CL Tarrant Trail Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

CL Life and Annuity Insurance Company

CL Tarrant Trail Annuity

Guaranteed growth with annual rate resets and penalty-free access

Free W/D

10%

A.M. BestB++

Surrender (6 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%

Waivers

RMD waiver
States22
Min Premium$20,000
Issue Age0–90

Best For

Retirees and pre-retirees seeking guaranteed principal protection, predictable growth, and the flexibility to access money in emergencies or if interest rates decline.

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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