FGNY Index-Choice 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Fidelity and Guaranty

FGNY Index-Choice 10

Market-linked growth with downside protection & death benefit

Cap Rate

5.25%

Fixed Rate

3%

Free W/D

10%

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

Strategies (3)

S&P 500 Index5.25% cap
S&P 500 Index5.5% cap
Fixed Account3%

Surrender (10 yrs)

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

Waivers

Nursing home waiverTerminal illness waiver
States1
Min Premium$10,000
Issue Age0–85

Best For

This product is best for people age 50+ seeking long-term retirement savings who want market-linked growth without stock market risk and value access to funds for health emergencies and a guaranteed death benefit for heirs.

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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