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Fixed Indexed Annuity

Allianz Accumulation Advantage 5

Allianz

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9.75%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 1, 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, 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 July 1, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$309,222
Est. value at age 80 (Allianz Accumulation Advantage 5)
9.75%
Best S&P 500 1-yr point-to-point cap
Nasdaq-100 Index — 9.5% 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 (9.5% on Nasdaq-100 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 July 1, 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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Live rate data

Run live numbers for Allianz Accumulation Advantage 5

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

Live product data

Rates as of July 1, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.75% 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 termAdvisorWorld + 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

9.75% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.45% trigger rate

Performance trigger

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9.5% cap rate

Annual cap

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

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

7.4% trigger rate

Performance trigger

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.6% declared rate

Fixed account

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

Rate varies by premium band.

+ 12 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 (24 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: 180% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

5-yr surrender$100,000+

Par: 170% · 1-yr

PIMCO Tactical Balanced ER Index

participation

5-yr surrender$100,000+

Par: 65% · 1-yr

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

participation

5-yr surrender$100,000+

Cap: 10% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Trigger: 7.6% · 1-yr

Russell 2000 Index

trigger

5-yr surrender$100,000+

Trigger: 7.45% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.4% · 1-yr

Nasdaq-100 Index

trigger

5-yr surrender$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Rate not shown · 2-yr

2-Year MY Point-to-Point Participation Rate

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

5-yr surrender$100,000+

Rate not shown · 2-yr

2-Year MY Point-to Point Participation Rate

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

5-yr surrender$100,000+

Par: 160% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

5-yr surrenderUp to $99,999.99

Par: 145% · 1-yr

PIMCO Tactical Balanced ER Index

participation

5-yr surrenderUp to $99,999.99

Par: 55% · 1-yr

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

participation

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

Russell 2000 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.25% · 1-yr

Nasdaq-100 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 5.6% · 1-yr

Russell 2000 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 5.45% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 5.4% · 1-yr

Nasdaq-100 Index

trigger

5-yr surrenderUp to $99,999.99

Fixed: 4.1% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Rate not shown · 2-yr

2-Year MY Point-to-Point Participation Rate

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

5-yr surrenderUp to $99,999.99

Rate not shown · 2-yr

2-Year MY Point-to Point Participation Rate

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

5-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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 surrender period runs 5 years; after that you reach full liquidity. 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 current 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.

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

8.5%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA+
S&PAa3
S&PAA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Allianz Accumulation Advantage 5 currently shows 21 distinct indexed or fixed crediting choices across 29 current rate listings, including S&P 500 Index and Nasdaq-100 Index, with 13 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.75% annual cap
  • S&P 500 Index: 7.25% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Nasdaq-100 Index: 9.5% annual cap

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 data returned 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

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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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