MarketEdge Bonus Index vs Allianz 222

Side-by-side comparison with live CANNEX rate data

EquiTrust Life Insurance Company

MarketEdge Bonus Index

20% Bonus FIA with Volatility-Controlled Index Options

Cap Rate

6.5%

Participation

90%

Fixed Rate

2.25%

Free W/D

10%

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

Strategies (7)

Barclays Focus50 Index90% part
S&P 500 Dynamic Intraday TCA Index (USD) ER50% part
S&P 500 Dynamic Intraday TCA Index (USD) ER35% part
S&P 500 Index6.5% cap
S&P 500 Index1.5% cap

Surrender (10 yrs)

Y1 16%Y2 14.5%Y3 13%Y4 11.5%Y5 10%Y6 9%Y7 8%Y8 7%Y9 6%Y10 4%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$10,000
Issue Age0–80

Best For

Investors age 0-80 seeking tax-deferred accumulation with modest downside protection, who value immediate bonuses and the flexibility to withdraw up to 10% annually without penalties.

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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