F&G Flex Accumulator vs Allianz 222
Side-by-side comparison with live CANNEX rate data
Fidelity and Guaranty
F&G Flex Accumulator
Cap Rate
6.75%
Participation
205%
Fixed Rate
3.5%
Free W/D
10%
A.M. BestA
FitchA-
Moody'sA3
Standard & Poor'sA-
Strategies (7)
Barclays Trailblazer Sectors 5 Index205% part
BlackRock Market Advantage Index190% part
CIBC Balanced 10% Volatility Control ER Index170% part
CIBC Balanced 10% Volatility Control ER Index75% part
S&P 500 Index6.75% cap
Surrender (10 yrs)
Y1 12%Y2 11%Y3 10%Y4 9%Y5 8%Y6 7%Y7 6%Y8 5%Y9 4%Y10 3%
Waivers
Home health care riderNursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$10,000
Issue Age0–85
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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