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix E

103

Determining the Required Group Allocation

On the rider effective date, we require your future Purchase Payment allocation instructions to comply with maximum allowed and minimum required group allocations set out in Tables 2 and 3. On each subsequent Quarterly Anniversary, we determine the new required group allocations as follows.

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 GroupY.

The new required allocation for Group Y is equal to 100% minus the new required allocation for Group A, and minus the new required allocation for combined Groups B and X. We then rebalance the Contract Value in your selected Investment Options according to the required allocations for each Investment Option, as discussed next.

Determining the Required Allocation for Each Investment Option

We rebalance your Investment Options' Contract Value on each Quarterly Anniversary using the formula: a x (b / c)

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.

We round your required allocation to the nearest whole percentage. The current required Investment Option allocations then become your future Purchase Payment allocation instructions. These allocation instructions remain in place until the earlier of the next Quarterly Anniversary, or the Business Day we process any new future Purchase Payment allocation instructions.

NOTE:

· 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.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix E

104

WHEN A TARGET DATE BENEFIT ENDS

Your Target Date Benefit ends upon the earliest of the following.

· 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

These are the only differences between the original Quarterly Value Death Benefit, the second Quarterly Value Death Benefit, and the Quarterly Value Death Benefit discussed in section 11.c (which was available on Version B Contracts issued from April 30, 2012 through April 26, 2013):

Original Quarterly Value Death Benefit	Second Quarterly Value Death Benefit
·Available on Version A Contracts issued from May1, 2007 through April 30, 2010.	·Available on Version A Contracts issued from May 2, 2010 throughApril 29,2011, and on Version B Contracts issued from May 2, 2011 throughApril 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.

For both the original Quarterly Value Death Benefit, and second Quarterly Value Death Benefit, the end date occurs on the earliest of:

· 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.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix F

105

APPENDIX G – SHORT WITHDRAWAL CHARGE OPTION

The Short Withdrawal Charge Option was available on Version A Contracts issued from May 1, 2007 through April 29, 2011, and on Version B Contracts issued from May 2, 2011 through July 23, 2012.

The Short Withdrawal Charge Option shortens the Base Contract's withdrawal charge period from seven to four years. You cannot remove the Short Withdrawal Charge Option from your Contract and the benefit ends when the Accumulation Phase ends. The Short Withdrawal Charge Option carries an additional M&E charge of 0.25% during the Accumulation Phase assessed against the Investment Options' net asset value.

The withdrawal charge as a percentage of each Purchase Payment withdrawn is as follows.

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

The No Withdrawal Charge Option was available on Version A Contracts issued from March 17, 2008 through March 31, 2009, and then again from July 22, 2009 through April 29, 2011. The No Withdrawal Charge Option was also available on Version B Contracts issued from May 2, 2011 through July 23, 2012.

The No Withdrawal Charge Option eliminates the Base Contract's withdrawal charge. You cannot remove the NoWithdrawal Charge Option from your Contract and the benefit ends when the Accumulation Phase ends. The NoWithdrawal Charge Option carries an additional M&E charge of 0.35% during the Accumulation Phase assessed against the Investment Options' net asset value.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix G & H

106

APPENDIX I – INCOME FOCUS

Income Focus (05.12) was available from April 30, 2012 through July 20, 2012 on Version B Contracts. Income Focus (07.12) was available from July 23, 2012 through April 24, 2015 on Version B Contracts. Income Focus has a rider charge that we deduct from your Contract Value (and Bonus Value, if applicable) during the Accumulation Phase while your benefit is in effect and your Contract Value is positive. The rider charge is an annualized rate that is calculated and accrued on a daily basis as a percentage of the Total Income Value. For information on how we calculate and deduct the rider charge, and when we deduct the final rider charge, see section 7, Expenses – Rider Charge.

	Rider Charge (as a percentage of the Total Income Value)
	Maximum	Minimum	Current
Income Focus(1) (05.12) and (07.12) Single Income Focus Payments Joint Income Focus Payments	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 Income Focus is in effect and your Contract Value is positive.

We reserve the right to increase or decrease the rider charge on each Quarterly Anniversary, subject to the maximum and minimum. However, in any twelve-month period we cannot increase or decrease the rider charge more than 0.50%. If we increase your rider charge, we notify you in writing at least 30 days in advance to allow you the option of accepting the charge increase, or removing your benefit before the charge increases. Alternatively, you can instead reject this charge increase and all future rider charge changes by selecting the Charge Lock Option rider. The Charge Lock Option rider allows you to keep your benefit at the current rider charge, but with reduced guaranteed values and payments, and no opportunity for future payment increases or future rider charge decreases. For information on how we deduct the rider charge from your Contract, please see section 7, Expenses – Rider Charge.

We designed Income Focus Payments to last for the lifetime of the Covered Person(s). If you do not begin Income Focus Payments before all Covered Persons die or are removed from the Contract, Income Focus ends and you will not receive any payments. In the case of non-spouse Joint Owners, if a Joint Owner dies before payments begin, this benefit ends and payments are not available to you even if the Covered Person is still alive. Income Focus Payments are available once the younger Covered Person reaches age 60 and before the older Covered Person reaches age 91. You choose your payment frequency and amount subject to an annual maximum. Once established, the annual maximum Income Focus Payment can increase, but it cannot decrease unless you take an Excess Withdrawal.

REMOVING INCOME FOCUS

You can remove Income Focus from your Contract while the Contract Value is positive.

You can remove Income Focus by completing the appropriate form. We remove this benefit from your Contract on the Quarterly Anniversary (or on the next Business Day if the Quarterly Anniversary is not a Business Day) that occurs immediately after we receive your request in Good Order at our Service Center, and the rider termination date is that Quarterly Anniversary.

If we increase this benefit's rider charge and you want to remove this benefit before the increase, we must receive this form within 30 days of the date of our letter notifying you of the rider charge increase. If we receive your form after this period, we increase your rider charge and ask you to resubmit the form for the next Quarterly Anniversary.

If you are removing this benefit for any other reason, your request is in Good Order if we receive this form no earlier than 30 days before a Quarterly Anniversary, and no later than 4 p.m. Eastern Time on the last Business Day before the Quarterly Anniversary. If we receive your request outside this time period, we ask you to resubmit it for the next Quarterly Anniversary.

You must transfer your Contract Value out of Income Focus' Investment Options and remove these Investment Options from your future Purchase Payment allocation instructions for your removal request to be in Good Order.

On the rider termination date Income Focus Payments (if applicable) stop, we deduct the final rider charge, and the restrictions on additional Purchase Payments and Contract Value allocations and transfers no longer apply.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix I

107

INCOME FOCUS PAYMENT OVERVIEW

Your annual maximum Income Focus Payment is equal to the sum of all Income Values multiplied by their associated Income Value Percentages. Each Income Value is equal to one or more of your Purchase Payments received in a Rider Year, adjusted for any partial withdrawals as discussed under "Income Values." Each Income Value has an associated Income Value Percentage. Each Income Value Percentage is initially based on the Covered Person's age at the time you selected Income Focus as set out in the following tables.

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%

Income Value Percentages can increase by 1% annually based on positive Contract Value performance from one Rider Anniversary or Benefit Anniversary to the next (determined after the deduction of all Contract fees and expenses) as discussed under "Income Value Percentages and Performance Increases." A Benefit Anniversary is a twelve-month anniversary of the Benefit Date that Income Focus Payments begin. You can receive the 1% Performance Increases both before and after you begin receiving Income Focus Payments. Before payments begin, the first Income Value is eligible for a Performance Increase on the first Rider Anniversary and any subsequent Income Values are eligible for Performance Increases on the second Rider Anniversary after they are established.

The annual maximum Income Focus Payment is the amount you are entitled to receive each year, but you can choose to take an actual payment that is less than your annual maximum Income Focus Payment. If you take less than 100% of your annual maximum Income Focus Payment in a Benefit Year, you are not eligible to receive a Performance Increase in the next Benefit Year. For more information, see "Income Value Percentages and Performance Increases."

Example

Assume you purchase a Contract with Income Focus at age 60 with a $100,000 initial Purchase Payment, and you are the sole Covered Person. Your first Income Value is this initial Purchase Payment and its associated Income Value Percentage based on the table is 3.75%. At this time your annual maximum Income Focus Payment would be $3,750 (3.75% x $100,000).

On the first Rider Anniversary (which is also the first Contract Anniversary) if your Contract Value after deduction of all fees and expenses is greater than your initial Purchase Payment, we apply a 1% Performance Increase to your first Income Value Percentage, so it is now 4.75%. At this time your annual maximum Income Focus Payment would be $4,750 (4.75% x $100,000).

If you make a series of additional Purchase Payments in the second Rider Year totaling $5,000, we establish a second Income Value equal to these payments, and a second Income Value Percentage which is initially equal to 3.75%. This second Income Value is not eligible for a Performance Increase until the third Rider Anniversary. At this time your annual maximum Income Focus Payment would be $4,937.50 [(4.75% x $100,000) + (3.75% x $5,000)].

TOTAL INCOME VALUE

The Total Income Value determines your rider charge and is equal to the sum of all Income Values.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix I

108

INCOME VALUES

Income Values help determine both your rider charge and your annual maximum Income Focus Payment. The greater the total Income Values, the greater the annual maximum Income Focus Payment.

For each period, we establish a new Income Value on the Business Day we first receive a Purchase Payment. We establish Income Values during the first Rider Year as follows.

· 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.

If you make additional Purchase Payments in subsequent Rider Years, we establish a new Income Value each Rider Year. We establish each Income Value on the Business Day we receive the first Purchase Payment in a Rider Year; we add any additional Purchase Payments we receive during the same Rider Year to the existing Income Value.

Each Business Day before the Benefit Date, if you take a withdrawal, we reduce each Income Value by the percentage of Contract Value withdrawn. Each Business Day on or after the Benefit Date, if you take an Excess Withdrawal we reduce each Income Value by the percentage of Contract Value withdrawn. Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include Income Focus Payments or amounts we withdraw for other Contract charges.

NOTE: For Contracts with the Bonus Option, bonus amounts are not included in the Income Values or Total Income Value. However, vested bonus amounts are included in the Performance Increase calculation.

INCOME VALUE PERCENTAGES AND PERFORMANCE INCREASES

Income Value Percentages help determine your annual maximum Income Focus Payment. The higher the Income Value Percentage, the greater the annual maximum Income Focus Payment.

Each Income Value has an associated Income Value Percentage. We determine your initial Income Value Percentage for each Income Value by using the Initial Income Value Percentage Table as discussed in "Income Focus Payment Overview."

On each Rider Anniversary before the Benefit Date, and on each Benefit Anniversary after the Benefit Date if you took the entire annual maximum Income Focus Payment during the prior year, you receive a Performance Increase of 1%to each Income Value Percentage associated with an eligible Income Value if the Contract Value (or Bonus Value if you select the Bonus Option) increases as discussed next in this section. Before the Benefit Date, each Income Value is eligible for a Performance Increase on the second Rider Anniversary that occurs after we establish it. On the first Rider Anniversary, only the first Income Value is eligible for a Performance Increase. Performance Increases are not available once the older Covered Person reaches age 91.

Performance Increases On or Before the Benefit Date

On each Rider Anniversary you receive a 1% Performance Increase if your Contract Value determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) is greater than your Contract Value at the end of the last Business Day before the prior Rider Anniversary (or Rider Effective Date if this is the first Rider Anniversary). Before we make this comparison, if we received any Purchase Payments during the last Rider Year we subtract these payments from the Contract Value we determined at the end of the prior Business Day.

However, if you selected Income Focus at issue and this is the first Rider Anniversary, you receive a Performance Increase if your Contract Value at the end of the prior Business Day less any Purchase Payments received on or after the first Quarterly Anniversary is greater than the total Purchase Payments received before the first Quarterly Anniversary.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix I

109

Performance Increases After the Benefit Date

On each Benefit Anniversary you receive a Performance Increase if your Contract Value determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) is greater than your Contract Value at the end of the last Business Day before the prior Benefit Anniversary (or Benefit Date if this is the first Benefit Anniversary).

NOTE:

· 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.

REQUESTING INCOME FOCUS PAYMENTS

You request Income Focus Payments by completing a payment election form. Income Focus Payments begin on the Benefit Date, which must be either the 1st or 15th of a calendar month. Your Benefit Date is the next available date that occurs at least 15 calendar days after we receive your request in Good Order at our Service Center. At least one Covered Person must be alive on the Benefit Date in order for Income Focus Payments to begin. You cannot submit this form until the younger Covered Person reaches age 60, or once the older Covered Person reaches age 91.

We will begin making payments to you automatically without your request if your Contract Value reduces to zero for any reason other than a withdrawal or annuitization while this benefit is in effect and before the Benefit Date. In this instance we calculate your annual maximum Income Focus Payment and begin making annual payments to you on the next available Benefit Date.

If the Benefit Date has not occurred six months before the older Covered Person reaches age 91, we send you written notice that the benefit is about to end. If the benefit ends before Income Focus Payments begin, you will have paid for the benefit without receiving any of its advantages.

Once Income Focus Payments begin:

· 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.

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· 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.

CALCULATING YOUR INCOME FOCUS PAYMENTS

The annual maximum Income Focus Payment is the amount you are entitled to receive each Benefit Year. On the Benefit Date and each subsequent Benefit Anniversary, your annual maximum Income Focus Payment is equal to the sum of all Income Values multiplied by their associated Income Value Percentages. On the Benefit Date, if your initial annual maximum Income Focus Payment is less than $100, the benefit ends and you will have paid for the benefit without receiving any of its advantages. For example, assuming a single Income Value and an Income Value Percentage of 6.25%, if you take withdrawals that reduce the Income Value to less than $1,600, this would result in an initial Income Focus Payment of less than $100.

You can receive Income Focus Payments monthly, quarterly, semi-annually, or annually. If the scheduled payment date does not fall on a Business Day, we make the payment on the next Business Day.

You can change your payment frequency once each Benefit Year while your Contract Value is positive. You must provide notice of any requested payment frequency change to our Service Center at least 30 days before the Benefit Anniversary. If the change is available, we implement it on the Benefit Anniversary and it remains in effect until the benefit ends or you request another change. We do not accept payment frequency changes that would cause us to make payments of $0.01 to $99.99.

The annual maximum Income Focus Payment is the amount you are entitled to, but you can choose to take less. The annual actual Income Focus Payment is the total amount you choose to receive each year. Any part of your annual maximum payment that you do not withdraw in a given Benefit Year is not added to the annual maximum payment available next year. Each Income Focus Payment you receive is equal to the annual actual Income Focus Payment divided by the number of payments you chose to receive during the Benefit Year. Each actual Income Focus Payment must either be zero, or $100 or more. For example, you cannot request an annual payment of $50.

If you would like to take less than the maximum available payment, you can change your payment amount once each Benefit Year while your Contract Value is positive by providing notice to our Service Center at least 30 days before the Benefit Anniversary. If the change is available, we implement it on the Benefit Anniversary and it remains in effect until the benefit ends or you request another change.

Once Income Focus Payments have begun, if your Contract Value reduces to zero for any reason other than an Excess Withdrawal or annuitization, you will continue to receive your maximum Income Focus Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person.

We deduct each Income Focus Payment, Excess Withdrawal, and any additional payment resulting from a required minimum distribution, proportionately from the Investment Options. We continue to rebalance the Contract Value quarterly among the Investment Options according to your future Purchase Payment allocation instructions while this benefit is in effect. You can also continue to make transfers between the Investment Options while your benefit is in effect, subject to the restrictions set out in section 5, Investment Options – Transfers Between Investment Options, and the "Investment Option Allocation and Transfer Restrictions" discussion later in this section.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Excess Withdrawals

Your annual maximum Income Focus Payment only decreases if you take an Excess Withdrawal. An Excess Withdrawal is a withdrawal you take while you are receiving Income Focus Payments, that when added to any other withdrawals taken during the Benefit Year and your annual actual payment, is greater than your current annual maximum payment. If your actual Income Focus Payment is less than your annual maximum payment, you can withdraw the difference and we consider that withdrawal to be an additional actual Income Focus Payment, and not an Excess Withdrawal. Excess Withdrawals include any applicable withdrawal charge, but do not include amounts we withdraw for other Contract charges.

For example, assume your annual maximum Income Focus Payment is $2,000 and you take an annual actual Income Focus Payment of $1,000. Within a Benefit Year, you can take an additional withdrawal of up to $1,000 and we consider that to be an additional actual Income Focus Payment. If you withdraw $1,200, we consider the first $1,000 to be an additional actual Income Focus Payment and the next $200 to be an Excess Withdrawal.

Any partial Excess Withdrawal must comply with the restrictions in section 8, Access to Your Money and the following provisions. If your Contract Value is less than $2,000, you can only withdraw the total remaining Contract Value (less any rider charge). Also, if at the end of the Business Day that we process your Excess Withdrawal your Contract Value is less than $2,000, you must withdraw the total remaining Contract Value (less any rider charge). If you take an Excess Withdrawal of the total remaining Contract Value your entire Contract ends.

Excess Withdrawals reduce each Income Value on the Business Day we process the withdrawal, but they do not reduce your annual maximum Income Focus Payment until the next Benefit Anniversary after the withdrawal. If partial Excess Withdrawals reduce your annual maximum Income Focus Payment to less than $100, we send you the total remaining Contract Value (less any rider charge) and your Contract ends.

NOTE:

· 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.

TAXATION OF INCOME FOCUS PAYMENTS

We treat Income Focus Payments as withdrawals for tax purposes as discussed in section 12, Taxes – Taxation of Lifetime Payments.

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CHARGE LOCK OPTION

If we increase Income Focus' rider charge, you can reject this charge increase and all future rider charge changes by selecting the Charge Lock Option rider. You keep Income Focus at the current rider charge, but we subtract 1% from all your Income Value Percentages, and you have no opportunity for future Performance Increases or future rider charge decreases.

We notify you in writing at least 30 days in advance of any increase to your rider charge. The notice will include information on the amount of increase to your rider charge, and the options available to you (accept the rider charge increase, remove Income Focus from your contract, or select the Charge Lock Option rider). If you are interested in the Charge Lock Option rider we ask you to either contact your Financial Professional or call us and we will send you the Charge Lock Option selection form and a copy of this prospectus.

After we receive your selection form in Good Order at our Service Center, the Charge Lock Option becomes effective on the Quarterly Anniversary that we are scheduled to increase the rider charge (or on the next Business Day if the Quarterly Anniversary is not a Business Day). To be in Good Order, we must receive your selection form no later than 4 p.m. Eastern Time on the last Business Day before the Quarterly Anniversary that we are to increase the rider charge. If we receive your selection form after this date and time we do not add the Charge Lock Option rider to your Contract and we increase your rider charge, but we make no other changes to your Contract. If we do not receive your selection form in time, you can either keep Income Focus at the increased rider charge, or you can make a separate request to remove it on the next Quarterly Anniversary and you will be subject to the increased rider charge until you remove Income Focus from your Contract. If you choose to keep Income Focus and we increase your rider charge in the future, the Charge Lock Option rider will again be available to you at that time, and will be based upon your then-current rider charges.

If you select the Charge Lock Option rider, Income Focus's rider charge does not change on or after the Charge Lock Date, the Quarterly Anniversary or the next Business Day if that day is not a Business Day, that we would have otherwise increased your rider charge.

If you select the Charge Lock Option rider, you do not receive any Performance Increases after the Last Performance Increase Date. We determine the Last Performance Increase Date as follows.

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 your Contract Value is zero on the Last Performance Increase Date, the Charge Lock Option rider ends and we make no change to Income Focus or your Income Focus Payments. If your Contract Value is positive on the Last Performance Increase Date, we reduce your benefits as follows.

If the Last Performance Increase Date is on or before the Benefit 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.

If the Last Performance Increase Date is a Benefit Anniversary

· 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.

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A hypothetical example showing how Income Focus may be affected if you select the Charge Lock Option rider is provided in Appendix K.

The Charge Lock Option rider ends on the earlier of the Business Day Income Focus ends, or the Last Performance Increase Date if you Contract Value equals zero.

NOTE:

· 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.

INVESTMENT OPTION ALLOCATION AND TRANSFER RESTRICTIONS AND QUARTERLY REBALANCING

Under Income Focus, we restrict your Investment Option selection and require you to allocate your Contract Value to the Investment Options listed below. By selecting this benefit, you agreed to allow us to rebalance your Contract Value quarterly, as described here. We put these restrictions in place to support Income Focus's guarantees. To the extent these restrictions limit your investment flexibility, they may limit the upside potential to your Investment Option returns, which may limit your Contract Value and Performance Increases.

Income Focus (05.12) and (07.12) available Investment Options
AZL MVP Balanced Index Strategy Fund AZL MVP BlackRock Global Strategy Plus Fund AZL MVP Fusion Dynamic Balanced Fund AZL MVP Fusion Dynamic Conservative Fund AZL MVP Fusion Dynamic Moderate Fund	AZL MVP Growth Index Strategy Fund AZL MVP Moderate Index Strategy Fund AZL MVP Pyramis Multi-Strategy Fund AZL MVP T. Rowe Price Capital Appreciation Plus Fund PIMCO VIT Global Multi-Asset Managed Volatility Portfolio

We may add, remove or substitute Investment Options from this list. We secure all necessary SEC and other governmental approvals before removing or substituting an Investment Option. We send you written notice regarding additions, removals or substitutions. When an Investment Option within this list is removed or substituted, we send you written notice 30 days before the removal or substitution date.

While your benefit is in effect and your Contract Value is positive, we rebalance your Contract Value quarterly according to your future Purchase Payment allocation instructions if they comply with the restrictions stated here. The rebalancing occurs at the end of the last Business Day before each Quarterly Anniversary. Your Investment Options' performance may cause your chosen allocations to shift. Quarterly rebalancing helps you maintain your selected allocation mix. There are no fees for the quarterly rebalancing transfers we make, and we do not count them against the free transfers we allow. To change this quarterly rebalancing, you must change your future Purchase Payment allocation instructions. Any requested change to these instructions must comply with the restrictions stated here or we reject your change.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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WHEN INCOME FOCUS ENDS

Income Focus ends on the earliest of the following.

· 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.

NOTE FOR RIDERS ISSUED IN CALIFORNIA AND NEW JERSEY:An assignment or change of ownership does not change the Covered Person(s). After an assignment or change of ownership, if a Covered Person who was previously an Owner or Annuitant no longer has that position, Income Focus ends 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. Upon the death of an individual Owner (or Annuitant if the Owner is a non-individual), if the deceased's spouse is a sole Beneficiary and continues the Contract, Income Focus ends on the earlier of the date of death of the surviving spouse or last surviving Covered Person. If a surviving spouse instead elects to receive payment of the death benefit, Income Focus ends on the Business Day we receive his or her Valid Claim. For riders issued in New Jersey involving civil union partners, Income Focus and Income Focus Payments may end even earlier because Contract continuation is not allowed for a surviving civil union partner. This means that Income Focus Payments may end even if a Covered Person is still alive.

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APPENDIX J – INVESTMENT PROTECTOR

Investment Protector was available from July 22, 2009 through October 14, 2015. Investment Protector has a rider charge that we deduct from your Contract Value (and Bonus Value, if applicable) during the Accumulation Phase while your benefit is in effect and your Contract Value is positive. The rider charge is an annualized rate that is calculated and accrued on a daily basis as a percentage of the Target Value. For information on how we calculate and deduct the rider charge, and when we deduct the final rider charge, see section 7, Expenses – Rider Charge.

[RIDER VERSIONS 08.16, 09.16, AND 10.16 TO BE ADDED UPON AMENDMENT]

Investment Protector Riders (Version Identifier)	Contract Version	Available Dates	Rider Charge (as a percentage of the Target Value)
			Maximum	Current
Investment Protector (01.12, 07.12, 07.13, 04.15, 04.16, 05.16, 06.16, 07.16)	A(1) and B	4/30/2012 – 10/14/2016	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%

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

We reserve the right to increase or decrease the rider charge on each Quarterly Anniversary, subject to the maximum and minimum. However, in any twelve-month period we cannot increase or decrease the rider charge more than 0.35%. If we increase your rider charge, we notify you in writing at least 30 days in advance to allow you the option of accepting the charge increase, or removing your benefit before the charge increases. For information on how we deduct the rider charge from your Contract, please see section 7, Expenses – Rider Charge.

NOTE:If Investment Protector ends due to the death of an Owner (or Annuitant if the Owner is a non-individual) and we deduct rider charges after the date of death, the rider charges accrued and deducted after the date of death are refunded if a Target Value Date does not occur between the date of death and the date we receive the first Valid Claim. We do not refund rider charges if a Target Value Date occurs between the date of death and the date we receive the first Valid Claim.

Investment Protector provides, during the Accumulation Phase, a level of protection for your principal and a percentage (Guarantee Percentage) of any annual investment gains through the Target Value which is available at a future point you select, called the Target Value Date. The initial Target Value Date cannot occur before the Earliest Anniversary, and it must occur before age 91. Subsequent Target Value Dates will occur on every Future Anniversary. The Target Value is only guaranteed to be available to you 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.

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We established your Contract's Guarantee Percentage, Earliest Anniversary and Future Anniversary on the Rider Effective Date and we cannot change them. The Guarantee Percentage, Earliest Anniversary and Future Anniversary that are used to calculate your Target Value and determine your Target Value Dates are as follows.

[RIDER VERSIONS 08.16, 09.16, AND 10.16 TO BE ADDED UPON AMENDMENT]

Benefit Version	Available Dates	Earliest Anniversary used to determine the initial Target Value Date	Future Anniversary used to determine subsequent Target Value Dates	Guarantee Percentage used to calculate the Target Value
Investment Protector (07.13, 04.15, 04.16, 05.16, 06.16, 07.16)	7/22/2013 – 10/14/2016	Tenth Rider Anniversary	Fifth Rider Anniversary	80%
Investment Protector (05.10, 01.12, 07.12)	5/3/2010 – 7/19/2013	Tenth Rider Anniversary	Fifth Rider Anniversary	100%
Investment Protector (08.09)	7/22/2009 - 4/30/2010	Tenth Rider Anniversary	Fifth Rider Anniversary	95%

REMOVING INVESTMENT PROTECTOR

You can remove Investment Protector from your Contract while the Contract Value is positive.

You can remove Investment Protector by completing the appropriate form. We remove this benefit from your Contract on the Quarterly Anniversary (or on the next Business Day if the Quarterly Anniversary is not a Business Day) that occurs immediately after we receive your request in Good Order at our Service Center, and the rider termination date is that Quarterly Anniversary.

If we increase this benefit's rider charge and you want to remove this benefit before the increase, we must receive this form within 30 days of the date of our letter notifying you of the rider charge increase. If we receive your form after this period, we increase your rider charge and ask you to resubmit the form for the next Quarterly Anniversary.

If you are removing this benefit for any other reason, your request is in Good Order if we receive this form no earlier than 30 days before a Quarterly Anniversary, and no later than 4 p.m. Eastern Time on the last Business Day before the Quarterly Anniversary. If we receive your request outside this time period, we ask you to resubmit it for the next Quarterly Anniversary.

On the rider termination date we deduct the final rider charge, and the restrictions on additional Purchase Payments and Contract Value allocations and transfers no longer apply.

TARGET VALUE DATES

Investment Protector guarantees that on each Target Value Date until the benefit ends, your Contract Value cannot be less than the Target Value (described next in this section). You selected the initial Target Value Date when you selected this benefit. The earliest available initial Target Value Date is the Earliest Anniversary, and the latest date is the Rider Anniversary before the older Owner reaches age 91 (or the Annuitant reaches age 91 if the Owner is a non-individual). Subsequent Target Value Dates occur on every Future Anniversary after the initial Target Value Date while this benefit is in effect.

For example, assume you purchased a Contract as the sole Owner on September 1, 2009 and you were age 70. You selected Investment Protector on the first Quarterly Anniversary, December 1, 2009 when you were still age 70, the Earliest Anniversary is the tenth Rider Anniversary and the Future Anniversary is the fifth Rider Anniversary. The earliest available initial Target Value Date is December 1, 2019 and the latest date is December 1, 2029. If you selected the earliest available initial date (December 1, 2019), subsequent Target Value Dates would occur on December 1st in 2024, 2029, 2034, etc.

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At the end of the last Business Day before each Target Value Date if your Contract Value is less than the Target Value, we increase your Contract Value to equal the Target Value and your Target Value becomes the Contract Value. The last Business Day before eachTarget Value Date are the only days that we guarantee your Contract Value equals or exceeds the Target Value. After the Target Value Date, the Contract Value will fluctuate until the next Target Value Date.We notify you in writing at least 30 days in advance of each Target Value Date outlining the options available to you. On the last Business Day before each Target Value Date you can continue your Contract or withdraw some or all of your Contract Value. You are not required to take a withdrawal at this time. Any withdrawal you do take is subject to any applicable withdrawal charge and additional federal tax.

We allocate any Contract Value increase to your selected Investment Options based on the percentage of Contract Value in each Investment Option after we do quarterly Contract Value rebalancing. For tax purposes, we treat any Contract Value increase as earnings under the Contract. However, if the Contract Value on the last Business Day before each Target Value Date is less than net Purchase Payments (total Purchase Payments less any payments withdrawn) then we treat some or all of the increase as a Purchase Payment when applying the withdrawal charge if you withdraw the total Contract Value.

Initial Target Value Date Resets

You can reset the initial Target Value Date before the older Owner reaches age 81 (or the Annuitant reaches age 81 if the Owner is a non-individual). Resets are only available if the Contract Value is at least equal to the Target Value using the values determined at the end of the last Business Day before the Rider Anniversary that we process your reset request. The earliest new initial Target Value Date is the Earliest Anniversary after we process your request, and the latest available date is the Rider Anniversary before the older Owner reaches age 91 (or the Annuitant reaches age 91 if the Owner is a non-individual). You request a reset by completing the appropriate form. We process your request as of the immediately preceding Rider Anniversary (or on the next Business Day if the Rider Anniversary is not a Business Day) once we receive your request in Good Order at our Service Center. For the request to be in Good Order, we must receive this form within 30 days after a Rider Anniversary. If we receive your request outside this time period, we reject your request. The reset date is the Rider Anniversary that we process your request.

Initial Target Value Date resets may change the maximum amount you can allocate to your selected Investment Options, but a reset does not automatically change your allocations. To change your allocations on a reset, you must also change your future Purchase Payments allocation instructions and they must comply with the current maximum allowable allocations.

TARGET VALUE

The Target Value determines both your rider charge and if you receive a Contract Value increase on each Target Value Date. We only calculate the Target Value while the benefit is in effect.

On each Business Day, the Target Value is equal to the greater of the result of the Rider Anniversary Value multiplied by the Guarantee Percentage or one of the following.

· If you selected 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 selected 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.

Withdrawals include Partial Annuitizations and any withdrawal charges, but do not include amounts we withdraw for other Contract charges.

If the Rider Effective Date is the Issue Date, the Rider Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. If the Rider Effective Date occurs after the Issue Date, the Rider Anniversary Value is initially equal to the Contract Value determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses).

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At the end of each Business Day, we adjust the Rider Anniversary Value as follows.

· 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.

On each Rider Anniversary we compare the Rider Anniversary Value to the Contract Value using the values determined at the end of the prior Business Day (after the deduction of all Contract fees and expenses) and increase the Rider Anniversary Value to equal this Contract Value if it is greater.

NOTE: For Contracts with the Bonus Option, unvested bonus amounts are not included in the Target Value or the Contract Value.

INVESTMENT OPTION ALLOCATION AND TRANSFER RESTRICTIONS AND QUARTERLY REBALANCING

Under Investment Protector, we restrict your Investment Option selection as discussed in this section. By selecting this benefit, you agreed to allow us to rebalance your Contract Value quarterly, as described here. We put these restrictions in place to support Investment Protector's guarantees. The maximum amount of Contract Value allowed in the Equity Investment Option group decreases as the number of years until your initial Target Value Date declines, and if negative Investment Option performance reduces the Contract Value in comparison to the Target Value. To the extent these restrictions limit your investment flexibility, they may limit the upside potential to your Investment Option returns, which may limit your Contract Value and Target Value.

We establish your Contract's Investment Option allocation and transfer restrictions on the Rider Effective Date and we cannot change them. We may add, remove or substitute Investment Options from the groups discussed in this section. We secure all necessary SEC and other governmental approvals before removing or substituting an Investment Option. We may also move Investment Options from the Equity group to the Fixed Income group, but we cannot move Investment Options the other way. We send you written notice regarding additions, removals or substitutions. When an Investment Option in one of these groups is removed or substituted, we send you written notice 30 days before the removal or substitution date.

[RIDER VERSIONS 08.16, 09.16, AND 10.16 TO BE ADDED UPON AMENDMENT]

Investment Protector (07.12, 07.13, 04.15, 04.16, 05.16, 06.16, 07.16)

These are the Investment Option groups for Investment Protector (07.12, 07.13, 04.15, 04.16, 05.16, 06.16, 07.16):

TABLE 1: Investment Option Groups
Equity Group
AZL Balanced Index Strategy Fund AZL DFA Multi-Strategy Fund AZL Gateway Fund AZL Global Equity Index Fund AZL International Index Fund AZL Mid Cap Index Fund AZL Moderate Index Strategy Fund AZL MVP Balanced Index Strategy Fund AZL MVP Fusion Dynamic Balanced Fund AZL MVP Fusion Dynamic Conservative Fund AZL MVP Fusion Dynamic Moderate Fund AZL MVP Growth Index Strategy Fund AZL Pyramis Multi-Strategy Fund	AZL Russell 1000 Growth Index Fund AZL Russell 1000 Value Index Fund AZL S&P 500 Index Fund AZL T. Rowe Price Capital Appreciation Fund Allianz NFJ Dividend Value VIT Portfolio BlackRock Global Allocation V.I. Fund Fidelity VIP FundsManager 50% Portfolio Fidelity VIP FundsManager 60% Portfolio Franklin Income VIP Fund Franklin Mutual Shares VIP Fund PIMCO VIT All Asset Portfolio PIMCO VIT Global Multi-Asset Managed Allocation Portfolio PIMCO VIT StocksPLUS® Global Portfolio Templeton Growth VIP Fund
Fixed Income Group
AZL Enhanced Bond Index Fund AZL Government Money Market Fund AZL MetWest Total Return Bond Fund AZL Pyramis Total Bond Fund Franklin U.S. Government Securities VIP Fund JP Morgan Insurance Trust Core Bond Portfolio MFS VIT Total Return Bond Portfolio	PIMCO VIT Global Advantage Strategy Bond Portfolio PIMCO VIT High Yield Portfolio PIMCO VIT Real Return Portfolio PIMCO VIT Total Return Portfolio PIMCO VIT Uncontstrained Bond Portfolio Templeton Global Bond VIP Fund

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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On the Rider Effective Date and subsequent Quarterly Anniversaries, Table 2 determines the maximum Contract Value you can allocate to Investment Options in the Equity group based on the number of Rider Years* until the initial Target Value Date and the comparison of Contract Value (CV) to Target Value (TV). We then subtract the Table 2 value from 100% to determine the minimum Contract Value required in the Fixed Income group. For example, on the Rider Effective Date if your initial Target Value Date is the 12th Rider Anniversary, you can allocate up to 70% of your Contract Value to Investment Options in the Equity group and you must have at least 30% in the Fixed Income group.

TABLE 2: Maximum Contract Value Allowed in the Equity Group
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.

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You can only make Investment Option transfers if they comply with these restrictions. Transfers do not change your future Purchase Payment allocation instructions or how we rebalance your Contract Value each quarter. To change this quarterly rebalancing, you must change your future allocation instructions. Any requested change to these instructions must comply with the restrictions stated here or we reject your change.

We automatically rebalance your Contract Value quarterly until this benefit ends. The rebalancing occurs at the end of the last Business Day before each Quarterly Anniversary. There are no fees for the quarterly rebalancing transfers we make, and we do not count them against the free transfers we allow. This rebalancing applies to your selected Investment Options in both the Equity and Fixed Income groups. If you are participating in the DCA program, quarterly rebalancing transfers do not apply to the Contract Value you apply to the AZL Government Money Market Fund under that program.

If your future allocation instructions allocate 10% or less to the Investment Options in the Equity group, we rebalance according to your future allocation instructions. Otherwise, we determine your required Investment Option allocations at the end of the last Business Day before each Quarterly Anniversary as follows.

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 Table2 (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.

We round your required allocation to the nearest whole percentage. The current required Investment Option allocations then become your future Purchase Payment allocation instructions. These allocation instructions remain in place until the earlier of the next Quarterly Anniversary, or the Business Day we process any new future Purchase Payment allocation instructions.

NOTE:

· 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.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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Investment Protector (08.09, 05.10, 01.12)

These are the Investment Option groups for Investment Protector (08.09, 05.10, 01.12):

TABLE 1: Investment Option Groups
Group A
AZL Emerging Markets Equity Index Fund AZL Morgan Stanley Global Real Estate Fund AZL MVP Growth Index Strategy Fund AZL Small Cap Stock Index Fund	Davis VA Financial Portfolio Franklin Founding Funds Allocation VIP Fund PIMCO VIT CommodityRealReturn Strategy Portfolio
Group B/X
AZL Balanced Index Strategy Fund AZL DFA Multi-Strategy Fund AZL Gateway Fund AZL Global Equity Index Fund AZL International Index Fund AZL Mid Cap Index Fund AZL Moderate Index Strategy Fund AZL MVP Balanced Index Strategy Fund AZL MVP Fusion Dynamic Balanced Fund AZL MVP Fusion Dynamic Conservative Fund AZL MVP Fusion Dynamic Moderate Fund AZL Pyramis Multi-Strategy Fund AZL Russell 1000 Growth Index Fund AZL Russell 1000 Value Index Fund AZL S&P 500 Index Fund AZL T. Rowe Price Capital Appreciation Fund	Allianz NFJ Dividend Value VIT Portfolio BlackRock Global Allocation V.I. Fund Fidelity VIP FundsManager 50% Portfolio Fidelity VIP FundsManager 60% Portfolio Franklin Income VIP Fund Franklin Mutual Shares VIP Fund PIMCO VIT All Asset Portfolio PIMCO VIT Global Multi-Asset Managed Allocation Portfolio PIMCO VIT StocksPLUS® Global Portfolio Templeton Growth VIP Fund
Group Y
AZL Enhanced Bond Index Fund AZL Government Money Market Fund AZL MetWest Total Return Bond Fund AZL Pyramis Total Bond Fund Franklin U.S. Government Securities VIP Fund JP Morgan Insurance Trust Core Bond Portfolio MFS VIT Total Return Bond Portfolio	PIMCO VIT Emerging Markets Bond Portfolio PIMCO VIT Global Advantage Strategy Bond Portfolio PIMCO VIT Global Bond Portfolio (Unhedged) PIMCO VIT High Yield Portfolio PIMCO VIT Real Return Portfolio PIMCO VIT Total Return Portfolio PIMCO VIT Unconstrained Bond Portfolio Templeton Global Bond VIP Fund

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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On the Rider Effective Date and subsequent Quarterly Anniversaries, Table 2 determines the maximum Contract Value you can allocate to Investment Options in Groups A and B/X based on the number of Rider Years* until the initial Target Value Date and the comparison of Contract Value (CV) to Target Value (TV). We then use Table 2 value in the first column of Table 3 on the next page to determine the maximum Contract Value you can allocate to Investment Options in Group A and the minimum required in Group Y. For example, on the Rider Effective Date if your initial Target Value Date is the 12th Rider Anniversary, you can allocate up to 70% of your Contract Value to Investment Options in Groups A and B/X, up to 20% in Group A, and you must have at least 30% in Group Y.

TABLE 2 : Maximum Contract Value Allowed in Groups A and B/X
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.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

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The maximum Contract Value allocation for Investment Option Group A and the minimum required Contract Value allocation for Investment Option Group Y depends on the maximum allowed allocation for Groups A and B/X as follows.

TABLE 3: Maximum Contract Value Allowed in Group A and Minimum Contract Value Required in Group Y
When the maximum % of Contract Value allowed in Groups A and B/X is…	then the maximum % of Contract Value allowed in Group A is…	and the minimum % of Contract Value required in Group 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%

You can only make Investment Option transfers if they comply with these restrictions. Transfers do not change your future Purchase Payment allocation instructions or how we rebalance your Contract Value each quarter. To change this quarterly rebalancing, you must change your future allocation instructions. Any requested change to these instructions must comply with the restrictions stated here or we reject your change.

We automatically rebalance your Contract Value quarterly until this benefit ends. The rebalancing occurs at the end of the last Business Day before each Quarterly Anniversary. There are no fees for the quarterly rebalancing transfers we make, and we do not count them against the free transfers we allow. This rebalancing applies to your selected Investment Options in Groups A, B/X, and Y. If you are participating in the DCA program, quarterly rebalancing transfers do not apply to the Contract Value you apply to the AZL Money Market Fund under that program.

If your future allocation instructions allocate 5% or less to the Investment Options in Group A; and 10% or less to the Investment Options in the combined Groups A and B/X; we rebalance according to your future allocation instructions. Otherwise, we determine your Investment Option allocations at the end of the last Business Day before each Quarterly Anniversary as follows. First, we establish the maximum allowed allocation for each Investment Option group. Then, we compute the required allocations for each Investment Option group, which are your future allocation instructions adjusted downward to match the new maximum allowable group allocation if necessary. Lastly, we rebalance your Contract Value according to the new required allocation for each Investment Option.

Determining the Maximum Allowed and Minimum Required Group Allocation

Combined Groups A and B/X. The new maximum allowed allocation for Groups A and B/X on each Quarterly Anniversary is the lesser of the maximum allowed allocation from the prior Quarterly Anniversary, or as set out in Table2 (which appears earlier in this section).

Groups A and Y. We then use Table 3 and the new maximum allowed allocation for Groups A and B/X to determine the new maximum allowed allocation for Group A and minimum required allocation for Group Y.

Group B/X. The new maximum allowed allocation for Group B/X is the new maximum allowed allocation for Groups A and B/X, less the new required allocation for GroupA, computed as described next in this section.

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Determining the Required Group Allocation

On the Rider Effective Date, we require your future Purchase Payment allocation instructions to comply with maximum allowed and minimum required group allocations set out in Tables 2 and 3. On each subsequent Quarterly Anniversary, we determine the new required group allocations as follows.

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 GroupB/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 GroupY.

The new required allocation for Group Y is equal to 100% minus the new required allocation for Group A, and minus the new required allocation for Group B/X. We then rebalance the Contract Value in your selected Investment Options according to the required allocations for each Investment Option, as discussed next.

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Determining the Required Allocation for Each Investment Option

We rebalance your Investment Options' Contract Value on each Quarterly Anniversary using the formula: a x (b / c)

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.

We round your required allocation to the nearest whole percentage. The current required Investment Option allocations then become your future Purchase Payment allocation instructions. These allocation instructions remain in place until the earlier of the next Quarterly Anniversary, or the Business Day we process any new future Purchase Payment allocation instructions.

NOTE:

· 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.

WHEN INVESTMENT PROTECTOR ENDS

Investment Protector ends upon the earliest of the following.

· 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.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix J

126

APPENDIX K – PREVIOUS VERSIONS OF INCOME PROTECTOR

The benefit version identifier (for example, (05.11)) is located in your rider.

[INCOME PROTECTOR RIDER VERSIONS 08.16 AND 09.16 TO BE ADDED UPON AMENDMENT]

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 calculate annual maximum Lifetime Plus Payments
Income Protector (07.16) available on Contract Version A(1) and B from July 5, 2016 through August 1, 2016	1.40% for single and joint Lifetime Plus Payments	4%, which is 1.00% applied quarterly	30	Covered Person's age for single Lifetime Plus Payments 60 – 644.0% 65 – 794.5% 80+5.5%	Younger Covered Person's age for joint Lifetime Plus Payments 60 – 643.5% 65 – 794.0% 80+5.0%
Income Protector (05.16 and 06.16) available on Contract Version A(1) and B from May 3, 2016 through July 4, 2016	1.40% for single and joint Lifetime Plus Payments	5%, which is 1.25% applied quarterly	30	Covered Person's age for single Lifetime Plus Payments 60 – 644.0% 65 – 794.5% 80+5.5%	Younger Covered Person's age for joint Lifetime Plus Payments 60 – 643.5% 65 – 794.0% 80+5.0%
Income Protector (04.15 and 04.16) available on Contract Version A(1) and B from April 27, 2015 through May 2, 2016	1.40% for single and joint Lifetime Plus Payments	6%, which is 1.5% applied quarterly	30	Covered Person's age for single Lifetime Plus Payments 60 – 644.0% 65 – 794.5% 80+5.5%	Younger Covered Person's age for joint Lifetime Plus Payments 60 – 643.5% 65 – 794.0% 80+5.0%
Income Protector (10.12) available on Contract 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 Payments 60 – 644.0% 65 – 794.5% 80+5.5%	Younger Covered Person's age for joint Lifetime Plus Payments 60 – 643.5% 65 – 794.0% 80+5.0%
Income Protector (07.12) available on Contract 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 Payments 60 – 644.0% 65 – 794.5% 80+5.5%	Younger Covered Person's age for joint Lifetime Plus Payments 60 – 643.5% 65 – 794.0% 80+5.0%
Income Protector (05.12) available on Contract Version A(1) and B from April 30, 2012 through July 20, 2012	1.60% for single and joint Lifetime Plus Payments	7%, which is 1.75% applied quarterly	30	Covered Person's age for single Lifetime Plus Payments 60 – 644.0% 65 – 794.5% 80+5.5%	Younger Covered Person's age for joint Lifetime Plus Payments 60 – 643.5% 65 – 794.0% 80+5.0%
Income Protector (01.12) available on Contract Version Aand B from January 23, 2012 through April 27, 2012 in all states except Oregon, and from February 22, 2012 through April 27, 2012 in Oregon only	1.60% for single and joint Lifetime Plus Payments	8%, which is 2% applied quarterly	30	Covered Person's age for single Lifetime Plus Payments 60 – 644.0% 65 – 794.5% 80+5.5%	Younger Covered Person's age for joint Lifetime Plus Payments 60 – 643.5% 65 – 794.0% 80+5.0%
Income Protector (05.11) available on Contract Version Aand B from May 2, 2011 through January 20, 2012 in all states except Oregon, and from May 2, 2011 through February 21, 2012 in Oregon only	1.55% for single Lifetime Plus Payments, and 1.70% for joint	8%, which is 2% applied quarterly	30	Age of Covered Person for single Lifetime Plus Payments, or age of younger Covered Person for joint Lifetime Plus Payments 60 – 644.0% 65 – 794.5% 80+5.5%
Income Protector (05.10) available on Contract Version A from May 3, 2010 through April 29, 2011	1.55% for single Lifetime Plus Payments, and 1.70% for joint	8%, which is 2% applied quarterly	20	Age of Covered Person for single Lifetime Plus Payments, or age of younger Covered Person for joint Lifetime Plus Payments 60 – 644.0% 65 – 794.5% 80+5.5%
Income Protector (08.09) available on Contract Version A from July 22, 2009 through April 30, 2010	1.55% for single Lifetime Plus Payments, and 1.70% for joint	8%, which is 2% applied quarterly	20	Age of Covered Person for single Lifetime Plus Payments, or age of younger Covered Person for joint Lifetime Plus Payments 65 – 794.5% 80+5.5%

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

NOTE:

· The minimum exercise age that Lifetime Plus Payments can beginis 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 change these values while your benefit is in effect.

127

The available Investment Options for Income Protector (05.11), (05.10) and (08.09) are different than what is stated in section 11.a, and are as follows:

Income Protector (05.11), (05.10) and (08.09) available Investment Options

AZL Balanced Index Strategy Fund AZL DFA Multi-Strategy Fund AZL Enhanced Bond Index Fund AZL Gateway Fund AZL Government Money Market Fund AZL MetWest Total Return Bond Fund AZL Moderate Index Strategy Fund AZL MVP Balanced Index Strategy Fund AZL MVP DFA Multi-Strategy Fund AZL MVP Fusion Dynamic Balanced Fund AZL MVP Fusion Dynamic Conservative Fund AZL MVP Fusion Dynamic Moderate Fund AZL MVP Growth Index Strategy Fund AZL MVP T. Rowe Price Capital Appreciation Plus Fund AZL Pyramis Multi-Strategy Fund AZL Pyramis Total Bond Fund

BlackRock Global Allocation V.I. Fund Fidelity VIP FundsManager 50% Portfolio Fidelity VIP FundsManager 60% Portfolio Franklin Income VIP Fund Franklin U.S. Government Securities VIP Fund PIMCO VIT All Asset Portfolio PIMCO VIT Emerging Markets Bond Portfolio PIMCO VIT Global Advantage Strategy Bond Portfolio PIMCO VIT Global Bond Portfolio (Unhedged) PIMCO VIT Global Multi-Asset Managed Allocation Portfolio PIMCO VIT High Yield Portfolio PIMCO VIT Real Return Portfolio PIMCO VIT Total Return Portfolio PIMCO VIT Unconstrained Bond Portfolio RCM Dynamic Multi-Asset Plus VIT Portfolio Templeton Global Bond VIP Fund

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix K

128

APPENDIX L – CHARGE LOCK OPTION EXAMPLES

These hypothetical examples show how Income Protector and Income Focus may be affected if you select the Charge Lock Option rider. These examples are intended to help you understand the Charge Lock Option rider and are not intended to display values specific to any Contract.

INCOME PROTECTOR

This hypothetical example assumes you have yet not begun Lifetime Plus Payments, and do not choose to do so on the Charge Lock Date. Your Benefit Base on the Charge Lock Date (which is also your Last Increase Date) is $100,000, and the simple interest on your Annual Increase is 6%. Your current Income Protector rider charge is 1.20%, and we notify you that we intend to increase your rider charge to 1.45%. Assuming your Contract Value is never greater than your Annual Increase, the amount you would pay for the rider charge for one year would be $1,227 based on a 1.20% rider charge and a 6% simple interest increase to the Benefit Base. You are the only Covered Person, your current age is 66, and the current payment percentage for ages 65-79 is 4.5%.

If you accept the rider charge increase, your Annual Increase continues receiving 6% annual simple interest, 1.5% each quarter. Assuming your Contract Value is never greater than your Annual Increase, your Benefit Base on the next rider anniversary will be $106,000 and the available annual maximum Lifetime Plus Payment at that time would be $4,770 (4.5% x $106,000). The amount you pay for the annual rider charge for this next year will increase to $1,483 based on the 6% simple interest increase to your Benefit Base and the increase to the rider charge.

If instead you select the Charge Lock Option rider, we subtract 1% from the current payment percentage, so the new payment percentage for ages 65-79 will be 3.5%. Your Annual Increase will not receive simple interest after the Charge Lock Date. If you were to exercise Income Protector your annual maximum Lifetime Plus Payment will be $3,500 (3.5% x $100,000). This is a loss in payment of $1,270, and these Lifetime Plus Payments can never increase. Finally, the amount you pay for the annual rider charge will be $1,200 (1.20% x $100,000) and your rider charge percentage will never change.

In this example, if you select the Charge Lock Option rider instead of accepting the rider charge increase, yourrider charge does not increase ($283 savings). However, your Lifetime Plus Payment decreases by $1,270.

INCOME FOCUS

This hypothetical example assumes you are the sole Covered Person, and you have already begun taking Income Focus Payments. On the Last Performance Increase Date you have one Income Value of $100,000 and its Income Value Percentage after application of the Performance Increase is 5.75%, so your annual maximum Income Focus Payment is $5,750 (5.75% x $100,000). Your current Income Focus rider charge is 1.30%, and we notify you that we intend to increase your rider charge to 1.55%. The amount you are currently paying for the annual rider charge before the increase is $1,300 (1.30% x $100,000).

If you accept the rider charge increase, your Income Value Percentage continues to be eligible for future Performance Increases and, assuming you take no Excess Withdrawals, you continue to be eligible to receive an annual maximum Income Focus Payment of at least $5,750 (5.75% x $100,000) for the rest of your life. The amount you pay for the annual rider charge will increase to $1,550 (1.55% x $100,000).

If instead you select the Charge Lock Option rider, we reduce your Income Value Percentage to 4.75%, which reduces your annual maximum Income Focus to $4,750 (4.75% x $100,000). This is a loss in payment of $1,000, and these Income Focus Payments can never increase. The amount you pay for the annual rider charge remains $1,300 and your rider charge percentage will never change.

In this example, if you select the Charge Lock Option rider instead of accepting the rider charge increase, yourrider charge does not increase ($250 savings). However, your Income Focus Payment decreases by $1,000.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix L

129

APPENDIX M – ADDITIONAL EXPENSE EXAMPLES

The expense examples contained in the Fee Tables reflect the most expensive combination of benefits that are available to an Owner selecting a new benefit. However, for Contracts with the previously available Income Focus Rider, in example 1 (if you surrender your Contract) and example 3 (if you do not surrender your Contract), the most expensive combination of benefits in Year 1 are for the Base Contract with Bonus Option, Quarterly Value Death Benefit and Income Focus with joint payments (8.5% declining withdrawal charge, 2.00% M&E charge and a maximum rider charge of 2.95%). Here are additional example 1 and example 3 figures for these Contracts.

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

Total annual Investment Option operating expenses before any fee waivers or expense reimbursements of:	1 Year		3 Years		5 Years		10 Years
1.86% (the maximum Investment Option operating expense)	$	1,596	$	3,063	$	4,345	$	7,064
0.49% (the minimum Investment Option operating expense)	$	1,457	$	2,665	$	3,714	$	5,972

3) If you do not surrender your Contract.

Total annual Investment Option operating expenses before any fee waivers or expense reimbursements of:	1 Year		3 Years		5 Years		10 Years
1.86% (the maximum Investment Option operating expense)	$	746	$	2,213	$	3,645	$	7,064
0.49% (the minimum Investment Option operating expense)	$	607	$	1,815	$	3,014	$	5,972

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

Appendix M

130

FOR SERVICE OR MORE INFORMATION

You can review and copy information about us, the Separate Account, the prospectus and the SAI at the SEC's Public Reference Room in Washington, D.C. You may obtain information about the operation of the Public Reference Room by calling (202) 551-8090.

The SEC also maintains a website (www.sec.gov). The prospectus, the SAI and other information about the Contract are available on the EDGAR database on the SEC's website. If you do not have access to the website, you can get copies of information from the website upon payment of a duplication fee by writing to:

Public Reference Section of the Commission

100 F Street, NE

Washington, DC 20549

OUR SERVICE CENTER

If you need customer service (for Contract changes, information on Contract Values, requesting a withdrawal or transfer, changing your allocation instructions, etc.) please contact our Service Center at (800) 624-0197.

To send a check for an additional Purchase Payment (for Contracts issued in Connecticut, Florida, and New Jersey, and for Contracts issued from August 17, 2009 through April 26, 2013), or for general customer service, please mail to the appropriate address as follows:

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

NOTE: Checks sent to the wrong address for additional Purchase Payments are forwarded to the 1801 Parkview Drive address listed above, which may delay processing.

To send information by email, please use this address: variableannuity@send.allianzlife.com. To send information over the web, please upload to your account on our website at: www.allianzlife.com. If you have questions about whether you can submit certain information by email or over the web, please contact our Service Center.

Allianz Vision^SM Variable Annuity Prospectus – October 17, 2016

131

PART B – SAI

STATEMENT OF ADDITIONAL INFORMATION

ALLIANZ VISION^SM VARIABLE ANNUITY

INDIVIDUAL FLEXIBLE PURCHASE PAYMENT VARIABLE DEFERRED ANNUITY CONTRACT

Issued on or prior to April 26, 2013 by

ALLIANZ LIFE^® VARIABLE ACCOUNT B (the Separate Account) and

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA (Allianz Life, we, us, our)

This Statement of Additional Information (SAI) is incorporated by reference into the prospectus that has been filed as Part A of the Registration Statement. This SAI should be read in conjunction with the prospectus. Definitions of capitalized terms can be found in the glossary of the prospectus. The prospectus is incorporated in this SAI by reference.

The prospectus for the Contract concisely sets forth information that a prospective investor ought to know before investing. For a copy of the Contract's prospectus, call or write us at:

Allianz Life Insurance Company of North America

P. O. Box 561

Minneapolis, MN 55440-0561

 (800) 624-0197

Table of Contents

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…………………………………………………..	2	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……………………………	11
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…	14
		Appendix B  – Condensed Financial Information	17

Dated: October 17, 2016

VIS(VS10)SAI- 1016

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

1

ALLIANZ LIFE

Allianz Life is a stock life insurance company organized under the laws of the state of Minnesota in 1896. We are a subsidiary of Allianz of America, Inc. (AZOA), a financial holding company. AZOA is a subsidiary of Allianz SE, a provider of integrated financial services. Allianz SE is headquartered in Munich, Germany, and has sales outlets throughout the world. We offer fixed and variable annuities and individual life insurance.

Allianz Life does not have a separate custodian for the assets owned through the Separate Account. Most mutual fund shares are not in certificated form, and as such, Allianz Life in effect acts as self custodian for the non-certificated shares we own through the Separate Account.

EXPERTS

The financial statements of Allianz Life Variable Account B as of and for the year or period ended December 31, 2015 (including the statements of changes in net assets for each of the years or periods in the two year period then ended and the financial highlights for each of the periods presented) and the consolidated financial statements and supplemental schedules of Allianz Life Insurance Company of North America as of December 31, 2015 and 2014 and for each of the years in the three-year period ended December 31, 2015, are included in Part C of the Registration Statement in reliance upon the reports of KPMG LLP, independent registered public accounting firm, also included in Part C, and upon the authority of said firm as experts in accounting and auditing. The principal business address of KPMG LLP is 4200 Wells Fargo Center, 90 South Seventh Street, Minneapolis, MN.

LEGAL OPINIONS

Stewart D. Gregg, Senior Securities Counsel of Allianz Life, has provided legal advice on certain matters in connection with the issuance of the Contracts.

DISTRIBUTOR

Allianz Life Financial Services, LLC (Allianz Life Financial), a wholly owned subsidiary of Allianz Life Insurance Company of North America, acts as the distributor.

We pay commissions for Contract sales. Allianz Life Financial passes through most of the commissions it receives to the selling firms. Allianz Life Financial received commissions for contracts issued under Allianz Life Variable Account B in the following amounts during the last three calendar years:

Calendar Year	Aggregate Amount of Commissions Paid to Allianz Life Financial		Aggregate Amount of Commissions Retained by Allianz Life Financial After Payments to Selling Firms
2013	$	263,039,138.09	$	0
2014	$	232,295,443.17	$	0
2015	$	224,176,680.19	$	0

Allianz Life Financial sells contracts issued by Allianz Life primarily through "wholesaling," in which Allianz Life Financial sells contracts through a large group of mostly non-affiliated broker/dealer firms. Currently, Allianz Life Financial has agreements with approximately 829 retail broker/dealers to sell its contracts. As described in the prospectus, Allianz Life Financial may pay marketing support payments to certain third-party firms for marketing our contracts. Currently, Allianz Life Financial makes marketing support payments to approximately 53 broker-dealer firms. These payments vary in amount. In 2015, the five firms receiving the largest payments, ranging from $1,175,423 to $6,676,609, are listed below. Marketing support payments may also be made to managers of Investment Options or their affiliates for providing Investment Option information and marketing support.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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Firm Name

LPL Financial Network

Wells Fargo

RCAP

AIG

National Planning Holdings

FEDERAL TAX STATUS

NOTE: The following description is based upon our understanding of current federal income tax law applicable to annuities in general. We cannot predict the probability that any changes in such laws will be made. Purchasers are cautioned to seek competent tax advice regarding the possibility of such changes. We do not guarantee the tax status of the Contracts. Purchasers bear the complete risk that the Contracts may not be treated as "annuity contracts" under federal income tax laws. It should be further understood that the following discussion is not exhaustive and that special rules not described herein may be applicable in certain situations. Moreover, no attempt has been made to consider any applicable state or other tax laws.

ANNUITY CONTRACTS IN GENERAL

Annuity contracts are a means of setting aside money for future needs – usually retirement. Congress recognized the importance of saving for retirement and provided special rules in the Internal Revenue Code (Code) for annuities.

These rules generally provide that you will not be taxed on any earnings on the money held in your annuity until you take the money out. This is called tax deferral. There are different rules regarding how you will be taxed, depending upon how you take the money out and whether the annuity is Qualified or Non-Qualified (see the following discussion in this section).

If you do not purchase the Contract under a tax qualified retirement plan, the Contract is referred to as a Non-Qualified Contract.

TAXATION OF ANNUITIES IN GENERAL

Section 72 of the Internal Revenue Code of 1986, as amended (the Code) governs taxation of annuities in general. An Owner is generally not taxed on increases in the value of a Contract until distribution occurs, either in the form of withdrawals or as Annuity Payments. For a full withdrawal (total redemption), a partial withdrawal, or a death benefit, the recipient is taxed on the portion of the payment that exceeds your investment in the Contract (often referred to as cost basis). For Non-Qualified Contracts, this cost basis is generally the Purchase Payments, while for Qualified Contracts there is generally no cost basis. The taxable portion of the withdrawal or annuity payment is taxed at ordinary income tax rates. For Non-Qualified Contracts, the taxable portion of a partial withdrawal is the portion of the payment considered to be gain in the Contract (for example, the difference, if any, between the Contract Value immediately before the withdrawal, unreduced by any withdrawal charges, and the Contract's cost basis). For a full withdrawal, the amount received that exceeds the Contract's cost basis is taxable. Withdrawals, whether partial or full, and annuity payments may also be subject to an additional federal tax equal to 10% of the taxable amount.

For variable Annuity Payments from Non-Qualified Contracts, the portion of each payment included in income equals the excess of the payment over the exclusion amount. The exclusion amount for variable Annuity Payments is determined by dividing the investment in the Contract (adjusted for any period certain or refund guarantee) by the number of years over which the annuity is expected to be paid (which is determined by Treasury Regulations). For fixed Annuity Payments from Non-Qualified Contracts, the portion of each payment included in income is determined by an exclusion ratio. We determine the exclusion ratio for fixed Annuity Payments by dividing the investment in the Contract (adjusted for any period certain or refund guarantee) by the expected return anticipated to be paid as fixed Annuity Payments (which is determined by Treasury Regulations). We determine the amount of each fixed Annuity Payment that is excluded from income by multiplying the fixed Annuity Payment by the exclusion ratio. Fixed Annuity Payments received after the investment in the Contract has been recovered (for example, when the total of the exclusion amounts equal the investment in the Contract) are fully taxable. The taxable portion of an Annuity Payment is taxed at ordinary income tax rates. Generally, Annuity Payments from Qualified Contracts are fully taxable. Annuity Payments that are qualified distributions from Roth IRAs are income tax free. Owners, Annuitants and Beneficiaries under the Contracts should seek competent financial advice about the tax consequences of any distributions.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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We are taxed as a life insurance company under the Code. For federal income tax purposes, the Separate Account is not a separate entity from us, and its operations form a part of Allianz Life.

QUALIFIED CONTRACTS

If you purchase the Contract under a pension or retirement plan that is qualified under the Code, the Contract is referred to as a Qualified Contract. Qualified Contracts are subject to special rules. Adverse tax consequences may result if contributions, distributions, and transactions in connection with the Qualified Contract do not comply with the law.

A Qualified Contract does not provide any necessary or additional tax deferral if it is used to fund a qualified plan that is tax deferred. However, the Contract has features and benefits other than tax deferral that may make it an appropriate investment for a qualified plan. You should consult your tax adviser regarding these features and benefits before purchasing a Qualified Contract.

Types of Qualified Contracts

We may issue the following types of Qualified Contracts.

· 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.

Qualified Plans: Pension and Profit-Sharing Plans. A qualified plan is a retirement or pension plan that meets the requirements for tax qualification under the Code. Sections 401(a) and 401(k) of the Code permit employers, including self-employed individuals, to establish various types of retirement plans for employees. These retirement plans may permit the purchase of the Contracts to provide benefits under the plan. Contributions to the plan for the benefit of employees are not included in the gross income of the employee until distributed from the plan. The tax consequences to participants may vary, depending upon the particular plan design. However, the Code places limitations and restrictions on all plans, including on such items as: amount of allowable contributions; form, manner and timing of distributions; transferability of benefits; vesting and nonforfeitability of interests; nondiscrimination in eligibility and participation; and the tax treatment of distributions and withdrawals. Participant loans are not allowed under the Contracts purchased in connection with these plans.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

4

If the Contract is an investment for assets of a qualified plan under Section 401 of the Code, the plan is both the Owner and the Beneficiary. The authorized signatory or plan trustee for the plan must make representations to us that the plan is qualified under the Code on the Issue Date and is intended to continue to be qualified for the entire Accumulation Phase of the Contract, or as long as the qualified plan owns the Contract. The qualified plan may designate a third party administrator to act on its behalf. All tax reporting is the responsibility of the plan. In the event the qualified plan instructs us to roll the plan assets into an IRA for the Annuitant under this Contract, we change the qualification type of the Contract to an IRA and make the Annuitant the Owner. The qualified plan is responsible for any reporting required for the rollover transactions.

Purchasers of Contracts for use with pension or profit-sharing plans should obtain competent tax advice as to the tax treatment and suitability of such an investment. We may choose not to allow pension or profit-sharing plans to purchase this Contract.

PURCHASING A QUALIFIED CONTRACT

The Contract is designed to be used under various types of qualified plans. Because of the minimum Purchase Payment requirements, these Contracts may not be appropriate for some periodic payment retirement plans. Taxation of participants in each Qualified Contract varies with the type of plan and terms and conditions of each specific plan. Owners, Annuitants and Beneficiaries are cautioned that benefits under a Qualified Contract may be subject to the terms and conditions of the plan regardless of the terms and conditions of the Contracts issued pursuant to the plan. Some retirement plans are subject to distribution and other requirements that are not incorporated into our administrative procedures. We are not bound by the terms and conditions of such plans to the extent such terms conflict with the terms of a Contract, unless we specifically consent to be bound. Owners, participants and Beneficiaries are responsible for determining that contributions, distributions and other transactions with respect to the Contracts comply with applicable law.

The tax rules regarding qualified plans are very complex and have differing applications, depending on individual facts and circumstances. Each purchaser should obtain competent tax advice before purchasing a Contract issued under a qualified plan.

On July 6, 1983, the Supreme Court decided in Arizona Governing Committee v. Norris that optional annuity benefits provided under an employer's deferred compensation plan could not, under Title VII of the Civil Rights Act of 1964, vary between men and women. The Contracts sold by us in connection with qualified plans may utilize annuity tables that do not differentiate on the basis of sex.

Generally, Contracts issued pursuant to qualified plans are not transferable except upon withdrawal or annuitization. Various penalty and excise taxes may apply to contributions or distributions made in violation of applicable limitations. Furthermore, certain withdrawal penalties and restrictions may apply to withdrawals from Qualified Contracts.

Many withdrawals from Qualified Contracts can be rolled over to an IRA or another qualified retirement plan. If you receive a withdrawal from a Qualified Contract that could be rolled over and you do not elect to make a direct rollover of that amount to an IRA or qualified plan, by law 20% of the taxable amount must be withheld for taxes. In situations where this mandatory tax withholding does not apply, other tax amounts may be withheld unless you elect out of the withholding. You may request more detailed information about income tax withholding at the time of a withdrawal. For more information, see prospectus section 7, Taxes – Distributions – Qualified Contracts.

An IRA to IRA indirect rollover can occur only once in any twelve month period from all of the IRAs you currently own.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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DISTRIBUTIONS – QUALIFIED CONTRACTS

Distributions from Qualified Contracts are subject to ordinary income tax. Special rules may apply to withdrawals from certain types of Qualified Contracts, including Roth IRAs. You should consult with your qualified plan sponsor and tax adviser to determine how these rules affect the distribution of your benefits.

Section 72(t) of the Code provides that any amount received under a Qualified Contract, which is included in income, may be subject to an additional federal tax. The amount of the additional federal tax is equal to 10% of the amount that is included in income. Some distributions will be exempt from the additional federal tax. There is an exception to this 10% additional federal tax for:

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.

With respect to (3) above, if the series of substantially equal periodic payments is modified before the later of the Annuitant attaining age 59½ or the close of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10% additional federal tax, plus interest for the tax years in which the exception was used. A partial withdrawal taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. You should obtain competent tax advice before you take any partial withdrawals from your Contract. Adding Purchase Payments to a Contract that is making substantially equal periodic payments will also result in a modification of the payments.

Distributions from a Qualified Contract must commence no later than the required beginning date. For Roth IRAs, no distributions are required during the Owner's lifetime. For IRAs other than Roth IRAs, the required beginning date is April 1 of the calendar year following the year in which you attain age 70½. Under a qualified plan, the required beginning date is generally April 1 of the calendar year following the later of the calendar year in which you reach age 70½ or retire. Generally, required minimum distributions must be made over a period not exceeding the life or life expectancy of the individual or the joint lives or life expectancies of the individual and his or her designated Beneficiary. If the required minimum distributions are not made, a 50% additional federal tax is imposed as to the amount not distributed. It is unclear whether a partial withdrawal taken after an Income Date will have an adverse impact on the determination of required minimum distributions. If you are attempting to satisfy these rules through partial withdrawals, the present value of future benefits provided under the Contract may need to be included in calculating the amount required to be distributed. If you are receiving Annuity Payments or are age 70½ or older, you should consult with a tax adviser before taking a partial withdrawal.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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DISTRIBUTIONS – NON-QUALIFIED CONTRACTS

You, as an individual Owner, generally will not be taxed on increases in the value of the Contract until an actual or deemed distribution occurs – either as a withdrawal or as Annuity Payments.

Section 72 of the Code governs treatment of distributions. When a withdrawal from a Non-Qualified Contract occurs, the amount received will generally be treated as ordinary income subject to tax up to an amount equal to the excess (if any) of the Contract Value immediately before the distribution over your investment in the Contract (generally, the Purchase Payments or other consideration paid for the Contract, reduced by any amount previously distributed from the Contract that was not subject to tax) at that time. Lifetime Plus Payments and Income Focus Payments are treated as partial withdrawals. While the Benefit Base is greater than the Contract Value, if you begin receiving Lifetime Plus Payments or Income Focus Payments, it is possible that the IRS could assert that the amount you receive will be taxable as ordinary income up to an amount equal to the excess of the Benefit Base immediately before the withdrawal over your investment in the Contract at that time. In the case of a full withdrawal under a Non-Qualified Contract, the amount received generally will be taxable only to the extent it exceeds your investment in the Contract.

If you take an annuitization, different rules apply. Periodic installments (for example, Annuity Payments) scheduled to be received at regular intervals (for example, monthly) should be treated as annuity payments (and not withdrawals) for tax purposes. Upon annuitization, a portion of each Annuity Payment may be treated as a partial return of your Purchase Payment and will not be taxed. The remaining portion of the payment will be treated as ordinary income. How the Annuity Payment is divided between taxable and non-taxable portions depends upon the period over which we expect to make the payments. Once we have paid your total Purchase Payment(s), the entire Annuity Payment is taxable as ordinary income.

Section 72 of the Code further provides that any amount received under an annuity contract, which is included in income, may be subject to an additional federal tax. The amount of the additional federal tax is equal to 10% of the amount that is included in income. Some distributions will be exempt from the additional federal tax. There is an exception to this 10% additional federal tax for amounts:

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.

With respect to (4) above, if the series of substantially equal periodic payments is modified before the later of your attaining age 59½ or the close of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10% additional federal tax, plus interest, for the tax years in which the exception was used. A partial withdrawal taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. Adding Purchase Payments to a Contract that is making substantially equal periodic payments will also result in a modification of the payments.

REQUIRED DISTRIBUTIONS

Section 72(s) of the Code requires that, to be treated as an annuity contract for federal income tax purposes, a Non‑Qualified Contract must contain certain provisions regarding distributions when an Owner dies. Specifically, Section 72(s) requires that: (a) if an Annuitant dies on or after a Full Annuitization, but before distribution of the entire Contract's interest, the entire Contract's interest must be distributed at least as rapidly as under the distribution method being used as of the Annuitant's date of death; and (b) if any Owner (or the Annuitant if the Owner is a non-individual) dies before a Full Annuitization, the Contract's entire interest must be distributed within five years after the Owner's date of death. These requirements are satisfied as to any part of an Owner's interest that is payable to, or for the benefit of, a designated Beneficiary and distributed over the designated Beneficiary's life, or over a period not extending beyond that Beneficiary's life expectancy, provided that distributions begin within one year of the Owner's death. The designated Beneficiary refers to an individual designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death. However, if the designated Beneficiary is the deceased Owner's surviving spouse, the surviving spouse can continue the Contract as the new Owner.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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Non-Qualified Contracts contain provisions that are intended to comply with these Code requirements.

Other rules may apply to Qualified Contracts.

DIVERSIFICATION

Code Section 817(h) imposes diversification standards on the assets underlying variable annuity contracts. The Code provides that a variable annuity contract cannot be treated as an annuity contract for any period during which its investments are not adequately diversified as required by the United States Treasury Department (Treasury Department). If the Contract no longer qualifies as an annuity contract, you would be subject to federal income tax each year with respect to Contract earnings accrued. The Code contains a safe harbor provision which provides that annuity contracts, such as this Contract, meet the diversification standards if, as of the end of each quarter, the Contract's underlying assets meet the diversification standards for a regulated investment company and no more than 55% of the total assets consist of cash, cash items, U.S. government securities and securities of other regulated investment companies.

Treasury Regulations (Treasury Reg. 1.817-5) amplify the Code's diversification standards for variable contracts and provide an alternative to this safe harbor provision. We intend that all Contract Investment Options be managed by the investment advisers so that they comply with these diversification standards.

OWNER CONTROL

The Treasury Department has indicated that the diversification regulations do not provide guidance regarding the circumstances in which an Owner's control of the Separate Account's investments may cause the Owner to be treated as the owner of the Separate Account's assets, which would cause the Contract to lose its favorable tax treatment. In certain circumstances, variable annuity contract owners have been considered for federal income tax purposes to be the owners of the separate account's assets, due to their ability to exercise investment control over those assets. In this case, the contract owners have been currently taxed on income and gains attributable to the variable account assets. There is little guidance in this area and some of our Contracts' features, such as the flexibility of an Owner to allocate Purchase Payments and transfer amounts among the Investment Options have not been explicitly addressed in published rulings. While we believe that the Contracts do not give Owners investment control over Separate Account assets, we reserve the right to modify the Contracts as necessary to prevent an Owner from being treated as the owner of the Separate Account assets.

CONTRACTS OWNED BY NON-INDIVIDUALS

When a Non-Qualified Contract is owned by a non-individual (other than a trust holding the Contract as an agent for an individual), the Contract is not generally treated as an annuity for tax purposes. This means that the Contract may not receive the benefits of tax deferral and Contract earnings may be taxed as ordinary income every year.

ANNUITY PURCHASES BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS

The preceding discussion provides general information regarding federal income tax consequences to Owners that are U.S. citizens or residents. Owners that are not U.S. citizens or residents are generally subject to 30% federal withholding tax on distributions, unless a lower treaty rate applies. In addition, Owners may be subject to state and/or municipal taxes and taxes that may be imposed by the Owners' country of citizenship or residence. Prospective purchasers are advised to consult with a qualified tax adviser regarding U.S. state, and foreign taxation with respect to an annuity contract purchase.

INCOME TAX WITHHOLDING

Any part of a distribution that is included in the Owner's gross income is subject to federal income tax withholding. Generally, we withhold amounts from periodic payments at the same rate as wages, and we withhold 10% from non-periodic payments. However, in most cases, you may elect not to have taxes withheld or to have withholding done at a different rate.

Certain distributions from retirement plans qualified under Code Section 401, that are not directly rolled over to another eligible retirement plan or IRA, are subject to a mandatory 20% federal income tax withholding. The 20% withholding requirement generally does not apply to:

· 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.

Participants should consult a tax adviser regarding withholding requirements.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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MULTIPLE CONTRACTS

Code Section 72(e)(12) provides that multiple Non-Qualified deferred annuity contracts issued within the same calendar year to the same owner by one company or its affiliates are treated as one annuity contract for purposes of determining a distribution's tax consequences. This treatment may result in adverse tax consequences, including more rapid taxation of distribution from combined contracts. For purposes of this rule, contracts received in a Section 1035 exchange are considered issued in the year of the exchange. You should consult a tax adviser before purchasing more than one Non-Qualified Contract in any calendar year period.

PARTIAL 1035 EXCHANGES

Code Section 1035 provides that an annuity contract may be exchanged in a tax-free transaction for another annuity contract. Historically, it was presumed that only the exchange of an entire contract (as opposed to a partial exchange) would be accorded tax-free status. IRS guidance however, confirmed that the direct transfer of a part of an annuity contract into another annuity contract can qualify as a non-taxable exchange. IRS guidance provides that this direct transfer can go into an existing annuity contract as well as a new annuity contract. If you perform a partial 1035 exchange, please be aware that no distributions or withdrawals can occur from the old or new annuity contract within 180 days of the partial exchange, unless you qualify for an exception to this rule. IRS guidance also provides that certain partial exchanges may not qualify as tax-free exchanges. Therefore, Owners should consult their own tax advisers before partial exchanging an annuity contract.

ASSIGNMENTS, PLEDGES AND GRATUITOUS TRANSFERS

Any assignment or pledge (or agreement to assign or pledge) the Contract Value is treated for federal income tax purposes as a full withdrawal. Qualified Contracts generally cannot be assigned or pledged. For Non-Qualified Contracts, the Contract's cost basis is increased by the amount includible as income with respect to such amount or portion, though it is not affected by any other aspect of the assignment or pledge (including its release). If an Owner transfers a Contract without adequate consideration to a person other than their spouse (or to a former spouse incidental to divorce), the Owner is taxed on the difference between his or her Contract Value and the Contract's cost basis at the time of transfer and for each subsequent year until the assignment is released. In such case, the transferee's investment in the Contract is increased to reflect the increase in the transferor's income.

The transfer or assignment of Contract ownership, the designation of an Annuitant, the selection of certain Income Dates, or a Contract exchange may result in other tax consequences that are not discussed here. An Owner should consult a tax adviser before requesting a transfer, assignment, or exchange.

DEATH BENEFITS

Generally, any death benefit is taxable to the recipient as ordinary income. The rules governing the taxation of payments from an annuity contract generally apply to the payment of death benefits and depend on whether the death benefits are paid as a lump sum or as Annuity Payments.

SPOUSAL CONTINUATION AND THE FEDERAL DEFENSE OF MARRIAGE ACT (DOMA)

Before June 26, 2013, pursuant to Section 3 of DOMA, same-sex marriages were not recognized for purposes of federal law. On that date, the U.S. Supreme Court held in United States v. Windsor that Section 3 of DOMA is unconstitutional. Valid same-sex marriages are now recognized under federal law for tax purposes.

The IRS has clarified its position regarding when a same-sex marriage will be recognized for federal tax purposes. If a couple is married in a jurisdiction (including a foreign country) that recognizes same-sex marriage, that marriage will be recognized for all federal tax purposes regardless of the law in the jurisdiction where they reside. However, the IRS did not recognize civil unions and registered domestic partnerships as marriages for federal tax purposes. Depending on the state in which your Contract is issued, we may offer certain spousal benefits to same-sex civil union couples, domestic partners or spouses. You should be aware, however, that, if state law does not recognize the civil union or registered domestic partnership as a marriage, we cannot permit the surviving partner/spouse to continue the Contract within the meaning of the federal tax law.

Same-sex civil union couples, domestic partners and spouses should contact their financial professional and a qualified tax adviser regarding their personal tax situation, the implications of any Contract benefits based on a spousal relationship, and their partner's/spouse's rights and benefits under the Contract.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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FEDERAL ESTATE TAXES

While no attempt is being made to discuss the Contract's federal estate tax implications, an Owner should keep in mind the annuity contract's value payable to a Beneficiary upon the Owner's death is included in the deceased Owner's gross estate. Depending on the annuity contract, the annuity's value included in the gross estate may be the value of the lump sum payment payable to the designated Beneficiary, or the actuarial value of the payments to be received by the Beneficiary. Consult an estate planning adviser for more information.

GENERATION-SKIPPING TRANSFER TAX

The Code may impose a "generation-skipping transfer tax" when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations may require us to deduct this tax from your Contract, or from any applicable payment, and pay it directly to the IRS.

FOREIGN TAX CREDITS

We may benefit from any foreign tax credits attributable to taxes paid by certain funds to foreign jurisdictions to the extent permitted under the federal tax law.

POSSIBLE TAX LAW CHANGES

Although the likelihood of legislative or regulatory changes is uncertain, there is always the possibility that the Contract's tax treatment could change. Consult a tax adviser with respect to legislative or regulatory developments and their effect on the Contract.

We have the right to modify the Contract in response to legislative or regulatory changes that could otherwise diminish the favorable tax treatment that annuity owners currently receive. We make no guarantee regarding the tax status of any contract and do not intend the above discussion as tax advice.

ANNUITY PAYMENTS

We base Annuity Payments on your Contract Value. We guarantee the dollar amount of fixed Annuity Payments (equal installments) and this amount does not change except as provided under Annuity Option 3. If you request fixed Annuity Payments, the amount of Contract Value that you apply to fixed Annuity Payments is placed in our general account and does not participate in the Investment Options' performance. Fixed Annuity Payments are based on an interest rate and mortality table specified in your Contract. Your Contract's fixed Annuity Payment rates are guaranteed and we cannot use lower rates.

Variable payments are not predetermined and the dollar amount varies with your selected Investment Options' performance. We use annuity units to determine your variable Annuity Payment amount.

Annuity Payments end upon the earliest of the following.

· 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.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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ANNUITY PAYMENT OPTIONS

The Annuity Payment Options are briefly described in prospectus section 11 – The Annuity Phase, and we included additional information that you may find helpful here.

Option 1. Life Annuity. We make Annuity Payments during the life of the Annuitant, and the last payment is the one that is due before the Annuitant's death. If the Annuitant dies shortly after the Income Date, the Payee may receive less than your investment in the Contract.

Option 2. Life Annuity with Payments Over 5, 10, 15 or 20 Years Guaranteed. We make Annuity Payments during the life of the Annuitant. If you take one single Full Annuitization and the Annuitant dies before the end of the selected guaranteed period, we continue to make Annuity Payments to the Payee for the rest of the guaranteed period. If the Payee and Annuitant were the same person, we make payments to the Owner. If the Payee, Annuitant and Owner were the same person, we make payments to the Beneficiary(s). If the Annuitant dies after the selected guaranteed period, the last payment is the one that is due before the Annuitant's death. Alternatively, the Owner may elect to receive a lump sum payment. Under a Partial Annuitization, if the Annuitant dies before the end of the selected guaranteed period, we make a lump sum payment to the Beneficiary. The lump sum payment is equal to the present value of the remaining guaranteed Annuity Payments as of the date we receive proof of the Annuitant's death and a payment election form at our Service Center. For variable Annuity Payments, in most states, we base the remaining guaranteed Annuity Payments on the current value of the annuity units and we use the assumed investment rate to calculate the present value. For fixed payouts, in most states, we calculate the present value of the remaining guaranteed Annuity Payments using the Statutory Calendar Year Interest Rate based on the NAIC Standard Valuation Law for Single Premium Immediate Annuities corresponding to the Income Date. However, some states require us to use different interest rates for variable and fixed payouts for the present value calculation. We require proof of the Annuitant's death and return of the Contract before we make any lump sum payment on a Full Annuitization. There are no additional costs associated with a lump sum payment.

Option 3. Joint and Last Survivor Annuity. We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving joint Annuitant, at a level of 100%, 75% or 50% of the previous amount, as selected by the Owner. Annuity Payments stop with the last payment that is due before the last surviving joint Annuitant's death. If both Annuitants die shortly after the Income Date, the Payee may receive less than your investment in the Contract. This Annuity Option is not available under a Partial Annuitization.

Option 4. Joint and Last Survivor Annuity with Payments Over 5, 10, 15 or 20 Years Guaranteed. We make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments continue to the Payee during the lifetime of the surviving joint Annuitant at 100% of the amount that was paid when both Annuitants were alive. However, if both joint Annuitants die before the end of the selected guaranteed period, we continue to make Annuity Payments to the Payee for the rest of the guaranteed period. If the Payee and Annuitant were the same person, we make payments to the Owner. If the Payee, Annuitant and Owner were the same person, we make payments to the Beneficiary(s). If the Annuitant dies after the selected guaranteed period, the last payment is the one that is due before the Annuitant's death. Alternatively, the Owner may elect to receive a lump sum payment equal to the present value of the remaining guaranteed Annuity Payments as of the date we receive proof of the last surviving joint Annuitant's death and a payment election form at our Service Center. For variable Annuity Payments, in most states, we base the remaining guaranteed Annuity Payments on the current value of the annuity units and we use the assumed investment rate to calculate the present value. For fixed payouts, in most states, we calculate the present value of the remaining guaranteed Annuity Payments using the Statutory Calendar Year Interest Rate based on the NAIC Standard Valuation Law for Single Premium Immediate Annuities corresponding to the Income Date. However, some states require us to use different interest rates for variable and fixed payouts for the present value calculation. We require proof of death of both joint Annuitants and return of the Contract before we make any lump sum payment. There are no additional costs associated with a lump sum payment. This Annuity Option is not available under a Partial Annuitization.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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Option 5. Refund Life Annuity. We make Annuity Payments during the lifetime of the Annuitant, and the last payment is the one that is due before the Annuitant's death. After the Annuitant's death, the Payee may receive a lump sum refund. For a fixed payout, the amount of the refund equals the amount applied to this Annuity Option minus the total paid under this option.

For variable Annuity Payments, the amount of the refund depends on the current Investment Option allocation and is the sum of refund amounts attributable to each Investment Option. We calculate the refund amount for a given Investment Option using the following formula.

(A) x {[(B) x (C) x (D)/(E)] - [(D) x (F)]}

where:

(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.

We base this calculation upon the allocation of annuity units actually in force at the time due proof of the Annuitant's death is received at our Service Center. We do not pay a refund if the total refund determined using the above calculation is less than or equal to zero.

EXAMPLE

· 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 calculate the refund as follows:

(A) x {[(B) x (C) x (D)/(E)] – [(D) x (F)]} = 10 x {[100,000 x 1.00 x (51.25 / 615)] – [51.25 x 62]} = 10 x {[100,000 x 0.083333] – 3,177.50} = 10 x {8,333.33 – 3,177.50} = 10 x 5,155.83 = $51,558.30

ANNUITY UNITS/CALCULATING VARIABLE ANNUITY PAYMENTS

The first variable Annuity Payment is equal to the Contract Value you apply to variable Annuity Payments on the Income Date, divided first by $1,000 and then multiplied by the appropriate variable annuity payout factor for each $1,000 of value for your selected Annuity Option.

We then purchase a fixed number of annuity units on the Income Date for each subaccount of the Investment Options you select. We do this by dividing the amount of the first Annuity Payment among your selected Investment Options' subaccounts according to your future Purchase Payment allocation instructions. We then divide the Annuity Payment amount in each subaccount by the subaccount's annuity unit value.

We determine the annuity unit value on each Business Day as follows:

· 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.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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The assumed net investment factor for the current Business Day is one plus the annual assumed investment rate (AIR) adjusted to reflect the number of calendar days that lapsed since the immediately preceding Business Day. We allow an AIR of 3%, 5% or 7% based on your selection and applicable state law.

Thereafter, the number of subaccount annuity units remains unchanged unless you make a transfer. However, the number of annuity units changes if Annuity Option 3 is in effect, one Annuitant dies, and you requested Annuity Payments at 75% or 50% of the previous payment amount. All calculations appropriately reflect your selected payment frequency.

The Annuity Payment on each subsequent payment date is equal to the sum of the Annuity Payments for each subaccount. We determine the Annuity Payment for each subaccount by multiplying the subaccount's number of annuity units by the annuity unit value on the payment date.

FINANCIAL STATEMENTS

The audited consolidated financial statements of Allianz Life as of and for the year ended December 31, 2015 are included in Part C of the Registration Statement and are incorporated herein by reference. The financial statements should be considered only as bearing upon the ability of Allianz Life to meet its obligations under the Contracts. The audited financial statements of the Separate Account as of and for the year ended December 31, 2015 are also included in Part C of the Registration Statement and are incorporated herein by reference.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

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APPENDIX A – DEATH OF THE OWNER AND/OR ANNUITANT

The following tables are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different portions of the Contract.

UPON THE DEATH OF A SOLE OWNER
Action under any portion of the Contract that is in the Accumulation Phase	Action under any portion of the Contract that 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.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

14

UPON THE DEATH OF A JOINT OWNER (NOTE: Joint Owners cannot take Partial Annuitizations)
Action under any portion of the Contract that is in the Accumulation Phase	Action under any portion of the Contract that 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.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

15

UPON THE DEATH OF AN ANNUITANT AND THERE IS NO SURVIVING JOINT ANNUITANT
Action under any portion of the Contract that is in the Accumulation Phase	Action under any portion of the Contract that 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.

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

16

APPENDIX B – CONDENSED FINANCIAL INFORMATION

The financial statements of Allianz Life Insurance Company of North America and the financial statements of Allianz Life Variable Account B are included in Part C of the Registration Statement.

Accumulation unit value (AUV) information corresponding to the highest and lowest combination of M&E charges for the Contract as of the end of the most recent calendar year are found in the prospectus – Appendix B. A separate rider charge may also apply to your Contract if you select Income Protector, Income Focus or Investment Protector, which is not reflected in the table below. See the Fee Tables for further information regarding the rider charge. AUV information for the additional combinations of charges are found below.

This information should be read in conjunction with the financial statements and related Separate Account notes that are included in Part C of the Registration Statement.

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%

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

17

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.

NOTE: A qualifying event is the reset of a Lifetime Benefit's guaranteed value or an automatic annual Lifetime Plus Payment increase that occurred on or after April 29, 2013.

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%

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

18

(Number of Accumulation Units in thousands)

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

Allianz NFJ Dividend Value VIT Portfolio

1.65%

12/31/2014N/A14.12151

12/31/201514.12112.66035

1.70%

12/31/2014N/A14.1056

12/31/201514.10512.63914

1.75%

12/31/2014N/A14.0886

12/31/201514.08812.6187

1.95%

12/31/2014N/A14.02311

12/31/201514.02312.5344

2.05%

12/31/2014N/A13.9900

12/31/201513.99012.4920

AZL Balanced Index Strategy Fund

1.65%

12/31/2009N/A10.030187

12/31/201010.03010.9011560

12/31/201110.90110.9822893

12/31/201210.98211.9133012

12/31/201311.91313.2333068

12/31/201413.23313.8122974

12/31/201513.81213.5882447

1.70%

12/31/2009N/A10.029144

12/31/201010.02910.8951290

12/31/201110.89510.9702322

12/31/201210.97011.8942383

12/31/201311.89413.2052352

12/31/201413.20513.7762274

12/31/201513.77613.5462155

1.75%

12/31/2009N/A10.02831

12/31/201010.02810.888140

12/31/201110.88810.958295

12/31/201210.95811.875282

12/31/201311.87513.178282

12/31/201413.17813.741280

12/31/201513.74113.504260

1.80%

12/31/2009N/A10.0271379

12/31/201010.02710.8821435

12/31/201110.88210.9461549

12/31/201210.94611.8561597

12/31/201311.85613.1501950

12/31/201413.15013.7052045

12/31/201513.70513.4622324

1.95%

12/31/2009N/A10.024532

12/31/201010.02410.863872

12/31/201110.86310.9101404

12/31/201210.91011.7991536

12/31/201311.79913.0671730

12/31/201413.06713.5991870

12/31/201513.59913.3371630

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2009N/A10.022796

12/31/201010.02210.850868

12/31/201110.85010.886516

12/31/201210.88611.762546

12/31/201311.76213.013645

12/31/201413.01313.528596

12/31/201513.52813.255786

2.10%

12/31/2009N/A10.021820

12/31/201010.02110.8431066

12/31/201110.84310.8741252

12/31/201210.87411.7431930

12/31/201311.74312.9862249

12/31/201412.98613.4932465

12/31/201513.49313.2143229

2.15%

12/31/2009N/A10.02079

12/31/201010.02010.83749

12/31/201110.83710.86247

12/31/201210.86211.72452

12/31/201311.72412.95866

12/31/201412.95813.45869

12/31/201513.45813.17358

2.20%

12/31/2009N/A10.019497

12/31/201010.01910.830481

12/31/201110.83010.850472

12/31/201210.85011.705441

12/31/201311.70512.931464

12/31/201412.93113.423467

12/31/201513.42313.132556

2.25%

12/31/2009N/A10.018317

12/31/201010.01810.824298

12/31/201110.82410.839295

12/31/201210.83911.687298

12/31/201311.68712.904325

12/31/201412.90413.388325

12/31/201513.38813.092366

2.30%

12/31/2009N/A10.01711

12/31/201010.01710.81714

12/31/201110.81710.82716

12/31/201210.82711.66813

12/31/201311.66812.87712

12/31/201412.87713.35416

12/31/201513.35413.05123

2.35%

12/31/2009N/A10.0161477

12/31/201010.01610.8111438

12/31/201110.81110.8151529

12/31/201210.81511.6491501

12/31/201311.64912.8501438

12/31/201412.85013.3191380

12/31/201513.31913.0111324

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

19

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.40%

12/31/2009N/A10.015183

12/31/201010.01510.804271

12/31/201110.80410.803323

12/31/201210.80311.631347

12/31/201311.63112.823352

12/31/201412.82313.284427

12/31/201513.28412.971411

2.45%

12/31/2009N/A10.014190

12/31/201010.01410.798210

12/31/201110.79810.791203

12/31/201210.79111.612202

12/31/201311.61212.796212

12/31/201412.79613.250166

12/31/201513.25012.931215

2.50%

12/31/2009N/A10.0131439

12/31/201010.01310.7921483

12/31/201110.79210.7791457

12/31/201210.77911.5941389

12/31/201311.59412.7691182

12/31/201412.76913.2161096

12/31/201513.21612.8911114

2.55%

12/31/2009N/A10.013142

12/31/201010.01310.785124

12/31/201110.78510.768112

12/31/201210.76811.575119

12/31/201311.57512.743143

12/31/201412.74313.181182

12/31/201513.18112.851132

2.60%

12/31/2009N/A10.012456

12/31/201010.01210.779484

12/31/201110.77910.756406

12/31/201210.75611.557348

12/31/201311.55712.716404

12/31/201412.71613.147481

12/31/201513.14712.811516

2.65%

12/31/2009N/A10.011687

12/31/201010.01110.772644

12/31/201110.77210.744638

12/31/201210.74411.538596

12/31/201311.53812.689555

12/31/201412.68913.113541

12/31/201513.11312.771476

2.70%

12/31/2009N/A10.01059

12/31/201010.01010.76659

12/31/201110.76610.73251

12/31/201210.73211.52049

12/31/201311.52012.66375

12/31/201412.66313.07964

12/31/201513.07912.73259

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.75%

12/31/2009N/A10.009413

12/31/201010.00910.759436

12/31/201110.75910.721337

12/31/201210.72111.501315

12/31/201311.50112.636265

12/31/201412.63613.045351

12/31/201513.04512.692326

2.80%

12/31/2009N/A10.008263

12/31/201010.00810.753258

12/31/201110.75310.709247

12/31/201210.70911.483252

12/31/201311.48312.610264

12/31/201412.61013.011228

12/31/201513.01112.653201

2.85%

12/31/2009N/A10.00772

12/31/201010.00710.74778

12/31/201110.74710.69774

12/31/201210.69711.46574

12/31/201311.46512.58396

12/31/201412.58312.97772

12/31/201512.97712.61471

2.90%

12/31/2009N/A10.006145

12/31/201010.00610.740149

12/31/201110.74010.685117

12/31/201210.68511.446117

12/31/201311.44612.557154

12/31/201412.55712.944174

12/31/201512.94412.575188

2.95%

12/31/2009N/A10.005269

12/31/201010.00510.734255

12/31/201110.73410.674208

12/31/201210.67411.428189

12/31/201311.42812.531184

12/31/201412.53112.910136

12/31/201512.91012.536127

3.00%

12/31/2009N/A10.0044

12/31/201010.00410.7274

12/31/201110.72710.6624

12/31/201210.66211.4106

12/31/201311.41012.5049

12/31/201412.50412.87735

12/31/201512.87712.49750

3.05%

12/31/2009N/A10.00372

12/31/201010.00310.72185

12/31/201110.72110.65067

12/31/201210.65011.39282

12/31/201311.39212.47873

12/31/201412.47812.84379

12/31/201512.84312.45994

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

20

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2009N/A10.00217

12/31/201010.00210.71518

12/31/201110.71510.63912

12/31/201210.63911.37410

12/31/201311.37412.45215

12/31/201412.45212.81022

12/31/201512.81012.42018

3.15%

12/31/2009N/A10.0010

12/31/201010.00110.7080

12/31/201110.70810.6270

12/31/201210.62711.3550

12/31/201311.35512.4263

12/31/201412.42612.77712

12/31/201512.77712.38213

3.20%

12/31/2013N/A13.9372

12/31/201413.93714.3239

12/31/201514.32313.8746

3.25%

12/31/2013N/A13.9060

12/31/201413.90614.2840

12/31/201514.28413.8290

3.30%

12/31/2013N/A12.3480

12/31/201412.34812.6781

12/31/201512.67812.2670

3.35%

12/31/2013N/A13.8430

12/31/201413.84314.2060

12/31/201514.20613.7391

3.40%

12/31/2013N/A13.8120

12/31/201413.81214.1670

12/31/201514.16713.6940

AZL DFA Multi-Strategy Fund

1.65%

12/31/2009N/A10.062125

12/31/201010.06211.2253759

12/31/201111.22511.04310850

12/31/201211.04312.30911953

12/31/201312.30914.65913656

12/31/201414.65915.36013218

12/31/201515.36015.00810221

1.70%

12/31/2009N/A10.061403

12/31/201010.06111.2193267

12/31/201111.21911.0317257

12/31/201211.03112.2897750

12/31/201312.28914.6288641

12/31/201414.62815.3208646

12/31/201515.32014.9617818

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.75%

12/31/2009N/A10.06025

12/31/201010.06011.212141

12/31/201111.21211.019467

12/31/201211.01912.270478

12/31/201312.27014.598493

12/31/201414.59815.281574

12/31/201515.28114.915409

1.80%

12/31/2009N/A10.059319

12/31/201010.05911.205311

12/31/201111.20511.007328

12/31/201211.00712.250306

12/31/201312.25014.567286

12/31/201414.56715.241256

12/31/201515.24114.869185

1.95%

12/31/2009N/A10.056162

12/31/201010.05611.1851610

12/31/201111.18510.9713956

12/31/201210.97112.1924525

12/31/201312.19214.4764929

12/31/201414.47615.1235078

12/31/201515.12314.7313957

2.05%

12/31/2009N/A10.054112

12/31/201010.05411.172174

12/31/201111.17210.947220

12/31/201210.94712.153219

12/31/201312.15314.415235

12/31/201414.41515.044228

12/31/201515.04414.640127

2.10%

12/31/2009N/A10.0531084

12/31/201010.05311.1651051

12/31/201111.16510.9351006

12/31/201210.93512.133999

12/31/201312.13314.385949

12/31/201414.38515.005907

12/31/201515.00514.595941

2.15%

12/31/2009N/A10.0522

12/31/201010.05211.1592

12/31/201111.15910.9234

12/31/201210.92312.1144

12/31/201312.11414.3553

12/31/201414.35514.9663

12/31/201514.96614.5501

2.20%

12/31/2009N/A10.0511533

12/31/201010.05111.1521475

12/31/201111.15210.9111428

12/31/201210.91112.0951422

12/31/201312.09514.3251427

12/31/201414.32514.9281400

12/31/201514.92814.5051429

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

21

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.25%

12/31/2009N/A10.050600

12/31/201010.05011.145661

12/31/201111.14510.899690

12/31/201210.89912.075722

12/31/201312.07514.295759

12/31/201414.29514.889674

12/31/201514.88914.460545

2.30%

12/31/2009N/A10.0492

12/31/201010.04911.1392

12/31/201111.13910.8872

12/31/201210.88712.0561

12/31/201312.05614.2651

12/31/201414.26514.8500

12/31/201514.85014.4150

2.35%

12/31/2009N/A10.0481824

12/31/201010.04811.1322114

12/31/201111.13210.8752090

12/31/201210.87512.0372179

12/31/201312.03714.2352518

12/31/201414.23514.8122668

12/31/201514.81214.3712741

2.40%

12/31/2009N/A10.047568

12/31/201010.04711.125554

12/31/201111.12510.863524

12/31/201210.86312.018536

12/31/201312.01814.205463

12/31/201414.20514.773455

12/31/201514.77314.326436

2.45%

12/31/2009N/A10.046700

12/31/201010.04611.119689

12/31/201111.11910.851656

12/31/201210.85111.998639

12/31/201311.99814.175628

12/31/201414.17514.735617

12/31/201514.73514.282553

2.50%

12/31/2009N/A10.0451398

12/31/201010.04511.1121601

12/31/201111.11210.8401894

12/31/201210.84011.9792385

12/31/201311.97914.1462718

12/31/201414.14614.6973055

12/31/201514.69714.2382950

2.55%

12/31/2009N/A10.045286

12/31/201010.04511.105370

12/31/201111.10510.828336

12/31/201210.82811.960325

12/31/201311.96014.116301

12/31/201414.11614.659337

12/31/201514.65914.194263

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2009N/A10.044644

12/31/201010.04411.099711

12/31/201111.09910.816827

12/31/201210.81611.941759

12/31/201311.94114.086965

12/31/201414.08614.6211109

12/31/201514.62114.1501076

2.65%

12/31/2009N/A10.043989

12/31/201010.04311.0921056

12/31/201111.09210.8041085

12/31/201210.80411.9221118

12/31/201311.92214.0571218

12/31/201414.05714.5831330

12/31/201514.58314.1061112

2.70%

12/31/2009N/A10.042246

12/31/201010.04211.086265

12/31/201111.08610.792248

12/31/201210.79211.903252

12/31/201311.90314.027246

12/31/201414.02714.545232

12/31/201514.54514.063247

2.75%

12/31/2009N/A10.041186

12/31/201010.04111.079262

12/31/201111.07910.780455

12/31/201210.78011.884503

12/31/201311.88413.998657

12/31/201413.99814.507796

12/31/201514.50714.019844

2.80%

12/31/2009N/A10.040311

12/31/201010.04011.072268

12/31/201111.07210.769297

12/31/201210.76911.865290

12/31/201311.86513.969410

12/31/201413.96914.469532

12/31/201514.46913.976441

2.85%

12/31/2009N/A10.039199

12/31/201010.03911.066198

12/31/201111.06610.757207

12/31/201210.75711.846201

12/31/201311.84613.939192

12/31/201413.93914.432256

12/31/201514.43213.933248

2.90%

12/31/2009N/A10.038185

12/31/201010.03811.059192

12/31/201111.05910.745219

12/31/201210.74511.827216

12/31/201311.82713.910423

12/31/201413.91014.394466

12/31/201514.39413.889362

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

22

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.95%

12/31/2009N/A10.037176

12/31/201010.03711.053164

12/31/201111.05310.733194

12/31/201210.73311.808201

12/31/201311.80813.881200

12/31/201413.88114.357304

12/31/201514.35713.846271

3.00%

12/31/2009N/A10.0363

12/31/201010.03611.0463

12/31/201111.04610.7223

12/31/201210.72211.78911

12/31/201311.78913.85232

12/31/201413.85214.32083

12/31/201514.32013.80492

3.05%

12/31/2009N/A10.03514

12/31/201010.03511.03914

12/31/201111.03910.71050

12/31/201210.71011.77160

12/31/201311.77113.823241

12/31/201413.82314.283233

12/31/201514.28313.761219

3.10%

12/31/2009N/A10.0341

12/31/201010.03411.033101

12/31/201111.03310.69850

12/31/201210.69811.75251

12/31/201311.75213.79444

12/31/201413.79414.24640

12/31/201514.24613.71843

3.15%

12/31/2009N/A10.0330

12/31/201010.03311.0260

12/31/201111.02610.6860

12/31/201210.68611.7333

12/31/201311.73313.76548

12/31/201413.76514.20976

12/31/201514.20913.67680

3.20%

12/31/2013N/A15.9701

12/31/201415.97016.47716

12/31/201516.47715.85112

3.25%

12/31/2013N/A15.9340

12/31/201415.93416.4310

12/31/201516.43115.7992

3.30%

12/31/2013N/A13.6790

12/31/201413.67914.09820

12/31/201514.09813.54921

3.35%

12/31/2013N/A15.8630

12/31/201415.86316.3410

12/31/201516.34115.69713

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.40%

12/31/2013N/A15.8270

12/31/201415.82716.2960

12/31/201516.29615.6460

AZL Emerging Markets Equity Index Fund

1.65%

12/31/2007N/A13.399121

12/31/200813.3996.341205

12/31/20096.34110.71484

12/31/201010.71411.846300

12/31/201111.8469.640517

12/31/20129.64011.476495

12/31/201311.47611.052357

12/31/201411.05210.303251

12/31/201510.3038.829202

1.70%

12/31/2007N/A13.388363

12/31/200813.3886.333521

12/31/20096.33310.695212

12/31/201010.69511.818254

12/31/201111.8189.612401

12/31/20129.61211.438385

12/31/201311.43811.009312

12/31/201411.00910.259266

12/31/201510.2598.786236

1.75%

12/31/2009N/A10.6751

12/31/201010.67511.79120

12/31/201111.7919.58554

12/31/20129.58511.40047

12/31/201311.40010.96723

12/31/201410.96710.21421

12/31/201510.2148.74419

1.80%

12/31/2008N/A6.316137

12/31/20096.31610.656294

12/31/201010.65611.763325

12/31/201111.7639.558316

12/31/20129.55811.362251

12/31/201311.36210.925208

12/31/201410.92510.170137

12/31/201510.1708.702128

1.95%

12/31/2007N/A13.33270

12/31/200813.3326.29075

12/31/20096.29010.597123

12/31/201010.59711.681209

12/31/201111.6819.477251

12/31/20129.47711.249243

12/31/201311.24910.800191

12/31/201410.80010.039170

12/31/201510.0398.576135

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

23

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2008N/A6.27456

12/31/20096.27410.558124

12/31/201010.55811.627164

12/31/201111.6279.424184

12/31/20129.42411.174186

12/31/201311.17410.717144

12/31/201410.7179.95272

12/31/20159.9528.49474

2.10%

12/31/2007N/A13.2980

12/31/200813.2986.265249

12/31/20096.26510.538561

12/31/201010.53811.599605

12/31/201111.5999.397613

12/31/20129.39711.136571

12/31/201311.13610.676599

12/31/201410.6769.909513

12/31/20159.9098.453460

2.15%

12/31/2008N/A6.2573

12/31/20096.25710.51918

12/31/201010.51911.57319

12/31/201111.5739.37016

12/31/20129.37011.10015

12/31/201311.10010.63514

12/31/201410.6359.8669

12/31/20159.8668.41210

2.20%

12/31/2007N/A13.2760

12/31/200813.2766.248297

12/31/20096.24810.500448

12/31/201010.50011.545596

12/31/201111.5459.343609

12/31/20129.34311.062542

12/31/201311.06210.594516

12/31/201410.5949.823480

12/31/20159.8238.371451

2.25%

12/31/2007N/A13.2650

12/31/200813.2656.240140

12/31/20096.24010.480306

12/31/201010.48011.518389

12/31/201111.5189.317405

12/31/20129.31711.025346

12/31/201311.02510.554330

12/31/201410.5549.780331

12/31/20159.7808.331327

2.30%

12/31/2009N/A10.4616

12/31/201010.46111.4919

12/31/201111.4919.2908

12/31/20129.29010.9888

12/31/201310.98810.5136

12/31/201410.5139.7387

12/31/20159.7388.2906

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.35%

12/31/2007N/A13.2430

12/31/200813.2436.223358

12/31/20096.22310.442661

12/31/201010.44211.464757

12/31/201111.4649.264739

12/31/20129.26410.952668

12/31/201310.95210.473585

12/31/201410.4739.696544

12/31/20159.6968.250543

2.40%

12/31/2007N/A13.2320

12/31/200813.2326.215218

12/31/20096.21510.423654

12/31/201010.42311.437569

12/31/201111.4379.238419

12/31/20129.23810.915369

12/31/201310.91510.433340

12/31/201410.4339.654353

12/31/20159.6548.211276

2.45%

12/31/2007N/A13.2210

12/31/200813.2216.207118

12/31/20096.20710.404137

12/31/201010.40411.411163

12/31/201111.4119.212166

12/31/20129.21210.879149

12/31/201310.87910.393112

12/31/201410.3939.61294

12/31/20159.6128.17196

2.50%

12/31/2007N/A13.2090

12/31/200813.2096.198285

12/31/20096.19810.384456

12/31/201010.38411.384471

12/31/201111.3849.186531

12/31/20129.18610.843477

12/31/201310.84310.353439

12/31/201410.3539.570407

12/31/20159.5708.131409

2.55%

12/31/2007N/A13.1980

12/31/200813.1986.19097

12/31/20096.19010.365226

12/31/201010.36511.357232

12/31/201111.3579.160244

12/31/20129.16010.806218

12/31/201310.80610.313205

12/31/201410.3139.529183

12/31/20159.5298.092169

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

24

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A13.1870

12/31/200813.1876.182110

12/31/20096.18210.346177

12/31/201010.34611.331210

12/31/201111.3319.134230

12/31/20129.13410.770190

12/31/201310.77010.274151

12/31/201410.2749.488189

12/31/20159.4888.053197

2.65%

12/31/2007N/A13.1760

12/31/200813.1766.173140

12/31/20096.17310.327267

12/31/201010.32711.304254

12/31/201111.3049.108245

12/31/20129.10810.734224

12/31/201310.73410.234220

12/31/201410.2349.447220

12/31/20159.4478.014212

2.70%

12/31/2007N/A13.1650

12/31/200813.1656.16542

12/31/20096.16510.308120

12/31/201010.30811.278114

12/31/201111.2789.08286

12/31/20129.08210.69981

12/31/201310.69910.19575

12/31/201410.1959.40657

12/31/20159.4067.97560

2.75%

12/31/2007N/A13.1540

12/31/200813.1546.15743

12/31/20096.15710.28984

12/31/201010.28911.25264

12/31/201111.2529.05673

12/31/20129.05610.66363

12/31/201310.66310.15676

12/31/201410.1569.36584

12/31/20159.3657.93783

2.80%

12/31/2007N/A13.1430

12/31/200813.1436.14949

12/31/20096.14910.270135

12/31/201010.27011.225144

12/31/201111.2259.030138

12/31/20129.03010.627127

12/31/201310.62710.11786

12/31/201410.1179.32466

12/31/20159.3247.89983

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A13.1320

12/31/200813.1326.14016

12/31/20096.14010.25171

12/31/201010.25111.19963

12/31/201111.1999.00567

12/31/20129.00510.59260

12/31/201310.59210.07854

12/31/201410.0789.28456

12/31/20159.2847.86059

2.90%

12/31/2007N/A13.1210

12/31/200813.1216.13242

12/31/20096.13210.23367

12/31/201010.23311.17362

12/31/201111.1738.97959

12/31/20128.97910.55758

12/31/201310.55710.04054

12/31/201410.0409.24472

12/31/20159.2447.82283

2.95%

12/31/2007N/A13.1100

12/31/200813.1106.12422

12/31/20096.12410.214111

12/31/201010.21411.14749

12/31/201111.1478.95434

12/31/20128.95410.52134

12/31/201310.52110.00135

12/31/201410.0019.20439

12/31/20159.2047.78530

3.00%

12/31/2008N/A6.1164

12/31/20096.11610.1964

12/31/201010.19611.1227

12/31/201111.1228.9290

12/31/20128.92910.4872

12/31/201310.4879.9645

12/31/20149.9649.16515

12/31/20159.1657.74819

3.05%

12/31/2009N/A10.1777

12/31/201010.17711.0950

12/31/201111.0958.9030

12/31/20128.90310.4520

12/31/201310.4529.92511

12/31/20149.9259.12430

12/31/20159.1247.71039

3.10%

12/31/2009N/A10.1584

12/31/201010.15811.0693

12/31/201111.0698.8780

12/31/20128.87810.4170

12/31/201310.4179.8870

12/31/20149.8879.0850

12/31/20159.0857.6730

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

25

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.15%

12/31/2009N/A10.1392

12/31/201010.13911.0430

12/31/201111.0438.8530

12/31/20128.85310.3820

12/31/201310.3829.8493

12/31/20149.8499.04611

12/31/20159.0467.63619

3.20%

12/31/2013N/A10.6601

12/31/201410.6609.7852

12/31/20159.7858.2562

3.25%

12/31/2013N/A10.6191

12/31/201410.6199.7431

12/31/20159.7438.2161

3.30%

12/31/2013N/A9.7370

12/31/20149.7378.9295

12/31/20158.9297.5266

3.35%

12/31/2013N/A10.5380

12/31/201410.5389.6590

12/31/20159.6598.1370

3.40%

12/31/2013N/A10.4970

12/31/201410.4979.6170

12/31/20159.6178.0980

AZL Enhanced Bond Index Fund

1.65%

12/31/2014N/A11.1358

12/31/201511.13510.97938

1.70%

12/31/2014N/A11.10530

12/31/201511.10510.94371

1.75%

12/31/2014N/A11.0740

12/31/201511.07410.9080

1.95%

12/31/2014N/A10.9542

12/31/201510.95410.7675

2.05%

12/31/2014N/A10.8940

12/31/201510.89410.6983

AZL Gateway Fund

1.65%

12/31/2010N/A10.085407

12/31/201110.08510.224922

12/31/201210.22410.473914

12/31/201310.47311.1721090

12/31/201411.17211.328851

12/31/201511.32811.363772

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2010N/A10.082255

12/31/201110.08210.216546

12/31/201210.21610.459619

12/31/201310.45911.151706

12/31/201411.15111.302714

12/31/201511.30211.331623

1.75%

12/31/2010N/A10.07810

12/31/201110.07810.20737

12/31/201210.20710.44540

12/31/201310.44511.13139

12/31/201411.13111.27635

12/31/201511.27611.29930

1.80%

12/31/2010N/A10.0756

12/31/201110.07510.1997

12/31/201210.19910.43127

12/31/201310.43111.11030

12/31/201411.11011.2498

12/31/201511.24911.2677

1.95%

12/31/2010N/A10.065111

12/31/201110.06510.173274

12/31/201210.17310.390315

12/31/201310.39011.049371

12/31/201411.04911.171427

12/31/201511.17111.171307

2.05%

12/31/2010N/A10.0581

12/31/201110.05810.1564

12/31/201210.15610.3627

12/31/201310.36211.0087

12/31/201411.00811.1186

12/31/201511.11811.1083

2.10%

12/31/2010N/A10.05514

12/31/201110.05510.14818

12/31/201210.14810.34831

12/31/201310.34810.98832

12/31/201410.98811.09235

12/31/201511.09211.07754

2.15%

12/31/2010N/A10.0510

12/31/201110.05110.1390

12/31/201210.13910.3340

12/31/201310.33410.9680

12/31/201410.96811.0674

12/31/201511.06711.0452

2.20%

12/31/2010N/A10.0484

12/31/201110.04810.13129

12/31/201210.13110.32036

12/31/201310.32010.94849

12/31/201410.94811.04143

12/31/201511.04111.01458

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

26

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.25%

12/31/2010N/A10.0444

12/31/201110.04410.12214

12/31/201210.12210.30724

12/31/201310.30710.92838

12/31/201410.92811.01533

12/31/201511.01510.98335

2.30%

12/31/2010N/A10.0410

12/31/201110.04110.1141

12/31/201210.11410.2930

12/31/201310.29310.9080

12/31/201410.90810.9890

12/31/201510.98910.9520

2.35%

12/31/2010N/A10.0388

12/31/201110.03810.10541

12/31/201210.10510.27943

12/31/201310.27910.88887

12/31/201410.88810.963108

12/31/201510.96310.920141

2.40%

12/31/2010N/A10.03410

12/31/201110.03410.09719

12/31/201210.09710.26520

12/31/201310.26510.86853

12/31/201410.86810.93891

12/31/201510.93810.89061

2.45%

12/31/2010N/A10.03111

12/31/201110.03110.08821

12/31/201210.08810.25225

12/31/201310.25210.84829

12/31/201410.84810.91213

12/31/201510.91210.85916

2.50%

12/31/2010N/A10.02811

12/31/201110.02810.08043

12/31/201210.08010.238130

12/31/201310.23810.828162

12/31/201410.82810.887184

12/31/201510.88710.828216

2.55%

12/31/2010N/A10.0240

12/31/201110.02410.0713

12/31/201210.07110.2245

12/31/201310.22410.8087

12/31/201410.80810.86111

12/31/201510.86110.79710

2.60%

12/31/2010N/A10.02110

12/31/201110.02110.06336

12/31/201210.06310.21044

12/31/201310.21010.78862

12/31/201410.78810.83654

12/31/201510.83610.76764

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.65%

12/31/2010N/A10.01711

12/31/201110.01710.05572

12/31/201210.05510.19773

12/31/201310.19710.768207

12/31/201410.76810.811224

12/31/201510.81110.736206

2.70%

12/31/2010N/A10.0143

12/31/201110.01410.0463

12/31/201210.04610.1833

12/31/201310.18310.7489

12/31/201410.74810.78511

12/31/201510.78510.7069

2.75%

12/31/2010N/A10.01121

12/31/201110.01110.03857

12/31/201210.03810.17068

12/31/201310.17010.729108

12/31/201410.72910.760117

12/31/201510.76010.675141

2.80%

12/31/2010N/A10.0073

12/31/201110.00710.02919

12/31/201210.02910.15614

12/31/201310.15610.70943

12/31/201410.70910.73547

12/31/201510.73510.64545

2.85%

12/31/2010N/A10.00420

12/31/201110.00410.02120

12/31/201210.02110.14220

12/31/201310.14210.68923

12/31/201410.68910.71025

12/31/201510.71010.61533

2.90%

12/31/2010N/A10.0015

12/31/201110.00110.01342

12/31/201210.01310.1298

12/31/201310.12910.67053

12/31/201410.67010.685111

12/31/201510.68510.58560

2.95%

12/31/2010N/A9.9970

12/31/20119.99710.0040

12/31/201210.00410.1156

12/31/201310.11510.65013

12/31/201410.65010.66015

12/31/201510.66010.55517

3.00%

12/31/2010N/A9.9940

12/31/20119.9949.9963

12/31/20129.99610.1023

12/31/201310.10210.6310

12/31/201410.63110.6353

12/31/201510.63510.52514

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

27

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.05%

12/31/2010N/A9.9900

12/31/20119.9909.9883

12/31/20129.98810.0883

12/31/201310.08810.61113

12/31/201410.61110.61073

12/31/201510.61010.49517

3.10%

12/31/2010N/A9.9870

12/31/20119.9879.9790

12/31/20129.97910.0750

12/31/201310.07510.59251

12/31/201410.59210.58650

12/31/201510.58610.46550

3.15%

12/31/2010N/A9.9840

12/31/20119.9849.9712

12/31/20129.97110.0612

12/31/201310.06110.5723

12/31/201410.57210.5614

12/31/201510.56110.43610

3.20%

12/31/2013N/A10.5480

12/31/201410.54810.5321

12/31/201510.53210.4010

3.25%

12/31/2013N/A10.5290

12/31/201410.52910.5070

12/31/201510.50710.3720

3.30%

12/31/2013N/A10.8320

12/31/201410.83210.8040

12/31/201510.80410.6600

3.35%

12/31/2013N/A10.4900

12/31/201410.49010.4580

12/31/201510.45810.3131

3.40%

12/31/2013N/A10.4700

12/31/201410.47010.4330

12/31/201510.43310.2840

AZL Global Equity Index Fund

1.65%

12/31/2014N/A15.5576

12/31/201515.55713.37914

1.70%

12/31/2014N/A15.5133

12/31/201515.51313.33512

1.75%

12/31/2014N/A15.4690

12/31/201515.46913.2900

1.95%

12/31/2014N/A15.2954

12/31/201515.29513.1145

2.05%

12/31/2014N/A15.2080

12/31/201515.20813.0270

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

AZL Government Money Market Fund

1.65%

12/31/2007N/A10.907877

12/31/200810.90710.990650

12/31/200910.99010.8341281

12/31/201010.83410.6573566

12/31/201110.65710.4845298

12/31/201210.48410.3113499

12/31/201310.31110.1433134

12/31/201410.1439.9772809

12/31/20159.9779.8152660

1.70%

12/31/2007N/A10.864733

12/31/200810.86410.9411307

12/31/200910.94110.7801312

12/31/201010.78010.5992898

12/31/201110.59910.4214583

12/31/201210.42110.2455791

12/31/201310.24510.0723816

12/31/201410.0729.9033372

12/31/20159.9039.7373397

1.75%

12/31/2009N/A10.71893

12/31/201010.71810.533675

12/31/201110.53310.351504

12/31/201210.35110.171327

12/31/201310.1719.994391

12/31/20149.9949.822198

12/31/20159.8229.652301

1.80%

12/31/2008N/A10.8441586

12/31/200910.84410.6741140

12/31/201010.67410.484793

12/31/201110.48410.298785

12/31/201210.29810.113796

12/31/201310.1139.933838

12/31/20149.9339.756730

12/31/20159.7569.5831029

1.95%

12/31/2007N/A10.65184

12/31/200810.65110.700175

12/31/200910.70010.516998

12/31/201010.51610.3141275

12/31/201110.31410.1151860

12/31/201210.1159.9191708

12/31/20139.9199.7281097

12/31/20149.7289.5401105

12/31/20159.5409.3571205

2.05%

12/31/2008N/A10.605945

12/31/200910.60510.412478

12/31/201010.41210.202584

12/31/201110.2029.995577

12/31/20129.9959.791554

12/31/20139.7919.593500

12/31/20149.5939.399280

12/31/20159.3999.209227

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

28

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.10%

12/31/2007N/A10.5250

12/31/200810.52510.5571093

12/31/200910.55710.3611780

12/31/201010.36110.1461241

12/31/201110.1469.9361185

12/31/20129.9369.7281042

12/31/20139.7289.5261140

12/31/20149.5269.3291058

12/31/20159.3299.136636

2.15%

12/31/2008N/A10.510153

12/31/200910.51010.30927

12/31/201010.30910.09135

12/31/201110.0919.87775

12/31/20129.8779.66666

12/31/20139.6669.46044

12/31/20149.4609.2601

12/31/20159.2609.0634

2.20%

12/31/2007N/A10.4420

12/31/200810.44210.4642075

12/31/200910.46410.2581367

12/31/201010.25810.036970

12/31/201110.0369.818870

12/31/20129.8189.603859

12/31/20139.6039.395701

12/31/20149.3959.191694

12/31/20159.1918.991711

2.25%

12/31/2007N/A10.4010

12/31/200810.40110.417921

12/31/200910.41710.208981

12/31/201010.2089.981714

12/31/20119.9819.760559

12/31/20129.7609.542623

12/31/20139.5429.329454

12/31/20149.3299.123410

12/31/20159.1238.920719

2.30%

12/31/2009N/A10.15725

12/31/201010.1579.92737

12/31/20119.9279.70225

12/31/20129.7029.4802

12/31/20139.4809.26512

12/31/20149.2659.0552

12/31/20159.0558.8495

2.35%

12/31/2007N/A10.3180

12/31/200810.31810.3252999

12/31/200910.32510.1073087

12/31/201010.1079.8732771

12/31/20119.8739.6442150

12/31/20129.6449.4192830

12/31/20139.4199.2002504

12/31/20149.2008.9872197

12/31/20158.9878.7792092

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.40%

12/31/2007N/A10.2780

12/31/200810.27810.279790

12/31/200910.27910.0571104

12/31/201010.0579.819797

12/31/20119.8199.5872013

12/31/20129.5879.358705

12/31/20139.3589.1371697

12/31/20149.1378.921540

12/31/20158.9218.710675

2.45%

12/31/2007N/A10.2370

12/31/200810.23710.2331154

12/31/200910.23310.0071134

12/31/201010.0079.765863

12/31/20119.7659.530629

12/31/20129.5309.298449

12/31/20139.2989.073292

12/31/20149.0738.854251

12/31/20158.8548.640226

2.50%

12/31/2007N/A10.1970

12/31/200810.19710.1871748

12/31/200910.1879.9572512

12/31/20109.9579.7121925

12/31/20119.7129.4731608

12/31/20129.4739.2381350

12/31/20139.2389.0101033

12/31/20149.0108.7881190

12/31/20158.7888.5721329

2.55%

12/31/2007N/A10.1560

12/31/200810.15610.142663

12/31/200910.1429.908549

12/31/20109.9089.659635

12/31/20119.6599.417606

12/31/20129.4179.179470

12/31/20139.1798.948432

12/31/20148.9488.723331

12/31/20158.7238.504292

2.60%

12/31/2007N/A10.1160

12/31/200810.11610.0971615

12/31/200910.0979.8591837

12/31/20109.8599.6071388

12/31/20119.6079.361908

12/31/20129.3619.119833

12/31/20139.1198.886508

12/31/20148.8868.658454

12/31/20158.6588.436599

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

29

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.65%

12/31/2007N/A10.0760

12/31/200810.07610.0521507

12/31/200910.0529.8101709

12/31/20109.8109.5541942

12/31/20119.5549.3051634

12/31/20129.3059.0611366

12/31/20139.0618.8241078

12/31/20148.8248.5941029

12/31/20158.5948.3701184

2.70%

12/31/2007N/A10.0360

12/31/200810.03610.007630

12/31/200910.0079.762629

12/31/20109.7629.502494

12/31/20119.5029.250329

12/31/20129.2509.002364

12/31/20139.0028.763279

12/31/20148.7638.530510

12/31/20158.5308.303449

2.75%

12/31/2007N/A9.9970

12/31/20089.9979.962502

12/31/20099.9629.713652

12/31/20109.7139.451701

12/31/20119.4519.195419

12/31/20129.1958.944446

12/31/20138.9448.702509

12/31/20148.7028.466504

12/31/20158.4668.237623

2.80%

12/31/2007N/A9.9570

12/31/20089.9579.918783

12/31/20099.9189.6651116

12/31/20109.6659.399672

12/31/20119.3999.140504

12/31/20129.1408.887420

12/31/20138.8878.641512

12/31/20148.6418.403553

12/31/20158.4038.172597

2.85%

12/31/2007N/A9.9180

12/31/20089.9189.874159

12/31/20099.8749.617288

12/31/20109.6179.348239

12/31/20119.3489.086239

12/31/20129.0868.829286

12/31/20138.8298.581272

12/31/20148.5818.341236

12/31/20158.3418.107221

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.90%

12/31/2007N/A9.8790

12/31/20089.8799.830496

12/31/20099.8309.570272

12/31/20109.5709.297257

12/31/20119.2979.032224

12/31/20129.0328.773170

12/31/20138.7738.522241

12/31/20148.5228.279238

12/31/20158.2798.043221

2.95%

12/31/2007N/A9.8400

12/31/20089.8409.786642

12/31/20099.7869.522243

12/31/20109.5229.246131

12/31/20119.2468.978322

12/31/20128.9788.716183

12/31/20138.7168.463258

12/31/20148.4638.217165

12/31/20158.2177.979212

3.00%

12/31/2008N/A9.74372

12/31/20099.7439.475179

12/31/20109.4759.196202

12/31/20119.1968.925172

12/31/20128.9258.660180

12/31/20138.6608.404170

12/31/20148.4048.156155

12/31/20158.1567.916157

3.05%

12/31/2009N/A9.428185

12/31/20109.4289.146143

12/31/20119.1468.87283

12/31/20128.8728.60437

12/31/20138.6048.34646

12/31/20148.3468.09663

12/31/20158.0967.853161

3.10%

12/31/2009N/A9.382135

12/31/20109.3829.096193

12/31/20119.0968.819225

12/31/20128.8198.549197

12/31/20138.5498.288228

12/31/20148.2888.035275

12/31/20158.0357.791279

3.15%

12/31/2009N/A9.33528

12/31/20109.3359.04615

12/31/20119.0468.7679

12/31/20128.7678.49424

12/31/20138.4948.23016

12/31/20148.2307.97612

12/31/20157.9767.72919

3.20%

12/31/2013N/A8.1630

12/31/20148.1637.9071

12/31/20157.9077.6583

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

30

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.25%

12/31/2013N/A8.1060

12/31/20148.1067.8480

12/31/20157.8487.5970

3.30%

12/31/2013N/A7.8840

12/31/20147.8847.6281

12/31/20157.6287.3810

3.35%

12/31/2013N/A7.9940

12/31/20147.9947.7310

12/31/20157.7317.4770

3.40%

12/31/2013N/A7.9390

12/31/20147.9397.6740

12/31/20157.6747.4180

AZL International Index Fund

1.65%

12/31/2009N/A9.75621

12/31/20109.75610.27973

12/31/201110.2798.820302

12/31/20128.82010.239463

12/31/201310.23912.222461

12/31/201412.22211.279472

12/31/201511.27910.941402

1.70%

12/31/2009N/A9.75540

12/31/20109.75510.273109

12/31/201110.2738.810200

12/31/20128.81010.223301

12/31/201310.22312.197376

12/31/201412.19711.250372

12/31/201511.25010.907358

1.75%

12/31/2009N/A9.7540

12/31/20109.75410.2675

12/31/201110.2678.80022

12/31/20128.80010.20635

12/31/201310.20612.17145

12/31/201412.17111.22151

12/31/201511.22110.87338

1.80%

12/31/2009N/A9.753102

12/31/20109.75310.261219

12/31/201110.2618.791147

12/31/20128.79110.190114

12/31/201310.19012.146118

12/31/201412.14611.191123

12/31/201511.19110.839300

1.95%

12/31/2009N/A9.75074

12/31/20109.75010.243103

12/31/201110.2438.762136

12/31/20128.76210.141170

12/31/201310.14112.070156

12/31/201412.07011.105149

12/31/201511.10510.739128

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2009N/A9.74819

12/31/20109.74810.23026

12/31/201110.2308.74345

12/31/20128.74310.10943

12/31/201310.10912.01958

12/31/201412.01911.04766

12/31/201511.04710.67358

2.10%

12/31/2009N/A9.747207

12/31/20109.74710.224239

12/31/201110.2248.733238

12/31/20128.73310.093248

12/31/201310.09311.994224

12/31/201411.99411.018182

12/31/201511.01810.640423

2.15%

12/31/2009N/A9.7460

12/31/20109.74610.2185

12/31/201110.2188.7240

12/31/20128.72410.0770

12/31/201310.07711.9690

12/31/201411.96910.9900

12/31/201510.99010.6072

2.20%

12/31/2009N/A9.746175

12/31/20109.74610.212218

12/31/201110.2128.714229

12/31/20128.71410.061230

12/31/201310.06111.944239

12/31/201411.94410.961218

12/31/201510.96110.574268

2.25%

12/31/2009N/A9.745165

12/31/20109.74510.206148

12/31/201110.2068.705153

12/31/20128.70510.045144

12/31/201310.04511.919135

12/31/201411.91910.933130

12/31/201510.93310.541130

2.30%

12/31/2009N/A9.7440

12/31/20109.74410.2000

12/31/201110.2008.6950

12/31/20128.69510.0290

12/31/201310.02911.8940

12/31/201411.89410.9040

12/31/201510.90410.5090

2.35%

12/31/2009N/A9.743334

12/31/20109.74310.194320

12/31/201110.1948.686353

12/31/20128.68610.013299

12/31/201310.01311.869320

12/31/201411.86910.876301

12/31/201510.87610.476322

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

31

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.40%

12/31/2009N/A9.74286

12/31/20109.74210.18890

12/31/201110.1888.676101

12/31/20128.6769.997105

12/31/20139.99711.84490

12/31/201411.84410.84882

12/31/201510.84810.444110

2.45%

12/31/2009N/A9.741110

12/31/20109.74110.182103

12/31/201110.1828.667117

12/31/20128.6679.981102

12/31/20139.98111.81993

12/31/201411.81910.82085

12/31/201510.82010.41286

2.50%

12/31/2009N/A9.740195

12/31/20109.74010.176209

12/31/201110.1768.657228

12/31/20128.6579.965223

12/31/20139.96511.794218

12/31/201411.79410.792196

12/31/201510.79210.379203

2.55%

12/31/2009N/A9.73990

12/31/20109.73910.17080

12/31/201110.1708.64892

12/31/20128.6489.94986

12/31/20139.94911.77065

12/31/201411.77010.76460

12/31/201510.76410.34759

2.60%

12/31/2009N/A9.738147

12/31/20109.73810.16388

12/31/201110.1638.63896

12/31/20128.6389.93369

12/31/20139.93311.74571

12/31/201411.74510.736119

12/31/201510.73610.315111

2.65%

12/31/2009N/A9.737174

12/31/20109.73710.157190

12/31/201110.1578.629206

12/31/20128.6299.917154

12/31/20139.91711.720147

12/31/201411.72010.708171

12/31/201510.70810.283176

2.70%

12/31/2009N/A9.73630

12/31/20109.73610.15136

12/31/201110.1518.61935

12/31/20128.6199.90134

12/31/20139.90111.69647

12/31/201411.69610.68030

12/31/201510.68010.25230

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.75%

12/31/2009N/A9.73546

12/31/20109.73510.14527

12/31/201110.1458.61030

12/31/20128.6109.88522

12/31/20139.88511.67150

12/31/201411.67110.65343

12/31/201510.65310.22041

2.80%

12/31/2009N/A9.73440

12/31/20109.73410.13957

12/31/201110.1398.60057

12/31/20128.6009.87063

12/31/20139.87011.64757

12/31/201411.64710.62527

12/31/201510.62510.18826

2.85%

12/31/2009N/A9.73331

12/31/20109.73310.13332

12/31/201110.1338.59133

12/31/20128.5919.85432

12/31/20139.85411.62222

12/31/201411.62210.59720

12/31/201510.59710.15724

2.90%

12/31/2009N/A9.73219

12/31/20109.73210.12716

12/31/201110.1278.58218

12/31/20128.5829.83817

12/31/20139.83811.59817

12/31/201411.59810.57022

12/31/201510.57010.12528

2.95%

12/31/2009N/A9.73217

12/31/20109.73210.12119

12/31/201110.1218.57220

12/31/20128.5729.82220

12/31/20139.82211.57415

12/31/201411.57410.54212

12/31/201510.54210.09411

3.00%

12/31/2009N/A9.7311

12/31/20109.73110.1150

12/31/201110.1158.5630

12/31/20128.5639.8070

12/31/20139.80711.5502

12/31/201411.55010.5151

12/31/201510.51510.0631

3.05%

12/31/2009N/A9.7301

12/31/20109.73010.1090

12/31/201110.1098.5530

12/31/20128.5539.7910

12/31/20139.79111.52510

12/31/201411.52510.48819

12/31/201510.48810.03226

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

32

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2009N/A9.7290

12/31/20109.72910.1030

12/31/201110.1038.5440

12/31/20128.5449.7750

12/31/20139.77511.5010

12/31/201411.50110.4610

12/31/201510.46110.0010

3.15%

12/31/2009N/A9.7280

12/31/20109.72810.0970

12/31/201110.0978.5350

12/31/20128.5359.7600

12/31/20139.76011.4771

12/31/201411.47710.43310

12/31/201510.4339.9702

3.20%

12/31/2013N/A15.3310

12/31/201415.33113.9303

12/31/201513.93013.3040

3.25%

12/31/2013N/A15.2950

12/31/201415.29513.8900

12/31/201513.89013.2600

3.30%

12/31/2013N/A11.4050

12/31/201411.40510.3522

12/31/201510.3529.8772

3.35%

12/31/2013N/A15.2230

12/31/201415.22313.8110

12/31/201513.81113.1710

3.40%

12/31/2013N/A15.1880

12/31/201415.18813.7720

12/31/201513.77213.1270

AZL MetWest Total Return Bond Fund

1.65%

12/31/2015N/A9.86679

1.70%

12/31/2015N/A9.860116

1.75%

12/31/2015N/A9.855133

1.95%

12/31/2015N/A9.8334

2.05%

12/31/2015N/A9.8221

AZL Mid Cap Index Fund

1.65%

12/31/2010N/A10.65298

12/31/201110.65210.236292

12/31/201210.23611.800446

12/31/201311.80015.404473

12/31/201415.40416.548414

12/31/201516.54815.842356

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2010N/A10.649199

12/31/201110.64910.227328

12/31/201210.22711.784507

12/31/201311.78415.376651

12/31/201415.37616.509593

12/31/201516.50915.797541

1.75%

12/31/2010N/A10.6451

12/31/201110.64510.21810

12/31/201210.21811.76925

12/31/201311.76915.34822

12/31/201415.34816.47056

12/31/201516.47015.75259

1.80%

12/31/2010N/A10.642378

12/31/201110.64210.210296

12/31/201210.21011.753276

12/31/201311.75315.319260

12/31/201415.31916.432248

12/31/201516.43215.708221

1.95%

12/31/2010N/A10.631126

12/31/201110.63110.184161

12/31/201210.18411.706189

12/31/201311.70615.235170

12/31/201415.23516.317166

12/31/201516.31715.574166

2.05%

12/31/2010N/A10.62486

12/31/201110.62410.167150

12/31/201210.16711.675149

12/31/201311.67515.179116

12/31/201415.17916.24193

12/31/201516.24115.48675

2.10%

12/31/2010N/A10.620185

12/31/201110.62010.159174

12/31/201210.15911.659201

12/31/201311.65915.151161

12/31/201415.15116.203161

12/31/201516.20315.442338

2.15%

12/31/2010N/A10.6171

12/31/201110.61710.1501

12/31/201210.15011.6432

12/31/201311.64315.1241

12/31/201415.12416.1651

12/31/201516.16515.3990

2.20%

12/31/2010N/A10.613244

12/31/201110.61310.142240

12/31/201210.14211.628304

12/31/201311.62815.096298

12/31/201415.09616.127277

12/31/201516.12715.355277

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

33

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.25%

12/31/2010N/A10.609145

12/31/201110.60910.133130

12/31/201210.13311.612135

12/31/201311.61215.068184

12/31/201415.06816.090158

12/31/201516.09015.311147

2.30%

12/31/2010N/A10.6060

12/31/201110.60610.1250

12/31/201210.12511.5970

12/31/201311.59715.0400

12/31/201415.04016.0520

12/31/201516.05215.2680

2.35%

12/31/2010N/A10.602286

12/31/201110.60210.117316

12/31/201210.11711.581307

12/31/201311.58115.013313

12/31/201415.01316.015296

12/31/201516.01515.225277

2.40%

12/31/2010N/A10.599101

12/31/201110.59910.10892

12/31/201210.10811.566105

12/31/201311.56614.985123

12/31/201414.98515.977144

12/31/201515.97715.181112

2.45%

12/31/2010N/A10.59577

12/31/201110.59510.10087

12/31/201210.10011.55080

12/31/201311.55014.95877

12/31/201414.95815.94061

12/31/201515.94015.13861

2.50%

12/31/2010N/A10.592182

12/31/201110.59210.091183

12/31/201210.09111.535190

12/31/201311.53514.930235

12/31/201414.93015.903204

12/31/201515.90315.096204

2.55%

12/31/2010N/A10.588113

12/31/201110.58810.083108

12/31/201210.08311.519111

12/31/201311.51914.903110

12/31/201414.90315.865103

12/31/201515.86515.05393

2.60%

12/31/2010N/A10.58492

12/31/201110.58410.074101

12/31/201210.07411.50494

12/31/201311.50414.87593

12/31/201414.87515.828101

12/31/201515.82815.010102

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.65%

12/31/2010N/A10.58193

12/31/201110.58110.06680

12/31/201210.06611.489100

12/31/201311.48914.848142

12/31/201414.84815.791161

12/31/201515.79114.968160

2.70%

12/31/2010N/A10.57718

12/31/201110.57710.05719

12/31/201210.05711.47322

12/31/201311.47314.82123

12/31/201414.82115.75517

12/31/201515.75514.92529

2.75%

12/31/2010N/A10.57424

12/31/201110.57410.04924

12/31/201210.04911.45823

12/31/201311.45814.79349

12/31/201414.79315.71861

12/31/201515.71814.88389

2.80%

12/31/2010N/A10.57022

12/31/201110.57010.04119

12/31/201210.04111.44235

12/31/201311.44214.76649

12/31/201414.76615.68138

12/31/201515.68114.84154

2.85%

12/31/2010N/A10.5677

12/31/201110.56710.0323

12/31/201210.03211.4273

12/31/201311.42714.73928

12/31/201414.73915.64413

12/31/201515.64414.79914

2.90%

12/31/2010N/A10.56316

12/31/201110.56310.02416

12/31/201210.02411.41222

12/31/201311.41214.71237

12/31/201414.71215.60846

12/31/201515.60814.75748

2.95%

12/31/2010N/A10.5605

12/31/201110.56010.0165

12/31/201210.01611.3975

12/31/201311.39714.6859

12/31/201414.68515.5716

12/31/201515.57114.7158

3.00%

12/31/2010N/A10.5560

12/31/201110.55610.0070

12/31/201210.00711.3812

12/31/201311.38114.6583

12/31/201414.65815.5357

12/31/201515.53514.6738

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

34

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.05%

12/31/2010N/A10.5520

12/31/201110.5529.9990

12/31/20129.99911.3660

12/31/201311.36614.6311

12/31/201414.63115.4997

12/31/201515.49914.63117

3.10%

12/31/2010N/A10.5490

12/31/201110.5499.9900

12/31/20129.99011.3510

12/31/201311.35114.6040

12/31/201414.60415.4631

12/31/201515.46314.5901

3.15%

12/31/2010N/A10.5450

12/31/201110.5459.9820

12/31/20129.98211.3360

12/31/201311.33614.5770

12/31/201414.57715.4264

12/31/201515.42614.5493

3.20%

12/31/2013N/A21.3280

12/31/201421.32822.5582

12/31/201522.55821.2642

3.25%

12/31/2013N/A21.2770

12/31/201421.27722.4940

12/31/201522.49421.1930

3.30%

12/31/2013N/A21.2270

12/31/201421.22722.4300

12/31/201522.43021.1221

3.35%

12/31/2013N/A21.1770

12/31/201421.17722.3660

12/31/201522.36621.0510

3.40%

12/31/2013N/A21.1280

12/31/201421.12822.3020

12/31/201522.30220.9810

AZL Moderate Index Strategy Fund

1.65%

12/31/2007N/A12.715146

12/31/200812.7159.515135

12/31/20099.51511.497252

12/31/201011.49712.6371497

12/31/201112.63712.1602997

12/31/201212.16013.3842986

12/31/201313.38416.4124400

12/31/201416.41217.5164681

12/31/201517.51616.8044332

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2007N/A12.691521

12/31/200812.6919.492558

12/31/20099.49211.465565

12/31/201011.46512.5951985

12/31/201112.59512.1133155

12/31/201212.11313.3263128

12/31/201313.32616.3334083

12/31/201416.33317.4234128

12/31/201517.42316.7063707

1.75%

12/31/2009N/A11.42322

12/31/201011.42312.543104

12/31/201112.54312.057158

12/31/201212.05713.258185

12/31/201313.25816.241275

12/31/201416.24117.316214

12/31/201517.31616.596238

1.80%

12/31/2008N/A9.44882

12/31/20099.44811.400153

12/31/201011.40012.511164

12/31/201112.51112.021160

12/31/201212.02113.211133

12/31/201313.21116.176153

12/31/201416.17617.238166

12/31/201517.23816.513116

1.95%

12/31/2007N/A12.575187

12/31/200812.5759.382197

12/31/20099.38211.303265

12/31/201011.30312.387699

12/31/201112.38711.883979

12/31/201211.88313.0401065

12/31/201313.04015.9431520

12/31/201415.94316.9641563

12/31/201516.96416.2261399

2.05%

12/31/2008N/A9.33927

12/31/20099.33911.240104

12/31/201011.24012.305178

12/31/201112.30511.793207

12/31/201211.79312.928176

12/31/201312.92815.790214

12/31/201415.79016.784180

12/31/201516.78416.038167

2.10%

12/31/2007N/A12.5060

12/31/200812.5069.317199

12/31/20099.31711.207498

12/31/201011.20712.263488

12/31/201112.26311.747458

12/31/201211.74712.872413

12/31/201312.87215.713405

12/31/201415.71316.694403

12/31/201516.69415.944413

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

35

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.15%

12/31/2008N/A9.2951

12/31/20099.29511.1762

12/31/201011.17612.2232

12/31/201112.22311.7034

12/31/201211.70312.8164

12/31/201312.81615.6384

12/31/201415.63816.6064

12/31/201516.60615.8522

2.20%

12/31/2007N/A12.4610

12/31/200812.4619.273238

12/31/20099.27311.144467

12/31/201011.14412.182444

12/31/201112.18211.658441

12/31/201211.65812.760413

12/31/201312.76015.562523

12/31/201415.56216.517583

12/31/201516.51715.759613

2.25%

12/31/2007N/A12.4380

12/31/200812.4389.252284

12/31/20099.25211.112562

12/31/201011.11212.141632

12/31/201112.14111.613591

12/31/201211.61312.705554

12/31/201312.70515.487585

12/31/201415.48716.429589

12/31/201516.42915.667545

2.30%

12/31/2009N/A11.0813

12/31/201011.08112.1003

12/31/201112.10011.5683

12/31/201211.56812.6501

12/31/201312.65015.4120

12/31/201415.41216.34122

12/31/201516.34115.57618

2.35%

12/31/2007N/A12.3920

12/31/200812.3929.208314

12/31/20099.20811.0501644

12/31/201011.05012.0601636

12/31/201112.06011.5241656

12/31/201211.52412.5951546

12/31/201312.59515.3371825

12/31/201415.33716.2541934

12/31/201516.25415.4851790

2.40%

12/31/2007N/A12.3690

12/31/200812.3699.18775

12/31/20099.18711.018346

12/31/201011.01812.020307

12/31/201112.02011.480282

12/31/201211.48012.541251

12/31/201312.54115.263347

12/31/201415.26316.168451

12/31/201516.16815.395370

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.45%

12/31/2007N/A12.3470

12/31/200812.3479.165100

12/31/20099.16510.987145

12/31/201010.98711.980133

12/31/201111.98011.436150

12/31/201211.43612.487134

12/31/201312.48715.190141

12/31/201415.19016.082141

12/31/201516.08215.305164

2.50%

12/31/2007N/A12.3240

12/31/200812.3249.144239

12/31/20099.14410.9561790

12/31/201010.95611.9401886

12/31/201111.94011.3921873

12/31/201211.39212.4321753

12/31/201312.43215.1162071

12/31/201415.11615.9962016

12/31/201515.99615.2162038

2.55%

12/31/2007N/A12.3010

12/31/200812.3019.12342

12/31/20099.12310.925154

12/31/201010.92511.900182

12/31/201111.90011.349178

12/31/201211.34912.379187

12/31/201312.37915.043224

12/31/201415.04315.911232

12/31/201515.91115.128247

2.60%

12/31/2007N/A12.2790

12/31/200812.2799.10195

12/31/20099.10110.894793

12/31/201010.89411.861771

12/31/201111.86111.305794

12/31/201211.30512.325756

12/31/201312.32514.971843

12/31/201414.97115.826883

12/31/201515.82615.0401056

2.65%

12/31/2007N/A12.2560

12/31/200812.2569.080131

12/31/20099.08010.863934

12/31/201010.86311.821991

12/31/201111.82111.2621092

12/31/201211.26212.2721022

12/31/201312.27214.8991182

12/31/201414.89915.7421245

12/31/201515.74214.9521136

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

36

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.70%

12/31/2007N/A12.2340

12/31/200812.2349.05929

12/31/20099.05910.83297

12/31/201010.83211.782157

12/31/201111.78211.219210

12/31/201211.21912.219202

12/31/201312.21914.827226

12/31/201414.82715.658219

12/31/201515.65814.865207

2.75%

12/31/2007N/A12.2110

12/31/200812.2119.03812

12/31/20099.03810.802488

12/31/201010.80211.742592

12/31/201111.74211.176618

12/31/201211.17612.166700

12/31/201312.16614.755778

12/31/201414.75515.575843

12/31/201515.57514.778877

2.80%

12/31/2007N/A12.1890

12/31/200812.1899.01730

12/31/20099.01710.771444

12/31/201010.77111.703566

12/31/201111.70311.133630

12/31/201211.13312.113632

12/31/201312.11314.684634

12/31/201414.68415.492729

12/31/201515.49214.692729

2.85%

12/31/2007N/A12.1670

12/31/200812.1678.9966

12/31/20098.99610.74066

12/31/201010.74011.66458

12/31/201111.66411.09049

12/31/201211.09012.06145

12/31/201312.06114.61373

12/31/201414.61315.409101

12/31/201515.40914.607115

2.90%

12/31/2007N/A12.1440

12/31/200812.1448.97532

12/31/20098.97510.710361

12/31/201010.71011.625365

12/31/201111.62511.048269

12/31/201211.04812.008270

12/31/201312.00814.542320

12/31/201414.54215.327392

12/31/201515.32714.522371

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.95%

12/31/2007N/A12.1220

12/31/200812.1228.95416

12/31/20098.95410.680129

12/31/201010.68011.587148

12/31/201111.58711.006269

12/31/201211.00611.956250

12/31/201311.95614.472300

12/31/201414.47215.246406

12/31/201515.24614.437349

3.00%

12/31/2008N/A8.9340

12/31/20098.93410.6506

12/31/201010.65011.54914

12/31/201111.54910.96413

12/31/201210.96411.90610

12/31/201311.90614.40423

12/31/201414.40415.16680

12/31/201515.16614.35466

3.05%

12/31/2009N/A10.620211

12/31/201010.62011.510245

12/31/201111.51010.922160

12/31/201210.92211.853160

12/31/201311.85314.333281

12/31/201414.33315.084326

12/31/201515.08414.270345

3.10%

12/31/2009N/A10.59048

12/31/201010.59011.47260

12/31/201111.47210.88094

12/31/201210.88011.80283

12/31/201311.80214.264118

12/31/201414.26415.004110

12/31/201515.00414.18763

3.15%

12/31/2009N/A10.5605

12/31/201010.56011.4348

12/31/201111.43410.83813

12/31/201210.83811.75112

12/31/201311.75114.19582

12/31/201414.19514.92494

12/31/201514.92414.10434

3.20%

12/31/2013N/A14.5371

12/31/201414.53715.27612

12/31/201515.27614.43017

3.25%

12/31/2013N/A14.4670

12/31/201414.46715.1950

12/31/201515.19514.3460

3.30%

12/31/2013N/A13.9920

12/31/201413.99214.68817

12/31/201514.68813.86038

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

37

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.35%

12/31/2013N/A14.3280

12/31/201414.32815.0330

12/31/201515.03314.1793

3.40%

12/31/2013N/A14.2580

12/31/201414.25814.9530

12/31/201514.95314.0960

AZL Morgan Stanley Global Real Estate Fund

1.65%

12/31/2007N/A10.806124

12/31/200810.8065.758172

12/31/20095.7587.94033

12/31/20107.9409.43987

12/31/20119.4398.362207

12/31/20128.36210.680190

12/31/201310.68010.822120

12/31/201410.82212.11182

12/31/201512.11111.75362

1.70%

12/31/2007N/A10.797223

12/31/200810.7975.750337

12/31/20095.7507.925100

12/31/20107.9259.417168

12/31/20119.4178.338274

12/31/20128.33810.644253

12/31/201310.64410.781209

12/31/201410.78112.059177

12/31/201512.05911.697156

1.75%

12/31/2009N/A7.9100

12/31/20107.9109.3957

12/31/20119.3958.3149

12/31/20128.31410.6096

12/31/201310.60910.7402

12/31/201410.74012.00615

12/31/201512.00611.6406

1.80%

12/31/2008N/A5.735101

12/31/20095.7357.896158

12/31/20107.8969.373135

12/31/20119.3738.291130

12/31/20128.29110.573108

12/31/201310.57310.69999

12/31/201410.69911.95576

12/31/201511.95511.58456

1.95%

12/31/2007N/A10.75221

12/31/200810.7525.71135

12/31/20095.7117.85283

12/31/20107.8529.30789

12/31/20119.3078.221130

12/31/20128.22110.468104

12/31/201310.46810.57690

12/31/201410.57611.80092

12/31/201511.80011.41775

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2008N/A5.69614

12/31/20095.6967.82436

12/31/20107.8249.26457

12/31/20119.2648.17459

12/31/20128.17410.39839

12/31/201310.39810.49533

12/31/201410.49511.69824

12/31/201511.69811.30722

2.10%

12/31/2007N/A10.7250

12/31/200810.7255.689114

12/31/20095.6897.809302

12/31/20107.8099.242296

12/31/20119.2428.151292

12/31/20128.15110.363231

12/31/201310.36310.455241

12/31/201410.45511.647149

12/31/201511.64711.252111

2.15%

12/31/2008N/A5.6819

12/31/20095.6817.79512

12/31/20107.7959.22111

12/31/20119.2218.1289

12/31/20128.12810.3297

12/31/201310.32910.4156

12/31/201410.41511.5975

12/31/201511.59711.1984

2.20%

12/31/2007N/A10.7070

12/31/200810.7075.673172

12/31/20095.6737.781263

12/31/20107.7819.199260

12/31/20119.1998.105247

12/31/20128.10510.294219

12/31/201310.29410.375200

12/31/201410.37511.546166

12/31/201511.54611.144154

2.25%

12/31/2007N/A10.6980

12/31/200810.6985.666123

12/31/20095.6667.766257

12/31/20107.7669.177285

12/31/20119.1778.082287

12/31/20128.08210.260257

12/31/201310.26010.335227

12/31/201410.33511.496183

12/31/201511.49611.090141

2.30%

12/31/2009N/A7.7521

12/31/20107.7529.1567

12/31/20119.1568.0597

12/31/20128.05910.22612

12/31/201310.22610.2959

12/31/201410.29511.44610

12/31/201511.44611.0367

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

38

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.35%

12/31/2007N/A10.6800

12/31/200810.6805.651250

12/31/20095.6517.738401

12/31/20107.7389.135394

12/31/20119.1358.036391

12/31/20128.03610.192324

12/31/201310.19210.256308

12/31/201410.25611.397268

12/31/201511.39710.983221

2.40%

12/31/2007N/A10.6710

12/31/200810.6715.64387

12/31/20095.6437.723244

12/31/20107.7239.113216

12/31/20119.1138.013233

12/31/20128.01310.158195

12/31/201310.15810.216184

12/31/201410.21611.348155

12/31/201511.34810.930137

2.45%

12/31/2007N/A10.6620

12/31/200810.6625.63578

12/31/20095.6357.709120

12/31/20107.7099.092108

12/31/20119.0927.990110

12/31/20127.99010.12489

12/31/201310.12410.17777

12/31/201410.17711.29863

12/31/201511.29810.87754

2.50%

12/31/2007N/A10.6530

12/31/200810.6535.628135

12/31/20095.6287.695277

12/31/20107.6959.071258

12/31/20119.0717.968283

12/31/20127.96810.090279

12/31/201310.09010.138244

12/31/201410.13811.249209

12/31/201511.24910.825181

2.55%

12/31/2007N/A10.6450

12/31/200810.6455.62028

12/31/20095.6207.681145

12/31/20107.6819.049135

12/31/20119.0497.945145

12/31/20127.94510.056129

12/31/201310.05610.099123

12/31/201410.09911.20187

12/31/201511.20110.77277

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A10.6360

12/31/200810.6365.61390

12/31/20095.6137.667116

12/31/20107.6679.028126

12/31/20119.0287.923122

12/31/20127.92310.023111

12/31/201310.02310.061105

12/31/201410.06111.152120

12/31/201511.15210.720110

2.65%

12/31/2007N/A10.6270

12/31/200810.6275.605156

12/31/20095.6057.653194

12/31/20107.6539.007210

12/31/20119.0077.900228

12/31/20127.9009.989189

12/31/20139.98910.022192

12/31/201410.02211.104177

12/31/201511.10410.669132

2.70%

12/31/2007N/A10.6180

12/31/200810.6185.59832

12/31/20095.5987.63948

12/31/20107.6398.98645

12/31/20118.9867.87846

12/31/20127.8789.95628

12/31/20139.9569.98428

12/31/20149.98411.05648

12/31/201511.05610.61724

2.75%

12/31/2007N/A10.6090

12/31/200810.6095.59025

12/31/20095.5907.62546

12/31/20107.6258.96538

12/31/20118.9657.85637

12/31/20127.8569.92332

12/31/20139.9239.94537

12/31/20149.94511.00851

12/31/201511.00810.56655

2.80%

12/31/2007N/A10.6000

12/31/200810.6005.58312

12/31/20095.5837.61140

12/31/20107.6118.94431

12/31/20118.9447.83331

12/31/20127.8339.89035

12/31/20139.8909.90727

12/31/20149.90710.96052

12/31/201510.96010.51525

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

39

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A10.5910

12/31/200810.5915.57513

12/31/20095.5757.59733

12/31/20107.5978.92325

12/31/20118.9237.81127

12/31/20127.8119.85724

12/31/20139.8579.86924

12/31/20149.86910.91324

12/31/201510.91310.46420

2.90%

12/31/2007N/A10.5820

12/31/200810.5825.56822

12/31/20095.5687.58336

12/31/20107.5838.90240

12/31/20118.9027.78943

12/31/20127.7899.82437

12/31/20139.8249.83134

12/31/20149.83110.86546

12/31/201510.86510.41348

2.95%

12/31/2007N/A10.5730

12/31/200810.5735.56010

12/31/20095.5607.56917

12/31/20107.5698.88214

12/31/20118.8827.76715

12/31/20127.7679.79117

12/31/20139.7919.79415

12/31/20149.79410.81821

12/31/201510.81810.36313

3.00%

12/31/2008N/A5.5541

12/31/20095.5547.5551

12/31/20107.5558.8623

12/31/20118.8627.7466

12/31/20127.7469.7591

12/31/20139.7599.7577

12/31/20149.75710.77211

12/31/201510.77210.31412

3.05%

12/31/2009N/A7.5412

12/31/20107.5418.8400

12/31/20118.8407.7230

12/31/20127.7239.7260

12/31/20139.7269.7192

12/31/20149.71910.72535

12/31/201510.72510.26434

3.10%

12/31/2009N/A7.5272

12/31/20107.5278.8200

12/31/20118.8207.7010

12/31/20127.7019.6940

12/31/20139.6949.6820

12/31/20149.68210.6790

12/31/201510.67910.2140

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.15%

12/31/2009N/A7.5140

12/31/20107.5148.7990

12/31/20118.7997.6790

12/31/20127.6799.6610

12/31/20139.6619.6451

12/31/20149.64510.6326

12/31/201510.63210.16512

3.20%

12/31/2013N/A10.3510

12/31/201410.35111.4060

12/31/201511.40610.8990

3.25%

12/31/2013N/A10.3120

12/31/201410.31211.3560

12/31/201511.35610.8460

3.30%

12/31/2013N/A9.5350

12/31/20149.53510.4966

12/31/201510.49610.01912

3.35%

12/31/2013N/A10.2330

12/31/201410.23311.2580

12/31/201511.25810.7413

3.40%

12/31/2013N/A10.1930

12/31/201410.19311.2090

12/31/201511.20910.6890

AZL MVP Balanced Index Strategy Fund

1.65%

12/31/2012N/A10.676701

12/31/201310.67611.821763

12/31/201411.82112.335786

12/31/201512.33512.1061017

1.70%

12/31/2012N/A10.671907

12/31/201310.67111.8091367

12/31/201411.80912.3171300

12/31/201512.31712.0821387

1.75%

12/31/2012N/A10.66657

12/31/201310.66611.79755

12/31/201411.79712.29926

12/31/201512.29912.05820

1.80%

12/31/2015N/A12.03439

1.95%

12/31/2012N/A10.645611

12/31/201310.64511.751822

12/31/201411.75112.226467

12/31/201512.22611.963472

2.05%

12/31/2012N/A10.6350

12/31/201310.63511.7280

12/31/201411.72812.1900

12/31/201512.19011.91526

2.10%

12/31/2015N/A11.89242

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

40

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.15%

12/31/2015N/A11.8688

2.20%

12/31/2015N/A11.84514

2.25%

12/31/2015N/A11.82112

2.30%

12/31/2015N/A11.7980

2.35%

12/31/2015N/A11.77445

2.40%

12/31/2015N/A11.7513

2.45%

12/31/2015N/A11.7272

2.50%

12/31/2015N/A11.70444

2.55%

12/31/2015N/A11.6812

2.60%

12/31/2015N/A11.6589

2.65%

12/31/2015N/A11.6352

2.70%

12/31/2015N/A11.6110

2.75%

12/31/2015N/A11.58815

2.80%

12/31/2015N/A11.56526

2.85%

12/31/2015N/A11.5420

2.90%

12/31/2015N/A11.5193

2.95%

12/31/2015N/A11.4970

3.00%

12/31/2015N/A11.4741

3.05%

12/31/2015N/A11.4510

3.10%

12/31/2015N/A11.4280

3.15%

12/31/2015N/A11.4060

3.20%

12/31/2015N/A11.3830

3.25%

12/31/2015N/A11.3600

3.30%

12/31/2015N/A11.3380

3.35%

12/31/2015N/A11.3150

3.40%

12/31/2015N/A11.2930

AZL MVP BlackRock Global Strategy Plus Fund

1.65%

12/31/2012N/A10.5015346

12/31/201310.50111.7835574

12/31/201411.78311.8245378

12/31/201511.82411.4565035

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2012N/A10.4953924

12/31/201310.49511.7715863

12/31/201411.77111.8065635

12/31/201511.80611.4345281

1.75%

12/31/2012N/A10.490183

12/31/201310.49011.760191

12/31/201411.76011.788172

12/31/201511.78811.411130

1.95%

12/31/2012N/A10.4701444

12/31/201310.47011.7131390

12/31/201411.71311.7181219

12/31/201511.71811.3211039

2.05%

12/31/2012N/A10.4601

12/31/201310.46011.6903

12/31/201411.69011.6842

12/31/201511.68411.2762

AZL MVP DFA Multi-Strategy Fund

1.65%

12/31/2015N/A9.393111

1.70%

12/31/2015N/A9.390215

1.75%

12/31/2015N/A9.38651

1.95%

12/31/2015N/A9.37320

2.05%

12/31/2015N/A9.3671

AZL MVP Fusion Dynamic Balanced Fund

1.65%

12/31/2007N/A12.04187

12/31/200812.0418.593127

12/31/20098.59310.710491

12/31/201010.71011.7013397

12/31/201111.70111.4065962

12/31/201211.40612.4976596

12/31/201312.49713.7007749

12/31/201413.70014.0946836

12/31/201514.09413.6206045

1.70%

12/31/2007N/A12.025400

12/31/200812.0258.577720

12/31/20098.57710.6851218

12/31/201010.68511.6684728

12/31/201111.66811.3687079

12/31/201211.36812.4497000

12/31/201312.44913.6418476

12/31/201413.64114.0267934

12/31/201514.02613.5487406

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

41

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.75%

12/31/2009N/A10.66026

12/31/201010.66011.635309

12/31/201111.63511.330449

12/31/201211.33012.401438

12/31/201312.40113.582364

12/31/201413.58213.958338

12/31/201513.95813.476290

1.80%

12/31/2008N/A8.5461350

12/31/20098.54610.6352498

12/31/201010.63511.6022833

12/31/201111.60211.2932890

12/31/201211.29312.3542854

12/31/201312.35413.5232902

12/31/201413.52313.8913127

12/31/201513.89113.4042949

1.95%

12/31/2007N/A11.94441

12/31/200811.9448.499108

12/31/20098.49910.5611360

12/31/201010.56111.5032154

12/31/201111.50311.1802804

12/31/201211.18012.2122954

12/31/201312.21213.3483126

12/31/201413.34813.6913053

12/31/201513.69113.1913022

2.05%

12/31/2008N/A8.468598

12/31/20098.46810.5121254

12/31/201010.51211.4391419

12/31/201111.43911.1061521

12/31/201211.10612.1191522

12/31/201312.11913.2331487

12/31/201413.23313.5591408

12/31/201513.55913.0511269

2.10%

12/31/2007N/A11.8970

12/31/200811.8978.4521073

12/31/20098.45210.4872218

12/31/201010.48711.4062599

12/31/201111.40611.0692866

12/31/201211.06912.0722687

12/31/201312.07213.1762580

12/31/201413.17613.4932372

12/31/201513.49312.9811895

2.15%

12/31/2008N/A8.43781

12/31/20098.43710.463120

12/31/201010.46311.374215

12/31/201111.37411.032246

12/31/201211.03212.026244

12/31/201312.02613.119265

12/31/201413.11913.429314

12/31/201513.42912.913327

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.20%

12/31/2007N/A11.8650

12/31/200811.8658.421706

12/31/20098.42110.4381825

12/31/201010.43811.3411781

12/31/201111.34110.9951642

12/31/201210.99511.9801574

12/31/201311.98013.0621471

12/31/201413.06213.3631435

12/31/201513.36312.8431316

2.25%

12/31/2007N/A11.8490

12/31/200811.8498.405443

12/31/20098.40510.4141142

12/31/201010.41411.3091104

12/31/201111.30910.9581107

12/31/201210.95811.9341113

12/31/201311.93413.0051111

12/31/201413.00513.2991014

12/31/201513.29912.7751057

2.30%

12/31/2009N/A10.3899

12/31/201010.38911.27710

12/31/201111.27710.92210

12/31/201210.92211.8889

12/31/201311.88812.9498

12/31/201412.94913.2358

12/31/201513.23512.7079

2.35%

12/31/2007N/A11.8170

12/31/200811.8178.3741053

12/31/20098.37410.3653398

12/31/201010.36511.2453517

12/31/201111.24510.8863589

12/31/201210.88611.8433445

12/31/201311.84312.8933174

12/31/201412.89313.1712853

12/31/201513.17112.6392633

2.40%

12/31/2007N/A11.8020

12/31/200811.8028.359537

12/31/20098.35910.341890

12/31/201010.34111.213988

12/31/201111.21310.849928

12/31/201210.84911.797810

12/31/201311.79712.837735

12/31/201412.83713.107652

12/31/201513.10712.572574

2.45%

12/31/2007N/A11.7860

12/31/200811.7868.344544

12/31/20098.34410.317692

12/31/201010.31711.181612

12/31/201111.18110.813579

12/31/201210.81311.752517

12/31/201311.75212.781494

12/31/201412.78113.044428

12/31/201513.04412.505413

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

42

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.50%

12/31/2007N/A11.7700

12/31/200811.7708.3281108

12/31/20098.32810.2933051

12/31/201010.29311.1502985

12/31/201111.15010.7772931

12/31/201210.77711.7072803

12/31/201311.70712.7262733

12/31/201412.72612.9812430

12/31/201512.98112.4382315

2.55%

12/31/2007N/A11.7540

12/31/200811.7548.313106

12/31/20098.31310.269350

12/31/201010.26911.118463

12/31/201111.11810.741463

12/31/201210.74111.662444

12/31/201311.66212.671429

12/31/201412.67112.918339

12/31/201512.91812.372278

2.60%

12/31/2007N/A11.7390

12/31/200811.7398.298422

12/31/20098.29810.2451639

12/31/201010.24511.0871705

12/31/201111.08710.7051554

12/31/201210.70511.6171473

12/31/201311.61712.6161362

12/31/201412.61612.8561556

12/31/201512.85612.3061564

2.65%

12/31/2007N/A11.7230

12/31/200811.7238.283614

12/31/20098.28310.2211620

12/31/201010.22111.0551634

12/31/201111.05510.6701518

12/31/201210.67011.5731562

12/31/201311.57312.5611480

12/31/201412.56112.7941366

12/31/201512.79412.2411306

2.70%

12/31/2007N/A11.7070

12/31/200811.7078.267109

12/31/20098.26710.197332

12/31/201010.19711.024326

12/31/201111.02410.634293

12/31/201210.63411.529255

12/31/201311.52912.507238

12/31/201412.50712.732203

12/31/201512.73212.175158

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.75%

12/31/2007N/A11.6920

12/31/200811.6928.25264

12/31/20098.25210.173922

12/31/201010.17310.9931017

12/31/201110.99310.5991117

12/31/201210.59911.4841123

12/31/201311.48412.453941

12/31/201412.45312.670894

12/31/201512.67012.111874

2.80%

12/31/2007N/A11.6760

12/31/200811.6768.23790

12/31/20098.23710.149616

12/31/201010.14910.961776

12/31/201110.96110.563726

12/31/201210.56311.440841

12/31/201311.44012.399644

12/31/201412.39912.609541

12/31/201512.60912.046510

2.85%

12/31/2007N/A11.6600

12/31/200811.6608.22221

12/31/20098.22210.125131

12/31/201010.12510.930132

12/31/201110.93010.528132

12/31/201210.52811.397121

12/31/201311.39712.345114

12/31/201412.34512.548146

12/31/201512.54811.982137

2.90%

12/31/2007N/A11.6450

12/31/200811.6458.20728

12/31/20098.20710.102302

12/31/201010.10210.899277

12/31/201110.89910.493271

12/31/201210.49311.353288

12/31/201311.35312.292324

12/31/201412.29212.488380

12/31/201512.48811.918385

2.95%

12/31/2007N/A11.6290

12/31/200811.6298.19239

12/31/20098.19210.078323

12/31/201010.07810.869365

12/31/201110.86910.458268

12/31/201210.45811.309207

12/31/201311.30912.238227

12/31/201412.23812.428259

12/31/201512.42811.855240

3.00%

12/31/2008N/A8.17710

12/31/20098.17710.05626

12/31/201010.05610.83926

12/31/201110.83910.42426

12/31/201210.42411.26727

12/31/201311.26712.18628

12/31/201412.18612.36982

12/31/201512.36911.79395

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

43

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.05%

12/31/2009N/A10.031155

12/31/201010.03110.807198

12/31/201110.80710.389201

12/31/201210.38911.223194

12/31/201311.22312.133148

12/31/201412.13312.308168

12/31/201512.30811.729165

3.10%

12/31/2009N/A10.00829

12/31/201010.00810.77739

12/31/201110.77710.35424

12/31/201210.35411.18028

12/31/201311.18012.08026

12/31/201412.08012.24942

12/31/201512.24911.66737

3.15%

12/31/2009N/A9.9850

12/31/20109.98510.7469

12/31/201110.74610.3206

12/31/201210.32011.1372

12/31/201311.13712.02840

12/31/201412.02812.19056

12/31/201512.19011.60558

3.20%

12/31/2013N/A12.2206

12/31/201412.22012.37810

12/31/201512.37811.7788

3.25%

12/31/2013N/A12.1670

12/31/201412.16712.3180

12/31/201512.31811.7150

3.30%

12/31/2013N/A11.8730

12/31/201411.87312.0151

12/31/201512.01511.4211

3.35%

12/31/2013N/A12.0620

12/31/201412.06212.1993

12/31/201512.19911.5903

3.40%

12/31/2013N/A12.0090

12/31/201412.00912.1400

12/31/201512.14011.5290

AZL MVP Fusion Dynamic Conservative Fund

1.65%

12/31/2009N/A10.14927

12/31/201010.14911.0771209

12/31/201111.07710.9672589

12/31/201210.96712.0022989

12/31/201312.00212.7452636

12/31/201412.74513.1402202

12/31/201513.14012.8242033

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2009N/A10.14835

12/31/201010.14811.0711101

12/31/201111.07110.9552513

12/31/201210.95511.9832736

12/31/201311.98312.7192745

12/31/201412.71913.1052628

12/31/201513.10512.7852440

1.75%

12/31/2009N/A10.14717

12/31/201010.14711.064101

12/31/201111.06410.943216

12/31/201210.94311.963265

12/31/201311.96312.692202

12/31/201412.69213.071174

12/31/201513.07112.745155

1.80%

12/31/2009N/A10.1464

12/31/201010.14611.05815

12/31/201111.05810.93150

12/31/201210.93111.944103

12/31/201311.94412.66597

12/31/201412.66513.03878

12/31/201513.03812.70680

1.95%

12/31/2009N/A10.14379

12/31/201010.14311.038292

12/31/201111.03810.895563

12/31/201210.89511.887642

12/31/201311.88712.586643

12/31/201412.58612.936508

12/31/201512.93612.588488

2.05%

12/31/2009N/A10.1410

12/31/201010.14111.02557

12/31/201111.02510.871153

12/31/201210.87111.849149

12/31/201311.84912.53392

12/31/201412.53312.86987

12/31/201512.86912.51076

2.10%

12/31/2009N/A10.1408

12/31/201010.14011.01836

12/31/201111.01810.85978

12/31/201210.85911.830138

12/31/201311.83012.507114

12/31/201412.50712.836115

12/31/201512.83612.472117

2.15%

12/31/2009N/A10.1390

12/31/201010.13911.0121

12/31/201111.01210.8472

12/31/201210.84711.8110

12/31/201311.81112.4810

12/31/201412.48112.8030

12/31/201512.80312.4330

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

44

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.20%

12/31/2009N/A10.13812

12/31/201010.13811.005131

12/31/201111.00510.835171

12/31/201210.83511.793178

12/31/201311.79312.455174

12/31/201412.45512.769231

12/31/201512.76912.395221

2.25%

12/31/2009N/A10.1373

12/31/201010.13710.99958

12/31/201110.99910.82492

12/31/201210.82411.77493

12/31/201311.77412.42997

12/31/201412.42912.736106

12/31/201512.73612.356105

2.30%

12/31/2009N/A10.1360

12/31/201010.13610.9920

12/31/201110.99210.8120

12/31/201210.81211.7550

12/31/201311.75512.4030

12/31/201412.40312.7030

12/31/201512.70312.3180

2.35%

12/31/2009N/A10.1359

12/31/201010.13510.985143

12/31/201110.98510.800332

12/31/201210.80011.736512

12/31/201311.73612.377410

12/31/201412.37712.670364

12/31/201512.67012.280419

2.40%

12/31/2009N/A10.1345

12/31/201010.13410.97966

12/31/201110.97910.78816

12/31/201210.78811.718121

12/31/201311.71812.35116

12/31/201412.35112.63750

12/31/201512.63712.24241

2.45%

12/31/2009N/A10.1333

12/31/201010.13310.97268

12/31/201110.97210.77688

12/31/201210.77611.69986

12/31/201311.69912.32594

12/31/201412.32512.605103

12/31/201512.60512.20478

2.50%

12/31/2009N/A10.13234

12/31/201010.13210.966273

12/31/201110.96610.764312

12/31/201210.76411.680449

12/31/201311.68012.299369

12/31/201412.29912.572332

12/31/201512.57212.167411

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.55%

12/31/2009N/A10.1310

12/31/201010.13110.9597

12/31/201110.95910.75352

12/31/201210.75311.66127

12/31/201311.66112.27327

12/31/201412.27312.53927

12/31/201512.53912.12926

2.60%

12/31/2009N/A10.1301

12/31/201010.13010.95346

12/31/201110.95310.741245

12/31/201210.74111.643223

12/31/201311.64312.247220

12/31/201412.24712.507156

12/31/201512.50712.091169

2.65%

12/31/2009N/A10.13013

12/31/201010.13010.94682

12/31/201110.94610.729207

12/31/201210.72911.624197

12/31/201311.62412.222169

12/31/201412.22212.47499

12/31/201512.47412.05484

2.70%

12/31/2009N/A10.1290

12/31/201010.12910.9403

12/31/201110.94010.717134

12/31/201210.71711.606135

12/31/201311.60612.196127

12/31/201412.19612.442127

12/31/201512.44212.017127

2.75%

12/31/2009N/A10.12897

12/31/201010.12810.933136

12/31/201110.93310.706124

12/31/201210.70611.587206

12/31/201311.58712.171161

12/31/201412.17112.410184

12/31/201512.41011.980175

2.80%

12/31/2009N/A10.1270

12/31/201010.12710.92744

12/31/201110.92710.69449

12/31/201210.69411.569113

12/31/201311.56912.14547

12/31/201412.14512.37860

12/31/201512.37811.94279

2.85%

12/31/2009N/A10.1260

12/31/201010.12610.92037

12/31/201110.92010.68240

12/31/201210.68211.55038

12/31/201311.55012.12075

12/31/201412.12012.34572

12/31/201512.34511.90636

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

45

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.90%

12/31/2009N/A10.1250

12/31/201010.12510.9142

12/31/201110.91410.671117

12/31/201210.67111.532121

12/31/201311.53212.0942

12/31/201412.09412.3132

12/31/201512.31311.86910

2.95%

12/31/2009N/A10.1240

12/31/201010.12410.90716

12/31/201110.90710.6590

12/31/201210.65911.51339

12/31/201311.51312.06945

12/31/201412.06912.2818

12/31/201512.28111.8320

3.00%

12/31/2009N/A10.1230

12/31/201010.12310.9010

12/31/201110.90110.64721

12/31/201210.64711.4958

12/31/201311.49512.0440

12/31/201412.04412.2500

12/31/201512.25011.79536

3.05%

12/31/2009N/A10.1220

12/31/201010.12210.8941

12/31/201110.89410.6360

12/31/201210.63611.47720

12/31/201311.47712.0180

12/31/201412.01812.2185

12/31/201512.21811.7596

3.10%

12/31/2009N/A10.1210

12/31/201010.12110.8880

12/31/201110.88810.6240

12/31/201210.62411.4580

12/31/201311.45811.99320

12/31/201411.99312.1860

12/31/201512.18611.7230

3.15%

12/31/2009N/A10.1200

12/31/201010.12010.8810

12/31/201110.88110.6120

12/31/201210.61211.4400

12/31/201311.44011.9680

12/31/201411.96812.1555

12/31/201512.15511.6865

3.20%

12/31/2013N/A11.9370

12/31/201411.93712.1170

12/31/201512.11711.6440

3.25%

12/31/2013N/A11.9120

12/31/201411.91212.0850

12/31/201512.08511.6080

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.30%

12/31/2013N/A11.8930

12/31/201411.89312.0600

12/31/201512.06011.5780

3.35%

12/31/2013N/A11.8620

12/31/201411.86212.0220

12/31/201512.02211.5360

3.40%

12/31/2013N/A11.8370

12/31/201411.83711.9910

12/31/201511.99111.5000

AZL MVP Fusion Dynamic Moderate Fund

1.65%

12/31/2007N/A12.313463

12/31/200812.3138.144680

12/31/20098.14410.3681908

12/31/201010.36811.3969904

12/31/201111.39610.89217048

12/31/201210.89212.05517984

12/31/201312.05513.65720030

12/31/201413.65714.00218177

12/31/201514.00213.48215709

1.70%

12/31/2007N/A12.297627

12/31/200812.2978.129832

12/31/20098.12910.3442440

12/31/201010.34411.36411113

12/31/201111.36410.85516477

12/31/201210.85512.00917360

12/31/201312.00913.59720150

12/31/201413.59713.93518507

12/31/201513.93513.41016954

1.75%

12/31/2009N/A10.32056

12/31/201010.32011.331267

12/31/201111.33110.819411

12/31/201210.81911.963453

12/31/201311.96313.539555

12/31/201413.53913.867428

12/31/201513.86713.339401

1.80%

12/31/2008N/A8.100191

12/31/20098.10010.296415

12/31/201010.29611.300431

12/31/201111.30010.783435

12/31/201210.78311.917367

12/31/201311.91713.480301

12/31/201413.48013.801266

12/31/201513.80113.268208

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

46

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.95%

12/31/2007N/A12.21561

12/31/200812.2158.05596

12/31/20098.05510.2231071

12/31/201010.22311.2033846

12/31/201111.20310.6765295

12/31/201210.67611.7805010

12/31/201311.78013.3064987

12/31/201413.30613.6014309

12/31/201513.60113.0573777

2.05%

12/31/2008N/A8.02623

12/31/20098.02610.176119

12/31/201010.17611.140217

12/31/201111.14010.605295

12/31/201210.60511.691279

12/31/201311.69113.191244

12/31/201413.19113.471221

12/31/201513.47112.919209

2.10%

12/31/2007N/A12.1660

12/31/200812.1668.011858

12/31/20098.01110.1521597

12/31/201010.15211.1081696

12/31/201111.10810.5691701

12/31/201210.56911.6451657

12/31/201311.64513.1331490

12/31/201413.13313.4051228

12/31/201513.40512.8491108

2.15%

12/31/2008N/A7.99638

12/31/20097.99610.12948

12/31/201010.12911.07744

12/31/201111.07710.53536

12/31/201210.53511.60132

12/31/201311.60113.07730

12/31/201413.07713.34128

12/31/201513.34112.78115

2.20%

12/31/2007N/A12.1330

12/31/200812.1337.9811201

12/31/20097.98110.1052277

12/31/201010.10511.0462315

12/31/201111.04610.4992190

12/31/201210.49911.5562040

12/31/201311.55613.0201989

12/31/201413.02013.2761904

12/31/201513.27612.7131697

2.25%

12/31/2007N/A12.1170

12/31/200812.1177.966392

12/31/20097.96610.081881

12/31/201010.08111.0141036

12/31/201111.01410.4641074

12/31/201210.46411.5121025

12/31/201311.51212.963866

12/31/201412.96313.212640

12/31/201513.21212.645574

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.30%

12/31/2009N/A10.0570

12/31/201010.05710.9830

12/31/201110.98310.4290

12/31/201210.42911.4680

12/31/201311.46812.9070

12/31/201412.90713.1480

12/31/201513.14812.5780

2.35%

12/31/2007N/A12.0850

12/31/200812.0857.9371340

12/31/20097.93710.0347863

12/31/201010.03410.9528130

12/31/201110.95210.3947841

12/31/201210.39411.4247307

12/31/201311.42412.8516936

12/31/201412.85113.0856340

12/31/201513.08512.5115894

2.40%

12/31/2007N/A12.0690

12/31/200812.0697.923497

12/31/20097.92310.0111006

12/31/201010.01110.9211056

12/31/201110.92110.360922

12/31/201210.36011.380881

12/31/201311.38012.796776

12/31/201412.79613.022755

12/31/201513.02212.444707

2.45%

12/31/2007N/A12.0530

12/31/200812.0537.908613

12/31/20097.9089.987852

12/31/20109.98710.890937

12/31/201110.89010.325884

12/31/201210.32511.337832

12/31/201311.33712.740675

12/31/201412.74012.959638

12/31/201512.95912.378553

2.50%

12/31/2007N/A12.0370

12/31/200812.0377.894925

12/31/20097.8949.9646838

12/31/20109.96410.8597256

12/31/201110.85910.2917175

12/31/201210.29111.2936978

12/31/201311.29312.6856826

12/31/201412.68512.8966118

12/31/201512.89612.3125814

2.55%

12/31/2007N/A12.0200

12/31/200812.0207.879185

12/31/20097.8799.941533

12/31/20109.94110.828639

12/31/201110.82810.257577

12/31/201210.25711.250578

12/31/201311.25012.630558

12/31/201412.63012.834417

12/31/201512.83412.246323

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

47

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A12.0040

12/31/200812.0047.865473

12/31/20097.8659.9173823

12/31/20109.91710.7984090

12/31/201110.79810.2224062

12/31/201210.22211.2073997

12/31/201311.20712.5763757

12/31/201412.57612.7723754

12/31/201512.77212.1813428

2.65%

12/31/2007N/A11.9880

12/31/200811.9887.850553

12/31/20097.8509.8943079

12/31/20109.89410.7673338

12/31/201110.76710.1883257

12/31/201210.18811.1643168

12/31/201311.16412.5213150

12/31/201412.52112.7102898

12/31/201512.71012.1162746

2.70%

12/31/2007N/A11.9720

12/31/200811.9727.836126

12/31/20097.8369.871403

12/31/20109.87110.736401

12/31/201110.73610.154365

12/31/201210.15411.121335

12/31/201311.12112.467338

12/31/201412.46712.649316

12/31/201512.64912.052256

2.75%

12/31/2007N/A11.9560

12/31/200811.9567.821209

12/31/20097.8219.8482547

12/31/20109.84810.7062769

12/31/201110.70610.1212567

12/31/201210.12111.0782428

12/31/201311.07812.4132453

12/31/201412.41312.5882640

12/31/201512.58811.9872483

2.80%

12/31/2007N/A11.9400

12/31/200811.9407.807163

12/31/20097.8079.8251988

12/31/20109.82510.6762206

12/31/201110.67610.0872130

12/31/201210.08711.0362029

12/31/201311.03612.3591950

12/31/201412.35912.5271609

12/31/201512.52711.9241503

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A11.9240

12/31/200811.9247.79331

12/31/20097.7939.802292

12/31/20109.80210.645308

12/31/201110.64510.053256

12/31/201210.05310.994246

12/31/201310.99412.306224

12/31/201412.30612.467267

12/31/201512.46711.860240

2.90%

12/31/2007N/A11.9080

12/31/200811.9087.77863

12/31/20097.7789.7791160

12/31/20109.77910.6151359

12/31/201110.61510.0201218

12/31/201210.02010.9511234

12/31/201310.95112.2521201

12/31/201412.25212.4061002

12/31/201512.40611.797974

2.95%

12/31/2007N/A11.8930

12/31/200811.8937.76478

12/31/20097.7649.756679

12/31/20109.75610.585814

12/31/201110.5859.986668

12/31/20129.98610.909625

12/31/201310.90912.199647

12/31/201412.19912.346458

12/31/201512.34611.734380

3.00%

12/31/2008N/A7.7502

12/31/20097.7509.73461

12/31/20109.73410.55646

12/31/201110.5569.95421

12/31/20129.95410.86916

12/31/201310.86912.14719

12/31/201412.14712.28846

12/31/201512.28811.67378

3.05%

12/31/2009N/A9.711647

12/31/20109.71110.526676

12/31/201110.5269.920634

12/31/20129.92010.826610

12/31/201310.82612.094556

12/31/201412.09412.228594

12/31/201512.22811.610600

3.10%

12/31/2009N/A9.688343

12/31/20109.68810.496251

12/31/201110.4969.887253

12/31/20129.88710.785125

12/31/201310.78512.042144

12/31/201412.04212.169142

12/31/201512.16911.548130

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

48

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.15%

12/31/2009N/A9.66617

12/31/20109.66610.46637

12/31/201110.4669.85421

12/31/20129.85410.74424

12/31/201310.74411.99047

12/31/201411.99012.110110

12/31/201512.11011.487124

3.20%

12/31/2013N/A12.2960

12/31/201412.29612.41416

12/31/201512.41411.76929

3.25%

12/31/2013N/A12.2430

12/31/201412.24312.3540

12/31/201512.35411.7060

3.30%

12/31/2013N/A11.8350

12/31/201411.83511.93635

12/31/201511.93611.30535

3.35%

12/31/2013N/A12.1370

12/31/201412.13712.2350

12/31/201512.23511.5810

3.40%

12/31/2013N/A12.0850

12/31/201412.08512.1750

12/31/201512.17511.5200

AZL MVP Growth Index Strategy Fund

1.65%

12/31/2012N/A10.9213223

12/31/201310.92112.9813497

12/31/201412.98113.5963420

12/31/201513.59613.2664494

1.70%

12/31/2012N/A10.9152960

12/31/201310.91512.9695306

12/31/201412.96913.5755249

12/31/201513.57513.2405418

1.75%

12/31/2012N/A10.910126

12/31/201310.91012.956125

12/31/201412.95613.555124

12/31/201513.55513.213111

1.80%

12/31/2015N/A13.1875

1.95%

12/31/2012N/A10.8891120

12/31/201310.88912.9051108

12/31/201412.90513.4751224

12/31/201513.47513.1091907

2.05%

12/31/2012N/A10.8784

12/31/201310.87812.8795

12/31/201412.87913.43517

12/31/201513.43513.05782

2.10%

12/31/2015N/A13.03142

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.15%

12/31/2015N/A13.0050

2.20%

12/31/2015N/A12.979205

2.25%

12/31/2015N/A12.95349

2.30%

12/31/2015N/A12.9270

2.35%

12/31/2015N/A12.902355

2.40%

12/31/2015N/A12.876119

2.45%

12/31/2015N/A12.85135

2.50%

12/31/2015N/A12.825220

2.55%

12/31/2015N/A12.80060

2.60%

12/31/2015N/A12.774124

2.65%

12/31/2015N/A12.749117

2.70%

12/31/2015N/A12.72324

2.75%

12/31/2015N/A12.698105

2.80%

12/31/2015N/A12.67357

2.85%

12/31/2015N/A12.64815

2.90%

12/31/2015N/A12.62361

2.95%

12/31/2015N/A12.5987

3.00%

12/31/2015N/A12.5733

3.05%

12/31/2015N/A12.5485

3.10%

12/31/2015N/A12.5231

3.15%

12/31/2015N/A12.4982

3.20%

12/31/2015N/A12.4730

3.25%

12/31/2015N/A12.4480

3.30%

12/31/2015N/A12.4240

3.35%

12/31/2015N/A12.3990

3.40%

12/31/2015N/A12.3740

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

49

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

AZL MVP Moderate Index Strategy Fund

1.65%

12/31/2012N/A10.715944

12/31/201310.71513.0561268

12/31/201413.05613.9241393

12/31/201513.92413.2561337

1.70%

12/31/2012N/A10.7101195

12/31/201310.71013.0442361

12/31/201413.04413.9032405

12/31/201513.90313.2302293

1.75%

12/31/2012N/A10.70428

12/31/201310.70413.03154

12/31/201413.03113.88360

12/31/201513.88313.20349

1.95%

12/31/2012N/A10.683326

12/31/201310.68312.979429

12/31/201412.97913.800535

12/31/201513.80013.099535

2.05%

12/31/2012N/A10.67312

12/31/201310.67312.95413

12/31/201412.95413.7597

12/31/201513.75913.0476

AZL MVP Pyramis Multi-Strategy Fund

1.65%

12/31/2012N/A10.568422

12/31/201310.56812.244568

12/31/201412.24412.325598

12/31/201512.32511.370519

1.70%

12/31/2012N/A10.565648

12/31/201310.56512.2342014

12/31/201412.23412.3091601

12/31/201512.30911.3491590

1.75%

12/31/2012N/A10.5617

12/31/201310.56112.22413

12/31/201412.22412.29226

12/31/201512.29211.32925

1.95%

12/31/2012N/A10.547136

12/31/201310.54712.183146

12/31/201412.18312.227203

12/31/201512.22711.245189

2.05%

12/31/2012N/A10.5390

12/31/201310.53912.1621

12/31/201412.16212.1940

12/31/201512.19411.2040

AZL MVP T. Rowe Price Capital Appreciation Plus Fund

1.65%

12/31/2014N/A10.9422971

12/31/201510.94211.2105441

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2014N/A10.9371746

12/31/201510.93711.1993598

1.75%

12/31/2014N/A10.931410

12/31/201510.93111.188643

1.95%

12/31/2014N/A10.9101466

12/31/201510.91011.1442202

2.05%

12/31/2014N/A10.89984

12/31/201510.89911.122152

AZL Pyramis Multi-Strategy Fund

1.65%

12/31/2009N/A10.213136

12/31/201010.21311.0522484

12/31/201111.05210.6734919

12/31/201210.67312.0495036

12/31/201312.04913.9995562

12/31/201413.99914.0645090

12/31/201514.06413.0794218

1.70%

12/31/2009N/A10.212125

12/31/201010.21211.0462245

12/31/201111.04610.6614245

12/31/201210.66112.0294262

12/31/201312.02913.9704834

12/31/201413.97014.0284418

12/31/201514.02813.0383985

1.75%

12/31/2009N/A10.21118

12/31/201010.21111.039150

12/31/201111.03910.649245

12/31/201210.64912.010236

12/31/201312.01013.940227

12/31/201413.94013.992216

12/31/201513.99212.998177

1.80%

12/31/2009N/A10.2101

12/31/201010.21011.0337

12/31/201111.03310.63812

12/31/201210.63811.99141

12/31/201311.99113.91143

12/31/201413.91113.95544

12/31/201513.95512.95837

1.95%

12/31/2009N/A10.20729

12/31/201010.20711.013772

12/31/201111.01310.6031689

12/31/201210.60311.9341921

12/31/201311.93413.8242071

12/31/201413.82413.8471656

12/31/201513.84712.8381551

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

50

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2009N/A10.2050

12/31/201010.20511.00035

12/31/201111.00010.580146

12/31/201210.58011.896149

12/31/201311.89613.766131

12/31/201413.76613.77591

12/31/201513.77512.75887

2.10%

12/31/2009N/A10.2040

12/31/201010.20410.99323

12/31/201110.99310.56850

12/31/201210.56811.87789

12/31/201311.87713.737131

12/31/201413.73713.739168

12/31/201513.73912.719182

2.15%

12/31/2009N/A10.2030

12/31/201010.20310.9873

12/31/201110.98710.5565

12/31/201210.55611.8586

12/31/201311.85813.7084

12/31/201413.70813.7043

12/31/201513.70412.6802

2.20%

12/31/2009N/A10.2021

12/31/201010.20210.98043

12/31/201110.98010.54547

12/31/201210.54511.83994

12/31/201311.83913.680214

12/31/201413.68013.668275

12/31/201513.66812.640266

2.25%

12/31/2009N/A10.2012

12/31/201010.20110.97424

12/31/201110.97410.53342

12/31/201210.53311.82093

12/31/201311.82013.65197

12/31/201413.65113.633103

12/31/201513.63312.601120

2.30%

12/31/2009N/A10.2000

12/31/201010.20010.9670

12/31/201110.96710.5220

12/31/201210.52211.8010

12/31/201311.80113.6220

12/31/201413.62213.5970

12/31/201513.59712.5620

2.35%

12/31/2009N/A10.1998

12/31/201010.19910.961202

12/31/201110.96110.510333

12/31/201210.51011.782516

12/31/201311.78213.594725

12/31/201413.59413.562783

12/31/201513.56212.523712

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.40%

12/31/2009N/A10.1982

12/31/201010.19810.954319

12/31/201110.95410.49920

12/31/201210.49911.76342

12/31/201311.76313.56578

12/31/201413.56513.52796

12/31/201513.52712.485102

2.45%

12/31/2009N/A10.197130

12/31/201010.19710.948150

12/31/201110.94810.487158

12/31/201210.48711.745168

12/31/201311.74513.537189

12/31/201413.53713.492198

12/31/201513.49212.446201

2.50%

12/31/2009N/A10.19629

12/31/201010.19610.941272

12/31/201110.94110.476362

12/31/201210.47611.726397

12/31/201311.72613.509697

12/31/201413.50913.457705

12/31/201513.45712.408600

2.55%

12/31/2009N/A10.1956

12/31/201010.19510.9354

12/31/201110.93510.46429

12/31/201210.46411.70727

12/31/201311.70713.48039

12/31/201413.48013.42260

12/31/201513.42212.36959

2.60%

12/31/2009N/A10.1940

12/31/201010.19410.92844

12/31/201110.92810.45383

12/31/201210.45311.68899

12/31/201311.68813.452225

12/31/201413.45213.387301

12/31/201513.38712.331297

2.65%

12/31/2009N/A10.1937

12/31/201010.19310.922140

12/31/201110.92210.442210

12/31/201210.44211.670237

12/31/201311.67013.424305

12/31/201413.42413.352360

12/31/201513.35212.293351

2.70%

12/31/2009N/A10.1920

12/31/201010.19210.91533

12/31/201110.91510.43038

12/31/201210.43011.65147

12/31/201311.65113.39683

12/31/201413.39613.318111

12/31/201513.31812.255114

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

51

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.75%

12/31/2009N/A10.1915

12/31/201010.19110.90938

12/31/201110.90910.419128

12/31/201210.41911.632161

12/31/201311.63213.368234

12/31/201413.36813.283331

12/31/201513.28312.217248

2.80%

12/31/2009N/A10.1907

12/31/201010.19010.90280

12/31/201110.90210.407123

12/31/201210.40711.614120

12/31/201311.61413.340250

12/31/201413.34013.249296

12/31/201513.24912.179326

2.85%

12/31/2009N/A10.1890

12/31/201010.18910.8964

12/31/201110.89610.3967

12/31/201210.39611.59517

12/31/201311.59513.31213

12/31/201413.31213.21446

12/31/201513.21412.14145

2.90%

12/31/2009N/A10.1895

12/31/201010.18910.889113

12/31/201110.88910.38591

12/31/201210.38511.57786

12/31/201311.57713.284116

12/31/201413.28413.180155

12/31/201513.18012.104246

2.95%

12/31/2009N/A10.1881

12/31/201010.18810.88360

12/31/201110.88310.37366

12/31/201210.37311.55861

12/31/201311.55813.25660

12/31/201413.25613.14662

12/31/201513.14612.066254

3.00%

12/31/2009N/A10.1870

12/31/201010.18710.8762

12/31/201110.87610.3622

12/31/201210.36211.5406

12/31/201311.54013.2283

12/31/201413.22813.1127

12/31/201513.11212.0297

3.05%

12/31/2009N/A10.1860

12/31/201010.18610.87034

12/31/201110.87010.35034

12/31/201210.35011.52229

12/31/201311.52213.201107

12/31/201413.20113.078122

12/31/201513.07811.992190

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2009N/A10.1850

12/31/201010.18510.8634

12/31/201110.86310.33910

12/31/201210.33911.5038

12/31/201311.50313.1733

12/31/201413.17313.0443

12/31/201513.04411.9550

3.15%

12/31/2009N/A10.1840

12/31/201010.18410.8571

12/31/201110.85710.3280

12/31/201210.32811.4852

12/31/201311.48513.1456

12/31/201413.14513.01033

12/31/201513.01011.91830

3.20%

12/31/2013N/A20.4221

12/31/201420.42220.2026

12/31/201520.20218.4965

3.25%

12/31/2013N/A20.2470

12/31/201420.24720.0190

12/31/201520.01918.3200

3.30%

12/31/2013N/A13.0630

12/31/201413.06312.9093

12/31/201512.90911.8083

3.35%

12/31/2013N/A19.9020

12/31/201419.90219.6580

12/31/201519.65817.9720

3.40%

12/31/2013N/A19.7320

12/31/201419.73219.4800

12/31/201519.48017.8000

AZL Pyramis Total Bond Fund

1.65%

12/31/2012N/A10.0072

12/31/201310.0079.62779

12/31/20149.6279.978318

12/31/20159.9789.728373

1.70%

12/31/2012N/A10.00629

12/31/201310.0069.621104

12/31/20149.6219.967572

12/31/20159.9679.711619

1.75%

12/31/2012N/A10.0046

12/31/201310.0049.61432

12/31/20149.6149.955112

12/31/20159.9559.695107

1.80%

12/31/2012N/A10.0030

12/31/201310.0039.6082

12/31/20149.6089.94454

12/31/20159.9449.67970

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

52

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.95%

12/31/2012N/A9.9987

12/31/20139.9989.5896

12/31/20149.5899.90939

12/31/20159.9099.63166

2.05%

12/31/2012N/A9.9950

12/31/20139.9959.5770

12/31/20149.5779.8866

12/31/20159.8869.59960

2.10%

12/31/2012N/A9.9932

12/31/20139.9939.5706

12/31/20149.5709.87511

12/31/20159.8759.58322

2.15%

12/31/2012N/A9.9910

12/31/20139.9919.5640

12/31/20149.5649.8630

12/31/20159.8639.5680

2.20%

12/31/2012N/A9.9902

12/31/20139.9909.5580

12/31/20149.5589.8523

12/31/20159.8529.5529

2.25%

12/31/2012N/A9.9881

12/31/20139.9889.5511

12/31/20149.5519.84118

12/31/20159.8419.5365

2.30%

12/31/2012N/A9.9870

12/31/20139.9879.5450

12/31/20149.5459.8290

12/31/20159.8299.5200

2.35%

12/31/2012N/A9.9851

12/31/20139.9859.5393

12/31/20149.5399.81867

12/31/20159.8189.50485

2.40%

12/31/2012N/A9.9840

12/31/20139.9849.5323

12/31/20149.5329.80632

12/31/20159.8069.48944

2.45%

12/31/2012N/A9.9821

12/31/20139.9829.5260

12/31/20149.5269.79582

12/31/20159.7959.47378

2.50%

12/31/2012N/A9.9806

12/31/20139.9809.52021

12/31/20149.5209.78439

12/31/20159.7849.457103

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.55%

12/31/2012N/A9.9794

12/31/20139.9799.5143

12/31/20149.5149.77260

12/31/20159.7729.44142

2.60%

12/31/2012N/A9.9770

12/31/20139.9779.5074

12/31/20149.5079.76141

12/31/20159.7619.42645

2.65%

12/31/2012N/A9.9760

12/31/20139.9769.5010

12/31/20149.5019.75017

12/31/20159.7509.41024

2.70%

12/31/2012N/A9.9740

12/31/20139.9749.4951

12/31/20149.4959.73832

12/31/20159.7389.39532

2.75%

12/31/2012N/A9.9720

12/31/20139.9729.4891

12/31/20149.4899.7276

12/31/20159.7279.37912

2.80%

12/31/2012N/A9.9710

12/31/20139.9719.4821

12/31/20149.4829.71622

12/31/20159.7169.36322

2.85%

12/31/2012N/A9.9690

12/31/20139.9699.4760

12/31/20149.4769.7051

12/31/20159.7059.3481

2.90%

12/31/2012N/A9.9680

12/31/20139.9689.4700

12/31/20149.4709.6932

12/31/20159.6939.3322

2.95%

12/31/2012N/A9.9660

12/31/20139.9669.4640

12/31/20149.4649.6822

12/31/20159.6829.3172

3.00%

12/31/2012N/A9.9650

12/31/20139.9659.4570

12/31/20149.4579.6711

12/31/20159.6719.3010

3.05%

12/31/2012N/A9.9630

12/31/20139.9639.4510

12/31/20149.4519.6606

12/31/20159.6609.2866

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

53

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2012N/A9.9610

12/31/20139.9619.4450

12/31/20149.4459.6490

12/31/20159.6499.2710

3.15%

12/31/2012N/A9.9600

12/31/20139.9609.4390

12/31/20149.4399.6370

12/31/20159.6379.2550

3.20%

12/31/2013N/A9.4310

12/31/20149.4319.6250

12/31/20159.6259.2380

3.25%

12/31/2013N/A9.4250

12/31/20149.4259.6130

12/31/20159.6139.2230

3.30%

12/31/2013N/A9.4300

12/31/20149.4309.6140

12/31/20159.6149.2190

3.35%

12/31/2013N/A9.4120

12/31/20149.4129.5910

12/31/20159.5919.1920

3.40%

12/31/2013N/A9.4060

12/31/20149.4069.5800

12/31/20159.5809.1770

AZL Russell 1000 Growth Index Fund

1.65%

12/31/2014N/A17.5701

12/31/201517.57018.12250

1.70%

12/31/2014N/A17.5298

12/31/201517.52918.07148

1.75%

12/31/2014N/A17.4880

12/31/201517.48818.02013

1.95%

12/31/2014N/A17.32510

12/31/201517.32517.81619

2.05%

12/31/2014N/A17.2440

12/31/201517.24417.7150

AZL Russell 1000 Value Index Fund

1.65%

12/31/2014N/A16.73019

12/31/201516.73015.72833

1.70%

12/31/2014N/A16.69125

12/31/201516.69115.68448

1.75%

12/31/2014N/A16.6521

12/31/201516.65215.6391

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.95%

12/31/2014N/A16.49716

12/31/201516.49715.46314

2.05%

12/31/2014N/A16.4200

12/31/201516.42015.3750

AZL S&P 500 Index Fund

1.65%

12/31/2007N/A9.86572

12/31/20089.8656.053159

12/31/20096.0537.464280

12/31/20107.4648.412373

12/31/20118.4128.403799

12/31/20128.4039.5391125

12/31/20139.53912.3531315

12/31/201412.35313.7451255

12/31/201513.74513.6481036

1.70%

12/31/2007N/A9.862171

12/31/20089.8626.048471

12/31/20096.0487.454595

12/31/20107.4548.396559

12/31/20118.3968.383884

12/31/20128.3839.5121173

12/31/20139.51212.3121465

12/31/201412.31213.6921418

12/31/201513.69213.5891286

1.75%

12/31/2009N/A7.44414

12/31/20107.4448.38147

12/31/20118.3818.36437

12/31/20128.3649.48554

12/31/20139.48512.27164

12/31/201412.27113.64071

12/31/201513.64013.53073

1.80%

12/31/2008N/A6.038431

12/31/20096.0387.4342386

12/31/20107.4348.3662034

12/31/20118.3668.3441828

12/31/20128.3449.4581695

12/31/20139.45812.2301657

12/31/201412.23013.5881571

12/31/201513.58813.4721120

1.95%

12/31/2007N/A9.84641

12/31/20089.8466.02359

12/31/20096.0237.4041216

12/31/20107.4048.3201135

12/31/20118.3208.2861091

12/31/20128.2869.3781212

12/31/20139.37812.1081118

12/31/201412.10813.432980

12/31/201513.43213.298856

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

54

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2008N/A6.01379

12/31/20096.0137.385539

12/31/20107.3858.289540

12/31/20118.2898.247399

12/31/20128.2479.325393

12/31/20139.32512.028328

12/31/201412.02813.329285

12/31/201513.32913.183219

2.10%

12/31/2007N/A9.8360

12/31/20089.8366.008328

12/31/20096.0087.3752122

12/31/20107.3758.2742162

12/31/20118.2748.2282123

12/31/20128.2289.2982332

12/31/20139.29811.9871913

12/31/201411.98713.2781848

12/31/201513.27813.1261850

2.15%

12/31/2008N/A6.00320

12/31/20096.0037.36578

12/31/20107.3658.25942

12/31/20118.2598.20918

12/31/20128.2099.27216

12/31/20139.27211.9475

12/31/201411.94713.2274

12/31/201513.22713.06919

2.20%

12/31/2007N/A9.8290

12/31/20089.8295.998299

12/31/20095.9987.3551962

12/31/20107.3558.2441873

12/31/20118.2448.1901708

12/31/20128.1909.2461766

12/31/20139.24611.9081604

12/31/201411.90813.1771422

12/31/201513.17713.0121295

2.25%

12/31/2007N/A9.8260

12/31/20089.8265.993145

12/31/20095.9937.3451347

12/31/20107.3458.2281158

12/31/20118.2288.1711005

12/31/20128.1719.219924

12/31/20139.21911.868761

12/31/201411.86813.126696

12/31/201513.12612.956564

2.30%

12/31/2009N/A7.3358

12/31/20107.3358.2138

12/31/20118.2138.1524

12/31/20128.1529.1930

12/31/20139.19311.8280

12/31/201411.82813.0760

12/31/201513.07612.9000

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.35%

12/31/2007N/A9.8190

12/31/20089.8195.983909

12/31/20095.9837.3261879

12/31/20107.3268.1981786

12/31/20118.1988.1331685

12/31/20128.1339.1671796

12/31/20139.16711.7891583

12/31/201411.78913.0261418

12/31/201513.02612.8441272

2.40%

12/31/2007N/A9.8160

12/31/20089.8165.978138

12/31/20095.9787.3161235

12/31/20107.3168.1831092

12/31/20118.1838.1141057

12/31/20128.1149.1411008

12/31/20139.14111.750824

12/31/201411.75012.976978

12/31/201512.97612.788846

2.45%

12/31/2007N/A9.8130

12/31/20089.8135.973112

12/31/20095.9737.306573

12/31/20107.3068.168528

12/31/20118.1688.095498

12/31/20128.0959.115470

12/31/20139.11511.711376

12/31/201411.71112.926335

12/31/201512.92612.733306

2.50%

12/31/2007N/A9.8090

12/31/20089.8095.968342

12/31/20095.9687.2961701

12/31/20107.2968.1531554

12/31/20118.1538.0761434

12/31/20128.0769.0901402

12/31/20139.09011.6711221

12/31/201411.67112.8771054

12/31/201512.87712.678961

2.55%

12/31/2007N/A9.8060

12/31/20089.8065.96353

12/31/20095.9637.286582

12/31/20107.2868.138786

12/31/20118.1388.057731

12/31/20128.0579.064694

12/31/20139.06411.633594

12/31/201411.63312.827513

12/31/201512.82712.623475

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

55

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A9.8030

12/31/20089.8035.958101

12/31/20095.9587.277654

12/31/20107.2778.123584

12/31/20118.1238.038512

12/31/20128.0389.038574

12/31/20139.03811.594536

12/31/201411.59412.778595

12/31/201512.77812.568571

2.65%

12/31/2007N/A9.7990

12/31/20089.7995.953314

12/31/20095.9537.2671287

12/31/20107.2678.108896

12/31/20118.1088.019818

12/31/20128.0199.012743

12/31/20139.01211.555681

12/31/201411.55512.729609

12/31/201512.72912.514538

2.70%

12/31/2007N/A9.7960

12/31/20089.7965.94882

12/31/20095.9487.257322

12/31/20107.2578.093283

12/31/20118.0938.001212

12/31/20128.0018.987166

12/31/20138.98711.517151

12/31/201411.51712.681122

12/31/201512.68112.46087

2.75%

12/31/2007N/A9.7930

12/31/20089.7935.94320

12/31/20095.9437.248267

12/31/20107.2488.079192

12/31/20118.0797.982209

12/31/20127.9828.961142

12/31/20138.96111.478234

12/31/201411.47812.632230

12/31/201512.63212.406282

2.80%

12/31/2007N/A9.7900

12/31/20089.7905.93832

12/31/20095.9387.238222

12/31/20107.2388.064173

12/31/20118.0647.963145

12/31/20127.9638.936172

12/31/20138.93611.440136

12/31/201411.44012.584122

12/31/201512.58412.352123

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A9.7860

12/31/20089.7865.9335

12/31/20095.9337.228153

12/31/20107.2288.049150

12/31/20118.0497.945138

12/31/20127.9458.911128

12/31/20138.91111.402115

12/31/201411.40212.53580

12/31/201512.53512.29971

2.90%

12/31/2007N/A9.7830

12/31/20089.7835.92817

12/31/20095.9287.219259

12/31/20107.2198.034179

12/31/20118.0347.926174

12/31/20127.9268.885181

12/31/20138.88511.364203

12/31/201411.36412.487207

12/31/201512.48712.245224

2.95%

12/31/2007N/A9.7800

12/31/20089.7805.92321

12/31/20095.9237.209191

12/31/20107.2098.01965

12/31/20118.0197.90856

12/31/20127.9088.86073

12/31/20138.86011.32667

12/31/201411.32612.43958

12/31/201512.43912.19238

3.00%

12/31/2008N/A5.9181

12/31/20095.9187.1997

12/31/20107.1998.0051

12/31/20118.0057.8891

12/31/20127.8898.83518

12/31/20138.83511.28836

12/31/201411.28812.39239

12/31/201512.39212.14029

3.05%

12/31/2009N/A7.1909

12/31/20107.1907.9900

12/31/20117.9907.8710

12/31/20127.8718.8100

12/31/20138.81011.25123

12/31/201411.25112.34453

12/31/201512.34412.08769

3.10%

12/31/2009N/A7.180125

12/31/20107.1807.9750

12/31/20117.9757.8530

12/31/20127.8538.7850

12/31/20138.78511.2130

12/31/201411.21312.2978

12/31/201512.29712.0358

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

56

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.15%

12/31/2009N/A7.1700

12/31/20107.1707.9610

12/31/20117.9617.8340

12/31/20127.8348.7600

12/31/20138.76011.17621

12/31/201411.17612.25037

12/31/201512.25011.98330

3.20%

12/31/2013N/A11.8530

12/31/201411.85312.98510

12/31/201512.98512.69613

3.25%

12/31/2013N/A11.8130

12/31/201411.81312.9350

12/31/201512.93512.6400

3.30%

12/31/2013N/A11.0641

12/31/201411.06412.11057

12/31/201512.11011.82855

3.35%

12/31/2013N/A11.7340

12/31/201411.73412.83614

12/31/201512.83612.53112

3.40%

12/31/2013N/A11.6950

12/31/201411.69512.7870

12/31/201512.78712.4770

AZL Small Cap Stock Index Fund

1.65%

12/31/2007N/A9.31460

12/31/20089.3146.32676

12/31/20096.3267.76830

12/31/20107.7689.58971

12/31/20119.5899.460239

12/31/20129.46010.776533

12/31/201310.77614.905397

12/31/201414.90515.428305

12/31/201515.42814.797196

1.70%

12/31/2007N/A9.310101

12/31/20089.3106.321128

12/31/20096.3217.75874

12/31/20107.7589.571147

12/31/20119.5719.438273

12/31/20129.43810.746353

12/31/201310.74614.855294

12/31/201414.85515.369274

12/31/201515.36914.733225

1.75%

12/31/2009N/A7.7480

12/31/20107.7489.55416

12/31/20119.5549.41628

12/31/20129.41610.71529

12/31/201310.71514.80615

12/31/201414.80615.31026

12/31/201515.31014.66926

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.80%

12/31/2008N/A6.310155

12/31/20096.3107.737314

12/31/20107.7379.536310

12/31/20119.5369.394282

12/31/20129.39410.685248

12/31/201310.68514.756232

12/31/201414.75615.252152

12/31/201515.25214.606132

1.95%

12/31/2007N/A9.29511

12/31/20089.2956.29413

12/31/20096.2947.706121

12/31/20107.7069.484149

12/31/20119.4849.329181

12/31/20129.32910.594204

12/31/201310.59414.609177

12/31/201414.60915.077175

12/31/201515.07714.417129

2.05%

12/31/2008N/A6.28433

12/31/20096.2847.686101

12/31/20107.6869.449105

12/31/20119.4499.285112

12/31/20129.28510.534121

12/31/201310.53414.512105

12/31/201414.51214.96275

12/31/201514.96214.29356

2.10%

12/31/2007N/A9.2850

12/31/20089.2856.279129

12/31/20096.2797.676470

12/31/20107.6769.432491

12/31/20119.4329.263484

12/31/20129.26310.504495

12/31/201310.50414.464451

12/31/201414.46414.904294

12/31/201514.90414.231353

2.15%

12/31/2008N/A6.2733

12/31/20096.2737.66516

12/31/20107.6659.41512

12/31/20119.4159.24212

12/31/20129.24210.4749

12/31/201310.47414.4169

12/31/201414.41614.8474

12/31/201514.84714.1694

2.20%

12/31/2007N/A9.2790

12/31/20089.2796.268139

12/31/20096.2687.655272

12/31/20107.6559.397287

12/31/20119.3979.220256

12/31/20129.22010.445275

12/31/201310.44514.367295

12/31/201414.36714.790316

12/31/201514.79014.108291

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

57

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.25%

12/31/2007N/A9.2760

12/31/20089.2766.26387

12/31/20096.2637.645187

12/31/20107.6459.380184

12/31/20119.3809.199191

12/31/20129.19910.415181

12/31/201310.41514.320195

12/31/201414.32014.734178

12/31/201514.73414.047146

2.30%

12/31/2009N/A7.6353

12/31/20107.6359.3630

12/31/20119.3639.1770

12/31/20129.17710.3860

12/31/201310.38614.2720

12/31/201414.27214.6770

12/31/201514.67713.9860

2.35%

12/31/2007N/A9.2700

12/31/20089.2706.252187

12/31/20096.2527.624318

12/31/20107.6249.346286

12/31/20119.3469.156266

12/31/20129.15610.356270

12/31/201310.35614.224360

12/31/201414.22414.621342

12/31/201514.62113.925285

2.40%

12/31/2007N/A9.2670

12/31/20089.2676.24784

12/31/20096.2477.614239

12/31/20107.6149.328216

12/31/20119.3289.134224

12/31/20129.13410.327202

12/31/201310.32714.177225

12/31/201414.17714.565152

12/31/201514.56513.865159

2.45%

12/31/2007N/A9.2640

12/31/20089.2646.24257

12/31/20096.2427.604103

12/31/20107.6049.311107

12/31/20119.3119.11391

12/31/20129.11310.29879

12/31/201310.29814.13076

12/31/201414.13014.50952

12/31/201514.50913.80545

2.50%

12/31/2007N/A9.2610

12/31/20089.2616.23798

12/31/20096.2377.594205

12/31/20107.5949.294191

12/31/20119.2949.092181

12/31/20129.09210.268188

12/31/201310.26814.083237

12/31/201414.08314.454218

12/31/201514.45413.745178

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.55%

12/31/2007N/A9.2570

12/31/20089.2576.23222

12/31/20096.2327.58487

12/31/20107.5849.27788

12/31/20119.2779.07184

12/31/20129.07110.23985

12/31/201310.23914.03692

12/31/201414.03614.39875

12/31/201514.39813.68653

2.60%

12/31/2007N/A9.2540

12/31/20089.2546.22675

12/31/20096.2267.574132

12/31/20107.5749.260147

12/31/20119.2609.050140

12/31/20129.05010.210130

12/31/201310.21013.989131

12/31/201413.98914.343150

12/31/201514.34313.626134

2.65%

12/31/2007N/A9.2510

12/31/20089.2516.22158

12/31/20096.2217.563143

12/31/20107.5639.243119

12/31/20119.2439.028111

12/31/20129.02810.181104

12/31/201310.18113.942134

12/31/201413.94214.288138

12/31/201514.28813.567149

2.70%

12/31/2007N/A9.2480

12/31/20089.2486.21615

12/31/20096.2167.55367

12/31/20107.5539.22642

12/31/20119.2269.00737

12/31/20129.00710.15225

12/31/201310.15213.89645

12/31/201413.89614.23324

12/31/201514.23313.50938

2.75%

12/31/2007N/A9.2450

12/31/20089.2456.21123

12/31/20096.2117.54353

12/31/20107.5439.20926

12/31/20119.2098.98628

12/31/20128.98610.12420

12/31/201310.12413.84958

12/31/201413.84914.17963

12/31/201514.17913.45061

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

58

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.80%

12/31/2007N/A9.2420

12/31/20089.2426.2067

12/31/20096.2067.53352

12/31/20107.5339.19260

12/31/20119.1928.96553

12/31/20128.96510.09559

12/31/201310.09513.80372

12/31/201413.80314.12533

12/31/201514.12513.39251

2.85%

12/31/2007N/A9.2390

12/31/20089.2396.2001

12/31/20096.2007.5237

12/31/20107.5239.1754

12/31/20119.1758.9444

12/31/20128.94410.0664

12/31/201310.06613.75730

12/31/201413.75714.07020

12/31/201514.07013.33417

2.90%

12/31/2007N/A9.2360

12/31/20089.2366.19512

12/31/20096.1957.51335

12/31/20107.5139.15924

12/31/20119.1598.92425

12/31/20128.92410.03825

12/31/201310.03813.71144

12/31/201413.71114.01747

12/31/201514.01713.27647

2.95%

12/31/2007N/A9.2330

12/31/20089.2336.1903

12/31/20096.1907.50389

12/31/20107.5039.1425

12/31/20119.1428.9035

12/31/20128.90310.0095

12/31/201310.00913.66610

12/31/201413.66613.96316

12/31/201513.96313.21914

3.00%

12/31/2008N/A6.1851

12/31/20096.1857.4931

12/31/20107.4939.1250

12/31/20119.1258.8820

12/31/20128.8829.9812

12/31/20139.98113.6209

12/31/201413.62013.90915

12/31/201513.90913.16215

3.05%

12/31/2009N/A7.4833

12/31/20107.4839.1080

12/31/20119.1088.8610

12/31/20128.8619.9530

12/31/20139.95313.5752

12/31/201413.57513.85625

12/31/201513.85613.10525

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2009N/A7.4731

12/31/20107.4739.0920

12/31/20119.0928.8410

12/31/20128.8419.9250

12/31/20139.92513.5290

12/31/201413.52913.8031

12/31/201513.80313.0481

3.15%

12/31/2009N/A7.4630

12/31/20107.4639.0750

12/31/20119.0758.8200

12/31/20128.8209.8960

12/31/20139.89613.4840

12/31/201413.48413.75014

12/31/201513.75012.9915

3.20%

12/31/2013N/A14.1950

12/31/201414.19514.4671

12/31/201514.46713.6621

3.25%

12/31/2013N/A14.1480

12/31/201414.14814.4120

12/31/201514.41213.6030

3.30%

12/31/2013N/A13.3500

12/31/201413.35013.5931

12/31/201513.59312.8231

3.35%

12/31/2013N/A14.0530

12/31/201414.05314.3010

12/31/201514.30113.4850

3.40%

12/31/2013N/A14.0060

12/31/201414.00614.2470

12/31/201514.24713.4270

AZL T. Rowe Price Capital Appreciation Fund

1.65%

12/31/2007N/A13.347133

12/31/200813.3477.811212

12/31/20097.81110.12981

12/31/201010.12911.163238

12/31/201111.16310.520449

12/31/201210.52011.622511

12/31/201311.62214.855453

12/31/201414.85516.332434

12/31/201516.33216.878434

1.70%

12/31/2007N/A13.306189

12/31/200813.3067.783419

12/31/20097.78310.088169

12/31/201010.08811.112370

12/31/201111.11210.467531

12/31/201210.46711.557688

12/31/201311.55714.765708

12/31/201414.76516.225699

12/31/201516.22516.759679

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

59

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.75%

12/31/2009N/A10.0391

12/31/201010.03911.0538

12/31/201111.05310.40532

12/31/201210.40511.48431

12/31/201311.48414.66350

12/31/201414.66316.10595

12/31/201516.10516.62893

1.80%

12/31/2008N/A7.728313

12/31/20097.72810.006610

12/31/201010.00611.011579

12/31/201111.01110.361544

12/31/201210.36111.429534

12/31/201311.42914.586446

12/31/201414.58616.013423

12/31/201516.01316.524405

1.95%

12/31/2007N/A13.10339

12/31/200813.1037.64571

12/31/20097.6459.884596

12/31/20109.88410.860775

12/31/201110.86010.204833

12/31/201210.20411.239870

12/31/201311.23914.322785

12/31/201414.32215.699722

12/31/201515.69916.176554

2.05%

12/31/2008N/A7.59165

12/31/20097.5919.804155

12/31/20109.80410.762190

12/31/201110.76210.101217

12/31/201210.10111.114198

12/31/201311.11414.149165

12/31/201414.14915.494142

12/31/201515.49415.949207

2.10%

12/31/2007N/A12.9820

12/31/200812.9827.563340

12/31/20097.5639.763557

12/31/20109.76310.712570

12/31/201110.71210.050514

12/31/201210.05011.052520

12/31/201311.05214.063466

12/31/201414.06315.392430

12/31/201515.39215.836493

2.15%

12/31/2008N/A7.5367

12/31/20097.5369.72413

12/31/20109.72410.66415

12/31/201110.6649.99915

12/31/20129.99910.99114

12/31/201310.99113.9789

12/31/201413.97815.2928

12/31/201515.29215.7257

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.20%

12/31/2007N/A12.9020

12/31/200812.9027.509481

12/31/20097.5099.684691

12/31/20109.68410.614701

12/31/201110.6149.948678

12/31/20129.94810.929668

12/31/201310.92913.893585

12/31/201413.89315.191597

12/31/201515.19115.613763

2.25%

12/31/2007N/A12.8630

12/31/200812.8637.482164

12/31/20097.4829.644474

12/31/20109.64410.566503

12/31/201110.5669.898490

12/31/20129.89810.868495

12/31/201310.86813.809393

12/31/201413.80915.091375

12/31/201515.09115.503520

2.30%

12/31/2009N/A9.60510

12/31/20109.60510.5179

12/31/201110.5179.8479

12/31/20129.84710.8085

12/31/201310.80813.7253

12/31/201413.72514.9927

12/31/201514.99215.3933

2.35%

12/31/2007N/A12.7840

12/31/200812.7847.429650

12/31/20097.4299.5661020

12/31/20109.56610.4691046

12/31/201110.4699.797934

12/31/20129.79710.748868

12/31/201310.74813.642767

12/31/201413.64214.894786

12/31/201514.89415.2841117

2.40%

12/31/2007N/A12.7440

12/31/200812.7447.402189

12/31/20097.4029.527296

12/31/20109.52710.421312

12/31/201110.4219.748301

12/31/20129.74810.688328

12/31/201310.68813.559283

12/31/201413.55914.796294

12/31/201514.79615.177440

2.45%

12/31/2007N/A12.7050

12/31/200812.7057.376264

12/31/20097.3769.488322

12/31/20109.48810.374314

12/31/201110.3749.698283

12/31/20129.69810.628250

12/31/201310.62813.477208

12/31/201413.47714.699225

12/31/201514.69915.069265

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

60

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.50%

12/31/2007N/A12.6660

12/31/200812.6667.349371

12/31/20097.3499.450652

12/31/20109.45010.326637

12/31/201110.3269.649626

12/31/20129.64910.569577

12/31/201310.56913.395541

12/31/201413.39514.602581

12/31/201514.60214.963827

2.55%

12/31/2007N/A12.6270

12/31/200812.6277.323101

12/31/20097.3239.411368

12/31/20109.41110.279316

12/31/201110.2799.600316

12/31/20129.60010.510299

12/31/201310.51013.314283

12/31/201413.31414.506262

12/31/201514.50614.857260

2.60%

12/31/2007N/A12.5880

12/31/200812.5887.297234

12/31/20097.2979.373335

12/31/20109.37310.232307

12/31/201110.2329.552283

12/31/20129.55210.452270

12/31/201310.45213.233233

12/31/201413.23314.411298

12/31/201514.41114.752596

2.65%

12/31/2007N/A12.5490

12/31/200812.5497.271220

12/31/20097.2719.334362

12/31/20109.33410.185345

12/31/201110.1859.503328

12/31/20129.50310.394315

12/31/201310.39413.152301

12/31/201413.15214.316347

12/31/201514.31614.648507

2.70%

12/31/2007N/A12.5110

12/31/200812.5117.24522

12/31/20097.2459.29652

12/31/20109.29610.13980

12/31/201110.1399.45570

12/31/20129.45510.33657

12/31/201310.33613.07360

12/31/201413.07314.22361

12/31/201514.22314.54594

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.75%

12/31/2007N/A12.4720

12/31/200812.4727.21966

12/31/20097.2199.259132

12/31/20109.25910.092107

12/31/201110.0929.40786

12/31/20129.40710.27873

12/31/201310.27812.993115

12/31/201412.99314.129158

12/31/201514.12914.442280

2.80%

12/31/2007N/A12.4340

12/31/200812.4347.19377

12/31/20097.1939.221125

12/31/20109.22110.046130

12/31/201110.0469.359126

12/31/20129.35910.221109

12/31/201310.22112.915107

12/31/201412.91514.036141

12/31/201514.03614.340243

2.85%

12/31/2007N/A12.3950

12/31/200812.3957.16722

12/31/20097.1679.18340

12/31/20109.18310.00042

12/31/201110.0009.31229

12/31/20129.31210.16425

12/31/201310.16412.83625

12/31/201412.83613.94434

12/31/201513.94414.23942

2.90%

12/31/2007N/A12.3570

12/31/200812.3577.14268

12/31/20097.1429.146101

12/31/20109.1469.95493

12/31/20119.9549.26594

12/31/20129.26510.10793

12/31/201310.10712.75874

12/31/201412.75813.85388

12/31/201513.85314.138298

2.95%

12/31/2007N/A12.3190

12/31/200812.3197.11629

12/31/20097.1169.10849

12/31/20109.1089.90940

12/31/20119.9099.21838

12/31/20129.21810.05126

12/31/201310.05112.68130

12/31/201412.68113.76232

12/31/201513.76214.03942

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

61

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.00%

12/31/2008N/A7.0910

12/31/20097.0919.0723

12/31/20109.0729.8640

12/31/20119.8649.1720

12/31/20129.1729.9960

12/31/20139.99612.6059

12/31/201412.60513.67321

12/31/201513.67313.94124

3.05%

12/31/2009N/A9.0351

12/31/20109.0359.8190

12/31/20119.8199.1250

12/31/20129.1259.9400

12/31/20139.94012.52819

12/31/201412.52813.58261

12/31/201513.58213.841139

3.10%

12/31/2009N/A8.9983

12/31/20108.9989.7740

12/31/20119.7749.0780

12/31/20129.0789.8840

12/31/20139.88412.4520

12/31/201412.45213.4933

12/31/201513.49313.7444

3.15%

12/31/2009N/A8.9612

12/31/20108.9619.7290

12/31/20119.7299.0320

12/31/20129.0329.8290

12/31/20139.82912.3767

12/31/201412.37613.40420

12/31/201513.40413.64777

3.20%

12/31/2013N/A13.4311

12/31/201413.43114.5406

12/31/201514.54014.79539

3.25%

12/31/2013N/A13.3490

12/31/201413.34914.4440

12/31/201514.44414.6900

3.30%

12/31/2013N/A12.1531

12/31/201412.15313.1438

12/31/201513.14313.3619

3.35%

12/31/2013N/A13.1880

12/31/201413.18814.2550

12/31/201514.25514.4832

3.40%

12/31/2013N/A13.1080

12/31/201413.10814.1610

12/31/201514.16114.3810

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

BlackRock Global Allocation V.I. Fund

1.65%

12/31/2008N/A7.906123

12/31/20097.9069.4031740

12/31/20109.40310.15212264

12/31/201110.1529.62324279

12/31/20129.62310.40826127

12/31/201310.40811.71424262

12/31/201411.71411.74521710

12/31/201511.74511.43717965

1.70%

12/31/2008N/A7.903337

12/31/20097.9039.3961656

12/31/20109.39610.13910583

12/31/201110.1399.60518302

12/31/20129.60510.38419622

12/31/201310.38411.68018535

12/31/201411.68011.70516738

12/31/201511.70511.39315307

1.75%

12/31/2009N/A9.38864

12/31/20109.38810.125811

12/31/201110.1259.5882830

12/31/20129.58810.3602440

12/31/201310.36011.6471968

12/31/201411.64711.6661895

12/31/201511.66611.3491467

1.80%

12/31/2008N/A7.898681

12/31/20097.8989.3802077

12/31/20109.38010.1122389

12/31/201110.1129.5702320

12/31/20129.57010.3352270

12/31/201310.33511.6141912

12/31/201411.61411.6281695

12/31/201511.62811.3061332

1.95%

12/31/2008N/A7.89034

12/31/20097.8909.3561818

12/31/20109.35610.0714912

12/31/201110.0719.5187554

12/31/20129.51810.2637942

12/31/201310.26311.5167484

12/31/201411.51611.5126371

12/31/201511.51211.1765322

2.05%

12/31/2008N/A7.885920

12/31/20097.8859.3411768

12/31/20109.34110.0441908

12/31/201110.0449.4831797

12/31/20129.48310.2151779

12/31/201310.21511.4511294

12/31/201411.45111.4351091

12/31/201511.43511.091867

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

62

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.10%

12/31/2008N/A7.882800

12/31/20097.8829.3331699

12/31/20109.33310.0312090

12/31/201110.0319.4652327

12/31/20129.46510.1912499

12/31/201310.19111.4182305

12/31/201411.41811.3972040

12/31/201511.39711.0481201

2.15%

12/31/2008N/A7.88053

12/31/20097.8809.32568

12/31/20109.32510.01874

12/31/201110.0189.44858

12/31/20129.44810.16860

12/31/201310.16811.38653

12/31/201411.38611.35952

12/31/201511.35911.00645

2.20%

12/31/2008N/A7.8771133

12/31/20097.8779.3172993

12/31/20109.31710.0043212

12/31/201110.0049.4313080

12/31/20129.43110.1443028

12/31/201310.14411.3542872

12/31/201411.35411.3212614

12/31/201511.32110.9642408

2.25%

12/31/2008N/A7.874411

12/31/20097.8749.3101347

12/31/20109.3109.9911425

12/31/20119.9919.4141681

12/31/20129.41410.1201677

12/31/201310.12011.3211465

12/31/201411.32111.2831281

12/31/201511.28310.9221310

2.30%

12/31/2009N/A9.30242

12/31/20109.3029.97848

12/31/20119.9789.39641

12/31/20129.39610.0978

12/31/201310.09711.2897

12/31/201411.28911.2466

12/31/201511.24610.8806

2.35%

12/31/2008N/A7.8691572

12/31/20097.8699.2947831

12/31/20109.2949.9648298

12/31/20119.9649.3798696

12/31/20129.37910.0738412

12/31/201310.07311.2577798

12/31/201411.25711.2086938

12/31/201511.20810.8386263

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.40%

12/31/2008N/A7.866234

12/31/20097.8669.286809

12/31/20109.2869.9511028

12/31/20119.9519.362766

12/31/20129.36210.049925

12/31/201310.04911.225738

12/31/201411.22511.171689

12/31/201511.17110.797600

2.45%

12/31/2008N/A7.864924

12/31/20097.8649.2781416

12/31/20109.2789.9381515

12/31/20119.9389.3451520

12/31/20129.34510.0261494

12/31/201310.02611.1941428

12/31/201411.19411.1341231

12/31/201511.13410.7561105

2.50%

12/31/2008N/A7.861779

12/31/20097.8619.2716283

12/31/20109.2719.9247202

12/31/20119.9249.3287321

12/31/20129.32810.0037083

12/31/201310.00311.1626585

12/31/201411.16211.0975635

12/31/201511.09710.7144969

2.55%

12/31/2008N/A7.858164

12/31/20097.8589.263514

12/31/20109.2639.911514

12/31/20119.9119.310617

12/31/20129.3109.979582

12/31/20139.97911.130549

12/31/201411.13011.060515

12/31/201511.06010.673466

2.60%

12/31/2008N/A7.856892

12/31/20097.8569.2554588

12/31/20109.2559.8984770

12/31/20119.8989.2934749

12/31/20129.2939.9564554

12/31/20139.95611.0994154

12/31/201411.09911.0234099

12/31/201511.02310.6333776

2.65%

12/31/2008N/A7.853488

12/31/20097.8539.2482606

12/31/20109.2489.8852959

12/31/20119.8859.2763022

12/31/20129.2769.9333120

12/31/20139.93311.0672846

12/31/201411.06710.9862483

12/31/201510.98610.5922169

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

63

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.70%

12/31/2008N/A7.851122

12/31/20097.8519.240233

12/31/20109.2409.871269

12/31/20119.8719.259318

12/31/20129.2599.910280

12/31/20139.91011.036283

12/31/201411.03610.950272

12/31/201510.95010.551243

2.75%

12/31/2008N/A7.848173

12/31/20097.8489.2322924

12/31/20109.2329.8583216

12/31/20119.8589.2422948

12/31/20129.2429.8862848

12/31/20139.88611.0052778

12/31/201411.00510.9132813

12/31/201510.91310.5112500

2.80%

12/31/2008N/A7.845169

12/31/20097.8459.2241646

12/31/20109.2249.8451798

12/31/20119.8459.2251833

12/31/20129.2259.8631840

12/31/20139.86310.9741706

12/31/201410.97410.8771510

12/31/201510.87710.4711345

2.85%

12/31/2008N/A7.84358

12/31/20097.8439.217213

12/31/20109.2179.832215

12/31/20119.8329.209196

12/31/20129.2099.840198

12/31/20139.84010.942215

12/31/201410.94210.840220

12/31/201510.84010.430198

2.90%

12/31/2008N/A7.84076

12/31/20097.8409.209909

12/31/20109.2099.8191127

12/31/20119.8199.1921095

12/31/20129.1929.8171133

12/31/20139.81710.9111297

12/31/201410.91110.8041200

12/31/201510.80410.3901031

2.95%

12/31/2008N/A7.83752

12/31/20097.8379.201459

12/31/20109.2019.806515

12/31/20119.8069.175475

12/31/20129.1759.794451

12/31/20139.79410.881388

12/31/201410.88110.768383

12/31/201510.76810.351375

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.00%

12/31/2008N/A7.83566

12/31/20097.8359.19443

12/31/20109.1949.79384

12/31/20119.7939.15866

12/31/20129.1589.77237

12/31/20139.77210.85041

12/31/201410.85010.732161

12/31/201510.73210.31198

3.05%

12/31/2009N/A9.186731

12/31/20109.1869.780802

12/31/20119.7809.141739

12/31/20129.1419.749735

12/31/20139.74910.819675

12/31/201410.81910.697683

12/31/201510.69710.272591

3.10%

12/31/2009N/A9.178115

12/31/20109.1789.767156

12/31/20119.7679.124129

12/31/20129.1249.726134

12/31/20139.72610.788138

12/31/201410.78810.661128

12/31/201510.66110.232125

3.15%

12/31/2009N/A9.17112

12/31/20109.1719.75318

12/31/20119.7539.10825

12/31/20129.1089.70318

12/31/20139.70310.75840

12/31/201410.75810.62676

12/31/201510.62610.193102

3.20%

12/31/2013N/A25.8350

12/31/201425.83525.5053

12/31/201525.50524.4545

3.25%

12/31/2013N/A25.5540

12/31/201425.55425.2150

12/31/201525.21524.1640

3.30%

12/31/2013N/A10.6670

12/31/201410.66710.52018

12/31/201510.52010.07627

3.35%

12/31/2013N/A25.0010

12/31/201425.00124.6456

12/31/201524.64523.5945

3.40%

12/31/2013N/A24.7290

12/31/201424.72924.3640

12/31/201524.36423.3140

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

64

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

Davis VA Financial Portfolio

1.65%

12/31/2007N/A15.5229

12/31/200815.5228.18918

12/31/20098.18911.37213

12/31/201011.37212.4273

12/31/201112.42711.2513

12/31/201211.25113.1502

12/31/201313.15016.9781

12/31/201416.97818.8460

12/31/201518.84618.9090

1.70%

12/31/2007N/A15.46048

12/31/200815.4608.15272

12/31/20098.15211.31531

12/31/201011.31512.35929

12/31/201112.35911.18525

12/31/201211.18513.06522

12/31/201313.06516.86018

12/31/201416.86018.70617

12/31/201518.70618.75917

1.75%

12/31/2009N/A11.2500

12/31/201011.25012.2820

12/31/201112.28211.1090

12/31/201211.10912.9710

12/31/201312.97116.7300

12/31/201416.73018.5520

12/31/201518.55218.5960

1.80%

12/31/2008N/A8.08053

12/31/20098.08011.204123

12/31/201011.20412.22589

12/31/201112.22511.05274

12/31/201211.05212.89762

12/31/201312.89716.62752

12/31/201416.62718.42931

12/31/201518.42918.46327

1.95%

12/31/2007N/A15.15722

12/31/200815.1577.97229

12/31/20097.97211.03869

12/31/201011.03812.02661

12/31/201112.02610.85654

12/31/201210.85612.65049

12/31/201312.65016.28338

12/31/201416.28318.02131

12/31/201518.02118.02720

2.05%

12/31/2008N/A7.90221

12/31/20097.90210.92928

12/31/201010.92911.89622

12/31/201111.89610.72717

12/31/201210.72712.48714

12/31/201312.48716.05811

12/31/201416.05817.7546

12/31/201517.75417.7426

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.10%

12/31/2007N/A14.9780

12/31/200814.9787.86692

12/31/20097.86610.875184

12/31/201010.87511.831188

12/31/201111.83110.664115

12/31/201210.66412.40799

12/31/201312.40715.94784

12/31/201415.94717.62259

12/31/201517.62217.60157

2.15%

12/31/2008N/A7.8310

12/31/20097.83110.82110

12/31/201010.82111.7671

12/31/201111.76710.6000

12/31/201210.60012.3270

12/31/201312.32715.8360

12/31/201415.83617.4900

12/31/201517.49017.4620

2.20%

12/31/2007N/A14.8600

12/31/200814.8607.797103

12/31/20097.79710.768189

12/31/201010.76811.702183

12/31/201111.70210.537172

12/31/201210.53712.247161

12/31/201312.24715.726139

12/31/201415.72617.360117

12/31/201517.36017.323105

2.25%

12/31/2007N/A14.8010

12/31/200814.8017.76235

12/31/20097.76210.71485

12/31/201010.71411.63981

12/31/201111.63910.47570

12/31/201210.47512.16863

12/31/201312.16815.61751

12/31/201415.61717.23141

12/31/201517.23117.18633

2.30%

12/31/2009N/A10.6611

12/31/201010.66111.5751

12/31/201111.57510.4120

12/31/201210.41212.0900

12/31/201312.09015.5090

12/31/201415.50917.1030

12/31/201517.10317.0490

2.35%

12/31/2007N/A14.6840

12/31/200814.6847.693143

12/31/20097.69310.608210

12/31/201010.60811.512209

12/31/201111.51210.351199

12/31/201210.35112.012185

12/31/201312.01215.401158

12/31/201415.40116.976129

12/31/201516.97616.914105

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

65

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.40%

12/31/2007N/A14.6260

12/31/200814.6267.65977

12/31/20097.65910.55694

12/31/201010.55611.44986

12/31/201111.44910.28982

12/31/201210.28911.93574

12/31/201311.93515.29466

12/31/201415.29416.85056

12/31/201516.85016.78052

2.45%

12/31/2007N/A14.5690

12/31/200814.5697.62433

12/31/20097.62410.50459

12/31/201010.50411.38772

12/31/201111.38710.22866

12/31/201210.22811.85855

12/31/201311.85815.18841

12/31/201415.18816.72433

12/31/201516.72416.64729

2.50%

12/31/2007N/A14.5110

12/31/200814.5117.59185

12/31/20097.59110.452118

12/31/201010.45211.325111

12/31/201111.32510.167112

12/31/201210.16711.781112

12/31/201311.78115.08397

12/31/201415.08316.60078

12/31/201516.60016.51570

2.55%

12/31/2007N/A14.4540

12/31/200814.4547.55751

12/31/20097.55710.40082

12/31/201010.40011.26379

12/31/201111.26310.10773

12/31/201210.10711.70668

12/31/201311.70614.97859

12/31/201414.97816.47740

12/31/201516.47716.38435

2.60%

12/31/2007N/A14.3960

12/31/200814.3967.52339

12/31/20097.52310.34951

12/31/201010.34911.20246

12/31/201111.20210.04737

12/31/201210.04711.63031

12/31/201311.63014.87429

12/31/201414.87416.35426

12/31/201516.35416.25420

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.65%

12/31/2007N/A14.3400

12/31/200814.3407.49063

12/31/20097.49010.29773

12/31/201010.29711.14198

12/31/201111.1419.98793

12/31/20129.98711.55586

12/31/201311.55514.77180

12/31/201414.77116.23369

12/31/201516.23316.12564

2.70%

12/31/2007N/A14.2830

12/31/200814.2837.45617

12/31/20097.45610.24623

12/31/201010.24611.08011

12/31/201111.0809.92813

12/31/20129.92811.48123

12/31/201311.48114.66827

12/31/201414.66816.11228

12/31/201516.11215.99718

2.75%

12/31/2007N/A14.2260

12/31/200814.2267.42316

12/31/20097.42310.19618

12/31/201010.19611.02014

12/31/201111.0209.8698

12/31/20129.86911.4076

12/31/201311.40714.5678

12/31/201414.56715.99213

12/31/201515.99215.87011

2.80%

12/31/2007N/A14.1700

12/31/200814.1707.39029

12/31/20097.39010.14521

12/31/201010.14510.96010

12/31/201110.9609.81010

12/31/20129.81011.33321

12/31/201311.33314.46536

12/31/201414.46515.87325

12/31/201515.87315.74412

2.85%

12/31/2007N/A14.1140

12/31/200814.1147.3574

12/31/20097.35710.09513

12/31/201010.09510.90015

12/31/201110.9009.75212

12/31/20129.75211.26012

12/31/201311.26014.36513

12/31/201414.36515.75517

12/31/201515.75515.61912

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

66

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.90%

12/31/2007N/A14.0580

12/31/200814.0587.32410

12/31/20097.32410.04517

12/31/201010.04510.84115

12/31/201110.8419.6946

12/31/20129.69411.1886

12/31/201311.18814.2657

12/31/201414.26515.63817

12/31/201515.63815.49519

2.95%

12/31/2007N/A14.0030

12/31/200814.0037.2922

12/31/20097.2929.9956

12/31/20109.99510.7824

12/31/201110.7829.6365

12/31/20129.63611.1168

12/31/201311.11614.16615

12/31/201414.16615.5229

12/31/201515.52215.37310

3.00%

12/31/2008N/A7.2590

12/31/20097.2599.9460

12/31/20109.94610.7230

12/31/201110.7239.5790

12/31/20129.57911.0440

12/31/201311.04414.0680

12/31/201414.06815.4060

12/31/201515.40615.2511

3.05%

12/31/2009N/A9.8966

12/31/20109.89610.6650

12/31/201110.6659.5220

12/31/20129.52210.9730

12/31/201310.97313.9706

12/31/201413.97015.29214

12/31/201515.29215.13014

3.10%

12/31/2009N/A9.8470

12/31/20109.84710.6070

12/31/201110.6079.4650

12/31/20129.46510.9020

12/31/201310.90213.8730

12/31/201413.87315.1780

12/31/201515.17815.0100

3.15%

12/31/2009N/A9.7990

12/31/20109.79910.5490

12/31/201110.5499.4090

12/31/20129.40910.8320

12/31/201310.83213.7772

12/31/201413.77715.0654

12/31/201515.06514.8914

3.20%

12/31/2013N/A13.0930

12/31/201413.09314.3101

12/31/201514.31014.1371

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.25%

12/31/2013N/A12.9981

12/31/201412.99814.1991

12/31/201514.19914.0201

3.30%

12/31/2013N/A10.7980

12/31/201410.79811.7900

12/31/201511.79011.6361

3.35%

12/31/2013N/A12.8110

12/31/201412.81113.9800

12/31/201513.98013.7910

3.40%

12/31/2013N/A12.7180

12/31/201412.71813.8720

12/31/201513.87213.6770

Fidelity VIP FundsManager 50% Portfolio

1.65%

12/31/2011N/A10.627142

12/31/201210.62711.510186

12/31/201311.51012.982184

12/31/201412.98213.401233

12/31/201513.40113.180208

1.70%

12/31/2011N/A10.596223

12/31/201210.59611.472269

12/31/201311.47212.932350

12/31/201412.93213.343350

12/31/201513.34313.116325

1.75%

12/31/2011N/A10.5660

12/31/201210.56611.4330

12/31/201311.43312.8821

12/31/201412.88213.2851

12/31/201513.28513.0522

1.80%

12/31/2011N/A10.5362

12/31/201210.53611.3952

12/31/201311.39512.8320

12/31/201412.83213.2272

12/31/201513.22712.9890

1.95%

12/31/2011N/A10.44641

12/31/201210.44611.28042

12/31/201311.28012.68446

12/31/201412.68413.05548

12/31/201513.05512.80143

2.05%

12/31/2011N/A10.3877

12/31/201210.38711.2058

12/31/201311.20512.5877

12/31/201412.58712.9427

12/31/201512.94212.6773

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

67

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.10%

12/31/2011N/A10.3570

12/31/201210.35711.1671

12/31/201311.16712.5382

12/31/201412.53812.8855

12/31/201512.88512.6154

2.15%

12/31/2011N/A10.3270

12/31/201210.32711.1300

12/31/201311.13012.4900

12/31/201412.49012.8290

12/31/201512.82912.5540

2.20%

12/31/2011N/A10.2980

12/31/201210.29811.0920

12/31/201311.09212.4427

12/31/201412.44212.77413

12/31/201512.77412.49319

2.25%

12/31/2011N/A10.2680

12/31/201210.26811.05516

12/31/201311.05512.39425

12/31/201412.39412.71818

12/31/201512.71812.43320

2.30%

12/31/2011N/A10.2391

12/31/201210.23911.0181

12/31/201311.01812.3460

12/31/201412.34612.6630

12/31/201512.66312.3720

2.35%

12/31/2011N/A10.21014

12/31/201210.21010.98130

12/31/201310.98112.29829

12/31/201412.29812.60729

12/31/201512.60712.31238

2.40%

12/31/2011N/A10.1810

12/31/201210.18110.9440

12/31/201310.94412.2510

12/31/201412.25112.5532

12/31/201512.55312.25312

2.45%

12/31/2011N/A10.1529

12/31/201210.15210.9079

12/31/201310.90712.2048

12/31/201412.20412.49813

12/31/201512.49812.19313

2.50%

12/31/2011N/A10.12346

12/31/201210.12310.87150

12/31/201310.87112.15729

12/31/201412.15712.44413

12/31/201512.44412.13419

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.55%

12/31/2011N/A10.0940

12/31/201210.09410.8344

12/31/201310.83412.1103

12/31/201412.11012.3893

12/31/201512.38912.0753

2.60%

12/31/2011N/A10.06511

12/31/201210.06510.7989

12/31/201310.79812.06327

12/31/201412.06312.33514

12/31/201512.33512.01711

2.65%

12/31/2011N/A10.0362

12/31/201210.03610.7626

12/31/201310.76212.0176

12/31/201412.01712.28214

12/31/201512.28211.95816

2.70%

12/31/2011N/A10.0080

12/31/201210.00810.7260

12/31/201310.72611.9703

12/31/201411.97012.2283

12/31/201512.22811.9003

2.75%

12/31/2011N/A9.9793

12/31/20129.97910.6908

12/31/201310.69011.9241

12/31/201411.92412.17512

12/31/201512.17511.84311

2.80%

12/31/2011N/A9.9500

12/31/20129.95010.6541

12/31/201310.65411.8781

12/31/201411.87812.1221

12/31/201512.12211.7851

2.85%

12/31/2011N/A9.9220

12/31/20129.92210.6180

12/31/201310.61811.8320

12/31/201411.83212.0690

12/31/201512.06911.7280

2.90%

12/31/2011N/A9.8940

12/31/20129.89410.5820

12/31/201310.58211.7873

12/31/201411.78712.0170

12/31/201512.01711.6710

2.95%

12/31/2011N/A9.8650

12/31/20129.86510.5470

12/31/201310.54711.7410

12/31/201411.74111.9640

12/31/201511.96411.6151

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

68

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.00%

12/31/2011N/A9.8370

12/31/20129.83710.5110

12/31/201310.51111.6960

12/31/201411.69611.9120

12/31/201511.91211.5580

3.05%

12/31/2011N/A9.8090

12/31/20129.80910.4762

12/31/201310.47611.6518

12/31/201411.65111.8617

12/31/201511.86111.50213

3.10%

12/31/2011N/A9.7810

12/31/20129.78110.4410

12/31/201310.44111.6060

12/31/201411.60611.8090

12/31/201511.80911.4460

3.15%

12/31/2011N/A9.7530

12/31/20129.75310.4060

12/31/201310.40611.5610

12/31/201411.56111.7580

12/31/201511.75811.3910

3.20%

12/31/2013N/A11.5110

12/31/201411.51111.7000

12/31/201511.70011.3300

3.25%

12/31/2013N/A11.4660

12/31/201411.46611.6490

12/31/201511.64911.2750

3.30%

12/31/2013N/A11.4280

12/31/201411.42811.6050

12/31/201511.60511.2260

3.35%

12/31/2013N/A11.3780

12/31/201411.37811.5480

12/31/201511.54811.1650

3.40%

12/31/2013N/A11.3340

12/31/201411.33411.4970

12/31/201511.49711.1110

Fidelity VIP FundsManager 60% Portfolio

1.65%

12/31/2011N/A9.586826

12/31/20129.58610.5091054

12/31/201310.50912.2381209

12/31/201412.23812.671995

12/31/201512.67112.497908

1.70%

12/31/2011N/A9.565660

12/31/20129.56510.481762

12/31/201310.48112.199934

12/31/201412.19912.624807

12/31/201512.62412.445726

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.75%

12/31/2011N/A9.54463

12/31/20129.54410.45323

12/31/201310.45312.16025

12/31/201412.16012.578194

12/31/201512.57812.393158

1.80%

12/31/2011N/A9.5230

12/31/20129.52310.4255

12/31/201310.42512.1226

12/31/201412.12212.5325

12/31/201512.53212.3412

1.95%

12/31/2011N/A9.461137

12/31/20129.46110.341161

12/31/201310.34112.007233

12/31/201412.00712.394186

12/31/201512.39412.188168

2.05%

12/31/2011N/A9.42024

12/31/20129.42010.28623

12/31/201310.28611.93038

12/31/201411.93012.30328

12/31/201512.30312.08614

2.10%

12/31/2011N/A9.3991

12/31/20129.39910.25817

12/31/201310.25811.8932

12/31/201411.89312.2581

12/31/201512.25812.03624

2.15%

12/31/2011N/A9.3790

12/31/20129.37910.2310

12/31/201310.23111.8550

12/31/201411.85512.2130

12/31/201512.21311.9850

2.20%

12/31/2011N/A9.3587

12/31/20129.35810.2037

12/31/201310.20311.81732

12/31/201411.81712.16826

12/31/201512.16811.93547

2.25%

12/31/2011N/A9.33841

12/31/20129.33810.1760

12/31/201310.17611.78052

12/31/201411.78012.12358

12/31/201512.12311.885108

2.30%

12/31/2011N/A9.3180

12/31/20129.31810.1490

12/31/201310.14911.7420

12/31/201411.74212.0790

12/31/201512.07911.8360

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

69

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.35%

12/31/2011N/A9.29759

12/31/20129.29710.122130

12/31/201310.12211.705221

12/31/201411.70512.034215

12/31/201512.03411.786283

2.40%

12/31/2011N/A9.2776

12/31/20129.27710.0946

12/31/201310.09411.66810

12/31/201411.66811.99010

12/31/201511.99011.73721

2.45%

12/31/2011N/A9.2575

12/31/20129.25710.06715

12/31/201310.06711.63117

12/31/201411.63111.94611

12/31/201511.94611.68813

2.50%

12/31/2011N/A9.23718

12/31/20129.23710.04077

12/31/201310.04011.594116

12/31/201411.59411.902138

12/31/201511.90211.639208

2.55%

12/31/2011N/A9.2170

12/31/20129.21710.0140

12/31/201310.01411.5572

12/31/201411.55711.8582

12/31/201511.85811.5914

2.60%

12/31/2011N/A9.19710

12/31/20129.1979.9874

12/31/20139.98711.52015

12/31/201411.52011.81531

12/31/201511.81511.54335

2.65%

12/31/2011N/A9.17716

12/31/20129.1779.96022

12/31/20139.96011.48351

12/31/201411.48311.77163

12/31/201511.77111.49490

2.70%

12/31/2011N/A9.1570

12/31/20129.1579.9336

12/31/20139.93311.4472

12/31/201411.44711.7282

12/31/201511.72811.4463

2.75%

12/31/2011N/A9.13726

12/31/20129.1379.90712

12/31/20139.90711.41156

12/31/201411.41111.68560

12/31/201511.68511.39939

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.80%

12/31/2011N/A9.11711

12/31/20129.1179.88014

12/31/20139.88011.37440

12/31/201411.37411.64260

12/31/201511.64211.35166

2.85%

12/31/2011N/A9.09714

12/31/20129.0979.85414

12/31/20139.85411.33813

12/31/201411.33811.59915

12/31/201511.59911.30414

2.90%

12/31/2011N/A9.0770

12/31/20129.0779.8270

12/31/20139.82711.30210

12/31/201411.30211.5575

12/31/201511.55711.2565

2.95%

12/31/2011N/A9.0579

12/31/20129.0579.8014

12/31/20139.80111.2667

12/31/201411.26611.5146

12/31/201511.51411.2094

3.00%

12/31/2011N/A9.0380

12/31/20129.0389.7750

12/31/20139.77511.2300

12/31/201411.23011.47212

12/31/201511.47211.16312

3.05%

12/31/2011N/A9.0187

12/31/20129.0189.7488

12/31/20139.74811.19515

12/31/201411.19511.4304

12/31/201511.43011.11612

3.10%

12/31/2011N/A8.9984

12/31/20128.9989.7222

12/31/20139.72211.1592

12/31/201411.15911.3881

12/31/201511.38811.0700

3.15%

12/31/2011N/A8.9790

12/31/20128.9799.6960

12/31/20139.69611.1240

12/31/201411.12411.3460

12/31/201511.34611.0231

3.20%

12/31/2013N/A11.0830

12/31/201411.08311.2980

12/31/201511.29810.9720

3.25%

12/31/2013N/A11.0470

12/31/201411.04711.2560

12/31/201511.25610.9260

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

70

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.30%

12/31/2013N/A11.0180

12/31/201411.01811.2211

12/31/201511.22110.8860

3.35%

12/31/2013N/A10.9770

12/31/201410.97711.1740

12/31/201511.17410.8350

3.40%

12/31/2013N/A10.9420

12/31/201410.94211.1320

12/31/201511.13210.7890

Franklin Founding Funds Allocation VIP Fund

1.65%

12/31/2007N/A9.235326

12/31/20089.2355.825641

12/31/20095.8257.463237

12/31/20107.4638.093115

12/31/20118.0937.839230

12/31/20127.8398.892228

12/31/20138.89210.825158

12/31/201410.82510.951124

12/31/201510.95110.103118

1.70%

12/31/2007N/A9.232353

12/31/20089.2325.821576

12/31/20095.8217.454294

12/31/20107.4548.079344

12/31/20118.0797.821372

12/31/20127.8218.867341

12/31/20138.86710.790251

12/31/201410.79010.910199

12/31/201510.91010.060191

1.75%

12/31/2009N/A7.4440

12/31/20107.4448.0655

12/31/20118.0657.8043

12/31/20127.8048.8432

12/31/20138.84310.7551

12/31/201410.75510.8701

12/31/201510.87010.0171

1.80%

12/31/2008N/A5.812415

12/31/20095.8127.435682

12/31/20107.4358.051660

12/31/20118.0517.786624

12/31/20127.7868.819569

12/31/20138.81910.720426

12/31/201410.72010.829382

12/31/201510.8299.975299

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.95%

12/31/2007N/A9.22158

12/31/20089.2215.79993

12/31/20095.7997.407178

12/31/20107.4078.009224

12/31/20118.0097.733214

12/31/20127.7338.746204

12/31/20138.74610.616167

12/31/201410.61610.707133

12/31/201510.7079.84887

2.05%

12/31/2008N/A5.790172

12/31/20095.7907.389446

12/31/20107.3897.981249

12/31/20117.9817.699224

12/31/20127.6998.698209

12/31/20138.69810.547135

12/31/201410.54710.627110

12/31/201510.6279.76585

2.10%

12/31/2007N/A9.2140

12/31/20089.2145.7861049

12/31/20095.7867.3801312

12/31/20107.3807.9671298

12/31/20117.9677.6821211

12/31/20127.6828.6741178

12/31/20138.67410.513947

12/31/201410.51310.588836

12/31/201510.5889.724683

2.15%

12/31/2008N/A5.78124

12/31/20095.7817.37048

12/31/20107.3707.95326

12/31/20117.9537.66417

12/31/20127.6648.65016

12/31/20138.65010.47910

12/31/201410.47910.5489

12/31/201510.5489.6828

2.20%

12/31/2007N/A9.2090

12/31/20089.2095.7771583

12/31/20095.7777.3612179

12/31/20107.3617.9392142

12/31/20117.9397.6472159

12/31/20127.6478.6261878

12/31/20138.62610.4451713

12/31/201410.44510.5081424

12/31/201510.5089.6411300

2.25%

12/31/2007N/A9.2070

12/31/20089.2075.773809

12/31/20095.7737.352979

12/31/20107.3527.9251036

12/31/20117.9257.6301025

12/31/20127.6308.603961

12/31/20138.60310.411758

12/31/201410.41110.470660

12/31/201510.4709.601615

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

71

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.30%

12/31/2009N/A7.3423

12/31/20107.3427.9110

12/31/20117.9117.6130

12/31/20127.6138.5790

12/31/20138.57910.3770

12/31/201410.37710.4300

12/31/201510.4309.5590

2.35%

12/31/2007N/A9.2020

12/31/20089.2025.7642248

12/31/20095.7647.3333057

12/31/20107.3337.8972869

12/31/20117.8977.5962707

12/31/20127.5968.5562535

12/31/20138.55610.3432120

12/31/201410.34310.3911851

12/31/201510.3919.5191700

2.40%

12/31/2007N/A9.2000

12/31/20089.2005.760853

12/31/20095.7607.3251339

12/31/20107.3257.8841015

12/31/20117.8847.579967

12/31/20127.5798.533942

12/31/20138.53310.310792

12/31/201410.31010.352654

12/31/201510.3529.479560

2.45%

12/31/2007N/A9.1980

12/31/20089.1985.7551287

12/31/20095.7557.3151301

12/31/20107.3157.8701188

12/31/20117.8707.5611087

12/31/20127.5618.509986

12/31/20138.50910.276865

12/31/201410.27610.313810

12/31/201510.3139.438656

2.50%

12/31/2007N/A9.1950

12/31/20089.1955.7511436

12/31/20095.7517.3061944

12/31/20107.3067.8561770

12/31/20117.8567.5441636

12/31/20127.5448.4851470

12/31/20138.48510.2431277

12/31/201410.24310.2741138

12/31/201510.2749.3981025

2.55%

12/31/2007N/A9.1940

12/31/20089.1945.747432

12/31/20095.7477.297600

12/31/20107.2977.843641

12/31/20117.8437.528609

12/31/20127.5288.462566

12/31/20138.46210.210487

12/31/201410.21010.237429

12/31/201510.2379.359368

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A9.1910

12/31/20089.1915.742750

12/31/20095.7427.288855

12/31/20107.2887.829833

12/31/20117.8297.511678

12/31/20127.5118.439628

12/31/20138.43910.176666

12/31/201410.17610.198833

12/31/201510.1989.319806

2.65%

12/31/2007N/A9.1880

12/31/20089.1885.738847

12/31/20095.7387.2781105

12/31/20107.2787.815942

12/31/20117.8157.494771

12/31/20127.4948.415742

12/31/20138.41510.143624

12/31/201410.14310.159486

12/31/201510.1599.279396

2.70%

12/31/2007N/A9.1870

12/31/20089.1875.734152

12/31/20095.7347.270171

12/31/20107.2707.802141

12/31/20117.8027.477131

12/31/20127.4778.393124

12/31/20138.39310.111136

12/31/201410.11110.12299

12/31/201510.1229.24083

2.75%

12/31/2007N/A9.1840

12/31/20089.1845.729198

12/31/20095.7297.260195

12/31/20107.2607.788195

12/31/20117.7887.460187

12/31/20127.4608.369160

12/31/20138.36910.078215

12/31/201410.07810.083363

12/31/201510.0839.200295

2.80%

12/31/2007N/A9.1820

12/31/20089.1825.725145

12/31/20095.7257.251206

12/31/20107.2517.774204

12/31/20117.7747.443191

12/31/20127.4438.346189

12/31/20138.34610.045116

12/31/201410.04510.04689

12/31/201510.0469.16165

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

72

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A9.1800

12/31/20089.1805.72194

12/31/20095.7217.243170

12/31/20107.2437.761142

12/31/20117.7617.427132

12/31/20127.4278.324102

12/31/20138.32410.01385

12/31/201410.01310.00994

12/31/201510.0099.12392

2.90%

12/31/2007N/A9.1770

12/31/20089.1775.717131

12/31/20095.7177.233172

12/31/20107.2337.747191

12/31/20117.7477.410185

12/31/20127.4108.300169

12/31/20138.3009.980229

12/31/20149.9809.971338

12/31/20159.9719.084307

2.95%

12/31/2007N/A9.1750

12/31/20089.1755.71286

12/31/20095.7127.224163

12/31/20107.2247.733168

12/31/20117.7337.393174

12/31/20127.3938.278173

12/31/20138.2789.947168

12/31/20149.9479.933111

12/31/20159.9339.04589

3.00%

12/31/2008N/A5.70810

12/31/20095.7087.2155

12/31/20107.2157.72018

12/31/20117.7207.37722

12/31/20127.3778.2551

12/31/20138.2559.91521

12/31/20149.9159.89618

12/31/20159.8969.00728

3.05%

12/31/2009N/A7.20630

12/31/20107.2067.7060

12/31/20117.7067.3600

12/31/20127.3608.2320

12/31/20138.2329.88348

12/31/20149.8839.85968

12/31/20159.8598.96992

3.10%

12/31/2009N/A7.1970

12/31/20107.1977.6930

12/31/20117.6937.3430

12/31/20127.3438.2100

12/31/20138.2109.8510

12/31/20149.8519.8220

12/31/20159.8228.9310

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.15%

12/31/2009N/A7.1880

12/31/20107.1887.6790

12/31/20117.6797.3270

12/31/20127.3278.1870

12/31/20138.1879.819168

12/31/20149.8199.785190

12/31/20159.7858.893178

3.20%

12/31/2013N/A10.0855

12/31/201410.08510.0468

12/31/201510.0469.1258

3.25%

12/31/2013N/A10.0530

12/31/201410.05310.0080

12/31/201510.0089.0860

3.30%

12/31/2013N/A9.72311

12/31/20149.7239.67610

12/31/20159.6768.78010

3.35%

12/31/2013N/A9.98714

12/31/20149.9879.93350

12/31/20159.9339.00949

3.40%

12/31/2013N/A9.9550

12/31/20149.9559.8961

12/31/20159.8968.9711

Franklin Income VIP Fund

1.65%

12/31/2007N/A46.247257

12/31/200846.24731.998283

12/31/200931.99842.67731

12/31/201042.67747.29960

12/31/201147.29947.636297

12/31/201247.63652.780757

12/31/201352.78059.154806

12/31/201459.15460.872822

12/31/201560.87255.652718

1.70%

12/31/2007N/A45.811342

12/31/200845.81131.680349

12/31/200931.68042.23394

12/31/201042.23346.782111

12/31/201146.78247.092317

12/31/201247.09252.152868

12/31/201352.15258.4201047

12/31/201458.42060.0871103

12/31/201560.08754.907968

1.75%

12/31/2009N/A41.7840

12/31/201041.78446.2622

12/31/201146.26246.54616

12/31/201246.54651.52035

12/31/201351.52057.68438

12/31/201457.68459.30029

12/31/201559.30054.16119

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

73

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.80%

12/31/2008N/A31.055343

12/31/200931.05541.357571

12/31/201041.35745.767613

12/31/201145.76746.024664

12/31/201246.02450.917713

12/31/201350.91756.980737

12/31/201456.98058.547778

12/31/201558.54753.447784

1.95%

12/31/2007N/A43.69185

12/31/200843.69130.13971

12/31/200930.13940.07772

12/31/201040.07744.284100

12/31/201144.28444.467156

12/31/201244.46749.120288

12/31/201349.12054.887307

12/31/201454.88756.312336

12/31/201556.31251.329275

2.05%

12/31/2008N/A29.544140

12/31/200929.54439.246283

12/31/201039.24643.323286

12/31/201143.32343.458329

12/31/201243.45847.957359

12/31/201347.95753.534369

12/31/201453.53454.869371

12/31/201554.86949.963355

2.10%

12/31/2007N/A42.4670

12/31/200842.46729.250296

12/31/200929.25038.837636

12/31/201038.83742.850668

12/31/201142.85042.962654

12/31/201242.96247.386644

12/31/201347.38652.870697

12/31/201452.87054.161697

12/31/201554.16149.295606

2.15%

12/31/2008N/A28.96015

12/31/200928.96038.43314

12/31/201038.43342.38215

12/31/201142.38242.4725

12/31/201242.47246.8225

12/31/201346.82252.2156

12/31/201452.21553.4639

12/31/201553.46348.6359

2.20%

12/31/2007N/A41.6690

12/31/200841.66928.672231

12/31/200928.67238.032361

12/31/201038.03241.919354

12/31/201141.91941.987327

12/31/201241.98746.265331

12/31/201346.26551.567347

12/31/201451.56752.774323

12/31/201552.77447.984290

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.25%

12/31/2007N/A41.2760

12/31/200841.27628.388143

12/31/200928.38837.636334

12/31/201037.63641.462326

12/31/201141.46241.508326

12/31/201241.50845.714323

12/31/201345.71450.928313

12/31/201450.92852.093300

12/31/201552.09347.341258

2.30%

12/31/2009N/A37.2442

12/31/201037.24441.0090

12/31/201141.00941.0342

12/31/201241.03445.1708

12/31/201345.17050.2967

12/31/201450.29651.4210

12/31/201551.42146.7070

2.35%

12/31/2007N/A40.5020

12/31/200840.50227.827343

12/31/200927.82736.855544

12/31/201036.85540.561517

12/31/201140.56140.566492

12/31/201240.56644.632512

12/31/201344.63249.673543

12/31/201449.67350.758542

12/31/201550.75846.082486

2.40%

12/31/2007N/A40.1200

12/31/200840.12027.551128

12/31/200927.55136.471312

12/31/201036.47140.119284

12/31/201140.11940.103270

12/31/201240.10344.100256

12/31/201344.10049.057257

12/31/201449.05750.104254

12/31/201550.10445.465233

2.45%

12/31/2007N/A39.7410

12/31/200839.74127.277128

12/31/200927.27736.091144

12/31/201036.09139.681150

12/31/201139.68139.646136

12/31/201239.64643.575122

12/31/201343.57548.448123

12/31/201448.44849.458100

12/31/201549.45844.85693

2.50%

12/31/2007N/A39.3670

12/31/200839.36727.007239

12/31/200927.00735.715380

12/31/201035.71539.247355

12/31/201139.24739.194363

12/31/201239.19443.056365

12/31/201343.05647.847425

12/31/201447.84748.820432

12/31/201548.82044.256386

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

74

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.55%

12/31/2007N/A38.9950

12/31/200838.99526.73856

12/31/200926.73835.343150

12/31/201035.34338.819151

12/31/201138.81938.746143

12/31/201238.74642.544139

12/31/201342.54447.254126

12/31/201447.25448.191111

12/31/201548.19143.663102

2.60%

12/31/2007N/A38.6280

12/31/200838.62826.473160

12/31/200926.47334.975179

12/31/201034.97538.395149

12/31/201138.39538.304173

12/31/201238.30442.037176

12/31/201342.03746.668204

12/31/201446.66847.569235

12/31/201547.56943.079207

2.65%

12/31/2007N/A38.2630

12/31/200838.26326.210109

12/31/200926.21034.610208

12/31/201034.61037.976193

12/31/201137.97637.867208

12/31/201237.86741.537204

12/31/201341.53746.089203

12/31/201446.08946.956201

12/31/201546.95642.502180

2.70%

12/31/2007N/A37.9030

12/31/200837.90325.95011

12/31/200925.95034.24941

12/31/201034.24937.56240

12/31/201137.56237.43534

12/31/201237.43541.04233

12/31/201341.04245.51833

12/31/201445.51846.35032

12/31/201546.35041.93322

2.75%

12/31/2007N/A37.5450

12/31/200837.54525.69230

12/31/200925.69233.89263

12/31/201033.89237.15152

12/31/201137.15137.00854

12/31/201237.00840.55369

12/31/201340.55344.95399

12/31/201444.95345.753150

12/31/201545.75341.372147

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.80%

12/31/2007N/A37.1910

12/31/200837.19125.43743

12/31/200925.43733.53990

12/31/201033.53936.74659

12/31/201136.74636.58645

12/31/201236.58640.07152

12/31/201340.07144.39669

12/31/201444.39645.163102

12/31/201545.16340.81879

2.85%

12/31/2007N/A36.8400

12/31/200836.84025.1855

12/31/200925.18533.19028

12/31/201033.19036.34524

12/31/201136.34536.16828

12/31/201236.16839.59331

12/31/201339.59343.84534

12/31/201443.84544.58036

12/31/201544.58040.27138

2.90%

12/31/2007N/A36.4930

12/31/200836.49324.93533

12/31/200924.93532.84461

12/31/201032.84435.94851

12/31/201135.94835.75667

12/31/201235.75639.12250

12/31/201339.12243.30249

12/31/201443.30244.00692

12/31/201544.00639.73274

2.95%

12/31/2007N/A36.1490

12/31/200836.14924.68716

12/31/200924.68732.50112

12/31/201032.50135.55618

12/31/201135.55635.34815

12/31/201235.34838.65616

12/31/201338.65642.76520

12/31/201442.76543.43831

12/31/201543.43839.20027

3.00%

12/31/2008N/A24.4421

12/31/200924.44232.1633

12/31/201032.16335.1671

12/31/201135.16734.9441

12/31/201234.94438.1961

12/31/201338.19642.2349

12/31/201442.23442.87813

12/31/201542.87838.67615

3.05%

12/31/2009N/A31.8282

12/31/201031.82834.7830

12/31/201134.78334.54619

12/31/201234.54637.7411

12/31/201337.74141.71110

12/31/201441.71142.32543

12/31/201542.32538.15837

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

75

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2009N/A31.4962

12/31/201031.49634.4040

12/31/201134.40434.1520

12/31/201234.15237.2920

12/31/201337.29241.1931

12/31/201441.19341.7791

12/31/201541.77937.6472

3.15%

12/31/2009N/A31.1680

12/31/201031.16834.0280

12/31/201134.02833.7620

12/31/201233.76236.8480

12/31/201336.84840.68310

12/31/201440.68341.24122

12/31/201541.24137.14319

3.20%

12/31/2013N/A39.6522

12/31/201439.65240.1754

12/31/201540.17536.1654

3.25%

12/31/2013N/A39.1602

12/31/201439.16039.6572

12/31/201539.65735.6812

3.30%

12/31/2013N/A39.1880

12/31/201439.18839.6666

12/31/201539.66635.6719

3.35%

12/31/2013N/A38.1940

12/31/201438.19438.6402

12/31/201538.64034.7312

3.40%

12/31/2013N/A37.7200

12/31/201437.72038.1420

12/31/201538.14234.2660

Franklin Mutual Shares VIP Fund

1.65%

12/31/2007N/A23.484373

12/31/200823.48414.527413

12/31/200914.52718.01179

12/31/201018.01119.700139

12/31/201119.70019.176313

12/31/201219.17621.547400

12/31/201321.54727.184346

12/31/201427.18428.644271

12/31/201528.64426.784192

1.70%

12/31/2007N/A23.353620

12/31/200823.35314.439687

12/31/200914.43917.893184

12/31/201017.89319.561206

12/31/201119.56119.032272

12/31/201219.03221.374379

12/31/201321.37426.952465

12/31/201426.95228.385400

12/31/201528.38526.529349

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.75%

12/31/2009N/A17.7781

12/31/201017.77819.42510

12/31/201119.42518.89020

12/31/201218.89021.20417

12/31/201321.20426.72441

12/31/201426.72428.13124

12/31/201528.13126.27916

1.80%

12/31/2008N/A14.265202

12/31/200914.26517.659400

12/31/201017.65919.286380

12/31/201119.28618.745382

12/31/201218.74521.031343

12/31/201321.03126.494272

12/31/201426.49427.874239

12/31/201527.87426.026182

1.95%

12/31/2007N/A22.71177

12/31/200822.71114.00779

12/31/200914.00717.314167

12/31/201017.31418.881208

12/31/201118.88118.324235

12/31/201218.32420.528247

12/31/201320.52825.820220

12/31/201425.82027.125201

12/31/201527.12525.288168

2.05%

12/31/2008N/A13.83767

12/31/200913.83717.088169

12/31/201017.08818.615255

12/31/201118.61518.048249

12/31/201218.04820.199222

12/31/201320.19925.381160

12/31/201425.38126.637125

12/31/201526.63724.80887

2.10%

12/31/2007N/A22.3340

12/31/200822.33413.754334

12/31/200913.75416.976836

12/31/201016.97618.484893

12/31/201118.48417.912861

12/31/201217.91220.036868

12/31/201320.03625.164721

12/31/201425.16426.396649

12/31/201526.39624.572450

2.15%

12/31/2008N/A13.6706

12/31/200913.67016.86522

12/31/201016.86518.35419

12/31/201118.35417.77717

12/31/201217.77719.87515

12/31/201319.87524.94912

12/31/201424.94926.15811

12/31/201526.15824.33711

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

76

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.20%

12/31/2007N/A22.0860

12/31/200822.08613.587388

12/31/200913.58716.754650

12/31/201016.75418.224654

12/31/201118.22417.643643

12/31/201217.64319.715579

12/31/201319.71524.736532

12/31/201424.73625.921473

12/31/201525.92124.105425

2.25%

12/31/2007N/A21.9630

12/31/200821.96313.505214

12/31/200913.50516.644573

12/31/201016.64418.096544

12/31/201118.09617.510532

12/31/201217.51019.556504

12/31/201319.55624.525445

12/31/201424.52525.687377

12/31/201525.68723.876328

2.30%

12/31/2009N/A16.5352

12/31/201016.53517.9686

12/31/201117.96817.3777

12/31/201217.37719.3998

12/31/201319.39924.31510

12/31/201424.31525.4559

12/31/201525.45523.64811

2.35%

12/31/2007N/A21.7200

12/31/200821.72013.342523

12/31/200913.34216.427887

12/31/201016.42717.841913

12/31/201117.84117.246882

12/31/201217.24619.243814

12/31/201319.24324.107674

12/31/201424.10725.225625

12/31/201525.22523.422531

2.40%

12/31/2007N/A21.5990

12/31/200821.59913.261193

12/31/200913.26116.319550

12/31/201016.31917.715538

12/31/201117.71517.116482

12/31/201217.11619.088438

12/31/201319.08823.901394

12/31/201423.90124.997339

12/31/201524.99723.199262

2.45%

12/31/2007N/A21.4790

12/31/200821.47913.181201

12/31/200913.18116.212255

12/31/201016.21217.590268

12/31/201117.59016.987246

12/31/201216.98718.934196

12/31/201318.93423.697162

12/31/201423.69724.771107

12/31/201524.77122.978101

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.50%

12/31/2007N/A21.3590

12/31/200821.35913.101385

12/31/200913.10116.106620

12/31/201016.10617.466608

12/31/201117.46616.859596

12/31/201216.85918.782541

12/31/201318.78223.495507

12/31/201423.49524.547412

12/31/201524.54722.759368

2.55%

12/31/2007N/A21.2410

12/31/200821.24113.02199

12/31/200913.02116.000361

12/31/201016.00017.343390

12/31/201117.34316.731337

12/31/201216.73118.631305

12/31/201318.63123.294288

12/31/201423.29424.325227

12/31/201524.32522.542193

2.60%

12/31/2007N/A21.1220

12/31/200821.12212.942179

12/31/200912.94215.895250

12/31/201015.89517.221240

12/31/201117.22116.605219

12/31/201216.60518.481192

12/31/201318.48123.095207

12/31/201423.09524.105210

12/31/201524.10522.327204

2.65%

12/31/2007N/A21.0050

12/31/200821.00512.864222

12/31/200912.86415.791369

12/31/201015.79117.099367

12/31/201117.09916.480360

12/31/201216.48018.332334

12/31/201318.33222.898313

12/31/201422.89823.887268

12/31/201523.88722.114230

2.70%

12/31/2007N/A20.8880

12/31/200820.88812.78623

12/31/200912.78615.68781

12/31/201015.68716.97985

12/31/201116.97916.35566

12/31/201216.35518.18455

12/31/201318.18422.70246

12/31/201422.70223.67137

12/31/201523.67121.90327

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

77

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.75%

12/31/2007N/A20.7720

12/31/200820.77212.70927

12/31/200912.70915.58454

12/31/201015.58416.85951

12/31/201116.85916.23249

12/31/201216.23218.03841

12/31/201318.03822.50896

12/31/201422.50823.457127

12/31/201523.45721.694146

2.80%

12/31/2007N/A20.6560

12/31/200820.65612.63248

12/31/200912.63215.482123

12/31/201015.48216.740108

12/31/201116.74016.10993

12/31/201216.10917.89376

12/31/201317.89322.31662

12/31/201422.31623.24555

12/31/201523.24521.48747

2.85%

12/31/2007N/A20.5410

12/31/200820.54112.55511

12/31/200912.55515.38168

12/31/201015.38116.62272

12/31/201116.62215.98863

12/31/201215.98817.74958

12/31/201317.74922.12556

12/31/201422.12523.03552

12/31/201523.03521.28349

2.90%

12/31/2007N/A20.4270

12/31/200820.42712.47919

12/31/200912.47915.28026

12/31/201015.28016.50525

12/31/201116.50515.86725

12/31/201215.86717.60621

12/31/201317.60621.93648

12/31/201421.93622.82778

12/31/201522.82721.08084

2.95%

12/31/2007N/A20.3140

12/31/200820.31412.40325

12/31/200912.40315.18040

12/31/201015.18016.38842

12/31/201116.38815.74738

12/31/201215.74717.46436

12/31/201317.46421.74930

12/31/201421.74922.62028

12/31/201522.62020.87924

3.00%

12/31/2008N/A12.3280

12/31/200912.32815.0800

12/31/201015.08016.2732

12/31/201116.27315.6280

12/31/201215.62817.3240

12/31/201317.32421.56312

12/31/201421.56322.41616

12/31/201522.41620.68014

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.05%

12/31/2009N/A14.9813

12/31/201014.98116.1580

12/31/201116.15815.5100

12/31/201215.51017.1840

12/31/201317.18421.3797

12/31/201421.37922.21359

12/31/201522.21320.48279

3.10%

12/31/2009N/A14.8830

12/31/201014.88316.0440

12/31/201116.04415.3930

12/31/201215.39317.0460

12/31/201317.04621.1961

12/31/201421.19622.0121

12/31/201522.01220.2872

3.15%

12/31/2009N/A14.7850

12/31/201014.78515.9310

12/31/201115.93115.2770

12/31/201215.27716.9090

12/31/201316.90921.01511

12/31/201421.01521.81317

12/31/201521.81320.09420

3.20%

12/31/2013N/A21.5431

12/31/201421.54322.3506

12/31/201522.35020.5785

3.25%

12/31/2013N/A21.3590

12/31/201421.35922.1480

12/31/201522.14820.3820

3.30%

12/31/2013N/A20.4810

12/31/201420.48121.2279

12/31/201521.22719.52414

3.35%

12/31/2013N/A20.9950

12/31/201420.99521.7494

12/31/201521.74919.9947

3.40%

12/31/2013N/A20.8150

12/31/201420.81521.5530

12/31/201521.55319.8040

Franklin U.S. Government Securities VIP Fund

1.65%

12/31/2007N/A25.0019

12/31/200825.00126.45713

12/31/200926.45726.82925

12/31/201026.82927.784268

12/31/201127.78428.883601

12/31/201228.88328.944869

12/31/201328.94427.833591

12/31/201427.83328.304597

12/31/201528.30427.973556

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

78

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2007N/A24.76738

12/31/200824.76726.19686

12/31/200926.19626.551144

12/31/201026.55127.483371

12/31/201127.48328.555586

12/31/201228.55528.601788

12/31/201328.60127.490713

12/31/201427.49027.941696

12/31/201527.94127.600668

1.75%

12/31/2009N/A26.19314

12/31/201026.19327.09841

12/31/201127.09828.14265

12/31/201228.14228.173101

12/31/201328.17327.06447

12/31/201427.06427.49543

12/31/201527.49527.14634

1.80%

12/31/2008N/A25.68278

12/31/200925.68226.004202

12/31/201026.00426.890249

12/31/201126.89027.911226

12/31/201227.91127.928245

12/31/201327.92826.816226

12/31/201426.81627.229240

12/31/201527.22926.870122

1.95%

12/31/2007N/A23.6290

12/31/200823.62924.93013

12/31/200924.93025.205101

12/31/201025.20526.024245

12/31/201126.02426.972352

12/31/201226.97226.948342

12/31/201326.94825.836337

12/31/201425.83626.194326

12/31/201526.19425.810302

2.05%

12/31/2008N/A24.44040

12/31/200924.44024.68558

12/31/201024.68525.46253

12/31/201125.46226.36458

12/31/201226.36426.31358

12/31/201326.31325.20246

12/31/201425.20225.52640

12/31/201525.52625.12740

2.10%

12/31/2007N/A22.9710

12/31/200822.97124.199108

12/31/200924.19924.430226

12/31/201024.43025.186262

12/31/201125.18626.065194

12/31/201226.06526.002195

12/31/201326.00224.891181

12/31/201424.89125.199157

12/31/201525.19924.792151

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.15%

12/31/2008N/A23.9617

12/31/200923.96124.17718

12/31/201024.17724.91316

12/31/201124.91325.76915

12/31/201225.76925.69430

12/31/201325.69424.58423

12/31/201424.58424.87616

12/31/201524.87624.4624

2.20%

12/31/2007N/A22.5430

12/31/200822.54323.725137

12/31/200923.72523.926193

12/31/201023.92624.642177

12/31/201124.64225.477181

12/31/201225.47725.390243

12/31/201325.39024.281200

12/31/201424.28124.557201

12/31/201524.55724.136167

2.25%

12/31/2007N/A22.3320

12/31/200822.33223.49140

12/31/200923.49123.679186

12/31/201023.67924.375198

12/31/201124.37525.188176

12/31/201225.18825.089174

12/31/201325.08923.982125

12/31/201423.98224.242116

12/31/201524.24223.815135

2.30%

12/31/2009N/A23.4345

12/31/201023.43424.1114

12/31/201124.11124.9023

12/31/201224.90224.7924

12/31/201324.79223.6863

12/31/201423.68623.9313

12/31/201523.93123.4973

2.35%

12/31/2007N/A21.9160

12/31/200821.91623.030148

12/31/200923.03023.191494

12/31/201023.19123.849468

12/31/201123.84924.620567

12/31/201224.62024.498458

12/31/201324.49823.394311

12/31/201423.39423.624295

12/31/201523.62423.184298

2.40%

12/31/2007N/A21.7110

12/31/200821.71122.80385

12/31/200922.80322.951215

12/31/201022.95123.590133

12/31/201123.59024.340104

12/31/201224.34024.20893

12/31/201324.20823.10582

12/31/201423.10523.32169

12/31/201523.32122.87667

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

79

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.45%

12/31/2007N/A21.5070

12/31/200821.50722.57850

12/31/200922.57822.71398

12/31/201022.71323.33495

12/31/201123.33424.064120

12/31/201224.06423.922123

12/31/201323.92222.82069

12/31/201422.82023.02161

12/31/201523.02122.57165

2.50%

12/31/2007N/A21.3060

12/31/200821.30622.355118

12/31/200922.35522.478439

12/31/201022.47823.081485

12/31/201123.08123.791414

12/31/201223.79123.639326

12/31/201323.63922.539267

12/31/201422.53922.726245

12/31/201522.72622.270247

2.55%

12/31/2007N/A21.1060

12/31/200821.10622.13525

12/31/200922.13522.24553

12/31/201022.24522.83167

12/31/201122.83123.52263

12/31/201223.52223.35950

12/31/201323.35922.26147

12/31/201422.26122.43547

12/31/201522.43521.97381

2.60%

12/31/2007N/A20.9090

12/31/200820.90921.91687

12/31/200921.91622.015243

12/31/201022.01522.583255

12/31/201122.58323.255235

12/31/201223.25523.082227

12/31/201323.08221.986150

12/31/201421.98622.147148

12/31/201522.14721.681217

2.65%

12/31/2007N/A20.7130

12/31/200820.71321.70086

12/31/200921.70021.787371

12/31/201021.78722.338310

12/31/201122.33822.991302

12/31/201222.99122.809284

12/31/201322.80921.715227

12/31/201421.71521.863221

12/31/201521.86321.392206

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.70%

12/31/2007N/A20.5190

12/31/200820.51921.48618

12/31/200921.48621.56124

12/31/201021.56122.09636

12/31/201122.09622.73026

12/31/201222.73022.53920

12/31/201322.53921.44717

12/31/201421.44721.58219

12/31/201521.58221.10716

2.75%

12/31/2007N/A20.3270

12/31/200820.32721.27413

12/31/200921.27421.33881

12/31/201021.33821.85696

12/31/201121.85622.47288

12/31/201222.47222.27291

12/31/201322.27221.18354

12/31/201421.18321.30561

12/31/201521.30520.82676

2.80%

12/31/2007N/A20.1370

12/31/200820.13721.06530

12/31/200921.06521.117194

12/31/201021.11721.619146

12/31/201121.61922.217138

12/31/201222.21722.008138

12/31/201322.00820.921100

12/31/201420.92121.03298

12/31/201521.03220.54889

2.85%

12/31/2007N/A19.9480

12/31/200819.94820.85710

12/31/200920.85720.89816

12/31/201020.89821.38414

12/31/201121.38421.96514

12/31/201221.96521.74828

12/31/201321.74820.66316

12/31/201420.66320.76217

12/31/201520.76220.27538

2.90%

12/31/2007N/A19.7610

12/31/200819.76120.6517

12/31/200920.65120.68283

12/31/201020.68221.15271

12/31/201121.15221.716115

12/31/201221.71621.49058

12/31/201321.49020.40823

12/31/201420.40820.49618

12/31/201520.49620.00419

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

80

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.95%

12/31/2007N/A19.5760

12/31/200819.57620.44814

12/31/200920.44820.46897

12/31/201020.46820.92365

12/31/201120.92321.47072

12/31/201221.47021.23640

12/31/201321.23620.15732

12/31/201420.15720.23342

12/31/201520.23319.73836

3.00%

12/31/2008N/A20.2460

12/31/200920.24620.2561

12/31/201020.25620.6960

12/31/201120.69621.2268

12/31/201221.22620.9848

12/31/201320.98419.9088

12/31/201419.90819.9737

12/31/201519.97319.47516

3.05%

12/31/2009N/A20.04627

12/31/201020.04620.47123

12/31/201120.47120.98695

12/31/201220.98620.73623

12/31/201320.73619.6639

12/31/201419.66319.71710

12/31/201519.71719.21613

3.10%

12/31/2009N/A19.83876

12/31/201019.83820.24954

12/31/201120.24920.74734

12/31/201220.74720.49022

12/31/201320.49019.42019

12/31/201419.42019.46419

12/31/201519.46418.96015

3.15%

12/31/2009N/A19.6331

12/31/201019.63320.0291

12/31/201120.02920.5120

12/31/201220.51220.2480

12/31/201320.24819.1800

12/31/201419.18019.2151

12/31/201519.21518.7075

3.20%

12/31/2013N/A18.4410

12/31/201418.44118.4650

12/31/201518.46517.9680

3.25%

12/31/2013N/A18.2140

12/31/201418.21418.2280

12/31/201518.22817.7290

3.30%

12/31/2013N/A18.4790

12/31/201418.47918.4850

12/31/201518.48517.9690

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.35%

12/31/2013N/A17.7670

12/31/201417.76717.7630

12/31/201517.76317.2590

3.40%

12/31/2013N/A17.5480

12/31/201417.54817.5350

12/31/201517.53517.0290

JPMorgan Insurance Trust Core Bond Portfolio

1.65%

12/31/2014N/A13.2217

12/31/201513.22113.117101

1.70%

12/31/2014N/A13.16638

12/31/201513.16613.056124

1.75%

12/31/2014N/A13.1110

12/31/201513.11112.9955

1.95%

12/31/2014N/A12.8935

12/31/201512.89312.7538

2.05%

12/31/2014N/A12.7860

12/31/201512.78612.6340

MFS VIT Total Return Bond Portfolio

1.65%

12/31/2014N/A17.11294

12/31/201517.11216.734199

1.70%

12/31/2014N/A16.987139

12/31/201516.98716.603132

1.75%

12/31/2014N/A16.86263

12/31/201516.86216.47465

1.95%

12/31/2014N/A16.37467

12/31/201516.37415.96544

2.05%

12/31/2014N/A16.1350

12/31/201516.13515.7160

PIMCO VIT All Asset Portfolio

1.65%

12/31/2007N/A12.83453

12/31/200812.83410.62497

12/31/200910.62412.704201

12/31/201012.70414.1321459

12/31/201114.13214.1733008

12/31/201214.17316.0244199

12/31/201316.02415.8053561

12/31/201415.80515.6202873

12/31/201515.62013.9832155

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

81

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2007N/A12.81142

12/31/200812.81110.59977

12/31/200910.59912.668164

12/31/201012.66814.0851261

12/31/201114.08514.1192220

12/31/201214.11915.9543214

12/31/201315.95415.7283123

12/31/201415.72815.5362769

12/31/201515.53613.9022559

1.75%

12/31/2009N/A13.3674

12/31/201013.36714.855200

12/31/201114.85514.883445

12/31/201214.88316.809584

12/31/201316.80916.563456

12/31/201416.56316.352229

12/31/201516.35214.625119

1.80%

12/31/2008N/A10.550128

12/31/200910.55012.597378

12/31/201012.59713.992509

12/31/201113.99214.011644

12/31/201214.01115.816875

12/31/201315.81615.577871

12/31/201415.57715.371844

12/31/201515.37113.740794

1.95%

12/31/2007N/A12.6943

12/31/200812.69410.4769

12/31/200910.47612.490214

12/31/201012.49013.852689

12/31/201113.85213.8511116

12/31/201213.85115.6121361

12/31/201315.61215.3521161

12/31/201415.35215.127918

12/31/201515.12713.502798

2.05%

12/31/2008N/A10.427262

12/31/200910.42712.419243

12/31/201012.41913.760308

12/31/201113.76013.745342

12/31/201213.74515.477380

12/31/201315.47715.204324

12/31/201415.20414.966275

12/31/201514.96613.345177

2.10%

12/31/2007N/A12.6240

12/31/200812.62410.403175

12/31/200910.40312.384340

12/31/201012.38413.714380

12/31/201113.71413.692420

12/31/201213.69215.410457

12/31/201315.41015.131458

12/31/201415.13114.887407

12/31/201514.88713.267360

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.15%

12/31/2008N/A10.3788

12/31/200910.37812.3496

12/31/201012.34913.66911

12/31/201113.66913.6409

12/31/201213.64015.34311

12/31/201315.34315.05810

12/31/201415.05814.80710

12/31/201514.80713.1907

2.20%

12/31/2007N/A12.5780

12/31/200812.57810.354122

12/31/200910.35412.314316

12/31/201012.31413.623395

12/31/201113.62313.588406

12/31/201213.58815.277456

12/31/201315.27714.985359

12/31/201414.98514.729312

12/31/201514.72913.113242

2.25%

12/31/2007N/A12.5550

12/31/200812.55510.33042

12/31/200910.33012.279161

12/31/201012.27913.578218

12/31/201113.57813.536272

12/31/201213.53615.211313

12/31/201315.21114.913268

12/31/201414.91314.650252

12/31/201514.65013.037195

2.30%

12/31/2009N/A12.2440

12/31/201012.24413.5320

12/31/201113.53213.4840

12/31/201213.48415.1456

12/31/201315.14514.8418

12/31/201414.84114.57214

12/31/201514.57212.96118

2.35%

12/31/2007N/A12.5090

12/31/200812.50910.282233

12/31/200910.28212.210973

12/31/201012.21013.4871180

12/31/201113.48713.4321271

12/31/201213.43215.0791360

12/31/201315.07914.7691278

12/31/201414.76914.4951070

12/31/201514.49512.886888

2.40%

12/31/2007N/A12.4860

12/31/200812.48610.25843

12/31/200910.25812.17597

12/31/201012.17513.442135

12/31/201113.44213.381162

12/31/201213.38115.014185

12/31/201315.01414.698193

12/31/201414.69814.417159

12/31/201514.41712.811163

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

82

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.45%

12/31/2007N/A12.4630

12/31/200812.46310.234131

12/31/200910.23412.141209

12/31/201012.14113.398223

12/31/201113.39813.330260

12/31/201213.33014.949283

12/31/201314.94914.627271

12/31/201414.62714.341230

12/31/201514.34112.736207

2.50%

12/31/2007N/A12.4400

12/31/200812.44010.210103

12/31/200910.21012.106811

12/31/201012.10613.3531108

12/31/201113.35313.2791068

12/31/201213.27914.8841090

12/31/201314.88414.5561032

12/31/201414.55614.264890

12/31/201514.26412.662768

2.55%

12/31/2007N/A12.4170

12/31/200812.41710.18619

12/31/200910.18612.07264

12/31/201012.07213.30873

12/31/201113.30813.22882

12/31/201213.22814.82083

12/31/201314.82014.48669

12/31/201414.48614.18849

12/31/201514.18812.58843

2.60%

12/31/2007N/A12.3940

12/31/200812.39410.162170

12/31/200910.16212.038476

12/31/201012.03813.264515

12/31/201113.26413.177566

12/31/201213.17714.756565

12/31/201314.75614.416530

12/31/201414.41614.113495

12/31/201514.11312.515471

2.65%

12/31/2007N/A12.3720

12/31/200812.37210.13955

12/31/200910.13912.004400

12/31/201012.00413.220472

12/31/201113.22013.127525

12/31/201213.12714.692565

12/31/201314.69214.347509

12/31/201414.34714.038460

12/31/201514.03812.442378

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.70%

12/31/2007N/A12.3490

12/31/200812.34910.1159

12/31/200910.11511.97058

12/31/201011.97013.17685

12/31/201113.17613.07685

12/31/201213.07614.62887

12/31/201314.62814.27790

12/31/201414.27713.96360

12/31/201513.96312.37055

2.75%

12/31/2007N/A12.3260

12/31/200812.32610.09116

12/31/200910.09111.936320

12/31/201011.93613.132325

12/31/201113.13213.026384

12/31/201213.02614.565405

12/31/201314.56514.208329

12/31/201414.20813.889278

12/31/201513.88912.298225

2.80%

12/31/2007N/A12.3040

12/31/200812.30410.06812

12/31/200910.06811.902173

12/31/201011.90213.088242

12/31/201113.08812.977225

12/31/201212.97714.502237

12/31/201314.50214.140225

12/31/201414.14013.815205

12/31/201513.81512.226194

2.85%

12/31/2007N/A12.2810

12/31/200812.28110.0443

12/31/200910.04411.86856

12/31/201011.86813.04557

12/31/201113.04512.92762

12/31/201212.92714.43968

12/31/201314.43914.07261

12/31/201414.07213.74160

12/31/201513.74112.15543

2.90%

12/31/2007N/A12.2590

12/31/200812.25910.0219

12/31/200910.02111.834126

12/31/201011.83413.001150

12/31/201113.00112.877155

12/31/201212.87714.377167

12/31/201314.37714.004135

12/31/201414.00413.668128

12/31/201513.66812.084112

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

83

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.95%

12/31/2007N/A12.2360

12/31/200812.2369.9977

12/31/20099.99711.80155

12/31/201011.80112.95884

12/31/201112.95812.82870

12/31/201212.82814.31487

12/31/201314.31413.93669

12/31/201413.93613.59567

12/31/201513.59512.01462

3.00%

12/31/2008N/A9.9740

12/31/20099.97411.76713

12/31/201011.76712.91515

12/31/201112.91512.77912

12/31/201212.77914.25224

12/31/201314.25213.86912

12/31/201413.86913.52321

12/31/201513.52311.9449

3.05%

12/31/2009N/A11.73479

12/31/201011.73412.87269

12/31/201112.87212.73060

12/31/201212.73014.19169

12/31/201314.19113.80235

12/31/201413.80213.45140

12/31/201513.45111.87434

3.10%

12/31/2009N/A11.70129

12/31/201011.70112.82935

12/31/201112.82912.68131

12/31/201212.68114.12934

12/31/201314.12913.73534

12/31/201413.73513.37929

12/31/201513.37911.80530

3.15%

12/31/2009N/A11.6686

12/31/201011.66812.7866

12/31/201112.78612.6336

12/31/201212.63314.0684

12/31/201314.06813.6693

12/31/201413.66913.3088

12/31/201513.30811.7368

3.20%

12/31/2013N/A14.3431

12/31/201414.34313.9572

12/31/201513.95712.3021

3.25%

12/31/2013N/A14.2660

12/31/201414.26613.8750

12/31/201513.87512.2250

3.30%

12/31/2013N/A13.4720

12/31/201413.47213.0965

12/31/201513.09611.5325

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.35%

12/31/2013N/A14.1140

12/31/201414.11413.7142

12/31/201513.71412.0704

3.40%

12/31/2013N/A14.0390

12/31/201414.03913.6340

12/31/201513.63411.9940

PIMCO VIT CommodityRealReturn Strategy Portfolio

1.65%

12/31/2007N/A12.73054

12/31/200812.7307.038105

12/31/20097.0389.79855

12/31/20109.79812.001198

12/31/201112.00110.913349

12/31/201210.91311.312352

12/31/201311.3129.491285

12/31/20149.4917.616210

12/31/20157.6165.566179

1.70%

12/31/2007N/A12.713113

12/31/200812.7137.025247

12/31/20097.0259.775134

12/31/20109.77511.967267

12/31/201111.96710.877453

12/31/201210.87711.269441

12/31/201311.2699.450424

12/31/20149.4507.579323

12/31/20157.5795.536320

1.75%

12/31/2009N/A9.7524

12/31/20109.75211.93316

12/31/201111.93310.84125

12/31/201210.84111.22624

12/31/201311.2269.40920

12/31/20149.4097.54213

12/31/20157.5425.50612

1.80%

12/31/2008N/A7.000241

12/31/20097.0009.730445

12/31/20109.73011.900381

12/31/201111.90010.804356

12/31/201210.80411.183327

12/31/201311.1839.369326

12/31/20149.3697.506220

12/31/20157.5065.477244

1.95%

12/31/2007N/A12.62913

12/31/200812.6296.96134

12/31/20096.9619.662218

12/31/20109.66211.799262

12/31/201111.79910.697315

12/31/201210.69711.054299

12/31/201311.0549.247300

12/31/20149.2477.398269

12/31/20157.3985.390262

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

84

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2008N/A6.935101

12/31/20096.9359.617144

12/31/20109.61711.732108

12/31/201111.73210.626151

12/31/201210.62610.970115

12/31/201310.9709.16776

12/31/20149.1677.32741

12/31/20157.3275.33344

2.10%

12/31/2007N/A12.5780

12/31/200812.5786.923288

12/31/20096.9239.594507

12/31/20109.59411.699470

12/31/201111.69910.590415

12/31/201210.59010.928406

12/31/201310.9289.128431

12/31/20149.1287.291388

12/31/20157.2915.304463

2.15%

12/31/2008N/A6.91015

12/31/20096.9109.57217

12/31/20109.57211.66518

12/31/201111.66510.55511

12/31/201210.55510.8867

12/31/201310.8869.0888

12/31/20149.0887.2568

12/31/20157.2565.27610

2.20%

12/31/2007N/A12.5440

12/31/200812.5446.897414

12/31/20096.8979.549694

12/31/20109.54911.632630

12/31/201111.63210.520642

12/31/201210.52010.844592

12/31/201310.8449.049640

12/31/20149.0497.221627

12/31/20157.2215.248695

2.25%

12/31/2007N/A12.5280

12/31/200812.5286.885159

12/31/20096.8859.527387

12/31/20109.52711.599446

12/31/201111.59910.485417

12/31/201210.48510.803404

12/31/201310.8039.010395

12/31/20149.0107.186408

12/31/20157.1865.220445

2.30%

12/31/2009N/A9.5057

12/31/20109.50511.5663

12/31/201111.56610.4501

12/31/201210.45010.7610

12/31/201310.7618.9710

12/31/20148.9717.1510

12/31/20157.1515.1921

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.35%

12/31/2007N/A12.4940

12/31/200812.4946.859513

12/31/20096.8599.483852

12/31/20109.48311.534783

12/31/201111.53410.415748

12/31/201210.41510.720685

12/31/201310.7208.932693

12/31/20148.9327.117681

12/31/20157.1175.165835

2.40%

12/31/2007N/A12.4780

12/31/200812.4786.847187

12/31/20096.8479.460275

12/31/20109.46011.501307

12/31/201111.50110.380301

12/31/201210.38010.679296

12/31/201310.6798.893282

12/31/20148.8937.083249

12/31/20157.0835.137292

2.45%

12/31/2007N/A12.4610

12/31/200812.4616.834182

12/31/20096.8349.438252

12/31/20109.43811.468241

12/31/201111.46810.346204

12/31/201210.34610.638193

12/31/201310.6388.855194

12/31/20148.8557.048170

12/31/20157.0485.110195

2.50%

12/31/2007N/A12.4440

12/31/200812.4446.822360

12/31/20096.8229.416569

12/31/20109.41611.436514

12/31/201111.43610.311530

12/31/201210.31110.597484

12/31/201310.5978.816467

12/31/20148.8167.014480

12/31/20157.0145.083551

2.55%

12/31/2007N/A12.4280

12/31/200812.4286.80988

12/31/20096.8099.394253

12/31/20109.39411.403234

12/31/201111.40310.277255

12/31/201210.27710.557218

12/31/201310.5578.778223

12/31/20148.7786.980195

12/31/20156.9805.056255

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

85

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A12.4110

12/31/200812.4116.797120

12/31/20096.7979.372180

12/31/20109.37211.371148

12/31/201111.37110.243158

12/31/201210.24310.516137

12/31/201310.5168.740181

12/31/20148.7406.947214

12/31/20156.9475.029279

2.65%

12/31/2007N/A12.3940

12/31/200812.3946.784218

12/31/20096.7849.350341

12/31/20109.35011.339442

12/31/201111.33910.208396

12/31/201210.20810.476398

12/31/201310.4768.702322

12/31/20148.7026.913310

12/31/20156.9135.002344

2.70%

12/31/2007N/A12.3780

12/31/200812.3786.77248

12/31/20096.7729.329107

12/31/20109.32911.307107

12/31/201111.30710.174105

12/31/201210.17410.43675

12/31/201310.4368.66476

12/31/20148.6646.88088

12/31/20156.8804.97585

2.75%

12/31/2007N/A12.3610

12/31/200812.3616.75936

12/31/20096.7599.30775

12/31/20109.30711.275101

12/31/201111.27510.14198

12/31/201210.14110.39698

12/31/201310.3968.62779

12/31/20148.6276.84782

12/31/20156.8474.949113

2.80%

12/31/2007N/A12.3450

12/31/200812.3456.74780

12/31/20096.7479.285160

12/31/20109.28511.243100

12/31/201111.24310.107101

12/31/201210.10710.35684

12/31/201310.3568.59084

12/31/20148.5906.81374

12/31/20156.8134.92294

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A12.3280

12/31/200812.3286.73422

12/31/20096.7349.26354

12/31/20109.26311.21156

12/31/201111.21110.07351

12/31/201210.07310.31647

12/31/201310.3168.55255

12/31/20148.5526.78139

12/31/20156.7814.89650

2.90%

12/31/2007N/A12.3120

12/31/200812.3126.72243

12/31/20096.7229.24263

12/31/20109.24211.17951

12/31/201111.17910.04048

12/31/201210.04010.27745

12/31/201310.2778.51561

12/31/20148.5156.74883

12/31/20156.7484.870110

2.95%

12/31/2007N/A12.2950

12/31/200812.2956.71046

12/31/20096.7109.22065

12/31/20109.22011.14746

12/31/201111.14710.00653

12/31/201210.00610.23743

12/31/201310.2378.47849

12/31/20148.4786.71550

12/31/20156.7154.84460

3.00%

12/31/2008N/A6.6973

12/31/20096.6979.1997

12/31/20109.19911.1169

12/31/201111.1169.9736

12/31/20129.97310.1985

12/31/201310.1988.4425

12/31/20148.4426.6839

12/31/20156.6834.81815

3.05%

12/31/2009N/A9.1779

12/31/20109.17711.0840

12/31/201111.0849.9400

12/31/20129.94010.1590

12/31/201310.1598.4052

12/31/20148.4056.65143

12/31/20156.6514.79369

3.10%

12/31/2009N/A9.15621

12/31/20109.15611.0533

12/31/201111.0539.9060

12/31/20129.90610.1200

12/31/201310.1208.3690

12/31/20148.3696.6180

12/31/20156.6184.7670

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

86

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.15%

12/31/2009N/A9.1342

12/31/20109.13411.0220

12/31/201111.0229.8730

12/31/20129.87310.0810

12/31/201310.0818.33310

12/31/20148.3336.58620

12/31/20156.5864.74232

3.20%

12/31/2013N/A9.2200

12/31/20149.2207.2850

12/31/20157.2855.2422

3.25%

12/31/2013N/A9.1770

12/31/20149.1777.2460

12/31/20157.2465.2120

3.30%

12/31/2013N/A8.2250

12/31/20148.2256.4927

12/31/20156.4924.66611

3.35%

12/31/2013N/A9.0900

12/31/20149.0907.17119

12/31/20157.1715.15223

3.40%

12/31/2013N/A9.0460

12/31/20149.0467.1330

12/31/20157.1335.1220

PIMCO VIT Emerging Markets Bond Portfolio

1.65%

12/31/2007N/A12.20523

12/31/200812.20510.25329

12/31/200910.25313.170133

12/31/201013.17014.530999

12/31/201114.53015.1981423

12/31/201215.19817.6241339

12/31/201317.62416.1281325

12/31/201416.12816.1061208

12/31/201516.10615.4861047

1.70%

12/31/2007N/A12.189127

12/31/200812.18910.234134

12/31/200910.23413.139207

12/31/201013.13914.4891138

12/31/201114.48915.1481556

12/31/201215.14817.5571435

12/31/201317.55716.0581421

12/31/201416.05816.0281313

12/31/201516.02815.4041175

1.75%

12/31/2009N/A13.10810

12/31/201013.10814.44880

12/31/201114.44815.097272

12/31/201215.09717.490241

12/31/201317.49015.989211

12/31/201415.98915.951128

12/31/201515.95115.322125

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.80%

12/31/2008N/A10.19647

12/31/200910.19613.077134

12/31/201013.07714.407203

12/31/201114.40715.047190

12/31/201215.04717.423173

12/31/201317.42315.919190

12/31/201415.91915.874195

12/31/201515.87415.240187

1.95%

12/31/2007N/A12.10815

12/31/200812.10810.14013

12/31/200910.14012.98693

12/31/201012.98614.285377

12/31/201114.28514.897474

12/31/201214.89717.223453

12/31/201317.22315.713414

12/31/201415.71315.645332

12/31/201515.64514.998568

2.05%

12/31/2008N/A10.10316

12/31/200910.10312.92561

12/31/201012.92514.204139

12/31/201114.20414.798149

12/31/201214.79817.091120

12/31/201317.09115.578101

12/31/201415.57815.49477

12/31/201515.49414.83964

2.10%

12/31/2007N/A12.0590

12/31/200812.05910.08471

12/31/200910.08412.895143

12/31/201012.89514.164169

12/31/201114.16414.748147

12/31/201214.74817.026152

12/31/201317.02615.510151

12/31/201415.51015.419130

12/31/201515.41914.760117

2.15%

12/31/2008N/A10.0661

12/31/200910.06612.8655

12/31/201012.86514.12410

12/31/201114.12414.6991

12/31/201214.69916.9602

12/31/201316.96015.4432

12/31/201415.44315.3452

12/31/201515.34514.6813

2.20%

12/31/2007N/A12.0270

12/31/200812.02710.047126

12/31/200910.04712.835219

12/31/201012.83514.084296

12/31/201114.08414.650241

12/31/201214.65016.895226

12/31/201316.89515.376233

12/31/201415.37615.271183

12/31/201515.27114.603136

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

87

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.25%

12/31/2007N/A12.0110

12/31/200812.01110.02922

12/31/200910.02912.80588

12/31/201012.80514.044133

12/31/201114.04414.602156

12/31/201214.60216.831155

12/31/201316.83115.310153

12/31/201415.31015.19795

12/31/201515.19714.52584

2.30%

12/31/2009N/A12.7751

12/31/201012.77514.0043

12/31/201114.00414.5530

12/31/201214.55316.7660

12/31/201316.76615.2430

12/31/201415.24315.1240

12/31/201515.12414.4480

2.35%

12/31/2007N/A11.9790

12/31/200811.9799.992109

12/31/20099.99212.745374

12/31/201012.74513.964576

12/31/201113.96414.504485

12/31/201214.50416.702453

12/31/201316.70215.177397

12/31/201415.17715.051327

12/31/201515.05114.371264

2.40%

12/31/2007N/A11.9630

12/31/200811.9639.97463

12/31/20099.97412.716148

12/31/201012.71613.925183

12/31/201113.92514.456174

12/31/201214.45616.638149

12/31/201316.63815.111149

12/31/201415.11114.978128

12/31/201514.97814.29499

2.45%

12/31/2007N/A11.9470

12/31/200811.9479.95548

12/31/20099.95512.68659

12/31/201012.68613.885106

12/31/201113.88514.40883

12/31/201214.40816.57469

12/31/201316.57415.04646

12/31/201415.04614.90643

12/31/201514.90614.21829

2.50%

12/31/2007N/A11.9310

12/31/200811.9319.93790

12/31/20099.93712.656259

12/31/201012.65613.846351

12/31/201113.84614.360265

12/31/201214.36016.511231

12/31/201316.51114.981194

12/31/201414.98114.834157

12/31/201514.83414.142137

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.55%

12/31/2007N/A11.9150

12/31/200811.9159.91926

12/31/20099.91912.62778

12/31/201012.62713.807112

12/31/201113.80714.31289

12/31/201214.31216.44775

12/31/201316.44714.91681

12/31/201414.91614.76277

12/31/201514.76214.06768

2.60%

12/31/2007N/A11.8990

12/31/200811.8999.90140

12/31/20099.90112.597120

12/31/201012.59713.767227

12/31/201113.76714.264193

12/31/201214.26416.384152

12/31/201316.38414.85188

12/31/201414.85114.691102

12/31/201514.69113.99276

2.65%

12/31/2007N/A11.8830

12/31/200811.8839.88242

12/31/20099.88212.568162

12/31/201012.56813.728205

12/31/201113.72814.217175

12/31/201214.21716.321164

12/31/201316.32114.787169

12/31/201414.78714.620157

12/31/201514.62013.918137

2.70%

12/31/2007N/A11.8670

12/31/200811.8679.86411

12/31/20099.86412.53853

12/31/201012.53813.69055

12/31/201113.69014.16928

12/31/201214.16916.25926

12/31/201316.25914.72324

12/31/201414.72314.54925

12/31/201514.54913.84318

2.75%

12/31/2007N/A11.8510

12/31/200811.8519.84619

12/31/20099.84612.50963

12/31/201012.50913.65175

12/31/201113.65114.12273

12/31/201214.12216.19753

12/31/201316.19714.65947

12/31/201414.65914.47993

12/31/201514.47913.77081

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

88

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.80%

12/31/2007N/A11.8350

12/31/200811.8359.8289

12/31/20099.82812.480111

12/31/201012.48013.612141

12/31/201113.61214.07588

12/31/201214.07516.13582

12/31/201316.13514.59683

12/31/201414.59614.40965

12/31/201514.40913.69661

2.85%

12/31/2007N/A11.8200

12/31/200811.8209.8106

12/31/20099.81012.45125

12/31/201012.45113.57331

12/31/201113.57314.02831

12/31/201214.02816.07329

12/31/201316.07314.53317

12/31/201414.53314.33912

12/31/201514.33913.62311

2.90%

12/31/2007N/A11.8040

12/31/200811.8049.79211

12/31/20099.79212.42248

12/31/201012.42213.53544

12/31/201113.53513.98237

12/31/201213.98216.01138

12/31/201316.01114.47031

12/31/201414.47014.27039

12/31/201514.27013.55136

2.95%

12/31/2007N/A11.7880

12/31/200811.7889.7744

12/31/20099.77412.39372

12/31/201012.39313.49739

12/31/201113.49713.93517

12/31/201213.93515.95029

12/31/201315.95014.40717

12/31/201414.40714.20118

12/31/201514.20113.47916

3.00%

12/31/2008N/A9.7560

12/31/20099.75612.3646

12/31/201012.36413.4586

12/31/201113.45813.8895

12/31/201213.88915.8894

12/31/201315.88914.3455

12/31/201414.34514.1332

12/31/201514.13313.4070

3.05%

12/31/2009N/A12.33520

12/31/201012.33513.42026

12/31/201113.42013.84225

12/31/201213.84215.82826

12/31/201315.82814.28210

12/31/201414.28214.06411

12/31/201514.06413.33611

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2009N/A12.30617

12/31/201012.30613.38231

12/31/201113.38213.79621

12/31/201213.79615.76721

12/31/201315.76714.2216

12/31/201414.22113.9976

12/31/201513.99713.2645

3.15%

12/31/2009N/A12.2773

12/31/201012.27713.34421

12/31/201113.34413.7502

12/31/201213.75015.7071

12/31/201315.70714.1593

12/31/201414.15913.9294

12/31/201513.92913.1943

3.20%

12/31/2013N/A22.1020

12/31/201422.10221.7320

12/31/201521.73220.5750

3.25%

12/31/2013N/A21.9780

12/31/201421.97821.5990

12/31/201521.59920.4390

3.30%

12/31/2013N/A13.9760

12/31/201413.97613.7280

12/31/201513.72812.9841

3.35%

12/31/2013N/A21.7310

12/31/201421.73121.3351

12/31/201521.33520.1691

3.40%

12/31/2013N/A21.6090

12/31/201421.60921.2050

12/31/201521.20520.0360

PIMCO VIT Global Advantage Strategy Bond Portfolio

1.65%

12/31/2011N/A9.797608

12/31/20129.79710.233990

12/31/201310.2339.7491003

12/31/20149.7499.4461007

12/31/20159.4468.824958

1.70%

12/31/2011N/A9.794358

12/31/20129.79410.224839

12/31/201310.2249.7361132

12/31/20149.7369.4291111

12/31/20159.4298.8031149

1.75%

12/31/2011N/A9.79128

12/31/20129.79110.21647

12/31/201310.2169.72326

12/31/20149.7239.41119

12/31/20159.4118.78317

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

89

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.80%

12/31/2011N/A9.7887

12/31/20129.78810.20711

12/31/201310.2079.7109

12/31/20149.7109.39416

12/31/20159.3948.7629

1.95%

12/31/2011N/A9.778234

12/31/20129.77810.182387

12/31/201310.1829.671291

12/31/20149.6719.342273

12/31/20159.3428.701243

2.05%

12/31/2011N/A9.77117

12/31/20129.77110.16421

12/31/201310.1649.64522

12/31/20149.6459.30818

12/31/20159.3088.66021

2.10%

12/31/2011N/A9.7685

12/31/20129.76810.15611

12/31/201310.1569.63228

12/31/20149.6329.29133

12/31/20159.2918.64033

2.15%

12/31/2011N/A9.7651

12/31/20129.76510.1470

12/31/201310.1479.6190

12/31/20149.6199.2740

12/31/20159.2748.6200

2.20%

12/31/2011N/A9.76129

12/31/20129.76110.13938

12/31/201310.1399.60643

12/31/20149.6069.25751

12/31/20159.2578.60048

2.25%

12/31/2011N/A9.75812

12/31/20129.75810.13022

12/31/201310.1309.59322

12/31/20149.5939.24028

12/31/20159.2408.58033

2.30%

12/31/2011N/A9.7556

12/31/20129.75510.12211

12/31/201310.1229.58112

12/31/20149.5819.2230

12/31/20159.2238.5600

2.35%

12/31/2011N/A9.75259

12/31/20129.75210.11358

12/31/201310.1139.56852

12/31/20149.5689.20660

12/31/20159.2068.54061

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.40%

12/31/2011N/A9.7487

12/31/20129.74810.10522

12/31/201310.1059.55525

12/31/20149.5559.18936

12/31/20159.1898.52034

2.45%

12/31/2011N/A9.74524

12/31/20129.74510.0976

12/31/201310.0979.54221

12/31/20149.5429.17214

12/31/20159.1728.5008

2.50%

12/31/2011N/A9.74260

12/31/20129.74210.08870

12/31/201310.0889.52949

12/31/20149.5299.15553

12/31/20159.1558.48031

2.55%

12/31/2011N/A9.7381

12/31/20129.73810.0804

12/31/201310.0809.5179

12/31/20149.5179.1394

12/31/20159.1398.4607

2.60%

12/31/2011N/A9.73540

12/31/20129.73510.07140

12/31/201310.0719.50449

12/31/20149.5049.12236

12/31/20159.1228.44027

2.65%

12/31/2011N/A9.73248

12/31/20129.73210.0636

12/31/201310.0639.49115

12/31/20149.4919.1057

12/31/20159.1058.42112

2.70%

12/31/2011N/A9.7291

12/31/20129.72910.0543

12/31/201310.0549.47910

12/31/20149.4799.0882

12/31/20159.0888.4012

2.75%

12/31/2011N/A9.72512

12/31/20129.72510.04616

12/31/201310.0469.46611

12/31/20149.4669.07215

12/31/20159.0728.38116

2.80%

12/31/2011N/A9.7226

12/31/20129.72210.0376

12/31/201310.0379.4534

12/31/20149.4539.0552

12/31/20159.0558.3625

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

90

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2011N/A9.7195

12/31/20129.71910.0295

12/31/201310.0299.4414

12/31/20149.4419.0384

12/31/20159.0388.3423

2.90%

12/31/2011N/A9.71666

12/31/20129.71610.021159

12/31/201310.0219.4280

12/31/20149.4289.0220

12/31/20159.0228.3230

2.95%

12/31/2011N/A9.7121

12/31/20129.71210.0121

12/31/201310.0129.4152

12/31/20149.4159.0054

12/31/20159.0058.3030

3.00%

12/31/2011N/A9.7090

12/31/20129.70910.0040

12/31/201310.0049.4030

12/31/20149.4038.9890

12/31/20158.9898.2844

3.05%

12/31/2011N/A9.70666

12/31/20129.7069.995155

12/31/20139.9959.3900

12/31/20149.3908.9720

12/31/20158.9728.2640

3.10%

12/31/2011N/A9.7030

12/31/20129.7039.9870

12/31/20139.9879.3780

12/31/20149.3788.9560

12/31/20158.9568.2450

3.15%

12/31/2011N/A9.6990

12/31/20129.6999.9790

12/31/20139.9799.3650

12/31/20149.3658.9390

12/31/20158.9398.2260

3.20%

12/31/2013N/A9.3480

12/31/20149.3488.9180

12/31/20158.9188.2023

3.25%

12/31/2013N/A9.3350

12/31/20149.3358.9020

12/31/20158.9028.1830

3.30%

12/31/2013N/A9.3230

12/31/20149.3238.8860

12/31/20158.8868.1650

3.35%

12/31/2013N/A9.3100

12/31/20149.3108.8690

12/31/20158.8698.1450

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.40%

12/31/2013N/A9.2970

12/31/20149.2978.8520

12/31/20158.8528.1260

PIMCO VIT Global Bond Portfolio (Unhedged)

1.65%

12/31/2007N/A10.37134

12/31/200810.37110.11456

12/31/200910.11411.62743

12/31/201011.62712.770371

12/31/201112.77013.513523

12/31/201213.51314.214512

12/31/201314.21412.796507

12/31/201412.79612.872434

12/31/201512.87212.150361

1.70%

12/31/2007N/A10.357212

12/31/200810.35710.096223

12/31/200910.09611.600137

12/31/201011.60012.734595

12/31/201112.73413.468736

12/31/201213.46814.159709

12/31/201314.15912.741752

12/31/201412.74112.809738

12/31/201512.80912.086695

1.75%

12/31/2009N/A11.5725

12/31/201011.57212.69819

12/31/201112.69813.42342

12/31/201213.42314.10539

12/31/201314.10512.68523

12/31/201412.68512.74822

12/31/201512.74812.02115

1.80%

12/31/2008N/A10.05991

12/31/200910.05911.545199

12/31/201011.54512.662174

12/31/201112.66213.378154

12/31/201213.37814.051154

12/31/201314.05112.630155

12/31/201412.63012.686158

12/31/201512.68611.957147

1.95%

12/31/2007N/A10.28826

12/31/200810.28810.00330

12/31/200910.00311.465113

12/31/201011.46512.554222

12/31/201112.55413.245335

12/31/201213.24513.890287

12/31/201313.89012.467303

12/31/201412.46712.503288

12/31/201512.50311.767246

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

91

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2008N/A9.96793

12/31/20099.96711.41158

12/31/201011.41112.48376

12/31/201112.48313.15791

12/31/201213.15713.78488

12/31/201313.78412.35990

12/31/201412.35912.38387

12/31/201512.38311.64261

2.10%

12/31/2007N/A10.2470

12/31/200810.2479.948100

12/31/20099.94811.385161

12/31/201011.38512.448142

12/31/201112.44813.113124

12/31/201213.11313.731152

12/31/201313.73112.306144

12/31/201412.30612.323123

12/31/201512.32311.580113

2.15%

12/31/2008N/A9.9306

12/31/20099.93011.3584

12/31/201011.35812.4124

12/31/201112.41213.0693

12/31/201213.06913.6782

12/31/201313.67812.2522

12/31/201412.25212.2632

12/31/201512.26311.5191

2.20%

12/31/2007N/A10.2190

12/31/200810.2199.912188

12/31/20099.91211.331277

12/31/201011.33112.377257

12/31/201112.37713.026225

12/31/201213.02613.626208

12/31/201313.62612.199211

12/31/201412.19912.204191

12/31/201512.20411.457157

2.25%

12/31/2007N/A10.2060

12/31/200810.2069.89470

12/31/20099.89411.305133

12/31/201011.30512.342158

12/31/201112.34212.982143

12/31/201212.98213.574156

12/31/201313.57412.147133

12/31/201412.14712.145128

12/31/201512.14511.396105

2.30%

12/31/2009N/A11.2792

12/31/201011.27912.3070

12/31/201112.30712.9390

12/31/201212.93913.5220

12/31/201313.52212.0940

12/31/201412.09412.0870

12/31/201512.08711.3360

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.35%

12/31/2007N/A10.1780

12/31/200810.1789.857246

12/31/20099.85711.252494

12/31/201011.25212.272467

12/31/201112.27212.896391

12/31/201212.89613.470354

12/31/201313.47012.042326

12/31/201412.04212.028275

12/31/201512.02811.275239

2.40%

12/31/2007N/A10.1650

12/31/200810.1659.83973

12/31/20099.83911.226208

12/31/201011.22612.237234

12/31/201112.23712.853169

12/31/201212.85313.418141

12/31/201313.41811.989133

12/31/201411.98911.970162

12/31/201511.97011.215106

2.45%

12/31/2007N/A10.1510

12/31/200810.1519.82158

12/31/20099.82111.20094

12/31/201011.20012.203106

12/31/201112.20312.81091

12/31/201212.81013.36773

12/31/201313.36711.93768

12/31/201411.93711.91260

12/31/201511.91211.15554

2.50%

12/31/2007N/A10.1380

12/31/200810.1389.803186

12/31/20099.80311.174338

12/31/201011.17412.168305

12/31/201112.16812.767265

12/31/201212.76713.316246

12/31/201313.31611.886215

12/31/201411.88611.855194

12/31/201511.85511.096147

2.55%

12/31/2007N/A10.1240

12/31/200810.1249.78537

12/31/20099.78511.147106

12/31/201011.14712.13498

12/31/201112.13412.72587

12/31/201212.72513.26570

12/31/201313.26511.83458

12/31/201411.83411.79859

12/31/201511.79811.03759

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

92

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A10.1110

12/31/200810.1119.76771

12/31/20099.76711.121121

12/31/201011.12112.099130

12/31/201112.09912.682112

12/31/201212.68213.214104

12/31/201313.21411.783109

12/31/201411.78311.74191

12/31/201511.74110.97893

2.65%

12/31/2007N/A10.0970

12/31/200810.0979.74999

12/31/20099.74911.095237

12/31/201011.09512.065253

12/31/201112.06512.640249

12/31/201212.64013.163230

12/31/201313.16311.732188

12/31/201411.73211.684167

12/31/201511.68410.920142

2.70%

12/31/2007N/A10.0840

12/31/200810.0849.73131

12/31/20099.73111.06950

12/31/201011.06912.03161

12/31/201112.03112.59843

12/31/201212.59813.11335

12/31/201313.11311.68128

12/31/201411.68111.62824

12/31/201511.62810.86117

2.75%

12/31/2007N/A10.0700

12/31/200810.0709.71323

12/31/20099.71311.04488

12/31/201011.04411.99784

12/31/201111.99712.55669

12/31/201212.55613.06264

12/31/201313.06211.63164

12/31/201411.63111.57160

12/31/201511.57110.80467

2.80%

12/31/2007N/A10.0570

12/31/200810.0579.69527

12/31/20099.69511.01892

12/31/201011.01811.963105

12/31/201111.96312.51486

12/31/201212.51413.01279

12/31/201313.01211.58077

12/31/201411.58011.51572

12/31/201511.51510.74666

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A10.0430

12/31/200810.0439.6782

12/31/20099.67810.99210

12/31/201010.99211.92919

12/31/201111.92912.4734

12/31/201212.47312.9624

12/31/201312.96211.5306

12/31/201411.53011.4606

12/31/201511.46010.6895

2.90%

12/31/2007N/A10.0300

12/31/200810.0309.66012

12/31/20099.66010.96657

12/31/201010.96611.89553

12/31/201111.89512.43139

12/31/201212.43112.91336

12/31/201312.91311.48037

12/31/201411.48011.40539

12/31/201511.40510.63239

2.95%

12/31/2007N/A10.0160

12/31/200810.0169.6426

12/31/20099.64210.94166

12/31/201010.94111.86176

12/31/201111.86112.39061

12/31/201212.39012.86362

12/31/201312.86311.43047

12/31/201411.43011.34943

12/31/201511.34910.57540

3.00%

12/31/2008N/A9.6241

12/31/20099.62410.9154

12/31/201010.91511.8287

12/31/201111.82812.3487

12/31/201212.34812.81410

12/31/201312.81411.3812

12/31/201411.38111.2952

12/31/201511.29510.5192

3.05%

12/31/2009N/A10.89020

12/31/201010.89011.79415

12/31/201111.79412.30715

12/31/201212.30712.76512

12/31/201312.76511.3328

12/31/201411.33211.2408

12/31/201511.24010.46310

3.10%

12/31/2009N/A10.86419

12/31/201010.86411.76118

12/31/201111.76112.26620

12/31/201212.26612.71621

12/31/201312.71611.28317

12/31/201411.28311.18614

12/31/201511.18610.40714

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

93

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.15%

12/31/2009N/A10.8395

12/31/201010.83911.7275

12/31/201111.72712.2255

12/31/201212.22512.6676

12/31/201312.66711.2347

12/31/201411.23411.1328

12/31/201511.13210.35213

3.20%

12/31/2013N/A15.1880

12/31/201415.18815.0430

12/31/201515.04313.9820

3.25%

12/31/2013N/A15.0980

12/31/201415.09814.9460

12/31/201514.94613.8840

3.30%

12/31/2013N/A11.0880

12/31/201411.08810.9710

12/31/201510.97110.1871

3.35%

12/31/2013N/A14.9170

12/31/201414.91714.7530

12/31/201514.75313.6910

3.40%

12/31/2013N/A14.8280

12/31/201414.82814.6570

12/31/201514.65713.5960

PIMCO VIT Global Multi-Asset Managed Allocation Portfolio

1.65%

12/31/2009N/A10.00685

12/31/201010.00610.9602429

12/31/201110.96010.5945248

12/31/201210.59411.3445592

12/31/201311.34410.2804702

12/31/201410.28010.5873619

12/31/201510.58710.3992865

1.70%

12/31/2009N/A10.00566

12/31/201010.00510.9531769

12/31/201110.95310.5823530

12/31/201210.58211.3263742

12/31/201311.32610.2593603

12/31/201410.25910.5603111

12/31/201510.56010.3672777

1.75%

12/31/2009N/A10.0044

12/31/201010.00410.947309

12/31/201110.94710.571740

12/31/201210.57111.308723

12/31/201311.30810.237642

12/31/201410.23710.533221

12/31/201510.53310.335173

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.80%

12/31/2009N/A10.0034

12/31/201010.00310.94093

12/31/201110.94010.559118

12/31/201210.55911.290104

12/31/201311.29010.21655

12/31/201410.21610.50536

12/31/201510.50510.30325

1.95%

12/31/2009N/A10.00018

12/31/201010.00010.921564

12/31/201110.92110.5241162

12/31/201210.52411.2361193

12/31/201311.23610.1521126

12/31/201410.15210.424899

12/31/201510.42410.208769

2.05%

12/31/2009N/A9.9982

12/31/20109.99810.90859

12/31/201110.90810.501133

12/31/201210.50111.200118

12/31/201311.20010.109103

12/31/201410.10910.37080

12/31/201510.37010.14561

2.10%

12/31/2009N/A9.99715

12/31/20109.99710.901192

12/31/201110.90110.490254

12/31/201210.49011.182308

12/31/201311.18210.088231

12/31/201410.08810.343210

12/31/201510.34310.113205

2.15%

12/31/2009N/A9.9960

12/31/20109.99610.89525

12/31/201110.89510.47824

12/31/201210.47811.16426

12/31/201311.16410.06722

12/31/201410.06710.31620

12/31/201510.31610.08217

2.20%

12/31/2009N/A9.99538

12/31/20109.99510.888240

12/31/201110.88810.467275

12/31/201210.46711.146183

12/31/201311.14610.046120

12/31/201410.04610.28992

12/31/201510.28910.051128

2.25%

12/31/2009N/A9.9947

12/31/20109.99410.882182

12/31/201110.88210.455123

12/31/201210.45511.129129

12/31/201311.12910.025137

12/31/201410.02510.262135

12/31/201510.26210.020126

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

94

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.30%

12/31/2009N/A9.9930

12/31/20109.99310.8750

12/31/201110.87510.4441

12/31/201210.44411.1111

12/31/201311.11110.0040

12/31/201410.00410.2360

12/31/201510.2369.9890

2.35%

12/31/2009N/A9.99290

12/31/20109.99210.869486

12/31/201110.86910.433682

12/31/201210.43311.093634

12/31/201311.0939.983540

12/31/20149.98310.209408

12/31/201510.2099.958453

2.40%

12/31/2009N/A9.9910

12/31/20109.99110.86272

12/31/201110.86210.42199

12/31/201210.42111.07594

12/31/201311.0759.96281

12/31/20149.96210.18375

12/31/201510.1839.92785

2.45%

12/31/2009N/A9.9903

12/31/20109.99010.85686

12/31/201110.85610.410113

12/31/201210.41011.058105

12/31/201311.0589.941102

12/31/20149.94110.15676

12/31/201510.1569.89668

2.50%

12/31/2009N/A9.98925

12/31/20109.98910.849332

12/31/201110.84910.398495

12/31/201210.39811.040457

12/31/201311.0409.920395

12/31/20149.92010.130317

12/31/201510.1309.866266

2.55%

12/31/2009N/A9.9891

12/31/20109.98910.84311

12/31/201110.84310.38717

12/31/201210.38711.02212

12/31/201311.0229.90015

12/31/20149.90010.10419

12/31/201510.1049.83518

2.60%

12/31/2009N/A9.9889

12/31/20109.98810.83671

12/31/201110.83610.376142

12/31/201210.37611.005127

12/31/201311.0059.879106

12/31/20149.87910.07889

12/31/201510.0789.80568

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.65%

12/31/2009N/A9.9879

12/31/20109.98710.830178

12/31/201110.83010.364279

12/31/201210.36410.987306

12/31/201310.9879.858271

12/31/20149.85810.051231

12/31/201510.0519.775235

2.70%

12/31/2009N/A9.9860

12/31/20109.98610.82327

12/31/201110.82310.35361

12/31/201210.35310.97072

12/31/201310.9709.83757

12/31/20149.83710.02554

12/31/201510.0259.74469

2.75%

12/31/2009N/A9.9851

12/31/20109.98510.81757

12/31/201110.81710.342198

12/31/201210.34210.952163

12/31/201310.9529.817117

12/31/20149.8179.99983

12/31/20159.9999.71455

2.80%

12/31/2009N/A9.9849

12/31/20109.98410.81062

12/31/201110.81010.330108

12/31/201210.33010.935114

12/31/201310.9359.796124

12/31/20149.7969.973104

12/31/20159.9739.684103

2.85%

12/31/2009N/A9.9830

12/31/20109.98310.8049

12/31/201110.80410.31932

12/31/201210.31910.91739

12/31/201310.9179.77642

12/31/20149.7769.94823

12/31/20159.9489.65423

2.90%

12/31/2009N/A9.9822

12/31/20109.98210.79829

12/31/201110.79810.30864

12/31/201210.30810.90065

12/31/201310.9009.75521

12/31/20149.7559.92218

12/31/20159.9229.62423

2.95%

12/31/2009N/A9.9811

12/31/20109.98110.79170

12/31/201110.79110.296123

12/31/201210.29610.882146

12/31/201310.8829.735120

12/31/20149.7359.89695

12/31/20159.8969.59521

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

95

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.00%

12/31/2009N/A9.9800

12/31/20109.98010.7853

12/31/201110.78510.2853

12/31/201210.28510.8658

12/31/201310.8659.7142

12/31/20149.7149.87010

12/31/20159.8709.5652

3.05%

12/31/2009N/A9.9790

12/31/20109.97910.77837

12/31/201110.77810.27450

12/31/201210.27410.84859

12/31/201310.8489.69421

12/31/20149.6949.84516

12/31/20159.8459.53511

3.10%

12/31/2009N/A9.9783

12/31/20109.97810.77243

12/31/201110.77210.26338

12/31/201210.26310.83040

12/31/201310.8309.67423

12/31/20149.6749.81924

12/31/20159.8199.50622

3.15%

12/31/2009N/A9.9770

12/31/20109.97710.7650

12/31/201110.76510.2510

12/31/201210.25110.8130

12/31/201310.8139.6530

12/31/20149.6539.7942

12/31/20159.7949.4762

3.20%

12/31/2013N/A11.2490

12/31/201411.24911.4060

12/31/201511.40611.0312

3.25%

12/31/2013N/A11.2220

12/31/201411.22211.3740

12/31/201511.37410.9940

3.30%

12/31/2013N/A9.5930

12/31/20149.5939.7180

12/31/20159.7189.3891

3.35%

12/31/2013N/A11.1690

12/31/201411.16911.3090

12/31/201511.30910.9210

3.40%

12/31/2013N/A11.1430

12/31/201411.14311.2760

12/31/201511.27610.8840

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

PIMCO VIT Global Multi-Asset Managed Volatility Portfolio

1.65%

12/31/2012N/A10.220305

12/31/201310.2209.438324

12/31/20149.4389.736274

12/31/20159.7369.476251

1.70%

12/31/2012N/A10.216368

12/31/201310.2169.430802

12/31/20149.4309.723742

12/31/20159.7239.458724

1.75%

12/31/2012N/A10.2136

12/31/201310.2139.4227

12/31/20149.4229.7107

12/31/20159.7109.4415

1.95%

12/31/2012N/A10.19929

12/31/201310.1999.39062

12/31/20149.3909.65961

12/31/20159.6599.37264

2.05%

12/31/2012N/A10.1920

12/31/201310.1929.3750

12/31/20149.3759.6330

12/31/20159.6339.3370

PIMCO VIT High Yield Portfolio

1.65%

12/31/2007N/A14.01724

12/31/200814.01710.54130

12/31/200910.54114.561115

12/31/201014.56116.401829

12/31/201116.40116.6752031

12/31/201216.67518.7513509

12/31/201318.75119.5043893

12/31/201419.50419.8273567

12/31/201519.82719.1823255

1.70%

12/31/2007N/A13.96260

12/31/200813.96210.49464

12/31/200910.49414.489166

12/31/201014.48916.311873

12/31/201116.31116.5761764

12/31/201216.57618.6303056

12/31/201318.63019.3683921

12/31/201419.36819.6803792

12/31/201519.68019.0303650

1.75%

12/31/2009N/A13.8843

12/31/201013.88415.62260

12/31/201115.62215.868373

12/31/201215.86817.825372

12/31/201317.82518.522544

12/31/201418.52218.811514

12/31/201518.81118.180423

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

96

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.80%

12/31/2008N/A10.40144

12/31/200910.40114.346297

12/31/201014.34616.134467

12/31/201116.13416.380745

12/31/201216.38018.391501

12/31/201318.39119.100626

12/31/201419.10019.388602

12/31/201519.38818.729446

1.95%

12/31/2007N/A13.6884

12/31/200813.68810.2636

12/31/200910.26314.134118

12/31/201014.13415.872363

12/31/201115.87216.089663

12/31/201216.08918.038911

12/31/201318.03818.7061055

12/31/201418.70618.959997

12/31/201518.95918.287902

2.05%

12/31/2008N/A10.17222

12/31/200910.17213.99577

12/31/201013.99515.699127

12/31/201115.69915.899229

12/31/201215.89917.806292

12/31/201317.80618.447330

12/31/201418.44718.678261

12/31/201518.67817.998231

2.10%

12/31/2007N/A13.5260

12/31/200813.52610.12663

12/31/200910.12613.925142

12/31/201013.92515.614208

12/31/201115.61415.804190

12/31/201215.80417.692200

12/31/201317.69218.319256

12/31/201418.31918.539240

12/31/201518.53917.855205

2.15%

12/31/2008N/A10.0816

12/31/200910.08113.8575

12/31/201013.85715.52912

12/31/201115.52915.71034

12/31/201215.71017.57832

12/31/201317.57818.19249

12/31/201418.19218.40152

12/31/201518.40117.71415

2.20%

12/31/2007N/A13.4190

12/31/200813.41910.03793

12/31/200910.03713.788273

12/31/201013.78815.444315

12/31/201115.44415.617351

12/31/201215.61717.464388

12/31/201317.46418.065498

12/31/201418.06518.265411

12/31/201518.26517.573313

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.25%

12/31/2007N/A13.3660

12/31/200813.3669.99250

12/31/20099.99213.720114

12/31/201013.72015.360170

12/31/201115.36015.524187

12/31/201215.52417.352197

12/31/201317.35217.940268

12/31/201417.94018.129227

12/31/201518.12917.434178

2.30%

12/31/2009N/A13.6521

12/31/201013.65215.2762

12/31/201115.27615.4324

12/31/201215.43217.2407

12/31/201317.24017.8167

12/31/201417.81617.9947

12/31/201517.99417.2969

2.35%

12/31/2007N/A13.2610

12/31/200813.2619.903113

12/31/20099.90313.584551

12/31/201013.58415.193642

12/31/201115.19315.340630

12/31/201215.34017.129779

12/31/201317.12917.692677

12/31/201417.69217.860594

12/31/201517.86017.158500

2.40%

12/31/2007N/A13.2090

12/31/200813.2099.85942

12/31/20099.85913.517127

12/31/201013.51715.110162

12/31/201115.11015.249142

12/31/201215.24917.019389

12/31/201317.01917.569334

12/31/201417.56917.727304

12/31/201517.72717.022241

2.45%

12/31/2007N/A13.1560

12/31/200813.1569.81551

12/31/20099.81513.450112

12/31/201013.45015.028132

12/31/201115.02815.158122

12/31/201215.15816.909152

12/31/201316.90917.447163

12/31/201417.44717.596130

12/31/201517.59616.887115

2.50%

12/31/2007N/A13.1040

12/31/200813.1049.77170

12/31/20099.77113.383416

12/31/201013.38314.946561

12/31/201114.94615.068458

12/31/201215.06816.800602

12/31/201316.80017.326574

12/31/201417.32617.465466

12/31/201517.46516.753377

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

97

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.55%

12/31/2007N/A13.0530

12/31/200813.0539.72822

12/31/20099.72813.31753

12/31/201013.31714.86576

12/31/201114.86514.97968

12/31/201214.97916.69286

12/31/201316.69217.20696

12/31/201417.20617.33581

12/31/201517.33516.62062

2.60%

12/31/2007N/A13.0010

12/31/200813.0019.68541

12/31/20099.68513.251183

12/31/201013.25114.784215

12/31/201114.78414.890204

12/31/201214.89016.584265

12/31/201316.58417.087311

12/31/201417.08717.206266

12/31/201517.20616.489256

2.65%

12/31/2007N/A12.9500

12/31/200812.9509.64139

12/31/20099.64113.186203

12/31/201013.18614.703259

12/31/201114.70314.801272

12/31/201214.80116.477312

12/31/201316.47716.968329

12/31/201416.96817.078280

12/31/201517.07816.358245

2.70%

12/31/2007N/A12.8980

12/31/200812.8989.59912

12/31/20099.59913.12072

12/31/201013.12014.62339

12/31/201114.62314.71342

12/31/201214.71316.37142

12/31/201316.37116.85029

12/31/201416.85016.95124

12/31/201516.95116.22821

2.75%

12/31/2007N/A12.8470

12/31/200812.8479.55618

12/31/20099.55613.055117

12/31/201013.05514.543170

12/31/201114.54314.626231

12/31/201214.62616.266254

12/31/201316.26616.733196

12/31/201416.73316.825113

12/31/201516.82516.099113

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.80%

12/31/2007N/A12.7970

12/31/200812.7979.5133

12/31/20099.51312.991109

12/31/201012.99114.464138

12/31/201114.46414.539123

12/31/201214.53916.161129

12/31/201316.16116.617123

12/31/201416.61716.70091

12/31/201516.70015.97262

2.85%

12/31/2007N/A12.7460

12/31/200812.7469.4714

12/31/20099.47112.92730

12/31/201012.92714.38523

12/31/201114.38514.45231

12/31/201214.45216.05724

12/31/201316.05716.50214

12/31/201416.50216.57622

12/31/201516.57615.84521

2.90%

12/31/2007N/A12.6960

12/31/200812.6969.42921

12/31/20099.42912.863116

12/31/201012.86314.307107

12/31/201114.30714.366121

12/31/201214.36615.95380

12/31/201315.95316.38783

12/31/201416.38716.45248

12/31/201516.45215.71946

2.95%

12/31/2007N/A12.6450

12/31/200812.6459.3878

12/31/20099.38712.799141

12/31/201012.79914.229125

12/31/201114.22914.28155

12/31/201214.28115.850105

12/31/201315.85016.27467

12/31/201416.27416.33058

12/31/201516.33015.59541

3.00%

12/31/2008N/A9.3450

12/31/20099.34512.73622

12/31/201012.73614.1528

12/31/201114.15214.1969

12/31/201214.19615.74815

12/31/201315.74816.16111

12/31/201416.16116.20913

12/31/201516.20915.47111

3.05%

12/31/2009N/A12.67285

12/31/201012.67214.07598

12/31/201114.07514.11295

12/31/201214.11215.64752

12/31/201315.64716.04850

12/31/201416.04816.08826

12/31/201516.08815.34823

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

98

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2009N/A12.61014

12/31/201012.61013.99817

12/31/201113.99814.0288

12/31/201214.02815.54635

12/31/201315.54615.93718

12/31/201415.93715.96811

12/31/201515.96815.22610

3.15%

12/31/2009N/A12.5471

12/31/201012.54713.92214

12/31/201113.92213.9451

12/31/201213.94515.44620

12/31/201315.44615.8262

12/31/201415.82615.8504

12/31/201515.85015.1064

3.20%

12/31/2013N/A15.4780

12/31/201415.47815.4922

12/31/201515.49214.7581

3.25%

12/31/2013N/A15.3560

12/31/201415.35615.3640

12/31/201515.36414.6280

3.30%

12/31/2013N/A15.5800

12/31/201415.58015.5801

12/31/201515.58014.8261

3.35%

12/31/2013N/A15.1171

12/31/201415.11715.1092

12/31/201515.10914.3712

3.40%

12/31/2013N/A14.9990

12/31/201414.99914.9840

12/31/201514.98414.2440

PIMCO VIT Real Return Portfolio

1.65%

12/31/2007N/A12.18136

12/31/200812.18111.13664

12/31/200911.13612.968116

12/31/201012.96813.7911068

12/31/201113.79115.1502244

12/31/201215.15016.2063671

12/31/201316.20614.4722974

12/31/201414.47214.6762673

12/31/201514.67614.0452305

1.70%

12/31/2007N/A12.15377

12/31/200812.15311.104190

12/31/200911.10412.925285

12/31/201012.92513.7381229

12/31/201113.73815.0852613

12/31/201215.08516.1283738

12/31/201316.12814.3953611

12/31/201414.39514.5913399

12/31/201514.59113.9573229

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.75%

12/31/2009N/A12.8726

12/31/201012.87213.67468

12/31/201113.67415.007338

12/31/201215.00716.037473

12/31/201316.03714.307300

12/31/201414.30714.494278

12/31/201514.49413.857245

1.80%

12/31/2008N/A11.042122

12/31/200911.04212.839402

12/31/201012.83913.633318

12/31/201113.63314.954418

12/31/201214.95415.973550

12/31/201315.97314.242537

12/31/201414.24214.421517

12/31/201514.42113.781406

1.95%

12/31/2007N/A12.01122

12/31/200812.01110.94837

12/31/200910.94812.711277

12/31/201012.71113.477462

12/31/201113.47714.761928

12/31/201214.76115.7431190

12/31/201315.74314.015954

12/31/201414.01514.171842

12/31/201514.17113.521800

2.05%

12/31/2008N/A10.88675

12/31/200910.88612.627190

12/31/201012.62713.374280

12/31/201113.37414.633346

12/31/201214.63315.591391

12/31/201315.59113.867269

12/31/201413.86714.006277

12/31/201514.00613.351181

2.10%

12/31/2007N/A11.9270

12/31/200811.92710.855253

12/31/200910.85512.585447

12/31/201012.58513.322461

12/31/201113.32214.570425

12/31/201214.57015.516428

12/31/201315.51613.793416

12/31/201413.79313.925367

12/31/201513.92513.266328

2.15%

12/31/2008N/A10.82416

12/31/200910.82412.54320

12/31/201012.54313.27118

12/31/201113.27114.50716

12/31/201214.50715.44116

12/31/201315.44113.71917

12/31/201413.71913.84413

12/31/201513.84413.18315

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

99

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.20%

12/31/2007N/A11.8720

12/31/200811.87210.794262

12/31/200910.79412.501512

12/31/201012.50113.221479

12/31/201113.22114.444486

12/31/201214.44415.366518

12/31/201315.36613.646435

12/31/201413.64613.763404

12/31/201513.76313.099367

2.25%

12/31/2007N/A11.8440

12/31/200811.84410.763114

12/31/200910.76312.459291

12/31/201012.45913.170339

12/31/201113.17014.382453

12/31/201214.38215.292456

12/31/201315.29213.573381

12/31/201413.57313.683298

12/31/201513.68313.016246

2.30%

12/31/2009N/A12.4182

12/31/201012.41813.1194

12/31/201113.11914.3196

12/31/201214.31915.2184

12/31/201315.21813.5013

12/31/201413.50113.6033

12/31/201513.60312.9343

2.35%

12/31/2007N/A11.7890

12/31/200811.78910.702431

12/31/200910.70212.376953

12/31/201012.37613.069940

12/31/201113.06914.257994

12/31/201214.25715.1451009

12/31/201315.14513.429731

12/31/201413.42913.524672

12/31/201513.52412.852579

2.40%

12/31/2007N/A11.7610

12/31/200811.76110.672160

12/31/200910.67212.335264

12/31/201012.33513.019286

12/31/201113.01914.196398

12/31/201214.19615.071455

12/31/201315.07113.358223

12/31/201413.35813.445167

12/31/201513.44512.771153

2.45%

12/31/2007N/A11.7340

12/31/200811.73410.641137

12/31/200910.64112.294207

12/31/201012.29412.969204

12/31/201112.96914.134265

12/31/201214.13414.999261

12/31/201314.99913.287220

12/31/201413.28713.367180

12/31/201513.36712.690159

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.50%

12/31/2007N/A11.7060

12/31/200811.70610.611284

12/31/200910.61112.253849

12/31/201012.25312.920693

12/31/201112.92014.073814

12/31/201214.07314.926863

12/31/201314.92613.216615

12/31/201413.21613.289571

12/31/201513.28912.610502

2.55%

12/31/2007N/A11.6790

12/31/200811.67910.58187

12/31/200910.58112.212200

12/31/201012.21212.870191

12/31/201112.87014.012233

12/31/201214.01214.854234

12/31/201314.85413.145158

12/31/201413.14513.212126

12/31/201513.21212.53195

2.60%

12/31/2007N/A11.6520

12/31/200811.65210.551135

12/31/200910.55112.171336

12/31/201012.17112.821264

12/31/201112.82113.952441

12/31/201213.95214.782382

12/31/201314.78213.075298

12/31/201413.07513.135264

12/31/201513.13512.451254

2.65%

12/31/2007N/A11.6250

12/31/200811.62510.521330

12/31/200910.52112.131715

12/31/201012.13112.772706

12/31/201112.77213.891727

12/31/201213.89114.711695

12/31/201314.71113.006484

12/31/201413.00613.058411

12/31/201513.05812.373350

2.70%

12/31/2007N/A11.5980

12/31/200811.59810.49126

12/31/200910.49112.090100

12/31/201012.09012.72391

12/31/201112.72313.83187

12/31/201213.83114.64081

12/31/201314.64012.93665

12/31/201412.93612.98255

12/31/201512.98212.29450

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

100

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.75%

12/31/2007N/A11.5700

12/31/200811.57010.46221

12/31/200910.46212.050198

12/31/201012.05012.674170

12/31/201112.67413.771213

12/31/201213.77114.569221

12/31/201314.56912.868175

12/31/201412.86812.907162

12/31/201512.90712.217166

2.80%

12/31/2007N/A11.5430

12/31/200811.54310.43237

12/31/200910.43212.010164

12/31/201012.01012.625171

12/31/201112.62513.712212

12/31/201213.71214.499223

12/31/201314.49912.799124

12/31/201412.79912.831112

12/31/201512.83112.14097

2.85%

12/31/2007N/A11.5160

12/31/200811.51610.40311

12/31/200910.40311.97041

12/31/201011.97012.57743

12/31/201112.57713.65239

12/31/201213.65214.42940

12/31/201314.42912.73128

12/31/201412.73112.75714

12/31/201512.75712.06318

2.90%

12/31/2007N/A11.4900

12/31/200811.49010.37322

12/31/200910.37311.930134

12/31/201011.93012.529156

12/31/201112.52913.593103

12/31/201213.59314.359109

12/31/201314.35912.66367

12/31/201412.66312.68271

12/31/201512.68211.98767

2.95%

12/31/2007N/A11.4630

12/31/200811.46310.34421

12/31/200910.34411.89068

12/31/201011.89012.48197

12/31/201112.48113.534134

12/31/201213.53414.290100

12/31/201314.29012.59642

12/31/201412.59612.60841

12/31/201512.60811.91139

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.00%

12/31/2008N/A10.3143

12/31/200910.31411.85119

12/31/201011.85112.43320

12/31/201112.43313.47636

12/31/201213.47614.22128

12/31/201314.22112.52928

12/31/201412.52912.53512

12/31/201512.53511.8359

3.05%

12/31/2009N/A11.81188

12/31/201011.81112.385100

12/31/201112.38513.41762

12/31/201213.41714.15276

12/31/201314.15212.46239

12/31/201412.46212.46239

12/31/201512.46211.76147

3.10%

12/31/2009N/A11.77246

12/31/201011.77212.33858

12/31/201112.33813.35975

12/31/201213.35914.08472

12/31/201314.08412.39511

12/31/201412.39512.38917

12/31/201512.38911.68617

3.15%

12/31/2009N/A11.7323

12/31/201011.73212.2913

12/31/201112.29113.30257

12/31/201213.30214.01623

12/31/201314.01612.3298

12/31/201412.32912.3179

12/31/201512.31711.61210

3.20%

12/31/2013N/A16.3840

12/31/201416.38416.3601

12/31/201516.36015.4162

3.25%

12/31/2013N/A16.2670

12/31/201416.26716.2350

12/31/201516.23515.2910

3.30%

12/31/2013N/A12.1330

12/31/201412.13312.1030

12/31/201512.10311.3940

3.35%

12/31/2013N/A16.0360

12/31/201416.03615.9890

12/31/201515.98915.0440

3.40%

12/31/2013N/A15.9220

12/31/201415.92215.8670

12/31/201515.86714.9220

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

101

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

PIMCO VIT StocksPLUS Global Portfolio

1.65%

12/31/2010N/A10.32020

12/31/201110.3209.672449

12/31/20129.67210.443521

12/31/201310.44312.244466

12/31/201412.24412.152375

12/31/201512.15210.876286

1.70%

12/31/2010N/A10.31612

12/31/201110.3169.664727

12/31/20129.66410.429718

12/31/201310.42912.221686

12/31/201412.22112.124535

12/31/201512.12410.845430

1.75%

12/31/2010N/A10.3131

12/31/201110.3139.65674

12/31/20129.65610.41544

12/31/201310.41512.19932

12/31/201412.19912.09526

12/31/201512.09510.81410

1.80%

12/31/2010N/A10.3093

12/31/201110.3099.648756

12/31/20129.64810.401721

12/31/201310.40112.176601

12/31/201412.17612.067561

12/31/201512.06710.783436

1.95%

12/31/2010N/A10.2996

12/31/201110.2999.624586

12/31/20129.62410.359565

12/31/201310.35912.109508

12/31/201412.10911.983398

12/31/201511.98310.692346

2.05%

12/31/2010N/A10.2920

12/31/201110.2929.608371

12/31/20129.60810.332367

12/31/201310.33212.065259

12/31/201412.06511.927211

12/31/201511.92710.631149

2.10%

12/31/2010N/A10.2894

12/31/201110.2899.600999

12/31/20129.60010.318871

12/31/201310.31812.043757

12/31/201412.04311.899667

12/31/201511.89910.601753

2.15%

12/31/2010N/A10.2851

12/31/201110.2859.59249

12/31/20129.59210.30448

12/31/201310.30412.02144

12/31/201412.02111.87144

12/31/201511.87110.57131

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.20%

12/31/2010N/A10.2822

12/31/201110.2829.5841048

12/31/20129.58410.2901042

12/31/201310.29011.998921

12/31/201411.99811.844817

12/31/201511.84410.541725

2.25%

12/31/2010N/A10.2780

12/31/201110.2789.576733

12/31/20129.57610.276700

12/31/201310.27611.976604

12/31/201411.97611.816511

12/31/201511.81610.511471

2.30%

12/31/2010N/A10.2750

12/31/201110.2759.5681

12/31/20129.56810.2632

12/31/201310.26311.9541

12/31/201411.95411.7881

12/31/201511.78810.4811

2.35%

12/31/2010N/A10.27113

12/31/201110.2719.5601293

12/31/20129.56010.2491251

12/31/201310.24911.9321072

12/31/201411.93211.761941

12/31/201511.76110.452880

2.40%

12/31/2010N/A10.2680

12/31/201110.2689.552571

12/31/20129.55210.235560

12/31/201310.23511.911495

12/31/201411.91111.733463

12/31/201511.73310.422435

2.45%

12/31/2010N/A10.2640

12/31/201110.2649.544357

12/31/20129.54410.222350

12/31/201310.22211.889255

12/31/201411.88911.706229

12/31/201511.70610.393228

2.50%

12/31/2010N/A10.2611

12/31/201110.2619.536880

12/31/20129.53610.208848

12/31/201310.20811.867780

12/31/201411.86711.679692

12/31/201511.67910.363663

2.55%

12/31/2010N/A10.2570

12/31/201110.2579.528614

12/31/20129.52810.194588

12/31/201310.19411.845556

12/31/201411.84511.651495

12/31/201511.65110.334451

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

102

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2010N/A10.2541

12/31/201110.2549.520378

12/31/20129.52010.181415

12/31/201310.18111.823354

12/31/201411.82311.624366

12/31/201511.62410.304348

2.65%

12/31/2010N/A10.2500

12/31/201110.2509.512618

12/31/20129.51210.167547

12/31/201310.16711.802469

12/31/201411.80211.597413

12/31/201511.59710.275387

2.70%

12/31/2010N/A10.2470

12/31/201110.2479.50493

12/31/20129.50410.15366

12/31/201310.15311.78050

12/31/201411.78011.57038

12/31/201511.57010.24639

2.75%

12/31/2010N/A10.2440

12/31/201110.2449.496142

12/31/20129.49610.140140

12/31/201310.14011.758146

12/31/201411.75811.543162

12/31/201511.54310.217154

2.80%

12/31/2010N/A10.2400

12/31/201110.2409.488173

12/31/20129.48810.126130

12/31/201310.12611.73799

12/31/201411.73711.51682

12/31/201511.51610.18882

2.85%

12/31/2010N/A10.2370

12/31/201110.2379.48078

12/31/20129.48010.11376

12/31/201310.11311.71555

12/31/201411.71511.48937

12/31/201511.48910.15937

2.90%

12/31/2010N/A10.23312

12/31/201110.2339.472138

12/31/20129.47210.099105

12/31/201310.09911.69498

12/31/201411.69411.462111

12/31/201511.46210.130118

2.95%

12/31/2010N/A10.2300

12/31/201110.2309.46470

12/31/20129.46410.08668

12/31/201310.08611.67260

12/31/201411.67211.43527

12/31/201511.43510.10227

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.00%

12/31/2010N/A10.2260

12/31/201110.2269.4571

12/31/20129.45710.0721

12/31/201310.07211.65116

12/31/201411.65111.40916

12/31/201511.40910.07317

3.05%

12/31/2013N/A11.46915

12/31/201411.46911.22530

12/31/201511.2259.90645

3.10%

12/31/2013N/A11.4480

12/31/201411.44811.1991

12/31/201511.1999.8781

3.15%

12/31/2013N/A11.4278

12/31/201411.42711.17215

12/31/201511.1729.85027

3.20%

12/31/2013N/A11.4054

12/31/201411.40511.1464

12/31/201511.1469.8222

3.25%

12/31/2013N/A11.3840

12/31/201411.38411.1200

12/31/201511.1209.7930

3.30%

12/31/2013N/A11.3630

12/31/201411.36311.0936

12/31/201511.0939.76512

3.35%

12/31/2013N/A11.3420

12/31/201411.34211.0670

12/31/201511.0679.7370

3.40%

12/31/2013N/A11.3200

12/31/201411.32011.0410

12/31/201511.0419.7100

PIMCO VIT Total Return Portfolio

1.65%

12/31/2007N/A14.69283

12/31/200814.69215.144164

12/31/200915.14416.993297

12/31/201016.99318.0712652

12/31/201118.07118.4184938

12/31/201218.41819.8557327

12/31/201319.85519.1475991

12/31/201419.14719.6405404

12/31/201519.64019.4064606

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

103

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2007N/A14.634558

12/31/200814.63415.077281

12/31/200915.07716.909528

12/31/201016.90917.9732580

12/31/201117.97318.3094031

12/31/201218.30919.7276253

12/31/201319.72719.0146260

12/31/201419.01419.4945909

12/31/201519.49419.2525579

1.75%

12/31/2009N/A16.37127

12/31/201016.37117.392277

12/31/201117.39217.709574

12/31/201217.70919.071859

12/31/201319.07118.372565

12/31/201418.37218.827474

12/31/201518.82718.583374

1.80%

12/31/2008N/A14.943292

12/31/200914.94316.7421092

12/31/201016.74217.7781173

12/31/201117.77818.0921299

12/31/201218.09219.4741408

12/31/201319.47418.7511390

12/31/201418.75119.2051383

12/31/201519.20518.9481212

1.95%

12/31/2007N/A14.3477

12/31/200814.34714.74435

12/31/200914.74416.494584

12/31/201016.49417.4891306

12/31/201117.48917.7712037

12/31/201217.77119.1002731

12/31/201319.10018.3642123

12/31/201418.36418.7801808

12/31/201518.78018.5001681

2.05%

12/31/2008N/A14.613189

12/31/200914.61316.331765

12/31/201016.33117.299758

12/31/201117.29917.561960

12/31/201217.56118.8541046

12/31/201318.85418.110702

12/31/201418.11018.502693

12/31/201518.50218.208765

2.10%

12/31/2007N/A14.1770

12/31/200814.17714.548308

12/31/200914.54816.251854

12/31/201016.25117.204886

12/31/201117.20417.4561249

12/31/201217.45618.7331354

12/31/201318.73317.9841026

12/31/201417.98418.364764

12/31/201518.36418.064685

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.15%

12/31/2008N/A14.4846

12/31/200914.48416.17064

12/31/201016.17017.11151

12/31/201117.11117.35347

12/31/201217.35318.61258

12/31/201318.61217.85942

12/31/201417.85918.22835

12/31/201518.22817.92015

2.20%

12/31/2007N/A14.0650

12/31/200814.06514.419484

12/31/200914.41916.0901080

12/31/201016.09017.0181121

12/31/201117.01817.2491051

12/31/201217.24918.4921033

12/31/201318.49217.735960

12/31/201417.73518.092856

12/31/201518.09217.778788

2.25%

12/31/2007N/A14.0100

12/31/200814.01014.355198

12/31/200914.35516.010713

12/31/201016.01016.925801

12/31/201116.92517.147802

12/31/201217.14718.373908

12/31/201318.37317.612861

12/31/201417.61217.958761

12/31/201517.95817.637704

2.30%

12/31/2009N/A15.93127

12/31/201015.93116.83320

12/31/201116.83317.04518

12/31/201217.04518.25521

12/31/201318.25517.49015

12/31/201417.49017.82418

12/31/201517.82417.49717

2.35%

12/31/2007N/A13.8990

12/31/200813.89914.227636

12/31/200914.22715.8522395

12/31/201015.85216.7412345

12/31/201116.74116.9442177

12/31/201216.94418.1372109

12/31/201318.13717.3681770

12/31/201417.36817.6911550

12/31/201517.69117.3581478

2.40%

12/31/2007N/A13.8440

12/31/200813.84414.164998

12/31/200914.16415.774626

12/31/201015.77416.650752

12/31/201116.65016.843724

12/31/201216.84318.020989

12/31/201318.02017.248520

12/31/201417.24817.560403

12/31/201517.56017.221479

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

104

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.45%

12/31/2007N/A13.7900

12/31/200813.79014.101275

12/31/200914.10115.696649

12/31/201015.69616.559785

12/31/201116.55916.743776

12/31/201216.74317.904784

12/31/201317.90417.128537

12/31/201417.12817.429462

12/31/201517.42917.084433

2.50%

12/31/2007N/A13.7350

12/31/200813.73514.038291

12/31/200914.03815.6181704

12/31/201015.61816.4691713

12/31/201116.46916.6431619

12/31/201216.64317.7891701

12/31/201317.78917.0091374

12/31/201417.00917.3001198

12/31/201517.30016.9491058

2.55%

12/31/2007N/A13.6810

12/31/200813.68113.97664

12/31/200913.97615.541358

12/31/201015.54116.379360

12/31/201116.37916.544333

12/31/201216.54417.674346

12/31/201317.67416.891243

12/31/201416.89117.171170

12/31/201517.17116.814129

2.60%

12/31/2007N/A13.6270

12/31/200813.62713.913356

12/31/200913.91315.4641021

12/31/201015.46416.2901194

12/31/201116.29016.4461270

12/31/201216.44617.5601235

12/31/201317.56016.774857

12/31/201416.77417.043767

12/31/201517.04316.681824

2.65%

12/31/2007N/A13.5730

12/31/200813.57313.851302

12/31/200913.85115.3871086

12/31/201015.38716.2011125

12/31/201116.20116.3481084

12/31/201216.34817.4471056

12/31/201317.44716.658844

12/31/201416.65816.917721

12/31/201516.91716.549621

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.70%

12/31/2007N/A13.5190

12/31/200813.51913.79053

12/31/200913.79015.311190

12/31/201015.31116.113191

12/31/201116.11316.251186

12/31/201216.25117.335160

12/31/201317.33516.542136

12/31/201416.54216.791127

12/31/201516.79116.41783

2.75%

12/31/2007N/A13.4660

12/31/200813.46613.72851

12/31/200913.72815.235471

12/31/201015.23516.025517

12/31/201116.02516.155455

12/31/201216.15517.223453

12/31/201317.22316.427383

12/31/201416.42716.666358

12/31/201516.66616.287417

2.80%

12/31/2007N/A13.4130

12/31/200813.41313.66756

12/31/200913.66715.160373

12/31/201015.16015.938392

12/31/201115.93816.059447

12/31/201216.05917.112486

12/31/201317.11216.313354

12/31/201416.31316.542310

12/31/201516.54216.158282

2.85%

12/31/2007N/A13.3600

12/31/200813.36013.60614

12/31/200913.60615.08552

12/31/201015.08515.85158

12/31/201115.85115.96358

12/31/201215.96317.00268

12/31/201317.00216.20054

12/31/201416.20016.41961

12/31/201516.41916.03094

2.90%

12/31/2007N/A13.3070

12/31/200813.30713.54636

12/31/200913.54615.010246

12/31/201015.01015.765295

12/31/201115.76515.868221

12/31/201215.86816.892222

12/31/201316.89216.088165

12/31/201416.08816.297186

12/31/201516.29715.902172

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

105

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.95%

12/31/2007N/A13.2540

12/31/200813.25413.48623

12/31/200913.48614.936133

12/31/201014.93615.679232

12/31/201115.67915.774250

12/31/201215.77416.784253

12/31/201316.78415.976186

12/31/201415.97616.176209

12/31/201516.17615.77690

3.00%

12/31/2008N/A13.4252

12/31/200913.42514.86228

12/31/201014.86215.59324

12/31/201115.59315.68038

12/31/201215.68016.67536

12/31/201316.67515.86522

12/31/201415.86516.05529

12/31/201516.05515.65132

3.05%

12/31/2009N/A14.788132

12/31/201014.78815.508140

12/31/201115.50815.587118

12/31/201215.58716.568118

12/31/201316.56815.75583

12/31/201415.75515.936122

12/31/201515.93615.527116

3.10%

12/31/2009N/A14.71542

12/31/201014.71515.42453

12/31/201115.42415.49424

12/31/201215.49416.46124

12/31/201316.46115.64619

12/31/201415.64615.81817

12/31/201515.81815.40417

3.15%

12/31/2009N/A14.6427

12/31/201014.64215.3408

12/31/201115.34015.40210

12/31/201215.40216.35529

12/31/201316.35515.53716

12/31/201415.53715.70025

12/31/201515.70015.28229

3.20%

12/31/2013N/A15.6400

12/31/201415.64015.7961

12/31/201515.79615.3682

3.25%

12/31/2013N/A15.5150

12/31/201415.51515.6620

12/31/201515.66215.2300

3.30%

12/31/2013N/A14.1300

12/31/201414.13014.2561

12/31/201514.25613.8565

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.35%

12/31/2013N/A15.2680

12/31/201415.26815.3980

12/31/201515.39814.9581

3.40%

12/31/2013N/A15.1470

12/31/201415.14715.2670

12/31/201515.26714.8230

PIMCO VIT Unconstrained Bond Portfolio

1.65%

12/31/2011N/A9.786691

12/31/20129.78610.3701579

12/31/201310.37010.0872640

12/31/201410.08710.2242419

12/31/201510.2249.8872082

1.70%

12/31/2011N/A9.782366

12/31/20129.78210.3621258

12/31/201310.36210.0731859

12/31/201410.07310.2051984

12/31/201510.2059.8642031

1.75%

12/31/2011N/A9.779204

12/31/20129.77910.353156

12/31/201310.35310.060276

12/31/201410.06010.186266

12/31/201510.1869.841132

1.80%

12/31/2011N/A9.77655

12/31/20129.77610.34498

12/31/201310.34410.046180

12/31/201410.04610.167163

12/31/201510.1679.81892

1.95%

12/31/2011N/A9.766120

12/31/20129.76610.318353

12/31/201310.31810.006945

12/31/201410.00610.112888

12/31/201510.1129.749825

2.05%

12/31/2011N/A9.75920

12/31/20129.75910.30134

12/31/201310.3019.979166

12/31/20149.97910.074123

12/31/201510.0749.704101

2.10%

12/31/2011N/A9.75622

12/31/20129.75610.29284

12/31/201310.2929.966100

12/31/20149.96610.056264

12/31/201510.0569.681103

2.15%

12/31/2011N/A9.7538

12/31/20129.75310.28415

12/31/201310.2849.95215

12/31/20149.95210.03715

12/31/201510.0379.65815

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

106

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.20%

12/31/2011N/A9.75024

12/31/20129.75010.27549

12/31/201310.2759.939134

12/31/20149.93910.01997

12/31/201510.0199.636128

2.25%

12/31/2011N/A9.74645

12/31/20129.74610.26748

12/31/201310.2679.92688

12/31/20149.92610.00180

12/31/201510.0019.61370

2.30%

12/31/2011N/A9.7430

12/31/20129.74310.2589

12/31/201310.2589.91310

12/31/20149.9139.98211

12/31/20159.9829.59110

2.35%

12/31/2011N/A9.74046

12/31/20129.74010.249118

12/31/201310.2499.899202

12/31/20149.8999.964119

12/31/20159.9649.568108

2.40%

12/31/2011N/A9.7364

12/31/20129.73610.24125

12/31/201310.2419.886124

12/31/20149.8869.94635

12/31/20159.9469.54638

2.45%

12/31/2011N/A9.7332

12/31/20129.73310.23212

12/31/201310.2329.873293

12/31/20149.8739.927279

12/31/20159.9279.524250

2.50%

12/31/2011N/A9.73039

12/31/20129.73010.224140

12/31/201310.2249.860184

12/31/20149.8609.909139

12/31/20159.9099.501104

2.55%

12/31/2011N/A9.7278

12/31/20129.72710.21516

12/31/201310.2159.84634

12/31/20149.8469.89147

12/31/20159.8919.47936

2.60%

12/31/2011N/A9.72328

12/31/20129.72310.20668

12/31/201310.2069.833368

12/31/20149.8339.873319

12/31/20159.8739.457221

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.65%

12/31/2011N/A9.72013

12/31/20129.72010.19816

12/31/201310.1989.820135

12/31/20149.8209.855112

12/31/20159.8559.43587

2.70%

12/31/2011N/A9.7171

12/31/20129.71710.1897

12/31/201310.1899.8073

12/31/20149.8079.8373

12/31/20159.8379.4133

2.75%

12/31/2011N/A9.7148

12/31/20129.71410.18124

12/31/201310.1819.79420

12/31/20149.7949.81818

12/31/20159.8189.39116

2.80%

12/31/2011N/A9.71019

12/31/20129.71010.17238

12/31/201310.1729.78135

12/31/20149.7819.80023

12/31/20159.8009.36923

2.85%

12/31/2011N/A9.7070

12/31/20129.70710.1640

12/31/201310.1649.7683

12/31/20149.7689.7825

12/31/20159.7829.3477

2.90%

12/31/2011N/A9.7046

12/31/20129.70410.15518

12/31/201310.1559.75560

12/31/20149.7559.76430

12/31/20159.7649.32535

2.95%

12/31/2011N/A9.70110

12/31/20129.70110.14710

12/31/201310.1479.74213

12/31/20149.7429.74716

12/31/20159.7479.30416

3.00%

12/31/2011N/A9.6970

12/31/20129.69710.1383

12/31/201310.1389.7299

12/31/20149.7299.7293

12/31/20159.7299.2820

3.05%

12/31/2011N/A9.6940

12/31/20129.69410.1302

12/31/201310.1309.71633

12/31/20149.7169.7110

12/31/20159.7119.2600

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

107

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.10%

12/31/2011N/A9.6910

12/31/20129.69110.1213

12/31/201310.1219.7030

12/31/20149.7039.6930

12/31/20159.6939.2380

3.15%

12/31/2011N/A9.6880

12/31/20129.68810.1130

12/31/201310.1139.6901

12/31/20149.6909.6751

12/31/20159.6759.2171

3.20%

12/31/2013N/A9.6720

12/31/20149.6729.6520

12/31/20159.6529.1910

3.25%

12/31/2013N/A9.6590

12/31/20149.6599.6350

12/31/20159.6359.1690

3.30%

12/31/2013N/A9.6460

12/31/20149.6469.6170

12/31/20159.6179.1481

3.35%

12/31/2013N/A9.6330

12/31/20149.6339.5990

12/31/20159.5999.1260

3.40%

12/31/2013N/A9.6200

12/31/20149.6209.5810

12/31/20159.5819.1050

RCM Dynamic Multi-Asset Plus VIT Portfolio

1.65%

12/31/2015N/A9.18518

1.70%

12/31/2015N/A9.18224

1.75%

12/31/2015N/A9.1790

1.95%

12/31/2015N/A9.1662

2.05%

12/31/2015N/A9.1600

Templeton Global Bond VIP Fund

1.65%

12/31/2007N/A30.93156

12/31/200830.93132.31256

12/31/200932.31237.72174

12/31/201037.72142.464606

12/31/201142.46441.4071362

12/31/201241.40746.8621918

12/31/201346.86246.8461962

12/31/201446.84646.9241868

12/31/201546.92444.1691652

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

1.70%

12/31/2007N/A30.65096

12/31/200830.65032.00293

12/31/200932.00237.340106

12/31/201037.34042.015511

12/31/201142.01540.9491122

12/31/201240.94946.3201613

12/31/201346.32046.2811943

12/31/201446.28146.3351930

12/31/201546.33543.5931883

1.75%

12/31/2009N/A36.9642

12/31/201036.96441.57042

12/31/201141.57040.495136

12/31/201240.49545.784149

12/31/201345.78445.722147

12/31/201445.72245.753177

12/31/201545.75343.024143

1.80%

12/31/2008N/A31.30671

12/31/200931.30636.492142

12/31/201036.49241.019194

12/31/201141.01939.938214

12/31/201239.93845.131233

12/31/201345.13145.048274

12/31/201445.04845.055286

12/31/201545.05542.347277

1.95%

12/31/2007N/A29.28215

12/31/200829.28230.49717

12/31/200930.49735.36389

12/31/201035.36339.690220

12/31/201139.69038.587424

12/31/201238.58743.538616

12/31/201343.53843.393588

12/31/201443.39343.335569

12/31/201543.33540.669641

2.05%

12/31/2008N/A29.78362

12/31/200929.78334.630198

12/31/201034.63038.828249

12/31/201138.82837.711306

12/31/201237.71142.508336

12/31/201342.50842.323290

12/31/201442.32342.225271

12/31/201542.22539.587135

2.10%

12/31/2007N/A28.4910

12/31/200828.49129.62886

12/31/200929.62834.433176

12/31/201034.43338.588187

12/31/201138.58837.460194

12/31/201237.46042.203188

12/31/201342.20341.999208

12/31/201441.99941.880190

12/31/201541.88039.244178

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

108

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.15%

12/31/2008N/A29.1945

12/31/200929.19433.91217

12/31/201033.91237.98518

12/31/201137.98536.85617

12/31/201236.85641.5014

12/31/201341.50141.2804

12/31/201441.28041.1434

12/31/201541.14338.5353

2.20%

12/31/2007N/A27.8230

12/31/200827.82328.905115

12/31/200928.90533.558213

12/31/201033.55837.571249

12/31/201137.57136.435266

12/31/201236.43541.007287

12/31/201341.00740.769248

12/31/201440.76940.612226

12/31/201540.61238.019202

2.25%

12/31/2007N/A27.7210

12/31/200827.72128.78435

12/31/200928.78433.402129

12/31/201033.40237.377174

12/31/201137.37736.229182

12/31/201236.22940.755199

12/31/201340.75540.497188

12/31/201440.49740.322184

12/31/201540.32237.728156

2.30%

12/31/2009N/A32.8621

12/31/201032.86236.7552

12/31/201136.75535.6090

12/31/201235.60940.0370

12/31/201340.03739.7640

12/31/201439.76439.5720

12/31/201539.57237.0080

2.35%

12/31/2007N/A27.0430

12/31/200827.04328.053105

12/31/200928.05332.520359

12/31/201032.52036.354395

12/31/201136.35435.202425

12/31/201235.20239.560415

12/31/201339.56039.271388

12/31/201439.27139.062345

12/31/201539.06236.512304

2.40%

12/31/2007N/A26.9710

12/31/200826.97127.96448

12/31/200927.96432.40190

12/31/201032.40136.203124

12/31/201136.20335.039152

12/31/201235.03939.357200

12/31/201339.35739.049131

12/31/201439.04938.822124

12/31/201538.82236.270110

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.45%

12/31/2007N/A26.5350

12/31/200826.53527.49869

12/31/200927.49831.84698

12/31/201031.84635.565121

12/31/201135.56534.404102

12/31/201234.40438.62492

12/31/201338.62438.30396

12/31/201438.30338.06180

12/31/201538.06135.54168

2.50%

12/31/2007N/A26.2850

12/31/200826.28527.22585

12/31/200927.22531.514285

12/31/201031.51435.176366

12/31/201135.17634.011338

12/31/201234.01138.164381

12/31/201338.16437.828332

12/31/201437.82837.570294

12/31/201537.57035.065230

2.55%

12/31/2007N/A26.2430

12/31/200826.24327.16829

12/31/200927.16831.43195

12/31/201031.43135.06697

12/31/201135.06633.88899

12/31/201233.88838.00792

12/31/201338.00737.65383

12/31/201437.65337.37875

12/31/201537.37834.86968

2.60%

12/31/2007N/A25.7920

12/31/200825.79226.68877

12/31/200926.68830.861204

12/31/201030.86134.413225

12/31/201134.41333.240223

12/31/201233.24037.261208

12/31/201337.26136.896216

12/31/201436.89636.608214

12/31/201536.60834.133165

2.65%

12/31/2007N/A25.5490

12/31/200825.54926.42356

12/31/200926.42330.539131

12/31/201030.53934.037165

12/31/201134.03732.861165

12/31/201232.86136.817175

12/31/201336.81736.438167

12/31/201436.43836.136146

12/31/201536.13633.676127

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

109

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.70%

12/31/2007N/A25.5330

12/31/200825.53326.39419

12/31/200926.39430.49056

12/31/201030.49033.96564

12/31/201133.96532.77541

12/31/201232.77536.70338

12/31/201336.70336.30738

12/31/201436.30735.98827

12/31/201535.98833.52124

2.75%

12/31/2007N/A25.0690

12/31/200825.06925.9019

12/31/200925.90129.90676

12/31/201029.90633.29869

12/31/201133.29832.11579

12/31/201232.11535.94691

12/31/201335.94635.54086

12/31/201435.54035.21085

12/31/201535.21032.78091

2.80%

12/31/2007N/A24.8330

12/31/200824.83325.64416

12/31/200925.64429.594100

12/31/201029.59432.934128

12/31/201132.93431.749138

12/31/201231.74935.518143

12/31/201335.51835.099153

12/31/201435.09934.756126

12/31/201534.75632.342112

2.85%

12/31/2007N/A24.8430

12/31/200824.84325.6422

12/31/200925.64229.5779

12/31/201029.57732.89917

12/31/201132.89931.69820

12/31/201231.69835.44420

12/31/201335.44435.00916

12/31/201435.00934.64916

12/31/201534.64932.22621

2.90%

12/31/2007N/A24.3670

12/31/200824.36725.1379

12/31/200925.13728.98150

12/31/201028.98132.21964

12/31/201132.21931.02863

12/31/201231.02834.677102

12/31/201334.67734.23460

12/31/201434.23433.86553

12/31/201533.86531.48151

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.95%

12/31/2007N/A24.1370

12/31/200824.13724.8883

12/31/200924.88828.67933

12/31/201028.67931.86853

12/31/201131.86830.67456

12/31/201230.67434.26463

12/31/201334.26433.81041

12/31/201433.81033.42934

12/31/201533.42931.06025

3.00%

12/31/2008N/A24.6410

12/31/200924.64128.3802

12/31/201028.38031.5205

12/31/201131.52030.3245

12/31/201230.32433.8567

12/31/201333.85633.3919

12/31/201433.39132.99818

12/31/201532.99830.6449

3.05%

12/31/2009N/A28.08421

12/31/201028.08431.17621

12/31/201131.17629.97825

12/31/201229.97833.45373

12/31/201333.45332.97723

12/31/201432.97732.57223

12/31/201532.57230.23422

3.10%

12/31/2009N/A27.79110

12/31/201027.79130.8359

12/31/201130.83529.6366

12/31/201229.63633.0557

12/31/201333.05532.5687

12/31/201432.56832.1529

12/31/201532.15229.8299

3.15%

12/31/2009N/A27.5022

12/31/201027.50230.4991

12/31/201130.49929.2982

12/31/201229.29832.6612

12/31/201332.66132.1644

12/31/201432.16431.7386

12/31/201531.73829.4305

3.20%

12/31/2013N/A31.0911

12/31/201431.09130.6632

12/31/201530.66328.4191

3.25%

12/31/2013N/A30.7050

12/31/201430.70530.2680

12/31/201530.26828.0390

3.30%

12/31/2013N/A30.9820

12/31/201430.98230.5262

12/31/201530.52628.2642

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

110

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.35%

12/31/2013N/A29.9480

12/31/201429.94829.4920

12/31/201529.49227.2920

3.40%

12/31/2013N/A29.5760

12/31/201429.57629.1110

12/31/201529.11126.9270

Templeton Growth VIP Fund

1.65%

12/31/2007N/A28.536245

12/31/200828.53616.189260

12/31/200916.18920.87730

12/31/201020.87722.05374

12/31/201122.05320.180168

12/31/201220.18024.030210

12/31/201324.03030.921206

12/31/201430.92129.559186

12/31/201529.55927.189142

1.70%

12/31/2007N/A28.340292

12/31/200828.34016.069378

12/31/200916.06920.712116

12/31/201020.71221.869151

12/31/201121.86920.001235

12/31/201220.00123.805313

12/31/201323.80530.616329

12/31/201430.61629.253303

12/31/201529.25326.894261

1.75%

12/31/2009N/A20.5500

12/31/201020.55021.6873

12/31/201121.68719.8258

12/31/201219.82523.5837

12/31/201323.58330.3168

12/31/201430.31628.9516

12/31/201528.95126.6045

1.80%

12/31/2008N/A15.833153

12/31/200915.83320.387261

12/31/201020.38721.504288

12/31/201121.50419.648279

12/31/201219.64823.361269

12/31/201323.36130.015203

12/31/201430.01528.650197

12/31/201528.65026.314156

1.95%

12/31/2007N/A27.37851

12/31/200827.37815.48551

12/31/200915.48519.90988

12/31/201019.90920.969117

12/31/201120.96919.130144

12/31/201219.13022.711153

12/31/201322.71129.136141

12/31/201429.13627.769131

12/31/201527.76925.467106

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.05%

12/31/2008N/A15.25747

12/31/200915.25719.59764

12/31/201019.59720.61970

12/31/201120.61918.79372

12/31/201218.79322.28862

12/31/201322.28828.56538

12/31/201428.56527.19741

12/31/201527.19724.91724

2.10%

12/31/2007N/A26.8170

12/31/200826.81715.145251

12/31/200915.14519.443526

12/31/201019.44320.446530

12/31/201120.44618.626481

12/31/201218.62622.079449

12/31/201322.07928.283369

12/31/201428.28326.916352

12/31/201526.91624.647378

2.15%

12/31/2008N/A15.0332

12/31/200915.03319.2905

12/31/201019.29020.2756

12/31/201120.27518.4611

12/31/201218.46121.8721

12/31/201321.87228.0040

12/31/201428.00426.6371

12/31/201526.63724.3790

2.20%

12/31/2007N/A26.4490

12/31/200826.44914.922257

12/31/200914.92219.138379

12/31/201019.13820.105380

12/31/201120.10518.297410

12/31/201218.29721.667365

12/31/201321.66727.728381

12/31/201427.72826.361373

12/31/201526.36124.115311

2.25%

12/31/2007N/A26.2670

12/31/200826.26714.812165

12/31/200914.81218.987357

12/31/201018.98719.937356

12/31/201119.93718.135359

12/31/201218.13521.464353

12/31/201321.46427.455273

12/31/201427.45526.088268

12/31/201526.08823.853218

2.30%

12/31/2009N/A18.8383

12/31/201018.83819.7704

12/31/201119.77017.9742

12/31/201217.97421.2632

12/31/201321.26327.1842

12/31/201427.18425.8181

12/31/201525.81823.5952

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

111

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.35%

12/31/2007N/A25.9070

12/31/200825.90714.594298

12/31/200914.59418.689513

12/31/201018.68919.605496

12/31/201119.60517.815466

12/31/201217.81521.064431

12/31/201321.06426.916397

12/31/201426.91625.551393

12/31/201525.55123.339362

2.40%

12/31/2007N/A25.7290

12/31/200825.72914.487139

12/31/200914.48718.542335

12/31/201018.54219.441339

12/31/201119.44117.657282

12/31/201217.65720.867251

12/31/201320.86726.651248

12/31/201426.65125.286245

12/31/201525.28623.085174

2.45%

12/31/2007N/A25.5510

12/31/200825.55114.380101

12/31/200914.38018.396151

12/31/201018.39619.278171

12/31/201119.27817.500154

12/31/201217.50020.672123

12/31/201320.67226.388104

12/31/201426.38825.02591

12/31/201525.02522.83573

2.50%

12/31/2007N/A25.3760

12/31/200825.37614.274233

12/31/200914.27418.251376

12/31/201018.25119.117368

12/31/201119.11717.345382

12/31/201217.34520.478364

12/31/201320.47826.128336

12/31/201426.12824.765284

12/31/201524.76522.587260

2.55%

12/31/2007N/A25.2010

12/31/200825.20114.16877

12/31/200914.16818.107209

12/31/201018.10718.957209

12/31/201118.95717.192195

12/31/201217.19220.286174

12/31/201320.28625.870152

12/31/201425.87024.509146

12/31/201524.50922.342127

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.60%

12/31/2007N/A25.0280

12/31/200825.02814.06463

12/31/200914.06417.965112

12/31/201017.96518.798154

12/31/201118.79817.039106

12/31/201217.03920.096100

12/31/201320.09625.615162

12/31/201425.61524.255182

12/31/201524.25522.100153

2.65%

12/31/2007N/A24.8550

12/31/200824.85513.960104

12/31/200913.96017.823213

12/31/201017.82318.640201

12/31/201118.64016.888197

12/31/201216.88819.908199

12/31/201319.90825.363156

12/31/201425.36324.004151

12/31/201524.00421.860140

2.70%

12/31/2007N/A24.6840

12/31/200824.68413.85710

12/31/200913.85717.68343

12/31/201017.68318.48441

12/31/201118.48416.73840

12/31/201216.73819.72236

12/31/201319.72225.11332

12/31/201425.11323.75626

12/31/201523.75621.62322

2.75%

12/31/2007N/A24.5150

12/31/200824.51513.75518

12/31/200913.75517.54461

12/31/201017.54418.33044

12/31/201118.33016.59051

12/31/201216.59019.53744

12/31/201319.53724.86565

12/31/201424.86523.51092

12/31/201523.51021.388107

2.80%

12/31/2007N/A24.3460

12/31/200824.34613.65330

12/31/200913.65317.40658

12/31/201017.40618.17637

12/31/201118.17616.44340

12/31/201216.44319.35443

12/31/201319.35424.62035

12/31/201424.62023.26629

12/31/201523.26621.15618

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

112

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

2.85%

12/31/2007N/A24.1780

12/31/200824.17813.5525

12/31/200913.55217.26840

12/31/201017.26818.02437

12/31/201118.02416.29729

12/31/201216.29719.17326

12/31/201319.17324.37733

12/31/201424.37723.02540

12/31/201523.02520.92740

2.90%

12/31/2007N/A24.0120

12/31/200824.01213.45219

12/31/200913.45217.13231

12/31/201017.13217.87333

12/31/201117.87316.15333

12/31/201216.15318.99331

12/31/201318.99324.13729

12/31/201424.13722.78748

12/31/201522.78720.70051

2.95%

12/31/2007N/A23.8470

12/31/200823.84713.35315

12/31/200913.35316.99825

12/31/201016.99817.72426

12/31/201117.72416.00926

12/31/201216.00918.81633

12/31/201318.81623.89933

12/31/201423.89922.55129

12/31/201522.55120.47525

3.00%

12/31/2008N/A13.2550

12/31/200913.25516.8642

12/31/201016.86417.5750

12/31/201117.57515.8670

12/31/201215.86718.6390

12/31/201318.63923.6637

12/31/201423.66322.31711

12/31/201522.31720.25313

M&E Charge	Period or Year Ended	AUV at Beginning of Period	AUV at End of Period	Number of Accumulation Units Outstanding at End of Period
Investment Option

3.05%

12/31/2009N/A16.7311

12/31/201016.73117.4280

12/31/201117.42815.7270

12/31/201215.72718.4650

12/31/201318.46523.43012

12/31/201423.43022.08620

12/31/201522.08620.03325

3.10%

12/31/2009N/A16.5990

12/31/201016.59917.2820

12/31/201117.28215.5870

12/31/201215.58718.2920

12/31/201318.29223.1990

12/31/201423.19921.8580

12/31/201521.85819.8161

3.15%

12/31/2009N/A16.4681

12/31/201016.46817.1370

12/31/201117.13715.4490

12/31/201215.44918.1210

12/31/201318.12122.9709

12/31/201422.97021.63116

12/31/201521.63119.60111

3.20%

12/31/2013N/A23.8283

12/31/201423.82822.4283

12/31/201522.42820.3124

3.25%

12/31/2013N/A23.5931

12/31/201423.59322.1951

12/31/201522.19520.0921

3.30%

12/31/2013N/A22.2970

12/31/201422.29720.9664

12/31/201520.96618.9708

3.35%

12/31/2013N/A23.1290

12/31/201423.12921.7384

12/31/201521.73819.6584

3.40%

12/31/2013N/A22.9010

12/31/201422.90121.5120

12/31/201521.51219.4450

Allianz Vision^SM Variable Annuity Statement of Additional Information – October 17, 2016

113

PART C – OTHER INFORMATION

ITEM 24. FINANCIAL STATEMENTS AND EXHIBITS

a.	Financial Statements
The following financial statements of the Company are incorporated by reference as exhibit EX-99.A. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.
1.	Report of Independent Registered Public Accounting Firm
2.	Consolidated Balance Sheets – December 31, 2015 and 2014
3.	Consolidated Statements of Operations – Years ended December 31, 2015, 2014, and 2013
4.	Consolidated Statements of Comprehensive Income (Loss) – Years ended December 31, 2015, 2014, and 2013
5.	Consolidated Statements of Stockholder's Equity – Years ended December 31, 2015, 2014, and 2013
6.	Consolidated Statements of Cash Flows – Years ended December 31, 2015, 2014, and 2013
7.	Notes to Consolidated Financial Statements – December 31, 2015 and 2014
8.	Supplemental Schedules:
	–		Schedule I – Summary of Investments – Other than Investments in Related Parties
	–		Schedule II – Supplementary Insurance Information
	–		Schedule III – Reinsurance
The following financial statements of the Variable Account are incorporated by reference as exhibit EX-99.A. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.
1.	Report of Independent Registered Public Accounting Firm
2.	Statements of Assets and Liabilities – December 31, 2015
3.	Statements of Operations – For the year ended December 31, 2015
4.	Statements of Changes in Net Assets – For the year ended December 31, 2015 and 2014
5.	Notes to the Financial Statements – December 31, 2015
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-S40776-01 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.
	d.		Schedule Page-S40841 for Income Focus (01.12) incorporated by reference as exhibit EX-99.B4.d. from Post-Effective Amendment No. 3 to Registrant's Form N-4 (File Nos. 333-171427 and 811-05618), electronically filed on December 20, 2011.
	e.		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.
	f.		Schedule Page- Investment Options-S40843 for Income Focus (01.12) incorporated by reference as exhibit EX-99.B4.f. from Post-Effective Amendment No. 3 to Registrant's Form N-4 (File Nos. 333-171427 and 811-05618), electronically filed on December 20, 2011.
	g.		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.
	h.		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..
	i.		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.
	j.		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.
	k.		Investment Protector (08.09) Rider-S40800 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.
	l.		Income Focus (01.12) Rider -S40840 incorporated by reference as exhibit EX-99.B4.i. from Post-Effective Amendment No. 3 to Registrant's Form N-4 (File Nos. 333-171427 and 811-05618), electronically filed on December 20, 2011.
	m.		Income Focus Charge Lock Option Rider-S40881 and Contract Schedule-S40883 incorporated by reference as exhibit EX-99.B4.f. 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.
	n.		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.
	o.		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.
	p.		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.
	q.		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.
	r.		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.
	s.		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.
	t.		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.
	u.		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-F60000 incorporated by reference as exhibit EX-99.B5.a. from Registrant's initial filing on Form N-4 (File Nos. 333-171427 and 811-05618), electronically filed on December 27, 2010.
	b.		Application for Ind. Var. Annuity Contract-F60001 incorporated by reference as exhibit EX-99.B5.b. from Post-Effective Amendment No. 3 to Registrant's Form N-4 (File Nos. 333-171427 and 811-05618), electronically filed on December 20, 2011.
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.	-		Amendment  to Participation Agreement pursuant to the requirements of Rule 498 for Summary Prospectus between Davis Variable Account Fund, Inc., Davis Distributors, LLC and Allianz Life Insurance Company of North America dated 9/3/2015, incorporated by reference as exhibit EX-99.B8.g. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.
	h.	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.
	i.	-		Amendment  to Participation Agreement pursuant to the requirements of Rule 498 for Summary Prospectus between Fidelity Distributors Corporation and Allianz Life Insurance Company of North America, dated 9-1-2015, incorporated by reference as exhibit EX-99.B8.i. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.
	j.	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.
	k.	-		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.
	l.	-		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.
	m.	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.
	n.	-		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.
	o.	-		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.
	p.	-		Amendment  to Participation Agreement pursuant to the requirements of Rule 498 for Summary Prospectus 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 9/1/2015, incorporated by reference as exhibit EX-99.B8.p. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016..
	q.	Participation Agreement between Allianz Life Insurance Company of North America, JPMorgan Insurance Trust, JPMorgan Investment Advisers Inc., JPMorgan Investment Management Inc., and JPMorgan Funds Management Inc., dated April 24, 2009 incorporated by reference as exhibit EX-99.B8.v. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-180720 and 811-05618) electronically filed on July 27, 2012.
	r.	-		Amendment to Participation Agreement between Allianz Life Insurance Company of North America, JPMorgan Insurance Trust, JPMorgan Investment Advisers Inc., JPMorgan Investment Management Inc., and JPMorgan Funds Management Inc., dated July 1, 2012 incorporated by reference as exhibit EX-99.B8.aa. from Post-Effective Amendment No. 5 to Registrant's Form N-4 (File Nos. 333-166408 and 811-05618) electronically filed on April 24, 2013.
	s.	-		Amendment  to Participation Agreement pursuant to the requirements of Rule 498 for Summary Prospectus between JPMorgan Insurance Trust, J. P. Morgan Investment Management Inc., JPMorgan Funds Management, Inc., and Allianz Life Insurance Company of North America, dated 9/1/2015, incorporated by reference as exhibit EX-99.B8.s. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.
	t.	Service Agreement between Allianz Life Insurance Company of North America, JPMorgan Investment Advisers Inc., and JPMorgan Investment Management Inc., dated April 24, 2009 incorporated by reference as exhibit EX-99.B8.w. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-180720 and 811-05618) electronically filed on July 27, 2012.
	u.	Participation Agreement between Allianz Life Insurance Company of North America, MFS Variable Insurance Trust, MFS Variable Insurance Trust II and MFS Fund Distributors, Inc., dated August 1, 2012 incorporated by reference as exhibit EX-99.B8.ag. from Post-Effective Amendment No. 5 to Registrant's Form N-4 (File Nos. 333-166408 and 811-05618) electronically filed on April 24, 2013.
	v.	-		Fund/SERV and Networking Supplement to Participation Agreement between Allianz Life Insurance Company of North America, MFS Variable Insurance Trust, MFS Variable Insurance Trust II and MFS Fund Distributors, Inc., dated August 1, 2012 incorporated by reference as exhibit EX-99.B8.ah. from Post-Effective Amendment No. 5 to Registrant's Form N-4 (File Nos. 333-166408 and 811-05618) electronically filed on April 24, 2013.
	w.	-		Amendment  to Participation Agreement pursuant to the requirements of Rule 498 for Summary Prospectus between MFS Variable Insurance Trust, MFS Variable Insurance Trust II, MFS Fund Distributors, Inc., and Allianz Life Insurance Company of North America, dated 9/1/2015, incorporated by reference as exhibit EX-99.B8.w. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.
	x.	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.
	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.	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.
	aa.	-		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.
	ab.	-		Amendment dated May 1, 2011 to the Participation Agreement dated December 1, 1999, between Allianz Life Insurance Company of North America, PIMCO Variable Insurance Trust, and PIMCO Investments LLC, incorporated by reference as exhibit EX-99.B8.p. from Post-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-171427 and 811-05618), electronically filed on October 17, 2011.
	ac.	-		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.
	ad.	-		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.
	ae.	-		Amendments to Participation Agreement pursuant to the requirements of Rule 498 for Summary Prospectus between PIMCO Variable Insurance Trust, PIMCO Equity Series VI, PIMCO Investments LLC, and Allianz Life Insurance Company of North America, dated 10/12/2015, incorporated by reference as exhibit EX-99.B8.ae. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.
	af.	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..
	ag.	-		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.
	ah.	-		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.
	ai.	-		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.
	aj.	-		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.
	ak.	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.
	al.	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.
	am.	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.
	an.	-		Amendment dated March 5, 2015 to Shareholder Services Agreement between Allianz Global Investors Distributors LLC and Allianz Life Financial Services, LLC,  incorporated by reference as exhibit EX-99.B8.ab. from Post-Effective Amendment No. 13 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 13, 2015.
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-Giulio Terzariol, incorporated by reference as exhibit EX-99.B13. from Pre-Effective Amendment No.1 to Registrant's Form N-4/A (File Nos. 333-171427 and 811-05618), electronically filed on April 7, 2011.
	b.		Power of Attorney-Walter R. White, incorporated by reference as exhibit EX-99.B13.b. from Post-Effective Amendment No. 6 to Registrant's Form N-4 (File Nos. 333-171427 and 811-05618) electronically filed on February 16, 2012.
	c.		Power of Attorney-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.
	d.		Power of Attorney-Jay S. Ralph, 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.
	e.		Power of Attorney-Udo Frank and William E. Gaumond, incorporated by reference as exhibit EX-99.B13.d. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618) electronically filed on April 19, 2016.
**	To be filed by amendment

ITEM 25. DIRECTORS AND OFFICERS OF THE DEPOSITOR

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
William E. Gaumond	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
Todd M. Hedtke	Senior Vice President, Chief Investment Officer
Cathy A. Mahone	Senior Vice President, Chief Administrative Officer
Nancy E. Jones	Senior Vice President, Chief Marketing Officer
Brent M. Hipsher	Vice President, Controller
Patrick L. Nelson	Vice President, Chief Suitability Officer
Jay S. Ralph Koeniginstrasse 28 Munich 80802 Germany	Director and Chairman of the Board
Udo Frank 8 Camino Del Diablo Orinda, CA 94563	Director
Ronald M. Clark 14401 N. Giant Saquaro Place Oro Valley, AZ 85755	Director
David L. Conway 1043 Thornberry Creek Drive Oneida, WI 54155	Director

ITEM 26. PERSONS CONTROLLED BY OR UNDER COMMON CONTROL WITH THE DEPOSITOR OR REGISTRANT

The Insurance Company organizational chart is incorporated by reference from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618), electronically filed on April 19, 2016.

ITEM 27. NUMBER OF CONTRACT OWNERS

As of June 30, 2016, there were 100,512 qualified and 38,224 non-qualified Allianz Vision Contract Owners with Contracts in the Separate Account.

ITEM 28. INDEMNIFICATION

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.

ITEM 29. PRINCIPAL UNDERWRITERS

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, President and Chief Manager
Thomas Burns		Governor
Catherine A. Mahone		Governor
William E. Gaumond		Governor
Jeffrey P. Pruitt		Vice President, Chief Compliance Officer
Jennifer D. Presnell		Chief Financial Officer and Treasurer
Corey Walther		Chief Operating Officer
Kristine M. Lord-Krahn		Chief Legal Officer and Secretary
Jennifer Sosniecki		Money Laundering Prevention Officer
Tracy M. Haddy		Assistant Secretary
For the period 1-1-2015 to 12-31-2015
Name of Principal Underwriter	Net Underwriting Discounts and Commissions	Compensation on Redemption	Brokerage Commissions	Compensation
Allianz Life Financial Services, LLC	$224,176,680.19	$0	$0	$0
The $224,176,680.19 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.

ITEM 30. LOCATION OF ACCOUNTS AND RECORDS

Allianz Life Insurance Company of North America, at 5701 Golden Hills Drive, Minneapolis, Minnesota 55416, maintains physical possession of the accounts, books or documents of the Variable Account required to be maintained by Section 31(a) of the Investment Company Act of 1940, as amended, and the rules promulgated thereunder.

ITEM 31. MANAGEMENT SERVICES

Not Applicable

ITEM 32. UNDERTAKINGS

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.

REPRESENTATIONS

Allianz Life Insurance Company of North America ("Company") hereby represents that the fees and charges deducted under the Contract in the aggregate, are reasonable in relation to the services rendered, the expenses to be incurred and the risks assumed by the Company.

The Company hereby represents that it is relying upon a No Action Letter issued to the American Council of Life Insurance, dated November 28, 1988 (Commission ref. IP-6-88), and that the following provisions have been complied with:

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.

SIGNATURES

As required by the Securities Act of 1933 and the Investment Company Act of 1940, as amended, Allianz Life Insurance Company of North America on behalf of the Registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereto duly authorized in the City of Minneapolis and State of Minnesota, on this 19th day of July, 2016.

ALLIANZ LIFE VARIABLE ACCOUNT B (Registrant)

By: ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA (Depositor)

By: /s/ STEWART D. GREGGStewart D. Gregg Senior Securities Counsel

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA (Depositor)

By: WALTER R. WHITE⁽²⁾Walter R. White President and Chief Executive Officer

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated on the 19th day of July, 2016.

Signature	Title
Giulio Terzariol(1)	Director
Walter R. White(2)	Director, President & Chief Executive Officer
Ronald M. Clark(3)	Director
David L. Conway(3)	Director
Jay S. Ralph(4)	Director and Chairman of the Board
Udo Frank(5)	Director
William E. Gaumond(5)	Director, Senior Vice President and Chief Financial Officer

(1) By Power of Attorney incorporated by reference as exhibit EX-99.B13 from Pre-Effective Amendment No.1 to Registrant's Form N-4/A (File Nos. 333-171427 and 811-05618), electronically filed on April 7, 2011.

(2) By Power of Attorney incorporated by reference as exhibit EX-99.B13.b from Post-Effective Amendment No. 6 to Registrant's Form N-4 (File Nos. 333-171427 and 811-05618), electronically filed on February 16, 2012.

(3) 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.

(4) 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. 333-182987 and 811-05618) electronically filed on February 13, 2015.

(5) By Power of Attorney incorporated by reference as exhibit EX-99.B13.d. from Post-Effective Amendment No. 14 to Registrant's Form N-4 (File Nos. 333-182987 and 811-05618) electronically filed on April 19, 2016.

By: /s/ STEWART D. GREGGStewart D. Gregg Senior Securities Counsel

EXHIBITS TO POST-EFFECTIVE AMENDMENT NO. 25 TO FORM N-4

(FILE NOS. 333-171427 AND 811-05816)

ALLIANZ LIFE VARIABLE ACCOUNT B

ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA

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)