Smart Start Accumulator vs Allianz 222

Side-by-side comparison with live CANNEX rate data

American National Insurance Company

Smart Start Accumulator

Market-linked growth with principal protection & smart entry timing

Cap Rate

10.75%

Participation

56%

Fixed Rate

3.35%

Free W/D

5%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (8)

Invesco QQQ Portfolio Plus Index56% part
Morningstar Global Wide Moat VC 7 Index89% part
Morningstar Wide Moat Focus Barclays VC 7% Index ER79% part
S&P 500 Dynamic Intraday TCA Index (USD) ER54% part
S&P 500 Index10.75% 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 approaching or in retirement who want market-linked growth with principal safety, flexibility for income needs, and tax-deferred accumulation without direct stock market exposure.

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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