Eleos SP vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Reliance Standard Life Insurance Company

Eleos SP

Fixed annuity with guaranteed rates & penalty-free access

Free W/D

10%

A.M. BestA++
Standard & Poor'sA+

Surrender (5 yrs)

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

Waivers

Nursing home waiver
States47
Min Premium$10,000
Issue Age0–85

Best For

Safety-conscious individuals and retirees who prioritize principal protection, predictable income, and liquidity over growth, and want a simple, low-risk way to grow savings.

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.

Want the full picture?

Get a personalized comparison report with year-by-year projections for both products based on your age, premium, and goals.

Build My Comparison Report

More Comparisons

All FIA RatesAll MYGA RatesCompare ToolFree Report