Smart Start Accumulator Plus vs Allianz 222

Side-by-side comparison with live CANNEX rate data

American National Insurance Company

Smart Start Accumulator Plus

Smart Start Your Savings, Grow Protected

Cap Rate

6.5%

Participation

41%

Fixed Rate

2.85%

Free W/D

5%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (8)

Invesco QQQ Portfolio Plus Index41% part
Morningstar Global Wide Moat VC 7 Index64% part
Morningstar Wide Moat Focus Barclays VC 7% Index ER59% part
S&P 500 Dynamic Intraday TCA Index (USD) ER40% part
S&P 500 Index6.5% cap

Surrender (10 yrs)

Y1 9%Y2 8.1%Y3 7.2%Y4 6.4%Y5 5.5%Y6 4.6%Y7 3.7%Y8 2.7%Y9 1.8%Y10 0.9%

Waivers

Disability waiverNursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age0–85

Best For

Investors who want market-linked growth potential with guaranteed principal protection, prefer a simple hands-off approach to portfolio allocation, and need flexible access to their funds.

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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