North American Charter Plus 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

North American Company for Life and Health Insurance

North American Charter Plus 10

Index-linked growth with downside protection

Cap Rate

6%

Participation

60%

Fixed Rate

2.7%

Free W/D

10%

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

Strategies (16)

Barclays Transitions 12% Index60% part
Barclays Transitions 12% Index40% part
Barclays Transitions 6% Index120% part
Barclays Transitions 6% Index75% part
Fidelity Multifactor Yield Index 5% ER110% part

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

Pre-retirees and retirees seeking a balance between growth potential and principal protection who are comfortable with a 10-year commitment and want guaranteed income flexibility.

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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