IndexMax ADV vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Midland National Life Insurance Company

IndexMax ADV

Principal-Protected Index Growth with Tax Deferral

Participation

100%

Fixed Rate

5.3%

Free W/D

10%

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

Strategies (11)

BlackRock ESG U.S. 5% Index ER100% part
BlackRock ESG U.S. 5% Index ER100% part
BlackRock ESG U.S. 5% Index ER100% part
Fidelity Multifactor Yield Index 5% ER100% part
Fidelity Multifactor Yield Index 5% ER100% part

Surrender (7 yrs)

Y1 6%Y2 6%Y3 5%Y4 4%Y5 3%Y6 3%Y7 2%

Waivers

Nursing home waiver
States50
Min Premium$50,000
Issue Age0–85

Best For

Investors nearing or in retirement who want tax-deferred growth, principal protection from market losses, and the potential for index-linked returns without the ability to take on significant market risk.

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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