MNL Endeavor 8 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Midland National Life Insurance Company

MNL Endeavor 8

Growth + Protection. Market upside. Downside safety.

Cap Rate

2.2%

Participation

170%

Fixed Rate

3%

Free W/D

10%

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

Strategies (11)

Fidelity Multifactor Yield Index 5% ER170% part
Fidelity Multifactor Yield Index 5% ER100% part
Nasdaq-100 Index2.2% cap
S&P 500 Index8% cap
S&P 500 Index100% part

Surrender (8 yrs)

Y1 10%Y2 10%Y3 10%Y4 10%Y5 9%Y6 8%Y7 5%Y8 3%

Waivers

Nursing home waiverRMD waiver
States50
Min Premium$20,000
Issue Age0–85

Best For

Retirees and near-retirees who want market-linked growth with principal protection, prefer tax-deferred savings, and can commit to keeping money invested for at least several years.

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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