Allianz Benefit Control
Allianz
4.5%
Best Cap
10%
Free W/D
A fixed index annuity that provides guaranteed lifetime income with built-in bonuses and the potential for income increases. Offers protection from market downturns while allowing you to benefit from positive market performance.
Free Withdrawal
10%/yr
Available In
1 states
Min Premium
$20,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BlackRock iBLD Claria II Excess Return Index | Annual | -- | 90% | -- |
| Bloomberg US Dynamic Balance II ER Index | Annual | -- | 75% | -- |
| PIMCO Tactical Balanced ER Index | Annual | -- | 90% | -- |
| S&P 500 Futures Daily Risk Control 5% Index Excess Return | Annual | -- | 130% | -- |
| S&P 500 Index | Annual | 4.5% | 100% | -- |
| S&P 500 Index | Monthly | 1.5% | 100% | -- |
| Fixed Account | 2-Year | -- | -- | -- |
| Fixed Account | 5Y | -- | -- | -- |
| Fixed Account | Daily | -- | -- | 2.5% |
Key Features
Premium Bonus
25%Get 25% bonus on money added in first 18 months
Interest Bonus
Varies by option chosenExtra bonus when your contract earns indexed interest
Income Start Age
Age 50+Begin guaranteed lifetime withdrawals anytime after age 50
Bonus Control Options
Two options availableChoose Accelerated (250% PIV factor, 50% AV factor) or Balanced (150% PIV factor, 100% AV factor)
Income Multiplier
2x income temporarilyDouble income payments if unable to perform 2+ daily activities or extended care need
Free Withdrawals
10% annuallyTake up to 10% of premium annually without penalties after first year
Index Lock
Available on select allocationsLock in positive index performance at any time during crediting period
Highlights
Get a 25% bonus on any money you put in during the first 18 months, plus bonus interest when your contract earns gains
Start guaranteed lifetime income anytime after age 50, with potential for income increases based on market performance
Choose between two strategies: focus more on growing your income value or balance growth between income and cash value
Double your income payments temporarily if you can't perform daily activities or need extended care
Your money is protected from market losses while still having upside potential based on index performance
Surrender Schedule
Yr 1
9.3%
Yr 2
9.3%
Yr 3
8.3%
Yr 4
7.3%
Yr 5
6.25%
Yr 6
5.25%
Yr 7
4.2%
Yr 8
3.15%
Yr 9
2.1%
Yr 10
1.05%
After
0%
Nursing home waiver
Best For
People approaching or in retirement who want guaranteed income with growth potential and don't mind tying up money for 10+ years.
Consider Alternatives If
People who need immediate access to their full investment or want to avoid surrender charges in the first 10 years.
Carrier Ratings
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