Top Ridge Bonus Annuity vs Allianz 222

Side-by-side comparison with live CANNEX rate data

Security Benefit Life Insurance Company

Top Ridge Bonus Annuity

Market-protected growth with first-year bonus

Cap Rate

6.75%

Participation

150%

Fixed Rate

3.25%

Free W/D

10%

A.M. BestA-
Standard & Poor'sA-

Strategies (13)

Morgan Stanley Global Equity Allocator Index150% part
Morgan Stanley Global Equity Allocator Index105% part
MSCI BofA US Dualcast Index125% part
MSCI BofA US Dualcast Index90% part
MSCI EAFE Index6.75% cap

Surrender (10 yrs)

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

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$25,000
Issue Age0–80

Best For

People approaching retirement or already retired who want to reduce market risk, need access to emergency funds, and seek tax-deferred growth with principal protection.

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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