Excelera Plus MYGIA vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Revol One Financial

Excelera Plus MYGIA

Guaranteed Income + S&P 500 Growth Potential

Participation

31%

Fixed Rate

4%

A.M. BestB++

Strategies (5)

S&P 500 Index31% part
S&P 500 Index47% part
S&P 500 Index74% part
Fixed Account--
Fixed Account4%

Surrender (7 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States47
Min Premium$25,000
Issue Age18–85

Best For

Conservative to moderate investors age 0–85 (qualified) or 0–90 (non-qualified) seeking tax-deferred growth, principal protection, and some market upside for long-term financial goals without needing immediate access to funds.

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