Accelerate 5 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Midland National Life Insurance Company

Accelerate 5

Growth + Protection: Index-linked returns with guaranteed downside protection

Cap Rate

7%

Participation

165%

Fixed Rate

3.8%

Free W/D

10%

A.M. BestA+
FitchA+
Standard & Poor'sA+

Strategies (6)

Fidelity Multifactor Yield Index 5% ER165% part
Nasdaq-100 Volatility Control 12% Index85% part
S&P 500 Dynamic Intraday TCA Index (USD) ER60% part
S&P 500 Index7% cap
S&P MARC 5% Excess Return165% part

Surrender (5 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%

Waivers

Nursing home waiver
States50
Min Premium$20,000
Issue Age0–85

Best For

Pre-retirees and retirees who want market upside participation but need principal protection from losses, and who prefer predictable returns over 5 years.

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.

Want the full picture?

Get a personalized comparison report with year-by-year projections for both products based on your age, premium, and goals.

Build My Comparison Report

More Comparisons

All FIA RatesAll MYGA RatesCompare ToolFree Report