New Heights Select 12 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Nationwide Life Insurance Company

New Heights Select 12

Index-linked growth with downside protection & lifetime income

Participation

225%

Fixed Rate

0.1%

Free W/D

7%

A.M. BestA+
Moody'sA1
Standard & Poor'sA+

Strategies (16)

Goldman Sachs New Horizons Index225% part
Goldman Sachs New Horizons Index125% part
J.P. Morgan Mozaic II Index160% part
J.P. Morgan Mozaic II Index100% part
Loomis Sayles Discovery Index160% part

Surrender (12 yrs)

Y1 10%Y2 10%Y3 10%Y4 10%Y5 10%Y6 9.5%Y7 9%Y8 8%Y9 7%Y10 6%Y11 5%Y12 4%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States26
Min Premium$25,000
Issue Age0–64

Best For

Individuals age 40-80 seeking retirement income who want exposure to market gains while protecting against market declines and prefer predictable lifetime income.

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.

Want the full picture?

Get a personalized comparison report with year-by-year projections for both products based on your age, premium, and goals.

Build My Comparison Report

More Comparisons

All FIA RatesAll MYGA RatesCompare ToolFree Report