Allianz 360
Allianz
3.5%
Best Cap
10%
Free W/D
50
States
A fixed index annuity that helps accumulate retirement savings with market growth potential and principal protection, plus guaranteed lifetime income with an interest bonus feature.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock iBLD Claria II Excess Return Index | Annual | -- | 65% | -- |
| Bloomberg US Dynamic Balance II ER Index | Annual | -- | 65% | -- |
| PIMCO Tactical Balanced ER Index | Annual | -- | 90% | -- |
| S&P 500 Futures Daily Risk Control 5% Index Excess Return | Annual | -- | 120% | -- |
| S&P 500 Index | Annual | 3.5% | 100% | -- |
| S&P 500 Index | Monthly | 1.2% | 100% | -- |
| Fixed Account | 2-Year | -- | -- | -- |
| Fixed Account | 5Y | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 2% |
Key Features
Interest Bonus
5% bonusReceive 105% of any fixed or indexed interest earned
Lifetime Income
Two income options availableGuaranteed withdrawals for life starting at age 50
Withdrawal Percentage Increases
Annual increasesIncome percentages grow each year after age 40 before withdrawals begin
Principal Protection
100% protectionYour initial investment and credited interest are protected from market losses
Index Options
6+ index optionsChoose from multiple market indexes for potential growth
Free Withdrawals
10% annuallyTake up to 10% of paid premium annually without surrender charges
Highlights
Offers a 5% interest bonus that credits 105% of any fixed or indexed interest earned to your contract
Provides guaranteed lifetime income withdrawals starting at age 50 with two income options
Income withdrawal percentages increase every year after age 40 that you delay taking withdrawals
Principal and credited interest are protected from market losses while offering growth potential
Choice of multiple market indexes and crediting methods for potential interest earnings
Surrender Schedule
Yr 1
10%
Yr 2
10%
Yr 3
10%
Yr 4
8.75%
Yr 5
7.5%
Yr 6
6.25%
Yr 7
5%
Yr 8
3.75%
Yr 9
2.5%
Yr 10
1.25%
After
0%
Nursing home waiver, RMD waiver
Best For
Individuals concerned about saving enough for retirement who want principal protection with growth potential and guaranteed lifetime income.
Consider Alternatives If
Those who need immediate liquidity or want to avoid the 0.95% annual rider fee.
Carrier Ratings
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