Preserve Multi-Year Guaranteed Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Clear Spring Life and Annuity Company

Preserve Multi-Year Guaranteed Annuity

Fixed annuity with guaranteed rates and tax-deferred growth

Free W/D

10%

A.M. BestA-

Surrender (10 yrs)

Y1 7%Y2 6%Y3 5%Y4 4%Y5 3%Y6 2%Y7 1%Y8 1%Y9 1%Y10 0.75%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age0–90

Best For

Conservative investors nearing or in retirement who prioritize safety and predictability over growth potential, want tax-deferred accumulation, and plan to hold the annuity through the guarantee period.

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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