Income Pay Pro vs Allianz 222
Side-by-side comparison with live CANNEX rate data
North American Company for Life and Health Insurance
Income Pay Pro
Cap Rate
5%
Participation
75%
Fixed Rate
2.5%
Free W/D
10%
A.M. BestA+
FitchA+
Standard & Poor'sA+
Strategies (16)
Barclays Transitions 12% Index75% part
Barclays Transitions 12% Index50% part
Barclays Transitions 6% Index150% part
Barclays Transitions 6% Index100% part
Fidelity Multifactor Yield Index 5% ER155% part
Surrender (10 yrs)
Y1 10%Y2 10%Y3 9%Y4 9%Y5 8%Y6 8%Y7 7%Y8 6%Y9 4%Y10 2%
Waivers
RMD waiver
States50
Min Premium$20,000
Issue Age40–79
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.
Want the full picture?
Get a personalized comparison report with year-by-year projections for both products based on your age, premium, and goals.
Build My Comparison Report