Enhanced Choice Index Plus 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

The Standard

Enhanced Choice Index Plus 10

Flexible index-linked growth with downside protection

Cap Rate

11%

Participation

120%

Fixed Rate

3.75%

Free W/D

10%

A.M. BestA
Moody'sA1
Standard & Poor'sA+

Strategies (6)

BofA Global MegaTrends Index120% part
S&P 500 Daily Risk Control 5% Total Return (USD) Index175% part
S&P 500 Dynamic Intraday TCA Index (USD) ER11% cap
S&P 500 Index8.5% cap
S&P MARC 5% Excess Return175% part

Surrender (10 yrs)

Y1 9.4%Y2 8.5%Y3 7.5%Y4 6.5%Y5 5.5%Y6 4.5%Y7 3.5%Y8 2.5%Y9 1.5%Y10 0.5%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States49
Min Premium$15,000
Issue Age0–80

Best For

Investors aged 59½+ seeking growth tied to market performance who want downside protection and the flexibility to access their funds with predictable penalty schedules.

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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