Farmers Harvest vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Farmers Life Insurance Company

Farmers Harvest

Index-Linked Growth with Principal Protection

Cap Rate

11.75%

Participation

140%

Fixed Rate

3.75%

Free W/D

5%

A.M. BestB++

Strategies (5)

Bloomberg Global Momentum Diversified Leaders 5% ER Index140% part
NASDAQ-100 Volatility Control 7% Index90% part
S&P 500 Index11.75% cap
S&P U.S. Dividend Growers VA RC2 7.5% Index (USD) ER70% part
Fixed Account3.75%

Surrender (10 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%Y8 2.5%Y9 1.5%Y10 0.9%

Waivers

RMD waiver
States27
Min Premium$10,000
Issue Age0–85

Best For

Investors age 0-85 seeking moderate growth with downside protection, principal safety, tax deferral, and a foundation for retirement income who can commit funds for 5-10 years.

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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