Lincoln Set 5 II vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Lincoln Financial

Lincoln Set 5 II

Protected Growth. Index-Linked Upside. Zero Downside Risk.

Cap Rate

8.15%

Participation

100%

Fixed Rate

3%

Free W/D

10%

A.M. BestA
FitchA+
Moody'sA2
Standard & Poor'sA+

Strategies (3)

S&P 500 Daily Risk Control 10% USD Excess Return Index100% part
S&P 500 Index8.15% cap
Fixed Account3%

Surrender (5 yrs)

Y1 9.25%Y2 8.25%Y3 7.25%Y4 6.25%Y5 5.2%

Waivers

Nursing home waiverTerminal illness waiver
States52
Min Premium$10,000
Issue Age0–85

Best For

Retirees and near-retirees with sufficient liquid assets for emergencies who want to protect their principal from market losses while maintaining growth potential and the flexibility to access funds as needed.

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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