Safe Return vs Allianz 222

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

Safe Return

Fixed Index Annuity with Flexibility & Guarantees

Cap Rate

10%

Participation

145%

Fixed Rate

4.25%

Free W/D

10%

A.M. BestA++
Standard & Poor'sA+

Strategies (5)

First Trust Barclays Edge Index145% part
iShares US Real Estate ETF10% cap
S&P 500 Average Daily Risk Control Price Return Index60% part
S&P 500 Index6.75% cap
Fixed Account4.25%

Surrender (10 yrs)

Y1 10%Y2 9%Y3 8%Y4 7%Y5 6%Y6 5%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$25,000
Issue Age0–85

Best For

Individuals aged 0–85 with $25,000+ to invest who want growth potential linked to market indexes but need principal protection, flexibility to access funds annually, and the option for guaranteed income in retirement.

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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