Retirement Foundation ADV
Allianz
4%
Best Cap
10%
Free W/D
50
States
A fixed index annuity that provides lifetime income with guaranteed increasing withdrawal percentages each year you delay taking income, plus upside potential linked to market indexes with principal protection.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Bloomberg US Dynamic Balance Index II | Annual | 4% | 100% | -- |
| Nasdaq-100 Index | Annual | 4.75% | 100% | -- |
| Russell 2000 Index | Annual | 4.75% | 100% | -- |
| S&P 500 Index | Annual | 4.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.8% |
Key Features
Increasing Withdrawal Percentages
Increases range from 0.45% to 0.75% annually depending on ageYour lifetime withdrawal percentage increases each year starting at age 45 until you begin taking income
Income Benefit Rider
1.25% annual chargeAutomatically included rider that provides lifetime income options starting as early as age 50
Two Income Options
Available ages 50-100Choose between Level Income (predictable payments) or Increasing Income (potential for payment growth)
Index Allocation Options
S&P 500, Nasdaq-100, Russell 2000, Bloomberg US Dynamic Balance Index IIAllocate to multiple market indexes with 100% participation and annual caps
Free Withdrawals
10% annuallyWithdraw up to 10% of premium annually without charges after first contract year
Principal Protection
0% floor on index performanceYour principal and credited interest are protected from market downturns
Highlights
Provides guaranteed income for life with withdrawal percentages that increase every year you wait to start income (beginning at age 45)
Offers upside potential through market index linking while protecting your principal from market losses
Includes two income options: predictable level payments or payments that can increase based on contract performance
Automatic Income Benefit rider provides growing income potential without additional rider selection
Surrender Schedule
Yr 1
6.5%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
Best For
People seeking guaranteed lifetime income with growth potential who can wait until at least age 50 to start withdrawals and want protection from market losses.
Consider Alternatives If
People who need immediate income or access to funds within the seven-year surrender period should consider other options.
Carrier Ratings
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