OrionShield 7 with Premium Bonus vs Allianz 222

Side-by-side comparison with live CANNEX rate data

AuguStar Financial

OrionShield 7 with Premium Bonus

Growth + Protection for Your Retirement

Cap Rate

6.25%

Participation

75%

Fixed Rate

2.45%

Free W/D

10%

A.M. BestA
FitchA-
Moody'sBaa1

Strategies (8)

Dynamic Balanced Asset 10 Index75% part
Multi-Asset Dynamic Managed 5 Index163% part
Nasdaq Night Owl Index58% part
S&P 500 Dynamic Intraday TCA Index (USD) ER56% part
S&P 500 Index6.25% cap

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 at or nearing retirement who have assets they can't afford to lose, want growth potential without market risk, and are concerned about market volatility and bad timing in retirement.

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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