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Fixed Indexed Annuity

Allianz Accumulation Advantage+

Allianz

5.25%

Best Cap

10%

Free W/D

50

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 annual cap rate

5.25% cap on S&P 500

A ten-year, accumulation-only fixed indexed annuity from a tri-agency-rated carrier that adds an upfront premium bonus (with a multi-year vesting schedule) on top of a deep crediting menu pairing recognizable S&P 500 cap, monthly-sum, and trigger options with several proprietary participation-rate indexes — each available in a no-fee or fee-enhanced variant.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can lock principal for the full ten-year surrender and vesting window, want an upfront premium bonus added to their accumulation value at issue, and value a wide crediting menu that lets them mix recognizable S&P 500 options with proprietary participation-rate strategies from a tri-agency-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

1.6% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

5.25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

2.1% cap rate

S&P 500

S&P 500 Index

7% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 5.25% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 5.5% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

2.9% declared rate

Rate varies by premium band.

+ 16 volatility-controlled index options (Blended Futures, Bloomberg US, PIMCO...)

Product analyst notes

How to think about this contract

Why it can stand out

  • The contract carries a premium bonus that is credited to the accumulation value at issue and vests over a multi-year schedule shown in the live feed — this is the structural feature that distinguishes the '+' contract from the carrier's plain Accumulation Advantage filing, which has no bonus.
  • Crediting menu is unusually wide for a single FIA — the live feed exposes a fixed account, an S&P 500 annual point-to-point cap, an S&P 500 monthly-sum cap, an S&P 500 trigger strategy, and a slate of proprietary participation-rate indexes (Bloomberg US Dynamic Balance III, PIMCO Tactical Balanced, Morgan Stanley Strategic Trends 10, Blended Futures), so buyers can hold like-for-like S&P comparison options alongside higher-participation volatility-controlled strategies in the same contract.
  • Several index options are also offered in an 'Enhanced with Allocation Charge' variant that lifts the cap or participation in exchange for an annual strategy fee — buyers who want to pay for a richer crediting curve have that lever available without leaving the contract.
  • Carrier financial strength is rated by three agencies (A.M. Best, Moody's, Standard & Poor's) so the strength view on this page is triangulated rather than single-sourced, and the full ten-year surrender ladder, free-withdrawal allowance, MVA flag, and surrender waivers (nursing-home and RMD) are all visible on this page rather than buried in a brochure.
  • Ownership and annuitization structure is flexible — single, joint, trust, and corporate ownership are permitted, and both single-life and joint-life annuitization options are available.

What to confirm

  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached. The 'Allianz Income Multiplier Benefit' that appears on this contract is an activities-of-daily-living waiver, not a lifetime-income rider — do not read it as a guaranteed payout for life.
  • The premium bonus is not free money. The vesting schedule in the live feed shows the bonus is forfeitable on early surrender for the duration of the schedule, and the surrender period runs a full ten years with a steep first-year charge — confirm with the carrier exactly how much of the bonus a buyer keeps if the contract is surrendered before the vesting completes.
  • The 'Enhanced with Allocation Charge' strategy variants carry a recurring annual strategy fee deducted from the accumulation value regardless of index performance — the enhanced cap or participation has to outrun that drag every year to be worth choosing over the unenhanced version of the same strategy.
  • Several index options are proprietary, volatility-controlled indexes whose participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits and its own back-tested behavior, not on the headline participation number alone.
  • A market value adjustment applies on surrenders above the free-withdrawal allowance, which can move the actual amount received up or down with interest rates — confirm with the carrier how the MVA is computed before any planned partial surrender.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, short-surrender liquidity, a simple MYGA-style declared rate, or who are unwilling to forfeit unvested bonus on early surrender — none of those match what this contract is structured to deliver.

All crediting strategies

View rate listings (42 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: 125% · 1-yr

Bloomberg US Dynamic Balance III ER Index

Enhanced with Allocation Charge · participation

10-yr surrender$100,000+

Par: 115% · 1-yr

PIMCO Tactical Balanced ER Index

Enhanced with Allocation Charge · participation

10-yr surrender$100,000+

Par: 100% + Fixed: 5.25% · 1-yr

S&P 500 Index

trigger

10-yr surrender$100,000+

Par: 100% + Fixed: 5.5% · 1-yr

S&P 500 Index

Enhanced with Allocation Charge · trigger

10-yr surrender$100,000+

Par: 85% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

10-yr surrender$100,000+

Par: 75% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrender$100,000+

Par: 70% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value Enhanced with Charge · participation

10-yr surrender$100,000+

Par: 65% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

Enhanced with Allocation Charge · participation

10-yr surrender$100,000+

Par: 60% · 1-yr

Blended Futures Index

Enhanced with Allocation Charge · participation

10-yr surrender$100,000+

Par: 47% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value · participation

10-yr surrender$100,000+

Par: 45% · 1-yr

S&P 500 Futures Excess Return Index

Enhanced with Allocation Charge · participation

10-yr surrender$100,000+

Par: 40% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

participation

10-yr surrender$100,000+

Par: 35% · 1-yr

Blended Futures Index

participation

10-yr surrender$100,000+

Par: 30% · 1-yr

S&P 500 Futures Excess Return Index

participation

10-yr surrender$100,000+

Cap: 7% · 1-yr

S&P 500 Index

Enhanced with Allocation Charge · cap

10-yr surrender$100,000+

Cap: 5.25% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 2.9% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Cap: 2.1% · 1-yr

S&P 500 Index

Enhanced with Allocation Charge · monthly_sum_cap

10-yr surrender$100,000+

Cap: 1.6% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrender$100,000+

Par: 125% · 1-yr

Bloomberg US Dynamic Balance III ER Index

Enhanced with Allocation Charge

$100,000+

Par: 115% · 1-yr

PIMCO Tactical Balanced ER Index

Enhanced with Allocation Charge

$100,000+

Par: 100% + Fixed: 5.25% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 5.5% · 1-yr

S&P 500 Index

Enhanced with Allocation Charge

$100,000+

Par: 85% · 1-yr

Bloomberg US Dynamic Balance III ER Index

$100,000+

Par: 75% · 1-yr

PIMCO Tactical Balanced ER Index

$100,000+

Par: 70% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value Enhanced with Charge

$100,000+

Par: 65% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

Enhanced with Allocation Charge

$100,000+

Par: 60% · 1-yr

Blended Futures Index

Enhanced with Allocation Charge

$100,000+

Par: 47% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value

$100,000+

Par: 45% · 1-yr

S&P 500 Futures Excess Return Index

Enhanced with Allocation Charge

$100,000+

Par: 40% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

$100,000+

Par: 35% · 1-yr

Blended Futures Index

$100,000+

Par: 30% · 1-yr

S&P 500 Futures Excess Return Index

$100,000+

Cap: 7% · 1-yr

S&P 500 Index

Enhanced with Allocation Charge

$100,000+

Cap: 5.25% · 1-yr

S&P 500 Index

$100,000+

Fixed: 2.9% · 1-yr

Fixed Account

$100,000+

Cap: 1.6% · 1-yr

S&P 500 Index

$100,000+

Cap: 1.6% · 1-yr

S&P 500 Index

Enhanced with Allocation Charge

$100,000+

Rate not shown · 2-yr

2-Year MY Point-to-Point w/Participation Rate

2-Year MY Point-to-Point w/Participation Rate

$100,000+

Rate not shown · 2-yr

2-Year MY Point-to-Point w/Par Rate w/Charge

2-Year MY Point-to-Point w/Par Rate w/Charge

$100,000+

Rate not shown · 5-yr

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

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

$100,000+

Rate not shown · 5-yr

5-Year MY Point-to-Point w/Par Rate w/Charge

5-Year MY Point-to-Point w/Par Rate w/Charge

$100,000+

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.

Linked review

Allianz Accumulation Advantage+ review notes

Unbiased review of Allianz Accumulation Advantage+ FIA. Learn features, rates, pros, and cons for retirement planning.

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

2

Nursing home waiver, RMD waiver

Premium bonus

15%

Bonus terms can vary by state, premium band, and rider election.

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: 0.15%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

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

9.3%

Yr 2

8.85%

Yr 3

7.9%

Yr 4

6.95%

Yr 5

5.95%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

Documents

brochure

AAAPL-001-B.pdf

Confidence: highReviewed Apr 1, 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 Accumulation Advantage+ currently shows 22 distinct indexed or fixed crediting choices across 42 current rate listings, including S&P 500 Index, with 14 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: 1.6% cap
  • S&P 500 Index: 5.25% cap
  • S&P 500 Index: 2.1% 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
  • 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 AAAPL-001-B.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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