LibertyMark Freedom 10 LT vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Americo Financial Life and Annuity Insurance Company

LibertyMark Freedom 10 LT

Market growth potential with principal protection and flexible access

Cap Rate

10.55%

Participation

291%

Fixed Rate

4.25%

Free W/D

10%

A.M. BestA

Strategies (8)

SG Columbia Adaptive Risk Allocation Index291% part
SG Columbia Adaptive Risk Allocation Index172% part
SG Lead Asset Select Exposure Rotation Index232% part
SG Lead Asset Select Exposure Rotation Index169% part
S&P 500 Index85% part

Surrender (10 yrs)

Y1 9.2%Y2 9.2%Y3 8.2%Y4 7.2%Y5 6.2%Y6 5.2%Y7 4.2%Y8 3.1%Y9 2.1%Y10 1%

Waivers

Nursing home waiver
States20
Min Premium$10,000
Issue Age0–85

Best For

Conservative investors seeking retirement growth with principal protection and some liquidity access.

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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