Index Protector 4 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

Index Protector 4

Index-linked growth with principal protection

Cap Rate

10%

Participation

70%

Fixed Rate

4.65%

Free W/D

10%

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

Strategies (6)

iShares MSCI EAFE ETF10% cap
iShares US Real Estate ETF12.5% cap
S&P 500 Average Daily Risk Control Price Return Index70% part
S&P 500 Index8% cap
S&P U.S. Retiree Spending Total Return Index75% part

Surrender (4 yrs)

Y1 5.6%Y2 5.6%Y3 5.6%Y4 5.6%

Waivers

Nursing home waiverTerminal illness waiver
States49
Min Premium$50,000
Issue Age0–90

Best For

Investors age 0-90 seeking tax-deferred growth with principal protection who want indexed returns and flexibility in retirement income planning.

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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