OptiMark LT vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Americo Financial Life and Annuity Insurance Company

OptiMark LT

Principal protection with market upside potential and premium bonus

Cap Rate

12.3%

Participation

166%

Fixed Rate

2.85%

Free W/D

10%

A.M. BestA

Strategies (8)

SG Columbia Adaptive Risk Allocation Index166% part
SG Columbia Adaptive Risk Allocation Index121% part
SG Lead Asset Select Exposure Rotation Index168% part
SG Lead Asset Select Exposure Rotation Index122% part
S&P 500 Index49% part

Surrender (10 yrs)

Y1 11%Y2 10%Y3 9%Y4 8%Y5 7%Y6 6%Y7 5%Y8 4%Y9 3%Y10 1%

Waivers

Nursing home waiver
States19
Min Premium$10,000
Issue Age0–80

Best For

Pre-retirees and retirees seeking principal protection with growth potential who want flexible access to their money.

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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