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Variable Annuity
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Nirmala
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Allianz Life Insurance Company of North America
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Death Benefits
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Heritage Account Death Benefit
Edit Death Benefit
Death Benefit
Benefit Name
Internal Benefit Name
Inception Date
Closed Date
Rider Select Rule
Default
Mandatory
Optional
Based On Life
Annuitant
Owner
Owner (or Annuitant if owner is a natural entity)
Owner (or Annuitant if owner is a non-natural person)
Owner and Annuitant
Min Age
Max Age
Waiting Period
Waiting Term
Select
Age
Contract year
Days
Months
Years
Version Begin Date
Maximum Benefit Base
Maximum Benefit Base %
With Reduce Benefit Base
Select
Dollar for Dollar
Proportionally
DTCC Rider ID
Notes
Version Note
Benefit Description
Available during accumulation phase. Benefit will be greater of - 1) Heritage Account Value; or 2) Heritage Base. Heritage Base is equal to purchase payment allocations and transfers into heritage account, adjusted for withdrawals and transfers out of the heritage account. Withdrawals and transfers out of the heritage account will reduce the heritage base by greater of the percentage of Heritage Account Value taken, or the dollar amount taken. Heritage account value is available by taking withdrawals, or annuity payments. Entire contract value must be in heritage account before annuity payments begin. On each quarterly anniversary the heritage account fee can increase up to a maximum of 1.75% or it can decrease to as low as 0.25%, Issuer cannot increase or decrease the fee more than 0.25% in any twelve-month period. Owner must select an Asset Allocation Program.
Other Info
Cancellation
Once elected may not be cancelled.
Termination
Once elected may not be terminated.
Available When Added
No longer available for new purchases.
Effect Change Ownership
Contact Issuer for details.
Exclude Premium Bonus
Terminated
Single Life
Joint Life
Spousal Continuation Option
Spousal Continuation Option
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