Smart Start Accumulator Plus vs Allianz 222
Side-by-side comparison with live CANNEX rate data
American National Insurance Company
Smart Start Accumulator Plus
Cap Rate
6.5%
Participation
41%
Fixed Rate
2.85%
Free W/D
5%
A.M. BestA
FitchA
Standard & Poor'sA
Strategies (8)
Invesco QQQ Portfolio Plus Index41% part
Morningstar Global Wide Moat VC 7 Index64% part
Morningstar Wide Moat Focus Barclays VC 7% Index ER59% part
S&P 500 Dynamic Intraday TCA Index (USD) ER40% part
S&P 500 Index6.5% cap
Surrender (10 yrs)
Y1 9%Y2 8.1%Y3 7.2%Y4 6.4%Y5 5.5%Y6 4.6%Y7 3.7%Y8 2.7%Y9 1.8%Y10 0.9%
Waivers
Disability waiverNursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age0–85
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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