Retirement Foundation ADV vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Allianz Life Insurance Company of North America

Retirement Foundation ADV

Fixed index annuity with growing income potential and market upside

Cap Rate

4%

Fixed Rate

2.8%

Free W/D

10%

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

Strategies (5)

Bloomberg US Dynamic Balance Index II4% cap
Nasdaq-100 Index4.75% cap
Russell 2000 Index4.75% cap
S&P 500 Index4.5% cap
Fixed Account2.8%

Surrender (7 yrs)

Y1 6.5%Y2 6%Y3 5%Y4 4%Y5 3%Y6 2%Y7 1%
States50
Min Premium$10,000
Issue Age0–80

Best For

People seeking guaranteed lifetime income with growth potential who can wait until at least age 50 to start withdrawals and want protection from market losses.

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.

Want the full picture?

Get a personalized comparison report with year-by-year projections for both products based on your age, premium, and goals.

Build My Comparison Report

More Comparisons

All FIA RatesAll MYGA RatesCompare ToolFree Report