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Fixed Indexed Annuity

Allianz 222+

Allianz

4.5%

Best Cap

10%

Free W/D

49

Jurisdictions

Product data status: May 25, 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.

Live product data

Rates as of May 25, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 cap rate (PIV chassis)

4.5% cap on S&P 500

The 49-state filing of Allianz's 222 product family — 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 in 49 states (OR residents see Allianz 222) 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

49 jurisdictions (excl. New York, Oregon)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

1.7% cap rate

S&P 500

S&P 500 Index

4.5% cap rate

S&P 500

S&P 500 Index

100% participation rate + 3.65% declared rate

Fixed Account

Fixed Account

2.8% declared rate

+ 8 volatility-controlled index options (Bloomberg US, PIMCO, S&P 500...)

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.
  • Filed in 49 states — the broad national footprint for Allianz's 222 product family. Oregon residents see the sibling filing, Allianz 222 (A000BH).
  • 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.

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.
  • Not available in OR (where the sibling filing Allianz 222 applies) or NY (no Allianz 222 filing on either ID).

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. NY residents — no Allianz 222 filing applies.

All crediting strategies

View rate listings (22 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: 100% + Fixed: 3.65% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 85% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

10-yr surrender

Par: 80% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrender

Par: 55% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

participation

10-yr surrender

Par: 50% · 1-yr

Blended Futures Index

participation

10-yr surrender

Par: 45% · 1-yr

S&P 500 Futures Excess Return Index

participation

10-yr surrender

Par: 45% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value · 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% + Fixed: 3.65% · 1-yr

S&P 500 Index

Par: 85% · 1-yr

Bloomberg US Dynamic Balance III ER Index

Par: 80% · 1-yr

PIMCO Tactical Balanced ER Index

Par: 55% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

Par: 50% · 1-yr

Blended Futures Index

Par: 45% · 1-yr

S&P 500 Futures Excess Return Index

Par: 45% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value

Cap: 4.5% · 1-yr

S&P 500 Index

Fixed: 2.8% · 1-yr

Fixed Account

Cap: 1.7% · 1-yr

S&P 500 Index

Rate not shown · 2-yr

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

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

Rate not shown · 5-yr

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

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

Income riders

Income is built into the contract, not an optional rider

This contract delivers lifetime income through the carrier’s Protected Income Value (PIV) chassis — the contract itself, not a separately-elected GLWB rider with its own fee. See the review for how the PIV mechanism works and how it compares to rider-led products.

Linked review

Allianz 222+ review notes

In-depth Allianz 222+ annuity review: features, income benefits, bonuses, rates, riders, pros & cons. Learn if it’s right for your retirement.

4.5/5Read review
Nikhil Bhauwala

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

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.15%

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

8.85%

Yr 2

7.85%

Yr 3

7.8%

Yr 4

6.75%

Yr 5

5.7%

Yr 6

4.65%

Yr 7

3.6%

Yr 8

2.55%

Yr 9

1.5%

Yr 10

0.45%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

222PL-001.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 12 distinct indexed or fixed crediting choices across 22 current rate listings, including S&P 500 Index and S&P 500 Futures Excess Return Index, with 7 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: 1.7% cap
  • S&P 500 Index: 4.5% cap
  • S&P 500 Index: 100% participation

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 222PL-001.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

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