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Fixed Indexed Annuity

Allianz 360

Allianz

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4.25%

Best Cap

10%

Free W/D

50

Jurisdictions

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 360 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
$199,991
Est. value at age 80 (Allianz 360)
0%
Floor — index losses never reduce value
Allianz 360
✦
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 360's published cap rate (4.25% 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 360 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 360

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)

4.25% cap on S&P 500

A long-surrender fixed indexed annuity from an A+ rated carrier, built around recognizable S&P 500 cap exposure plus three proprietary participation-rate index sleeves, with lifetime income delivered through Allianz's Protected Income Value framework rather than an optional GLWB rider.

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

Best fit

Buyers committing to a long deferral who want recognizable S&P 500 cap and monthly-sum exposure alongside diversified proprietary participation-rate strategies, with lifetime income delivered through the contract's Protected Income Value framework rather than a separately-elected GLWB rider, all from a large A+ rated carrier.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.25% cap rate

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

S&P 500

S&P 500 Index

1.6% cap rate

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

Fixed Account

Fixed Account

2.7% 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: 80% · 1-yr

Bloomberg US Dynamic Balance II ER Index

participation

10-yr surrender

Par: 75% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrender

Cap: 4.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.7% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.6% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 65% · 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

360 Income Benefit - Income

Lifetime payout rate5.5% lifetime payout
Annual rider fee0.95% annual rider fee

Income rider

360 Income Benefit - Increasing Income

Lifetime payout rate4.9% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier-published Allianz 360 materials describe an interest bonus on credited interest before lifetime income withdrawals begin; this is an interest/PIV-style feature, not a premium bonus added directly to starting account value.
  • Crediting menu pairs a recognizable S&P 500 annual cap option with a separate S&P 500 monthly-sum cap variant, so buyers who want index-only exposure have two distinct mechanics on the same underlying without leaving the contract.
  • Proprietary participation-rate strategies span three different volatility-controlled index families (Bloomberg, PIMCO, and BlackRock), so a buyer is not concentrated in a single index sponsor if they choose to allocate outside the S&P 500 sleeves.
  • Issued by a large A+ rated carrier filed in 50 jurisdictions (every US state except New York, plus DC), so availability and carrier strength are not blocking factors outside of New York.
  • The full surrender ladder, free-withdrawal allowance, market-value adjustment, and nursing-home / RMD waivers are all visible on this page, so the schedule of penalty-free liquidity is not hidden behind a sales brochure.
  • A carrier product brochure is published as a structured document and appears in the documents section below.

What to confirm

  • This contract is NOT a GLWB-rider product. Allianz 360 delivers lifetime income through the Protected Income Value (PIV) framework — a separate income-tracking value built into the contract structure — rather than through an optional GLWB rider with a published withdrawal-rate column. The income guarantee IS the design; 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).
  • The only non-growth rider attached in the feed is the Allianz Income Multiplier Benefit, which is an activities-of-daily-living waiver — it can double income payments under qualifying health events, not provide a baseline guaranteed lifetime withdrawal.
  • The proprietary participation-rate strategies (Bloomberg US Dynamic Balance II ER, PIMCO Tactical Balanced ER, BlackRock iBLD Claria II ER) are volatility-controlled excess-return indexes. Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each on its own historical and forward characteristics.
  • Surrender period runs a full 10 years with a market-value adjustment in addition to the charge ladder, and the death benefit is plain cash-surrender-value with no step-up or roll-up — long-deferral commitment with limited legacy enhancements.
  • Minimum-premium and issue-age bounds are not consistently shown on this page — confirm contract minimums, maximum issue age (annuitization caps at 95), and any state-specific variations with the carrier before purchase.

Not ideal for

Buyers who need short-surrender liquidity, a plain MYGA-style declared rate, a contractually published GLWB withdrawal-rate rider (this contract delivers income through PIV, not a rider), or a death benefit with roll-up or step-up — those are not what this contract is built to deliver.

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See how Allianz 360 compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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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: 80% · 1-yr

Bloomberg US Dynamic Balance II ER Index

participation

10-yr surrender

Par: 75% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrender

Cap: 4.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.7% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.6% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender

Par: 65% · 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

360 Income Benefit - Level Income

Lifetime withdrawal rate5.5%
Annual rider fee0.95%
Withdrawal-base growthNot shown

GLWB

Income rider

360 Income Benefit - Increasing Income

Lifetime withdrawal rate4.9%
Annual rider fee0.95%
Withdrawal-base growthNot shown

GLWB

Linked review

Allianz 360 review notes

Explore the Allianz 360 Fixed Indexed Annuity, its unique features, rates, and whether it's ideal for your retirement needs. Read now!

4/5Read review
Nikhil Bhauwala

Common questions about Allianz 360

● Can I lose money in Allianz 360?

In a year the index falls, Allianz 360 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 360 Income Benefit - Level Income income rider worth the 0.95% fee?

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 5.5% 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 360 compare to other FIAs?

Use "Compare against" in the analyzer to overlay Allianz 360 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

2

Nursing home waiver, RMD 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, RMD waiver, Surrender waivers

Documents

brochure

CB54370-3.pdf

Confidence: highReviewed Apr 3, 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 360 currently shows 8 distinct indexed or fixed crediting choices across 12 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: 4.25% cap
  • S&P 500 Index: 1.6% cap
  • Fixed Account: 2.7% fixed

Income rider language

What to look for before treating the rider as income

360 Income Benefit - Level Income 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.

  • 5.5% withdrawal rate
  • 0.95% rider fee

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
  • RMD waiver

Verification note

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

Carrier materials such as CB54370-3.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 360 compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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