Flex 5 Advantage vs Allianz 222

Side-by-side comparison with live CANNEX rate data

GCU Insurance

Flex 5 Advantage

5.15% rate, flexible withdrawals, lifetime guarantees

Free W/D

10%

A.M. BestA-

Surrender (5 yrs)

Y1 9%Y2 7%Y3 5%Y4 3%Y5 1%

Waivers

Nursing home waiverTerminal illness waiver
States31
Min Premium$300
Issue Age0–88

Best For

Conservative investors aged 0-88 seeking steady growth with downside protection and flexible access to their funds, especially those concerned about long-term care needs.

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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