Enhanced Choice Index Plus 5 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

The Standard

Enhanced Choice Index Plus 5

Flexible index-linked growth with downside protection

Cap Rate

11%

Participation

145%

Fixed Rate

3.75%

Free W/D

10%

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

Strategies (7)

BofA Global MegaTrends Index145% part
S&P 500 Daily Risk Control 5% Excess Return (USD) Index165% part
S&P 500 Dynamic Intraday TCA Index (USD) ER11% cap
S&P 500 ESG Daily Risk Control 5% Index (USD) ER165% part
S&P 500 Index11.5% cap

Surrender (5 yrs)

Y1 9.4%Y2 8.5%Y3 7.5%Y4 6.5%Y5 5.5%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$15,000
Issue Age0–93

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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