FG AccumulatorPlus 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Fidelity and Guaranty

FG AccumulatorPlus 10

Index-based growth with 0% floor protection

Cap Rate

10.75%

Participation

275%

Fixed Rate

3.75%

Free W/D

10%

A.M. BestA
FitchA-
Moody'sA3
Standard & Poor'sA-

Strategies (8)

Barclays Trailblazer Sectors 5 Index275% part
Goldman Sachs Global Factor Index295% part
Goldman Sachs Global Factor Index170% part
Morgan Stanley US Equity Allocator Index135% part
Morgan Stanley US Equity Allocator Index75% part

Surrender (10 yrs)

Y1 12%Y2 11%Y3 10%Y4 9%Y5 8%Y6 7%Y7 6%Y8 5%Y9 4%Y10 3%

Waivers

Home health care riderNursing home waiverRMD waiverTerminal illness waiver
States51
Min Premium$10,000
Issue Age0–85

Best For

Investors age 18-85 seeking moderate growth with principal protection, access to funds for health care needs, and a 10-year investment horizon who prefer downside protection over maximum upside potential.

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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