Index Edge vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Pacific Life Insurance Company

Index Edge

Protected growth with index participation, no market risk

Cap Rate

8.75%

Participation

152%

Fixed Rate

4%

Free W/D

10%

A.M. BestA+
FitchAA-
Moody'sAa3
Standard & Poor'sAA-

Strategies (3)

BlackRock Endura Index152% part
S&P 500 Index8.75% cap
Fixed Account4%

Surrender (10 yrs)

Y1 9%Y2 9%Y3 8%Y4 7%Y5 6%Y6 5%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$25,000
Issue Age0–85

Best For

Retirees and near-retirees age 85 or younger who want principal protection with upside growth potential and are willing to accept withdrawal restrictions in exchange for guaranteed income floors.

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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