OrionShield 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

AuguStar Financial

OrionShield 10

Protected growth tied to market indices—no downside risk

Cap Rate

8.6%

Participation

71%

Fixed Rate

3.25%

Free W/D

10%

A.M. BestA
FitchA-
Moody'sBaa1

Strategies (8)

Dynamic Balanced Asset 10 Index71% part
Multi-Asset Dynamic Managed 5 Index151% part
Nasdaq Night Owl Index53% part
S&P 500 Dynamic Intraday TCA Index (USD) ER49% part
S&P 500 Index8.6% cap

Surrender (10 yrs)

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

Waivers

Nursing home waiver
States50
Min Premium$25,000
Issue Age18–85

Best For

This product is ideal for individuals at or nearing retirement who want to grow assets they cannot afford to lose while protecting against sudden market downturns and volatility.

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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