Farmers Harvest vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Farmers Life Insurance Company

Farmers Harvest

Protected growth with market upside, tax deferral & lifetime income options

Cap Rate

11.75%

Participation

140%

Fixed Rate

3.75%

Free W/D

5%

A.M. BestB++

Strategies (5)

Bloomberg Global Momentum Diversified Leaders 5% ER Index140% part
NASDAQ-100 Volatility Control 7% Index90% part
S&P 500 Index11.75% cap
S&P U.S. Dividend Growers VA RC2 7.5% Index (USD) ER70% part
Fixed Account3.75%

Surrender (10 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%Y8 2.5%Y9 1.5%Y10 0.9%

Waivers

RMD waiver
States27
Min Premium$10,000
Issue Age0–85

Best For

Individuals age 0-85 who are planning for retirement, want protection from market risk, desire tax-deferred growth, and may need guaranteed lifetime income while maintaining some liquidity access.

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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