Nassau Personal Income Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Nassau Life and Annuity Company

Nassau Personal Income Annuity

Guaranteed income for life with market-linked growth

Cap Rate

7%

Participation

35%

Fixed Rate

3.4%

Free W/D

10%

A.M. BestB++

Strategies (10)

Nasdaq-100 Index35% part
Nasdaq-100 Index27% part
Smart Passage SG Index115% part
Smart Passage SG Index88% part
S&P 500 Index70% part

Surrender (10 yrs)

Y1 12%Y2 12%Y3 12%Y4 11%Y5 10%Y6 9%Y7 8%Y8 7%Y9 6%Y10 4%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States49
Min Premium$15,000
Issue Age0–80

Best For

Retirees and pre-retirees seeking guaranteed lifetime income, market upside participation, principal protection, and tax-deferred growth with flexibility to adjust allocations and withdraw when needed.

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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