Brighthouse SecureKey 10-Year vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Brighthouse Financial

Brighthouse SecureKey 10-Year

Guaranteed rates for 3-7 years with flexible access to your money

Cap Rate

9.75%

Fixed Rate

4%

Free W/D

10%

A.M. BestA
FitchA
Moody'sA3
Standard & Poor'sA+

Strategies (5)

MSCI EAFE Index9.75% cap
Russell 2000 Index9.75% cap
S&P 500 Index9.25% cap
S&P 500 Low Volatility (PR) Daily Risk Control 5% USD Index10.75% cap
Fixed Account4%

Surrender (10 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%Y8 2%Y9 1%Y10 1%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States49
Min Premium$25,000
Issue Age0–85

Best For

Conservative investors seeking guaranteed returns and flexible access to funds during retirement planning.

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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