NAC VersaChoice 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

North American Company for Life and Health Insurance

NAC VersaChoice 10

Growth + Flexibility + Downside Protection

Cap Rate

8.8%

Participation

250%

Fixed Rate

2.85%

Free W/D

10%

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

Strategies (12)

Fidelity Multifactor Yield Index 5% ER250% part
Fidelity Multifactor Yield Index 5% ER100% part
Goldman Sachs Equity TimeX Index75% part
Goldman Sachs Equity TimeX Index55% part
Morgan Stanley Dynamic Global Index250% part

Surrender (10 yrs)

Y1 10%Y2 10%Y3 9%Y4 9%Y5 8%Y6 8%Y7 7%Y8 6%Y9 4%Y10 2%
States50
Min Premium$20,000
Issue Age0–79

Best For

Retirees and near-retirees age 0-79 who want growth potential tied to market performance but need downside protection, flexibility to access funds, and tax-deferred accumulation—particularly those concerned about long-term care costs who would benefit from the optional ELB rider.

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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