Access SPDA vs Allianz 222
Side-by-side comparison with live CANNEX rate data
United Life Insurance Company
Access SPDA
Guaranteed rates, no fees, tax-deferred growth
Free W/D
10%
Surrender (6 yrs)
Waivers
Best For
Financially conservative investors age 65+ (especially) who prioritize guaranteed growth over liquidity, want predictable returns, and can commit funds for 3–5 years without needing flexibility.
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%
Strategies (9)
Surrender (10 yrs)
Waivers
Best For
Retirement savers who want principal protection with growth potential and guaranteed lifetime income, especially those not needing immediate income.
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