Allianz Accumulation Advantage
Allianz
7.5%
Best Cap
10%
Free W/D
50
States
A fixed index annuity that offers growth potential linked to market indexes while protecting your principal from market downturns. Designed for retirement savers who want upside potential without downside risk.
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 | -- | 135% | -- |
| Bloomberg US Dynamic Balance II ER Index | Annual | -- | 250% | -- |
| Bloomberg US Dynamic Balance Index II | Annual | -- | 110% | -- |
| PIMCO Tactical Balanced ER Index | Annual | -- | 155% | -- |
| S&P 500 Futures Daily Risk Control 5% Index Excess Return | Annual | -- | 190% | -- |
| S&P 500 Index | Annual | 7.5% | 100% | -- |
| S&P 500 Index | Monthly | 2% | 100% | -- |
| Fixed Account | 2-Year | -- | -- | -- |
| Fixed Account | 5Y | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 6.85% |
Key Features
Principal Protection
100% principal protectionYour money is protected from market losses while still having opportunity for index-linked growth
Index Lock
Available with participation rate methodsLock in positive index performance at any point during the crediting period to secure gains
Multiple Crediting Methods
3 crediting method typesChoose from annual point-to-point, 2-year or 5-year multi-year options, or monthly sum approaches
Free Withdrawals
10% annuallyTake up to 10% of your premium each year without penalties after the first year
Index Options
Multiple index choices availableAccess to various market indexes including S&P 500® and specialty balanced indexes
Highlights
Earn interest linked to market indexes like the S&P 500® while protecting your principal from market losses
Index Lock feature lets you capture gains at any point during the crediting period to secure positive returns
Choose from multiple crediting methods including annual point-to-point, multi-year options, and monthly sum with cap
10% penalty-free withdrawals annually after the first year, with flexible access to your money
Tax-deferred growth potential with guaranteed income options for retirement
Surrender Schedule
Yr 1
9.3%
Yr 2
8.85%
Yr 3
8.85%
Yr 4
6.95%
Yr 5
5.95%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver
Best For
Retirement savers who want market upside potential with principal protection and are comfortable with a 10-year commitment.
Consider Alternatives If
Investors who need immediate liquidity or want direct market participation with full upside potential.
Carrier Ratings
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