MarketEarly Income Index vs Allianz 222

Side-by-side comparison with live CANNEX rate data

EquiTrust Life Insurance Company

MarketEarly Income Index

Guaranteed lifetime income + indexed growth potential

Cap Rate

5%

Participation

120%

Fixed Rate

3%

Free W/D

10%

A.M. BestB++
FitchA-
Standard & Poor'sA-

Strategies (5)

Barclays Focus50 Index120% part
S&P 500 Dynamic Intraday TCA Index (USD) ER50% part
S&P 500 Index5% cap
S&P MARC 5% Excess Return130% part
Fixed Account3%

Surrender (10 yrs)

Y1 9%Y2 8%Y3 7%Y4 6.5%Y5 5.5%Y6 4.5%Y7 3.5%Y8 2.5%Y9 1.5%Y10 0.5%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$10,000
Issue Age45–80

Best For

Individuals aged 45-80 who want guaranteed lifetime income starting in their 50s, can commit funds for 10 years, and value flexibility to access money when needed while protecting against running out of income in retirement.

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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