NAC Guaranteed Allocation vs Allianz 222

Side-by-side comparison with live CANNEX rate data

North American Company for Life and Health Insurance

NAC Guaranteed Allocation

Guaranteed rates for 3-5 years with penalty-free access

Cap Rate

12%

Participation

50%

Fixed Rate

3.4%

Free W/D

10%

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

Strategies (6)

S&P 500 Dynamic Intraday TCA Index (USD) ER50% part
S&P 500 Index12% cap
S&P Commodity Risk Premia Diversifier TCA Index (USD) ER90% part
S&P MARC 5% Excess Return120% part
Fixed Account--

Surrender (10 yrs)

Y1 10%Y2 10%Y3 9%Y4 9%Y5 8%Y6 8%Y7 7%Y8 6%Y9 4%Y10 2%

Waivers

Nursing home waiver
States50
Min Premium$20,000
Issue Age0–79

Best For

Retirees and near-retirees who want to lock in guaranteed returns, preserve capital, maintain some liquidity through penalty-free withdrawals, and have the flexibility to renew their contract or start income payments after the guarantee period.

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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