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Fixed Indexed Annuity

Allianz 222

Allianz

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4.5%

Best Cap

10%

Free W/D

Oregon

Only state

Product data status: June 27, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Allianz 222 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 27, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$207,307
Est. value at age 80 (Allianz 222)
0%
Floor — index losses never reduce value
Allianz 222
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Allianz 222's published cap rate (4.5% on S&P 500 Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 27, 2026.

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See how Allianz 222 compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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Live rate data

Run live numbers for Allianz 222

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Allianz product.

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 cap rate (PIV chassis)

4.5% cap on S&P 500

A long-surrender fixed indexed annuity from an A-rated carrier with a built-in Protected Income Value income mechanism (no separate GLWB rider), plus a mix of S&P 500 cap exposure and proprietary participation-rate accumulation strategies.

Built-in income — no rider feeAnnual creditingAdvisorWorld + CANNEX data

Best fit

Buyers committing to a long deferral who want lifetime income delivered through the contract's own PIV mechanism rather than an optional rider with a separate fee, and who can use the accumulation strategies as a secondary growth vehicle.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

Oregon only

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.5% cap rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

1.7% cap rate

1-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

2.8% declared rate

1-year term · 10-year surrender · Premium band not shown

+ 5 additional crediting options (Bloomberg US, PIMCO, 2-year MY...)
View rate listings (8 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 85% · 1-yr

Bloomberg US Dynamic Balance II ER Index

participation

10-yr surrender

Par: 80% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrender

Cap: 4.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.8% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.7% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 100% · 1-yr

BlackRock iBLD Claria II Excess Return Index

participation

10-yr surrender

Rate not shown · 2-yr

2-year MY Point-to-Point with Participation Rate

2-year MY Point-to-Point with Participation Rate · unknown

10-yr surrender

Rate not shown · 5-yr

5-year MY Point-to-Point with Participation Rate

5-year MY Point-to-Point with Participation Rate · unknown

10-yr surrender

Lifetime Income Riders

Income rider

Protected Income Value

Lifetime payout rate5% lifetime payout
Interest multiplier1.5x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Income mechanism is built into the base contract via the Protected Income Value (PIV), not bolted on as an optional rider with its own fee. Buyers comparing to GLWB-rider products should recognize the structural difference.
  • Crediting design offers both a recognizable S&P 500 cap option and proprietary participation-rate strategies, so buyers can choose between like-for-like comparison and higher-participation alternatives.
  • Carrier financial-strength is rated by more than one agency, so the strength view is not a single-source read.
  • Free-withdrawal allowance and the full surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.

What to confirm

  • This contract is NOT a GLWB-rider product. The income story is the carrier's Protected Income Value framework, which is structurally different from a guaranteed-lifetime-withdrawal rider — do not compare its lifetime payout side-by-side with a rider-led product without accounting for the mechanic difference (PIV is a tracked income value with deferral rules, not an account-value withdrawal rate).
  • Some of the index options are proprietary, volatility-controlled indexes. Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.
  • Minimum premium and issue-age bounds are not always shown on this page — confirm contract minimums and eligibility with the carrier before purchase.
  • The Allianz Income Multiplier Benefit shown on this page is an activities-of-daily-living waiver, not the same as the base PIV income mechanism — read each contract feature on its own terms.

Not ideal for

Buyers who need short-surrender liquidity, a plain MYGA-style declared rate, or a contractually-guaranteed GLWB-rider withdrawal rate with rider-specific terms — those are not what this contract is built to deliver.

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All crediting strategies

View rate listings (8 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 85% · 1-yr

Bloomberg US Dynamic Balance II ER Index

participation

10-yr surrender

Par: 80% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrender

Cap: 4.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.8% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.7% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 100% · 1-yr

BlackRock iBLD Claria II Excess Return Index

participation

10-yr surrender

Rate not shown · 2-yr

2-year MY Point-to-Point with Participation Rate

2-year MY Point-to-Point with Participation Rate · unknown

10-yr surrender

Rate not shown · 5-yr

5-year MY Point-to-Point with Participation Rate

5-year MY Point-to-Point with Participation Rate · unknown

10-yr surrender

Income riders

Income rider

Protected Income Value

Lifetime withdrawal rate5%
Annual rider feeNot shown
Withdrawal-base growth1.5× multiplier

GLWB

Linked review

Allianz 222 review notes

Understand the Allianz 222 Fixed Indexed Annuity: rates, features, riders, and company details. A comprehensive review for informed decisions.

3.5/5As Allianz is one of the strongest life insurance companies in the world, it may prove to be an ideal policy for a very conservative annuitant who is looking for income protection above anything.Read review

CFA take

“As Allianz is one of the strongest life insurance companies in the world, it may prove to be an ideal policy for a very conservative annuitant who is looking for income protection above anything.”

Nikhil Bhauwala

Common questions about Allianz 222

● Can I lose money in Allianz 222?

In a year the index falls, Allianz 222 credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Protected Income Value income rider worth it?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does Allianz 222 compare to other FIAs?

Use "Compare against" in the analyzer to overlay Allianz 222 with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.25%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

Strategy guarantee

Minimum guaranteed participation: 5.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

10%

Yr 3

10%

Yr 4

8.75%

Yr 5

7.5%

Yr 6

6.25%

Yr 7

5%

Yr 8

3.75%

Yr 9

2.5%

Yr 10

1.25%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

allianz222.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PAa3
S&PAA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Allianz 222 currently shows 8 distinct indexed or fixed crediting choices across 18 current rate listings, including S&P 500 Index and Fixed Account, with 5 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.5% cap
  • S&P 500 Index: 1.7% cap
  • Fixed Account: 2.8% fixed

Income rider language

What to look for before treating the rider as income

Protected Income Value is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 5% withdrawal rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as allianz222.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Allianz 222 compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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