Future Flex Fixed Index Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

GBU Financial Life Insurance Company

Future Flex Fixed Index Annuity

Tax-deferred growth. Flexible withdrawals. Peace of mind.

Participation

270%

Fixed Rate

4%

Free W/D

10%

A.M. BestA-

Strategies (7)

Barclays Agility Shield Index270% part
Barclays Agility Shield Index90% part
Barclays Fortune 500 12% Index125% part
Barclays Fortune 500 12% Index120% part
Barclays US Tech 12% Index170% part

Surrender (4 yrs)

Y1 8%Y2 8%Y3 7%Y4 7%

Waivers

Activities of daily livingHome health care riderNursing home waiverTerminal illness waiver
States48
Min Premium$25,000
Issue Age0–95

Best For

Individuals seeking predictable, tax-deferred growth for retirement planning or long-term financial goals (home purchase, education) who prefer a fixed interest rate and don't need immediate access to all their 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