Orbiter Growth 7 with Premium Bonus vs Allianz 222

Side-by-side comparison with live CANNEX rate data

AuguStar Financial

Orbiter Growth 7 with Premium Bonus

Growth with downside protection for retirement

Cap Rate

6.95%

Participation

119%

Fixed Rate

2.5%

Free W/D

10%

A.M. BestA
FitchA-
Moody'sBaa1

Strategies (8)

Barclays Global Trailblazer Index119% part
S&P 500 Index6.95% cap
US Balanced Asset 10 Index69% part
US Daily Risk Managed 12 Index58% part
US Multi-Asset Diversified 5 Index136% part

Surrender (7 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%

Waivers

Nursing home waiver
States51
Min Premium$25,000
Issue Age18–80

Best For

People nearing retirement or already retired who have assets they can't afford to lose but want growth potential above bond or CD returns, and are concerned about market volatility.

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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