Prosperity Elite 10 vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Fidelity and Guaranty

Prosperity Elite 10

Fixed Indexed Annuity with Bonus & Income Options

Cap Rate

8.25%

Participation

195%

Fixed Rate

3.75%

Free W/D

10%

A.M. BestA
FitchA-
Moody'sA3
Standard & Poor'sA-

Strategies (9)

Barclays Trailblazer Sectors 5 Index195% part
CIBC Balanced 5% Volatility Control ER Index200% part
CIBC Balanced 5% Volatility Control ER Index145% part
Gold Commodity / LBMA Gold Price PM8.25% cap
Goldman Sachs Global Factor Index260% part

Surrender (10 yrs)

Y1 12%Y2 11%Y3 10%Y4 9%Y5 8%Y6 7%Y7 6%Y8 5%Y9 4%Y10 3%

Waivers

Home health care riderNursing home waiverTerminal illness waiver
States51
Min Premium$10,000
Issue Age0–80

Best For

Investors age 18–85 seeking tax-deferred growth with downside protection, flexibility to access funds, and optional guaranteed lifetime income for retirement planning.

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