SPDA Series II vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Integrity Life Insurance Company (W&S)

SPDA Series II

Fixed Annuity with Guarantees & Flexible Access

Free W/D

10%

A.M. BestA+
FitchAA
Moody'sAa3
Standard & Poor'sAA-

Surrender (7 yrs)

Y1 7%Y2 7%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%

Waivers

Nursing home waiverTerminal illness waiverUnemployment waiver
States48
Min Premium$3,000
Issue Age18–85

Best For

Conservative investors and retirees seeking guaranteed, tax-deferred growth with principal protection, flexibility to access funds without penalties, and the ability to roll over retirement plan balances.

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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