American Equity AssetShield 7 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

American Equity Investment Life Insurance Company

American Equity AssetShield 7

Protected growth with 10% free withdrawals and multiple index options

Cap Rate

10%

Participation

105%

Fixed Rate

3.8%

Free W/D

10%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (9)

BlackRock Adaptive US Equity 7% Index105% part
BNP Paribas Patriot Technology Index140% part
Nasdaq Premier Index10% cap
NYSE Premier Index10% cap
S&P 500 Advantage 15% VT TCA Index (USD) ER10% cap

Surrender (7 yrs)

Y1 9.2%Y2 9%Y3 8%Y4 7%Y5 6%Y6 4%Y7 2%

Waivers

Bail out provisionsNursing home waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age18–85

Best For

Conservative investors seeking principal protection with growth potential who can commit funds for 10 years and want access to annual withdrawals.

Allianz Life Insurance Company of North America

Allianz 222

Fixed index annuity with bonuses and guaranteed lifetime income potential

Cap Rate

4.5%

Participation

100%

Fixed Rate

2.8%

Free W/D

10%

A.M. BestA+
Moody'sAa3
Standard & Poor'sAA

Strategies (9)

BlackRock iBLD Claria II Excess Return Index100% part
Bloomberg US Dynamic Balance II ER Index85% part
PIMCO Tactical Balanced ER Index105% part
S&P 500 Futures Daily Risk Control 5% Index Excess Return145% part
S&P 500 Index4.5% cap

Surrender (10 yrs)

Y1 10%Y2 10%Y3 10%Y4 8.75%Y5 7.5%Y6 6.25%Y7 5%Y8 3.75%Y9 2.5%Y10 1.25%

Waivers

Nursing home waiver
States1
Min Premium$20,000
Issue Age0–80

Best For

Retirement savers who want principal protection with growth potential and guaranteed lifetime income, especially those not needing immediate income.

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