Pacific Advisory Fixed Indexed Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Pacific Life Insurance Company

Pacific Advisory Fixed Indexed Annuity

Protected Growth + Index Upside with No Market Risk

Cap Rate

10.25%

Fixed Rate

3.75%

Free W/D

10%

A.M. BestA+
FitchAA-
Moody'sAa3
Standard & Poor'sAA-

Strategies (3)

MSCI EAFE Index10.25% cap
S&P 500 Index10% cap
Fixed Account3.75%

Surrender (1 yrs)

Y0 0%
States50
Min Premium$25,000
Issue Age0–85

Best For

Conservative investors nearing or in retirement who want principal protection, tax-deferred growth, and potential market upside without direct market exposure, particularly those who have maxed out 401(k) or IRA contributions.

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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