IndexFlex Fixed Annuity - FP Series vs Allianz 222

Side-by-side comparison with live CANNEX rate data

New York Life Insurance and Annuity Corporation (NYLIAC)

IndexFlex Fixed Annuity - FP Series

Index-Linked Growth with Principal Protection

Cap Rate

8.1%

Fixed Rate

2.75%

Free W/D

10%

A.M. BestA++
FitchAAA
Moody'sAa1
Standard & Poor'sAA+

Strategies (3)

Russell 2000 Index8.1% cap
S&P 500 Index7.5% cap
Fixed Account2.75%

Surrender (7 yrs)

Y1 8%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%

Waivers

Disability waiverNursing home waiverTerminal illness waiver
States0
Min Premium$10,000
Issue Age0–85

Best For

Investors age 18–85 (or 0–85 non-qualified) with at least $10,000 to invest who want stock market upside potential with guaranteed principal protection and are willing to lock in rates for 5–7 years.

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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