Asset Guard Fixed Index Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

GBU Financial Life Insurance Company

Asset Guard Fixed Index Annuity

Guaranteed growth with penalty-free withdrawals

Participation

270%

Fixed Rate

4%

Free W/D

10%

A.M. BestA-

Strategies (7)

Barclays Agility Shield Index270% part
Barclays Agility Shield Index90% part
Barclays Fortune 500 12% Index125% part
Barclays Fortune 500 12% Index120% part
Barclays US Tech 12% Index170% part

Surrender (4 yrs)

Y1 8%Y2 8%Y3 7%Y4 7%

Waivers

Activities of daily livingHome health care riderNursing home waiverTerminal illness waiver
States48
Min Premium$25,000
Issue Age0–95

Best For

Retirees and near-retirees seeking predictable, guaranteed income with principal protection and some liquidity without market risk.

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.

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