ClearFlex vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Clear Spring Life and Annuity Company

ClearFlex

Growth + Protection: Market-Linked Returns Without Market Risk

Cap Rate

10.25%

Participation

135%

Fixed Rate

4.6%

Free W/D

10%

A.M. BestA-

Strategies (5)

BNP Paribas Technology Balanced 7 Index135% part
S&P 500 Index10.25% cap
S&P 500 Sector Rotator Daily RC2 5% Index ER155% part
S&P MARC 5% Excess Return180% part
Fixed Account4.6%

Surrender (10 yrs)

Y1 10%Y2 9%Y3 8%Y4 7%Y5 6%Y6 5%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

Nursing home waiverTerminal illness waiver
States49
Min Premium$5,000
Issue Age0–80

Best For

People ages 0-80 who want to accumulate retirement savings with protection from market losses, including middle-aged and pre-retirees who can tolerate a longer investment horizon and want to balance growth with security.

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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