Rate Certainty Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

American National Insurance Company

Rate Certainty Annuity

Fixed indexed annuity with guaranteed rates and S&P 500 upside potential

Participation

100%

Fixed Rate

3.65%

Free W/D

10%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (2)

S&P 500 Dynamic Intraday TCA Index (USD) ER100% part
Fixed Account3.65%

Surrender (20 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 5%Y7 5%Y8 5%Y9 5%Y10 5%Y11 5%Y12 5%Y13 5%Y14 5%Y15 5%Y16 5%Y17 4%Y18 2%Y19 2%Y20 1%

Waivers

Disability waiverNursing home waiverRMD waiverTerminal illness waiver
States51
Min Premium$5,000
Issue Age0–85

Best For

Conservative investors seeking principal protection with growth potential and rate certainty who can commit funds for the surrender charge period.

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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