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Fixed Indexed Annuity

Allianz Accumulation Advantage 5

Allianz

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10.5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: September 18, 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 Accumulation Advantage 5 would do for you

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

Product analyzer
Illustrative — live CANNEX rates as of September 18, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$313,471
Est. value at age 80 (Allianz Accumulation Advantage 5)
10.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.5% Cap (Annual)
✦
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 Accumulation Advantage 5's published cap rate (10.5% on S&P 500 Index) to a standard benchmark 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 September 18, 2026.

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See how Allianz Accumulation Advantage 5 compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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rate data

Run numbers for Allianz Accumulation Advantage 5

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

Live product data

Rates as of September 18, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

10.5% cap on S&P 500

A shorter-surrender accumulation fixed indexed annuity from a top-rated carrier, built around a mix of recognizable S&P 500, Nasdaq-100, and Russell 2000 crediting strategies alongside proprietary volatility-controlled participation options.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want fixed indexed annuity crediting from a top-rated carrier but are not willing to commit capital for the carrier's full long-deferral period, and who plan to use the contract for accumulation rather than a contractually guaranteed lifetime withdrawal.

AM Best

A+ Superior

Surrender period

5 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

10.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

S&P 500

S&P 500 Index

7.95% trigger rate

Performance trigger

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

9.5% cap rate

Annual cap

1-year term · 5-year surrender · $100,000+

Nasdaq-100

Nasdaq-100 Index

7.5% trigger rate

Performance trigger

1-year term · 5-year surrender · $100,000+

Fixed Account

Fixed Account

4.8% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

+ 13 additional crediting options (Russell 2000, S&P 500, PIMCO...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender period is materially shorter than the carrier's flagship long-deferral FIAs, so capital is contractually accessible without penalty sooner than the Allianz family norm.
  • Crediting menu spans recognizable index caps (S&P 500, Nasdaq-100, Russell 2000), trigger strategies on the same three indexes, and proprietary volatility-controlled participation strategies — so buyers can pick a like-for-like S&P comparison or a higher-participation alternative.
  • Free-withdrawal allowance, full surrender ladder, and MVA presence are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.
  • Carrier financial-strength is rated by three independent agencies on this page, so the strength view is not a single-source read.
  • Nursing-home and RMD surrender-charge waivers are part of the contract, so the two most common penalty-free exit events do not require a separate rider.

What to confirm

  • This contract has no guaranteed-lifetime-withdrawal rider in the live feed — it is not a substitute for a rider-led income product and should not be compared to one on lifetime payout.
  • Caps and participation rates on a shorter-surrender FIA are structurally expected to be lower than the carrier's long-surrender contracts; do not benchmark this product against ten-year Allianz FIAs and conclude crediting is weak.
  • Several 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.
  • The fixed-account declared rate on this page shifts at a premium-band threshold; the headline cap is on indexed strategies and is not the same number as the fixed account rate — confirm which strategy a buyer's premium will sit in.
  • Not available in every state — confirm filing in the buyer's state from the state-availability list on this page before quoting.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, a plain MYGA-style declared rate, or the highest available index caps — a longer-surrender FIA or a rider-led income contract from the same carrier family will fit those goals better.

Free Comparison Report

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See how Allianz Accumulation Advantage 5 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 (28 strategies)

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

Par: 275% · 1-yr

Bloomberg US Dynamic Balance III ER Index

2-Year MY Point-to Point Participation Rate — year 2 · participation

5-yr surrender$100,000+

Par: 255% · 1-yr

PIMCO Tactical Balanced ER Index

2-Year MY Point-to-Point Participation Rate — year 2 · participation

5-yr surrender$100,000+

Par: 250% · 1-yr

Bloomberg US Dynamic Balance III ER Index

2-Year MY Point-to Point Participation Rate — year 1 · participation

5-yr surrender$100,000+

Par: 230% · 1-yr

PIMCO Tactical Balanced ER Index

2-Year MY Point-to-Point Participation Rate — year 1 · participation

5-yr surrender$100,000+

Par: 185% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

5-yr surrender$100,000+

Par: 185% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

5-yr surrender$100,000+

Par: 175% · 1-yr

PIMCO Tactical Balanced ER Index

participation

5-yr surrender$100,000+

Par: 175% · 1-yr

PIMCO Tactical Balanced ER Index

participation

5-yr surrender$100,000+

Par: 95% · 1-yr

S&P 500 Futures Daily Risk Control 5% Index Excess Return

2-Year MY Point-to-Point Participation Rate — year 2 · participation

5-yr surrender$100,000+

Par: 75% · 1-yr

S&P 500 Futures Daily Risk Control 5% Index Excess Return

2-Year MY Point-to-Point Participation Rate — year 1 · participation

5-yr surrender$100,000+

Par: 70% · 1-yr

S&P 500 Futures Daily Risk Control 5% Index Excess Return

participation

5-yr surrender$100,000+

Par: 70% · 1-yr

S&P 500 Futures Daily Risk Control 5% Index Excess Return

participation

5-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 10.25% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 10.25% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Trigger: 7.95% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.95% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.7% · 1-yr

Russell 2000 Index

trigger

5-yr surrender$100,000+

Trigger: 7.7% · 1-yr

Russell 2000 Index

trigger

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

Nasdaq-100 Index

trigger

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

Nasdaq-100 Index

trigger

5-yr surrender$100,000+

Fixed: 4.8% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Fixed: 4.8% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Rate not shown · 2-yr

Index not shown

2-Year MY Point-to-Point Participation Rate · unknown

5-yr surrender$100,000+

Rate not shown · 2-yr

Index not shown

2-Year MY Point-to Point Participation Rate · unknown

5-yr surrender$100,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Allianz Accumulation Advantage 5

● Can I lose money in Allianz Accumulation Advantage 5?

A negative index return by itself does not reduce the contract's account value: Allianz Accumulation Advantage 5 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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.

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

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Allianz Accumulation Advantage 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Allianz Accumulation Advantage 5 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

0.15%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8.5%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, RMD waiver

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA+
Moody'sAa3
S&PAA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Allianz Accumulation Advantage 5 currently shows 27 distinct indexed or fixed crediting choices across 28 displayed rate entries, including S&P 500 Index, with 17 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: 10.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.5% annual cap
  • S&P 500 Index: 7.95% annual trigger rate, 0% annual strategy fee
  • S&P 500 Index: 7.95% annual trigger 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
  • 5 surrender years
  • Nursing home waiver
  • RMD waiver

Verification note

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

This page uses the current structured product information for the contract. 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

Get an Allianz Accumulation Advantage 5 rate report

See how Allianz Accumulation Advantage 5 compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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