Form 497VPU ALLIANZ LIFE INSURANCE
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E-mailIndex Advantage+ NF® ANNUITY CONTRACT
Issued by Allianz Life Insurance Company of North America (Allianz Life, we, us, our)
Updating Summary Prospectus
This Summary Prospectus summarizes key features of an individual flexible purchase
payment index-linked and variable deferred annuity contract (Contract). The Contract is a complex investment and involves risks. You may lose money, including your principal investment and previously credited earnings.
The Statutory Prospectus for the Contract contains more information about the Contract,
including its features, benefits, and risks. You can find this Statutory Prospectus and other information about the
Contract online at https://www.allianzlife.com/what-we-offer/annuities/prospectuses. You can also obtain this information at no cost by calling (800) 624-0197 or by sending an email request to [email protected].
Each available Index Option offers a certain level of protection against Index losses
used in the calculation of Performance Credits. Certain Index Options offer complete protection from Index losses. Other
Index Options have a Buffer or Floor feature that provides limited protection from Index losses.
●
We currently offer Index Options with Buffers ranging from 10% to 30% or with a Floor
of -10%. If there is poor Index performance, you could lose up to 70% to 90% of your investment in an Index
Option with a Buffer after taking into account the Buffer protection and up to 10% of your investment in an Index
Option with a Floor after taking into account the Floor protection. Cumulative losses over the life of
the Contract could be greater.
●
The current limit on Index loss for an Index Option will not change for the life of
that Index Option. However, we reserve the right to add new Index Options, as well as close Index Options to new
Purchase Payments and transfers. As such, the limits on Index loss offered under the Contract may change from one Term
to the next if we add an Index Option or discontinue accepting new allocations into an Index Option.
●
If we offer a new Index Option with a Buffer or Floor in the future, the Buffer or
Floor will be no lower than 5% or -25%, respectively.
●
At least one Index Option with a Buffer no lower than 5% or Floor no lower than -25%,
or an Index Option that provides complete protection from Index losses, will always be available for renewal
under the Contract.
Each available Index Option also has an upside feature, either a Trigger Rate, Cap,
and/or Participation Rate, used in the calculation of Performance Credits.
●
We may limit the amount you can earn on an Index Option based on the Trigger Rate,
Cap, or Participation Rate, as applicable.
●
The lowest Trigger Rate, Cap, and Participation Rate that we may establish if we add
a new Index Option to the Contract are 0.05%, 0.10%, and 5.00%, respectively.
This Contract is not a short-term investment and is not appropriate if you need ready
access to cash. Withdrawals could result in withdrawal charges, negative Daily Adjustments, taxes, and tax penalties.
The maximum potential loss from a negative Daily Adjustment is either -99% or -35% depending on the Index
Option.
All obligations and guarantees under the Contract, including Performance Credits,
are the obligations of Allianz Life and are subject to our claims-paying ability and financial strength.
The Securities and Exchange Commission (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.
Additional information about certain investment products, including index-linked and
variable annuities, has been prepared by the SEC’s staff and is available at https://www.investor.gov.
Dated: September 25, 2026
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
1
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.
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NOTE: Cross references in this Updating Summary Prospectus are to the sections of
the Statutory Prospectus
where you can find more detailed information.
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Accumulation Phase – the first phase of your Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.
Annuity Phase – the phase the Contract is in once Annuity Payments begin.
Buffer – for each Index Option with the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy, this is the negative Index Return that we absorb over the duration of a
Term (which can be either one, three, or six years) before applying a negative Performance Credit. We do not apply the Buffer annually on a 3-year or 6-year Term Index Option. The Index Precision Strategy Buffer is 10%, and Index Performance Strategy
and Index Dual Precision Strategy Buffers are either 10%, 20%, or 30%. Buffers do not change. Restrictions
on the availability of the Buffers are discussed in Appendix A – Investment Options Available Under the Contract and in Appendix E – Material Contract Variations by State and Issue Date.
Business Day – each day on which the New York Stock Exchange is open for trading. Allianz Life is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular
trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.
Cap – for any Index Option with the Index Performance Strategy, or Index Guard Strategy, this is the upper limit on positive Index performance after application of any Participation Rate over the duration
of a Term (which can be either one, three, or six years) and the maximum potential Performance Credit for an Index
Option. We do not apply the Cap annually on a 3-year or 6-year Term Index Option. On each Term Start Date, we set
a Cap for each Index Option with the Index Performance Strategy, and Index Guard Strategy. The Caps applicable to your
Contract are shown on the Index Options Statement.
Charge Base – the Contract Value on the preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract Anniversary),
increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals
you take (including any withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals
you take reduce the Charge Base, even Penalty-Free Withdrawals. We use the Charge Base to determine the next
rider fee we deduct if you select the Maximum Anniversary Value Death Benefit.
Contract – the individual flexible purchase payment index-linked and variable deferred annuity contract described by this prospectus. The Contract may also be referred to as a registered index-linked annuity, or “RILA”.
Contract Value – the current value of the Purchase Payments you invest. On any Business Day, your Contract Value is the sum of your Index Option Value(s) and Variable Account Value. Variable Account Value
fluctuates each Business Day that money is in the Variable Option. Index Option Value is increased or decreased
on each Term End Date to reflect Performance Credits, which can be negative with the Index Dual Precision Strategy, Index
Precision Strategy, Index Guard Strategy, and Index Performance Strategy. A negative Performance Credit means that you can lose principal and previous earnings. The Index Option Values also reflect the Daily Adjustment on every Business Day other
than the Term Start Date or Term End Date. All withdrawals you take reduce Contract Value dollar
for dollar, even Penalty-Free Withdrawals. Contract Value is also reduced dollar for dollar for deductions we make
for Contract fees and expenses. However, Contract Value does not reflect future fees and expenses we would apply on
surrender. The Cash Value reflects all Contract fees and expenses we would apply on surrender (including any withdrawal
charge), as well as any applicable Daily Adjustment.
Contract Year – any period of twelve months beginning on the Issue Date or a subsequent Contract Anniversary.
Crediting Method – a method we use to calculate Performance Credits for the Index Options.
Daily Adjustment – how we calculate Index Option Values on days other than the Term Start Date or Term End Date as discussed in section 7, Expenses and Adjustments – Daily Adjustment; and Appendix C. The Daily Adjustment
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
3
approximates the Index Option Value that will be available on the Term End Date. It
is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment
for the Index Protection Strategy with Trigger cannot be negative.
Early Reallocation – a feature that allows you to move all assets out of the Variable Option on days other than an Index Anniversary, and/or from locked Index Options on days other than an Index Anniversary
or a Term End Date. Early Reallocation from the Variable Option is not available prior to October 13, 2026.
Financial Professional – the person who advises you regarding the Contract.
Floor – for any Index Option with the Index Guard Strategy, this is the maximum amount of negative Index Return you absorb as a negative Performance Credit. The Floors are -10% and do not change.
Fund – the AZL Government Money Market Fund, the underlying fund in which the Variable Option invests.
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.
Guaranteed Death Benefit Value – the guaranteed value that is available to your Beneficiary(ies) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death Benefit Value
is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge)
if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value
Death Benefit. All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free
Withdrawals. However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees
and expenses. These deductions will, however, reduce the Contract Value we use to calculate the Maximum Anniversary Value.
Index (Indexes) – one (or more) of the nationally recognized third-party broad based equity securities price return Indexes or exchange-traded fund available to you under your Contract as described in Appendix
B.
Index Anniversary – a twelve-month anniversary of the Index Effective Date or any subsequent Index Anniversary.
Index Dual Precision Strategy – one of the Crediting Methods described in section 4, Index Options. This Crediting Method offers 1-year, 3-year, and 6-year Terms. The Index Dual Precision Strategy
calculates Performance Credits based on Index Returns subject to a Trigger Rate and a 10%, 20%, or 30% Buffer. This Crediting
Method provides a positive Performance Credit for negative market movements when the loss is less than or equal
to the applicable 10%, 20%, or 30% Buffer. However, you can still receive negative Performance Credits under this Crediting
Method when the Index Return is negative and extends beyond the Buffer, which means you can lose principal and previous
earnings. Significant losses beyond the 10%, 20%, or 30% Buffer for the Index Dual Precision Strategy can result
in substantial loss of principal and previous earnings. Restrictions on the availability of the Index Dual Precision Strategy
Index Options are discussed in Appendix A – Investment Options Available Under the Contract and in Appendix E – Material Contract Variations by State and Issue Date.
Index Effective Date – the first day we allocate assets to an Index Option. The Index Effective Date is stated on the Index Options Statement and starts the first Index Year. When you purchase this Contract
you select the Index Effective Date as discussed in section 3, Purchasing the Contract – Allocation of Purchase Payments and Contract Value Transfers.
Index Guard Strategy – one of the Crediting Methods described in section 4, Index Options. The Index Guard Strategy calculates Performance Credits based on Index Returns subject to a Cap and -10% Floor.
You can receive negative Performance Credits under this Crediting Method, which means you can lose principal
and previous earnings.
Index Option(s) – the index-linked investments available to you under the Contract. Each Index Option is the combination of an Index, a Crediting Method, a Term length, and any applicable Buffer or Floor
amount.
Index Option Base – an amount we use to calculate Performance Credits and the Daily Adjustment. The Index Option Base is initially equal to the amounts you allocate to an Index Option. We reduce
the Index Option Base proportionately
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
4
for withdrawals you take (including any withdrawal charge), and deductions we make
for Contract fees and expenses. We increase/decrease it by the dollar amount of additional Purchase Payments allocated
to the Index Option, transfers into or out of the Index Option, and any Performance Credits.
Index Option Value – on any Business Day, it is equal to the portion of your Contract Value in a particular Index Option. We establish an Index Option Value for each Index Option you select. Each Index Option
Value includes any Performance Credits from previous Term End Dates and reflects proportional reductions for previous
partial withdrawals you take (including any withdrawal charge), and previous deductions we made for Contract fees
and expenses. On each Business Day, other than the Term Start Date or Term End Date, the Index Option Values also
include an increase/decrease from the Daily Adjustment.
Index Performance Strategy – one of the Crediting Methods described in section 4, Index Options. This Crediting Method offers 1-year, 3-year, and 6-year Terms. The Index Performance Strategy calculates
Performance Credits based on Index Returns subject to any applicable Participation Rate, Cap, and a 10%, 20%, or
30% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal
and previous earnings. Restrictions on the availability of the Index Performance Strategy Index Options are discussed in Appendix A – Investment Options Available Under the Contract and in Appendix E – Material Contract Variations by State and Issue Date.
Index Precision Strategy – one of the Crediting Methods described in section 4, Index Options. The Index Precision Strategy calculates Performance Credits based on Index Values and Index Returns subject
to the Trigger Rate and 10% Buffer. You can receive negative Performance Credits under this Crediting Method,
which means you can lose principal and previous earnings.
Index Protection Strategy with Trigger – one of the Crediting Methods described in section 4, Index Options. The Index Protection Strategy with Trigger provides Performance Credits equal to the Trigger
Rate on the Term End Date if the current Index Value is equal to or greater than the Index Value on the Term Start
Date. The Index Protection Strategy with Trigger does not allow negative Performance Credits.
Index Return – the percentage change in Index Value from the Term Start Date to the Term End Date, which we use to determine the Performance Credits. The Index Return is the Index Value on the Term
End Date, minus the Index Value on the Term Start Date, divided by the Index Value on the Term Start Date. This method
of calculation is also referred to as “point-to-point”.
Index Value – an Index’s closing market price at the end of the Business Day on the Term Start Date and Term End Date as provided by Bloomberg or another market source if Bloomberg is not available.
Index Year – a twelve-month period beginning on the Index Effective Date or a subsequent Index Anniversary.
Investment Options – the Index Options and Variable Option available under the Contract.
Issue Date – the date we issue the Contract. The Issue Date is stated in your Contract and starts your first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.
Maximum Anniversary Value Death Benefit – an optional benefit described in section 11 that has an additional rider fee and is intended to potentially provide a death benefit greater than the Traditional
Death Benefit. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue.
Non-Qualified Contract – a Contract that is not a Qualified Contract.
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.
Participation Rate – a percentage that is multiplied by any positive Index Return over the course of a Term in calculating the Performance Credit on the Term End Date. Participation Rates are used with the
Index Performance Strategy and there is one Participation Rate per Index Option. The Participation Rate is only available
on the Index Performance Strategy 3-year and 6-year Terms. The Participation Rate is not available on Index Performance
Strategy 1-year Terms. Index Options with a Participation Rate may allow you to receive more than the Index Return
if the Index Return is positive, but the Participation Rate cannot boost Index Returns beyond any declared Cap. We do not apply the Participation Rate if the Index Return is zero or negative. We do not apply the Participation Rate annually. This method of calculation is also referred to as “enhanced upside”. We set Participation Rates on each Term Start Date. The Participation Rates applicable to your Contract are shown on the Index Options Statement.
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
5
Performance Credit – the return you receive on a Term End Date from the Index Option(s). We base Performance Credits on Index Values and Index Returns after application of any Participation Rate up to
the Cap, any Trigger Rate, or any Buffer or Floor. Performance Credits cannot be negative with the Index Protection
Strategy with Trigger Index Options. However, Performance Credits can be negative with the Index Dual Precision Strategy,
Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy Index Options. If Performance Credits are negative, you can lose principal and previous earnings.
Performance Lock – a feature that allows you to capture the current Index Option Value during the Term. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a portion
of that Index Option Value. After the Lock Date, Daily Adjustments do not apply to a locked Index Option for the remainder
of the Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date. We
will not execute a Performance Lock on Index Protection Strategy with Trigger Index Options if the Daily Adjustment is
zero.
Purchase Payment – the money you put into the Contract.
Qualified Contract – a Contract that qualifies for special tax treatment under sections of the Internal Revenue Code (Code). Currently, we issue Qualified Contracts that may include, but are not limited
to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs. We may also issue an Inherited IRA and Inherited
Roth IRA to make any required minimum distribution payments to a beneficiary of a previously held tax-qualified
arrangement.
Quarterly Contract Anniversary – the day that occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.
Term – the period of time, from the Term Start Date to the Term End Date, in which we measure Index Return to determine Performance Credits.
Term End Date – the day on which a Term ends and we apply Performance Credits. A Term End Date may
only occur on an Index Anniversary. If a Term End Date does not occur on a Business Day, we consider
it to occur on the next Business Day.
Term Start Date – the day on which a Term begins, and we set the Trigger Rates, Caps, and Participation
Rates for an Index Option. A Term Start Date may only occur on the Index Effective Date or an Index
Anniversary. However, if you execute an Early Reallocation, the Term Start Date will be the Business Day we receive
your Early Reallocation request in Good Order. If a Term Start Date does not occur on a Business Day, we consider it
to occur on the next Business Day.
Traditional Death Benefit – the guaranteed death benefit automatically provided by the Contract for no additional fee described in section 11.
Trigger Rate – this is the positive Performance Credit you receive on a Term End Date for any Index Option with the Index Protection Strategy with Trigger, Index Dual Precision Strategy, or Index Precision
Strategy. You receive the Trigger Rate on the Term End Date if the current Index Value is equal to or greater
than the Index Value on the Term Start Date. For the Index Dual Precision Strategy, you also receive the Trigger Rate if
the Index Return is negative and the loss is less than or equal to the Buffer. This method of calculation is also referred to as “step-up”. For the Index Protection Strategy with Trigger, you will not receive a negative Performance Credit if the Index
Value decreases from the Term Start Date to the Term End Date. For the Index Dual Precision Strategy and the Index Precision
Strategy, you will receive a negative Performance Credit if the Index Value decreases from the Term Start Date
to the Term End Date and the negative Index Return extends beyond the Buffer. We do not apply the Trigger Rate annually on 3-year and 6-year Term Index Options. On each Term Start Date, we set a Trigger Rate for each Index Option with
the Index Protection Strategy with Trigger, Index Dual Precision Strategy, and Index Precision Strategy. The Trigger
Rates provide predefined upside potential. The Trigger Rates applicable to your Contract are shown on the Index Options
Statement.
Variable Option – a subaccount of the Separate Account, and the only variable investment option under the Contract. The Variable Option invests exclusively in the shares of the AZL Government Money Market
Fund. You cannot allocate Purchase Payments or other amounts in your Contract (e.g., earnings) to the Variable
Option.
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
6
Updated Information About Your Contract
The information in this Updating Summary Prospectus is a summary of certain Contract
features that have changed since the Statutory Prospectus dated May 1, 2026. This may not reflect all of the changes
that have occurred since you entered into your Contract.
As of October 13, 2026, the following changes apply:
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the limit on Early Reallocation requests increases from 12 each Index Year to 24 each
Index Year and each request can involve multiple locked Index Options,
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Early Reallocation from the Variable Option is available,
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Index Dual Precision Strategy 3-year Term with 10%, 20%, and 30% Buffers for the Nasdaq-100® Index are available to newly issued Contracts,
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Index Dual Precision Strategy 6-year Term with 10%, 20%, and 30% Buffers for the Nasdaq-100® Index are available to newly issued Contracts,
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Index Performance Strategy 3-year Term with 10%, 20%, and 30% Buffers for the Nasdaq-100® Index are available to newly issued Contracts, and
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Index Performance Strategy 6-year Term with 10%, 20%, and 30% Buffers for the Nasdaq-100® Index are available to newly issued Contracts.
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
7
Important Information You Should Consider About the Contract
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FEES, EXPENSES, AND ADJUSTMENTS
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Prospectus
Location
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Are There
Charges or
Adjustments
for Early
Withdrawals?
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Yes, your Contract is subject to charges for early withdrawals that differ depending on
when
you purchased the Contract.
●If you purchase the Contract on or after May 1, 2024, and you withdraw money from
the Contract within six years of your last Purchase Payment, you will be assessed
a
withdrawal charge of up to 8% of the Purchase Payment withdrawn, declining to 0%
over that time period.
●If you purchased the Contract on or before April 30, 2024, and you withdraw money
from the Contract within six years of your last Purchase Payment, you will be
assessed a withdrawal charge of up to 8.5% of the Purchase Payment withdrawn,
declining to 0% over that time period.
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Fee Tables
7. Expenses and
Adjustments
Appendix C –
Daily
Adjustment
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For example, for Contracts issued on or after May 1, 2024, if you invest $100,000
in the
Contract and make an early withdrawal, you could pay a withdrawal charge of up to
$8,000
(or $8,500 for Contracts issued on or before April 30, 2024). This loss will be greater
if there
is a negative Daily Adjustment, income taxes, or tax penalties.
In addition, if you take a full or partial withdrawal from an Index Option on a date
other than
the Term End Date, a Daily Adjustment will apply to the Index Option Value available
for
withdrawal. The Daily Adjustment also applies if before the Term End Date you execute
a
Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct
Contract fees and expenses. The Daily Adjustment may be negative depending on the
applicable Crediting Method. You will lose money if the Daily Adjustment is negative.
●Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy,
and Index Performance Strategy. Daily Adjustments under these Crediting Methods
may be positive, negative, or equal to zero. A negative Daily Adjustment will result
in a
loss, and could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer;
or -10% Floor, as applicable. The maximum potential loss from a negative Daily
Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy,
and Index Performance Strategy; and -35% for the Index Guard Strategy. For
example, if you allocate $100,000 to a 1-year Term Index Option with 10% Buffer and
later withdraw the entire amount before the Term has ended, you could lose up to
$99,000 of your investment. This loss will be greater if you also have to pay a
withdrawal charge, income taxes, and tax penalties.
●Index Protection Strategy with Trigger. Daily Adjustments under this Crediting
Method may be positive or equal to zero, but cannot be negative.
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Are There
Transaction
Charges?
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No. Other than withdrawal charges and Daily Adjustments that may apply to withdrawals
and other transactions under the Contract, there are no other transaction charges.
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Not Applicable
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Index Advantage+ NF® Annuity Prospectus – September 25, 2026
8
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FEES, EXPENSES, AND ADJUSTMENTS
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Prospectus
Location
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Are There
Ongoing Fees
and
Expenses?
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Yes, there are ongoing fees and expenses. The table below describes the fees and
expenses that you may pay each year, depending on the options you choose. Please refer
to your Contract specifications page for information about the specific fees you will
pay
each year based on the options you have elected.
There is an implicit ongoing fee on Index Options to the extent that your participation
in Index gains is limited by us through a Cap or Trigger Rate. This means that your
returns may be lower than the Index’s returns. In return for accepting this limit on Index
gains, you will receive some protection from Index losses. This implicit ongoing fee
is not
reflected in the tables below. Additionally, if we add Index Options with a guaranteed
minimum Participation Rate less than 100%, the Participation Rate would be an
implicit ongoing fee and limit Index gains.
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Fee Tables
7. Expenses and
Adjustments
Appendix A –
Investment
Options Available
Under the
Contract
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Annual Fee
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Minimum
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Maximum
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Base Contract(1)
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0.01%
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0.01%
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Investment Options(2)
(Fund fees and expenses)
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0.66%
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0.66%
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Optional Benefits Available for an Additional
Charge(3)
(for a single optional benefit, if elected)
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0.20%
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0.20%
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(1)
An amount attributable to the contract maintenance charge.
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(2)
As a percentage of the AZL Government Money Market Fund's average daily net assets.
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(3)
As a percentage of the Charge Base. This is the current charge for the Maximum Anniversary
Value Death
Benefit.
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Because your Contract is customizable, the choices you make affect how much you will
pay. To help you understand the cost of owning your Contract, the following table
shows the
lowest and highest cost you could pay each year, based on current charges. This estimate
assumes that you do not take withdrawals from the Contract, which could add a
withdrawal charge and a negative Daily Adjustment that substantially increase costs.
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Lowest Annual Cost:
$647
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Highest Annual Cost:
$834
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Assumes:
●Investment of $100,000 in the Variable
Option (even though you cannot select
the Variable Option for investment)
●5% annual appreciation
●Traditional Death Benefit
●No additional Purchase Payments,
transfers, or withdrawals
●No Daily Adjustment
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Assumes:
●Investment of $100,000 in the Variable
Option (even though you cannot select
the Variable Option for investment)
●5% annual appreciation
●Maximum Anniversary Value Death
Benefit with a 0.20% rider fee
●No additional Purchase Payments,
transfers, or withdrawals
●No Daily Adjustment
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Index Advantage+ NF® Annuity Prospectus – September 25, 2026
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RISKS
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Prospectus
Location
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Is There a Risk
of Loss from
Poor
Performance?
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Yes, you can lose money by investing in the Contract, including loss of principal and
previous earnings.
The maximum amount of loss that you could experience from negative Index Return,
after taking into account the current limits on Index loss provided under the
Contract, is: -90% with a 10% Buffer; -80% with a 20% Buffer; -70% with a 30% Buffer;
-10% with the Floor; and 0% with the Index Protection Strategy with Trigger.
The limits on Index loss offered under the Contract may change from one Term to the
next if we add an Index Option or discontinue accepting new allocations into an
Index Option. However, at least one Index Option with a Buffer no lower than 5% or
Floor no lower than -25%, or an Index Option that provides complete protection from
Index losses, will always be available for renewal under the Contract.
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Principal Risks of
Investing In the
Contract
4. Index Options
6. Valuing Your
Contract –
Calculating
Performance
Credits
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Is This a
Short-Term
Investment?
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No, this Contract is not a short-term investment and is not appropriate if you need ready
access to cash.
• Considering the benefits of tax deferral and long-term income, the Contract is generally
more beneficial to investors with a long investment time horizon.
• Withdrawals are subject to income taxes, and may also be subject to a 10% additional
federal tax for amounts withdrawn before age 59 1∕2.
• If, within six years after we receive a Purchase Payment, you take a full or partial
withdrawal, withdrawal charges will apply. A withdrawal charge will reduce your Contract
Value or the amount of money that you actually receive. Withdrawals may reduce or
end
Contract guarantees.
• Amounts invested in an Index Option must be held in the Index Option for the full
Term
before they can receive a Performance Credit. We apply a Daily Adjustment if, before
the
Term End Date, you take a full or partial withdrawal, you execute a Performance Lock,
you annuitize the Contract, we pay a death benefit, or we deduct Contract fees and
expenses.
• The Daily Adjustment may be negative with the Index Dual Precision Strategy, Index
Precision Strategy, Index Guard Strategy, and Index Performance Strategy. You will
lose
money if the Daily Adjustment is negative.
• Withdrawals and other deductions from an Index Option prior to a Term End Date will
result in a proportionate reduction to your Index Option Base. The proportionate reduction
could be greater than the amount withdrawn or deducted. Reductions to your Index
Option Base will result in lower Index Option Values for the remainder of the Term
and
lower gains (if any) on the Term End Date.
• On the Term End Date, you can transfer assets invested in an Index Option by changing
your allocation instructions. If you do not change your allocation instructions, you
will
continue to be invested in the same Index Option with a new Term Start Date. The new
Term will be subject to the applicable renewal Trigger Rate, Cap, and/or Participation
Rate.
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Principal Risks of
Investing In the
Contract
4. Index Options
6. Valuing Your
Contract
7. Expenses and
Adjustments
Appendix C –
Daily Adjustment
|
||
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
10
|
|
RISKS
|
Prospectus
Location
|
||
|
What are the
Risks
Associated
with the
Investment
Options?
|
• An investment in the Contract is subject to the risk of poor investment performance
and
can vary depending on the performance of the Variable Option and the Index Options
available under the Contract.
• The Variable Option and each Index Option have their own unique risks.
• You should review the Fund’s prospectus and disclosures, including risk factors, before
making an investment decision.
• Caps and Trigger Rates will limit positive Performance Credits (e.g., limited upside).
This
may result in earning less than the Index Return.
– For example, if at the end of a 1-year Term, the Index Return is 25% and the Cap is
15%, we apply a Performance Credit of 15%, meaning your Contract Value allocated
to that Index Option will increase by 15% since the Term Start Date. If at the end
of the
Term, the Index Return is 6% and the Trigger Rate is 3%, we apply a Performance
Credit of 3%, meaning your Contract Value allocated to that Index Option will increase
by 3% since the Term Start Date.
• The Buffer or Floor will limit negative Performance Credits (e.g., limited protection
in the
case of Index decline). However, you bear the risk for all Index losses that exceed
the Buffer. You also bear the risk for Index losses down to the Floor.
– For example, if at the end of a Term, the Index Return is -25% and the Buffer is 10%,
we apply a Performance Credit of -15%, meaning your Contract Value allocated to that
Index Option will decrease by 15% since the Term Start Date. If the Index Return is
-25% and the Floor is -10%, we apply a Performance Credit of -10%, meaning your
Contract Value allocated to that Index Option will decrease by 10% since the Term
Start Date.
• The Indexes are price return indexes, not total return indexes. This means that the
Index
Options do not receive any dividends payable on these securities. The Index Options
also
do not directly participate in the returns of the Indexes or the Indexes’ component
securities. This will reduce the Index Return and may cause the Index to underperform
a
direct investment in the securities composing the Index.
|
Principal Risks of
Investing In the
Contract
|
||
|
What are the
Risks Related
to the
Insurance
Company?
|
An investment in the Contract is subject to the risks related to us. All obligations,
guarantees or benefits of the Contract, including those relating to the Index Options,
are the
obligations of Allianz Life and are subject to our claims-paying ability and financial
strength.
More information about Allianz Life, including our financial strength ratings, is
available
upon request by visiting https://www.allianzlife.com/about/financial-ratings, or contacting us
at (800) 624-0197.
|
Principal Risks of
Investing In the
Contract
|
||
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
11
|
|
RESTRICTIONS
|
Prospectus
Location
|
||
|
Are There
Restrictions on
the Investment
Options?
|
Yes, there are limits on the Investment Options.
• Certain Index Options may not be available under your Contract (see Appendix A).
• The availability of Investment Options may vary depending on the broker-dealer through
which the Contract is sold (see Appendix F).
• We can add new Index Options to your Contract in the future.
• You cannot allocate Purchase Payments to the Variable Option. The sole purpose of
the
Variable Option is to hold Purchase Payments until they are transferred to your selected
Index Options.
• We restrict additional Purchase Payments during the Accumulation Phase. Each Index
Year, you cannot add more than your initial amount (i.e., the total of all Purchase
Payments received before the first Quarterly Contract Anniversary of the first Contract
Year) without our prior approval.
• We do not accept additional Purchase Payments during the Annuity Phase.
• We typically only allow assets to move into the Index Options on the Index Effective
Date
and on subsequent Index Anniversaries as discussed in section 3, Purchasing the
Contract – Allocation of Purchase Payments and Contract Value Transfers. However, as
of October 13, 2026, all assets can be moved from the Variable Option into the Index
Options on days other than an Index Anniversary through an Early Reallocation request.
If you execute an Early Reallocation, we will move assets into the Index Options on
the
Business Day we receive your Early Reallocation request in Good Order.
• You can typically transfer Index Option Value only on Term End Dates. However, you
can
transfer all assets out of an Index Option before the Term End Date by first executing
a
Performance Lock and then either requesting an Early Reallocation with new allocation
instructions or changing your allocation instructions before the next Index Anniversary.
For more information, see “Performance Locks” and “Early Reallocations” in section 6,
Valuing Your Contract.
• We do not allow assets to move into an established Index Option until the Term End
Date.
If you request to allocate a Purchase Payment into an established Index Option on
an
Index Anniversary that is not a Term End Date, we will allocate those assets to the
same
Index Option with a new Term Start Date.
• We reserve the right to substitute the Fund in which the Variable Option invests.
We also
reserve the right to close Index Options to new Purchase Payments and transfers, and
to
substitute Indexes either on a Term Start Date or during a Term.
• We may terminate your ability to make additional Purchase Payments during the
Accumulation Phase because we reserve the right to decline any or all Purchase
Payments at any time on a nondiscriminatory basis.
• Caps, Trigger Rates, and Participation Rates will change from one Term to the next
subject to their contractual minimum guarantees.
• The 10%, 20%, and 30% Buffers, and -10% Floors for the currently available Index
Options do not change. However, if we add a new Index Option to your Contract after
the
Issue Date, we establish the Buffer or Floor for it on the date we add the Index Option
to
your Contract. For a new Index Option, the minimum Buffer is 5% and the minimum Floor
is -25%.
|
Overview of the
Contract
Principal Risks of
Investing In the
Contract
3. Purchasing the
Contract –
Allocation of
Purchase
Payments and
Contract Value
Transfers
4. Index Options
5. The Variable
Option's
Underlying Fund
6. Valuing Your
Contract
Appendix A –
Investment
Options Available
Under the
Contract
Appendix F –
Financial
Intermediary
Variations
|
||
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
12
|
|
RESTRICTIONS
|
Prospectus
Location
|
||
|
Are There Any
Restrictions on
Contract
Benefits?
|
Yes, there are restrictions on Contract benefits.
• The availability of Contract benefits may vary depending on the broker-dealer through
which the Contract is sold (see Appendix F).
• We do not allow Performance Locks to occur on Term End Dates. We will not execute
your request for a Performance Lock on Index Protection Strategy with Trigger Index
Options if the Daily Adjustment is zero. This may limit your ability to take advantage
of the
benefits of the Early Reallocation feature. We do not accept Early Reallocation requests
within 14 calendar days before an Index Anniversary. On October 13, 2026, the limit
for
Early Reallocations increases from 12 each Index Year to 24.
• We reserve the right to discontinue or modify the Minimum Distribution Program.
• The death benefits are only available during the Accumulation Phase. Upon annuitization,
these benefits will end.
• The Traditional Death Benefit may not be modified, but it will terminate if you take
withdrawals that reduce both the Contract Value and Guaranteed Death Benefit Value
to
zero. Withdrawals may reduce the Traditional Death Benefit’s Guaranteed Death Benefit
Value by more than the value withdrawn and could end the Traditional Death Benefit.
• The optional Maximum Anniversary Value Death Benefit may not be modified.
Withdrawals may reduce the Maximum Anniversary Value Death Benefit’s Guaranteed
Death Benefit Value by more than the value withdrawn and will end the Maximum
Anniversary Value Death Benefit if the withdrawals reduce both the Contract Value
and
Guaranteed Death Benefit Value to zero.
|
6. Valuing Your
Contract –
Performance
Locks
6. Valuing Your
Contract – Early
Reallocations
10. Benefits
Available Under
the Contract
11. Death Benefit
Appendix F –
Financial
Intermediary
Variations
|
||
|
|
TAXES
|
|
||
|
What are the
Contract’s Tax
Implications?
|
• Consult with a tax professional to determine the tax implications of an investment
in and
withdrawals from or payments received under the Contract.
• If you purchased the Contract as an individual retirement annuity or through a custodial
individual retirement account, you do not get any additional tax benefit under the
Contract.
• Generally, earnings under a Non-Qualified Contract are taxed at ordinary income rates
when withdrawn, and may also be subject to a 10% additional federal tax for amounts
withdrawn before age 59 1∕2.
• Generally, distributions from Qualified Contracts are taxed at ordinary income tax
rates
when withdrawn, and may also be subject to a 10% additional federal tax for amounts
withdrawn before age 59 1∕2.
|
12. Taxes
|
||
|
|
CONFLICTS OF INTEREST
|
|
||
|
How are
Investment
Professionals
Compensated?
|
Your Financial Professional may receive compensation for selling this Contract to
you, in
the form of commissions, additional cash benefits (e.g., cash bonuses), and non-cash
compensation. We and/or our wholly owned subsidiary distributor may also make marketing
support payments to certain selling firms for marketing services and costs associated
with
Contract sales. This conflict of interest may influence your Financial Professional
to
recommend this Contract over another investment for which the Financial Professional
is
not compensated or compensated less.
|
7. Expenses and
Adjustments –
Commissions
Paid to Dealers
|
||
|
Should I
Exchange my
Contract?
|
Whether to exchange your existing Contract for a new contract is a decision that each
investor should make based on their personal circumstances and financial objectives.
However, in making this decision you should be aware that some Financial Professionals
may have a financial incentive to offer you a new contract in place of one you already
own.
You should only exchange your Contract if you determine, after comparing the features,
risks, and fees of both contracts, including any fees or penalties to terminate your
existing
Contract, that it is better for you to purchase the new contract rather than continue
to own
your existing Contract.
|
13. Other
Information –
Distribution
|
||
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
13
Appendix A – Investment Options Available Under the Contract
The availability of Investment Options may vary depending on the broker-dealer through
which the Contract is sold. See Appendix F – Financial Intermediary Variations for additional information.
Variable Option
The following includes information about the Fund available under the Contract. More
information about the Fund is available in the Fund’s prospectus, which may be amended from time to time and can be found online at https://www.allianzlife.com/variableoptions. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to [email protected].
The current expenses and performance information below reflects fees and expenses
of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and
performance would be lower if these other charges were included. The Fund’s past performance is not necessarily an indication of future performance.
|
Investment Objective
|
Fund and
Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total Returns
(as of December 31, 2025)
|
||
|
1 Year
|
5 Years
|
10 Years
|
|||
|
Current income consistent with
stability of principal
|
AZL® Government Money
Market Fund(1)
Adviser: Allianz Investment
Management LLC
Subadviser: BlackRock
Advisors, LLC
|
0.65%
|
3.70%
|
2.62%
|
1.57%
|
(1)
The AZL® Government Money Market Fund’s annual expenses reflect a temporary fee reduction. Please see the AZL® Government Money Market Fund’s prospectus for information regarding the expense reimbursement or fee waiver arrangement.
Index Options
The following is a list of Index Options currently available under the Contract. We
may change certain features of the Index Options listed below (including the Index and the current limits on Index gains),
offer new Index Options, and close Index Options to new Purchase Payments and transfers. We will provide you with written
notice before making any changes other than changes to current limits on Index gains. Information about current
limits on Index gains is available at https://www.allianzlife.com/RILAratesnf.
Note: If amounts are removed from an Index Option before the Term End Date, we will
apply a Daily Adjustment. Except for Index Options under the Index Protection Strategy with Trigger, this may
result in a significant reduction in your Contract Value that could exceed any protection from Index loss
that would be in place if such amounts were not removed from the Index Option until the Term End Date. The Index
Protection Strategy with Trigger is unique in that the Daily Adjustment cannot be negative.
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
14
For more information about the Index Options’ features, see section 4, Index Options, and section 6, Valuing Your Contract. For more information about Daily Adjustment, see section 7, Expenses and Adjustments – Daily Adjustment.
|
Index
|
Index Type
|
Crediting
Period
(Term
Length)
|
Index
Crediting
Methodology
|
Current Limit on
Index Loss
(if held until
Term End Date)
|
Minimum Limit on Index Gain
(for the life of the Index
Option)
|
|
Index Protection Strategy with Trigger
|
|||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
1-year Term
|
Point-to-point
with step-up
|
100% downside
protection
|
0.10% minimum Trigger Rate
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
EURO STOXX 50®(1)
|
Eurozone large-cap equities
|
||||
|
iShares® MSCI Emerging
Markets ETF(2)
|
International emerging
markets equities
|
||||
|
Index Dual Precision Strategy
• For Contracts issued before November 14, 2023, the Index Dual Precision Strategy is
not available.
• For Contracts issued from November 14, 2023, to April 30, 2024, only the 1-year Term
with 10% Buffer Index Options are available.
• For Contracts issued from May 1, 2024, to November 4, 2024, all 1-year Term Index
Options are available.
• For Contracts issued from November 5, 2024, to November 3, 2025, all 1-year Term Index
Options listed below are available. Additionally, only the 3-year
Term with 10% and 20% Buffers for the S&P 500® Index and Russell 2000® Index are available, and only the 6-year Term with 10% and 20% Buffers for
the S&P 500® Index and Russell 2000® Index are available.
• For Contracts issued from November 4, 2025, to October 12, 2026, all 1-year Term Index
Options listed below are available. Additionally, only the 3-year
Term with 10%, 20%, and 30% Buffers for the S&P 500® Index and Russell 2000® Index are available, and only the 6-year Term with 10%, 20%, and 30%
Buffers for the S&P 500® Index and Russell 2000® Index are available.
• For Contracts issued since October 13, 2026, all 1-year, 3-year, and 6-year Term Index
Options listed below are available.
|
|||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
1-year Term
|
Point-to-point
with step-up
|
• 10% Buffer
• 20% Buffer
• 30% Buffer
|
0.10% minimum Trigger Rate
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
EURO STOXX 50®(1)
|
Eurozone large-cap equities
|
||||
|
iShares® MSCI Emerging
Markets ETF(2)
|
International emerging
markets equities
|
||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
3-year Term
|
Point-to-point
with step-up
|
• 10% Buffer
• 20% Buffer
• 30% Buffer
|
1% minimum Trigger Rate
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
6-year Term
|
Point-to-point
with step-up
|
• 10% Buffer
• 20% Buffer
• 30% Buffer
|
3% minimum Trigger Rate
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
Index Precision Strategy
|
|||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
1-year Term
|
Point-to-point
with step-up
|
10% Buffer
|
0.10% minimum Trigger Rate
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
EURO STOXX 50®(1)
|
Eurozone large-cap equities
|
||||
|
iShares® MSCI Emerging
Markets ETF(2)
|
International emerging
markets equities
|
||||
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
15
|
Index
|
Index Type
|
Crediting
Period
(Term
Length)
|
Index
Crediting
Methodology
|
Current Limit on
Index Loss
(if held until
Term End Date)
|
Minimum Limit on Index Gain
(for the life of the Index
Option)
|
|
Index Guard Strategy
|
|||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
1-year Term
|
Point-to-point
with Cap
|
-10% Floor
|
0.10% minimum Cap
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
EURO STOXX 50®(1)
|
Eurozone large-cap equities
|
||||
|
iShares® MSCI Emerging
Markets ETF(2)
|
International emerging
markets equities
|
||||
|
Index Performance Strategy
• For Contracts issued before November 14, 2023, only the 1-year Term with 10% Buffer,
3-year Term with 10% and 20% Buffers, and 6-year Term with 10%
Buffer are available.
• For Contracts issued from November 14, 2023, to November 3, 2025, only the 1-year
Term with 10%, 20%, and 30% Buffers, 3-year Term with 10% and 20%
Buffers, and 6-year Term with 10% and 20% Buffers are available.
• For Contracts issued from November 4, 2025, to October 12, 2026, all 1-year Term Index
Options listed below are available. Additionally, only the 3-year
Term with 10%, 20%, and 30% Buffers for the S&P 500® Index and Russell 2000® Index are available; and only the 6-year Term with 10%, 20%, and 30%
Buffers for the S&P 500® Index and Russell 2000® Index are available.
• For Contracts issued since October 13, 2026, all 1-year, 3-year, and 6-year Term Index
Options listed below are available.
|
|||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
1-year Term
|
Point-to-point
with Cap
|
• 10% Buffer
• 20% Buffer
• 30% Buffer
|
0.10% minimum Cap(3)
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
EURO STOXX 50®(1)
|
Eurozone large-cap equities
|
||||
|
iShares® MSCI Emerging
Markets ETF(2)
|
International emerging
markets equities
|
||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
3-year Term
|
Point-to-point
with Cap and
enhanced
upside
|
• 10% Buffer
• 20% Buffer
• 30% Buffer
|
• 2% minimum Cap(3)
• 100% minimum Participation
Rate
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
|
S&P 500® Index(1)
|
U.S. large-cap equities
|
6-year Term
|
Point-to-point
with Cap and
enhanced
upside
|
• 10% Buffer
• 20% Buffer
• 30% Buffer
|
• 5% minimum Cap(3)
• 100% minimum Participation
Rate
|
|
Russell 2000® Index(1)
|
U.S. small-cap equities
|
||||
|
Nasdaq-100® Index(1)
|
U.S. & international
non-financial large-cap
equities
|
||||
(1)
This Index is a “price return index,” not a “total return index,” and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index Return and may cause the Index to underperform
a direct investment in the securities composing the Index. For the EURO STOXX 50®, this Index is a euro “price return index” and Index Returns are determined without any exchange rate adjustment.
(2)
This Index is an ETF. Index Values are based on the ETF’s closing share price. Index performance is calculated on a “price return” basis, not a “total return” basis, and therefore does not reflect the dividends paid on the securities in which the ETF invests. In addition, an ETF deducts fees and costs, which reduce Index performance. These factors will reduce the Index Return and may
cause the Index to underperform a direct investment in the ETF or the securities in which the ETF invests.
(3)
May be uncapped for a Term.
The current limit on Index loss for an Index Option will not change for the life of
that Index Option. However, we reserve the right to add new Index Options, as well as close Index Options to new
Purchase Payments and transfers. As such, the limits on Index loss offered under the Contract may change from one Term
to the next if we add an Index Option or discontinue accepting new allocations into an Index Option.
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
16
If we offer a new Index Option with a Buffer or Floor in the future, the Buffer or
Floor will be no lower than 5% or -25%, respectively. The lowest Trigger Rate, Cap, and Participation Rate that we may
establish if we add a new Index Option to the Contract are 0.05%, 0.05%, and 5.00%, respectively.
At least one Index Option with a Buffer no lower than 5% or Floor no lower than -25%,
or an Index Option that provides complete protection from Index losses, will always be available for renewal
under the Contract.
EDGAR Contract ID No.: C000241317/C000261698
INFP-003-USP
Index Advantage+ NF® Annuity Prospectus – September 25, 2026
17
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