Asset Guard Fixed Index Annuity vs Allianz 222
Side-by-side comparison with live CANNEX rate data
GBU Financial Life Insurance Company
Asset Guard Fixed Index Annuity
Participation
270%
Fixed Rate
4%
Free W/D
10%
A.M. BestA-
Strategies (7)
Barclays Agility Shield Index270% part
Barclays Agility Shield Index90% part
Barclays Fortune 500 12% Index125% part
Barclays Fortune 500 12% Index120% part
Barclays US Tech 12% Index170% part
Surrender (4 yrs)
Y1 8%Y2 8%Y3 7%Y4 7%
Waivers
Activities of daily livingHome health care riderNursing home waiverTerminal illness waiver
States48
Min Premium$25,000
Issue Age0–95
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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