Growth Pathway vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Delaware Life

Growth Pathway

Growth with downside protection and guaranteed minimums

Cap Rate

8.9%

Participation

80%

Fixed Rate

4.6%

Free W/D

10%

A.M. BestA-
Standard & Poor'sA-

Strategies (6)

First Trust Capital Strength Barclays 10% Index80% part
Franklin SG Select Index100% part
Invesco QQQ Trust Series 18.9% cap
Janus Henderson Adaptive Market Leaders U.S. Index110% part
S&P 500 Index9.65% cap

Surrender (7 yrs)

Y1 9.2%Y2 8.2%Y3 7.2%Y4 6.2%Y5 5.2%Y6 4.15%Y7 3.15%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$10,000
Issue Age18–85

Best For

Conservative investors with 5-7+ year time horizon who want market upside potential combined with principal protection and guaranteed growth, particularly late savers and inflation-concerned retirees.

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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