Synergy Choice Max vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Aspida Life Insurance Company

Synergy Choice Max

Fixed index annuity with up to 14% premium bonus and principal protection

Cap Rate

15%

Participation

123%

Fixed Rate

3.5%

Free W/D

10%

A.M. BestA-

Strategies (13)

Citi Aria Index123% part
Citi Aria Index75% part
Goldman Sachs Grand Prix Index270% part
Goldman Sachs Grand Prix Index190% part
Goldman Sachs Lexicon Long Short Index105% part

Surrender (10 yrs)

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

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States49
Min Premium$25,000
Issue Age18–85

Best For

Retirement savers who want market growth potential with principal protection and can commit funds for 5-10 years.

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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