Denali 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

SILAC Insurance Company

Denali 10

Protected Growth with Flexible Access

Cap Rate

9.5%

Participation

205%

Fixed Rate

4.75%

Free W/D

5%

A.M. BestB+

Strategies (8)

Barclays Atlas 5 Index205% part
Bloomberg Versa 10 Index80% part
Nasdaq Generations 5 Index210% part
S&P 500 Duo Swift Index (USD) ER82% part
S&P 500 Index9.5% cap

Surrender (10 yrs)

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

Waivers

Home health care riderNursing home waiverRMD waiverTerminal illness waiver
States49
Min Premium$10,000
Issue Age0–85

Best For

Individuals seeking long-term retirement accumulation who want principal protection from market downturns, tax-deferred growth, and periodic access to funds without taking on direct 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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