WealthLock Accumulator vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Aspida Life Insurance Company

WealthLock Accumulator

Fixed index annuity with principal protection and market growth potential

Cap Rate

11%

Participation

90%

Fixed Rate

3.75%

Free W/D

10%

A.M. BestA-

Strategies (15)

BofA USA Growth FC 10 Index90% part
BofA USA Growth FC 10 Index135% part
BofA USA Growth FC 10 Index110% part
Invesco Peak II Index110% part
Invesco Peak II Index160% 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

Investors seeking retirement growth with principal protection who want market participation without direct market risk.

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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