PruSecure Advisor vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Prudential Financial

PruSecure Advisor

Protection + Growth in One Product

Cap Rate

35%

Fixed Rate

4%

Free W/D

10%

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

Strategies (11)

Bloomberg Commodity35% cap
Bloomberg Commodity12.3% cap
Dow Jones U.S. Real Estate30% cap
Dow Jones U.S. Real Estate11.55% cap
MSCI EAFE Index30% cap

Surrender (7 yrs)

Y1 2%Y2 2%Y3 2%Y4 2%Y5 2%Y6 2%Y7 2%

Waivers

Medically related surrendersRMD waiverTerminal illness waiver
States50
Min Premium$10,000
Issue Age0–85

Best For

Individuals who want to protect a portion of their savings from market loss while still having the opportunity for growth, particularly those concerned about market downturns and willing to commit funds for the long term.

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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