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Allianz Life Insurance Company of North America

A+

Allianz 222 Plus

Run Full Analysis

Portfolio Average Credit Rate

3.08%

Projection Years

30 Years

Account Balance

$247,674.56

Lifetime Income

$16,511.64

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	5

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	1.75%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$25,502
Accumulated Rider Fees	-$0
Final Account Value	$75,502
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$875 1.75%	$50,875
3 (57)	$50,875	22.56%	+$890 1.75%	$51,765
4 (58)	$51,765	6.27%	+$906 1.75%	$52,671
5 (59)	$52,671	31.73%	+$922 1.75%	$53,593
6 (60)	$53,593	18.67%	+$938 1.75%	$54,531
7 (61)	$54,531	5.25%	+$954 1.75%	$55,485
8 (62)	$55,485	16.61%	+$971 1.75%	$56,456
9 (63)	$56,456	31.69%	+$988 1.75%	$57,444
10 (64)	$57,444	-3.10%	- Floor Protected	$57,444
11 (65)	$57,444	30.47%	+$1,005 1.75%	$58,449
12 (66)	$58,449	7.62%	+$1,023 1.75%	$59,472
13 (67)	$59,472	10.08%	+$1,041 1.75%	$60,513
14 (68)	$60,513	1.32%	+$799 1.32%	$61,312
15 (69)	$61,312	37.58%	+$1,073 1.75%	$62,385
16 (70)	$62,385	22.96%	+$1,092 1.75%	$63,476
17 (71)	$63,476	33.36%	+$1,111 1.75%	$64,587
18 (72)	$64,587	28.58%	+$1,130 1.75%	$65,718
19 (73)	$65,718	21.04%	+$1,150 1.75%	$66,868
20 (74)	$66,868	-9.10%	- Floor Protected	$66,868
21 (75)	$66,868	-11.89%	- Floor Protected	$66,868
22 (76)	$66,868	-22.10%	- Floor Protected	$66,868
23 (77)	$66,868	28.68%	+$1,170 1.75%	$68,038
24 (78)	$68,038	10.88%	+$1,191 1.75%	$69,228
25 (79)	$69,228	4.91%	+$1,211 1.75%	$70,440
26 (80)	$70,440	15.79%	+$1,233 1.75%	$71,673
27 (81)	$71,673	5.49%	+$1,254 1.75%	$72,927
28 (82)	$72,927	-37.00%	- Floor Protected	$72,927
29 (83)	$72,927	26.46%	+$1,276 1.75%	$74,203
30 (84)	$74,203	15.06%	+$1,299 1.75%	$75,502

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	5.50%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$122,173
Accumulated Rider Fees	-$0
Final Account Value	$172,173
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$2,750 5.50%	$52,750
3 (57)	$52,750	22.56%	+$2,901 5.50%	$55,651
4 (58)	$55,651	6.27%	+$3,061 5.50%	$58,712
5 (59)	$58,712	31.73%	+$3,229 5.50%	$61,941
6 (60)	$61,941	18.67%	+$3,407 5.50%	$65,348
7 (61)	$65,348	5.25%	+$3,431 5.25%	$68,779
8 (62)	$68,779	16.61%	+$3,783 5.50%	$72,562
9 (63)	$72,562	31.69%	+$3,991 5.50%	$76,552
10 (64)	$76,552	-3.10%	- Floor Protected	$76,552
11 (65)	$76,552	30.47%	+$4,210 5.50%	$80,763
12 (66)	$80,763	7.62%	+$4,442 5.50%	$85,205
13 (67)	$85,205	10.08%	+$4,686 5.50%	$89,891
14 (68)	$89,891	1.32%	+$1,187 1.32%	$91,078
15 (69)	$91,078	37.58%	+$5,009 5.50%	$96,087
16 (70)	$96,087	22.96%	+$5,285 5.50%	$101,372
17 (71)	$101,372	33.36%	+$5,575 5.50%	$106,947
18 (72)	$106,947	28.58%	+$5,882 5.50%	$112,829
19 (73)	$112,829	21.04%	+$6,206 5.50%	$119,035
20 (74)	$119,035	-9.10%	- Floor Protected	$119,035
21 (75)	$119,035	-11.89%	- Floor Protected	$119,035
22 (76)	$119,035	-22.10%	- Floor Protected	$119,035
23 (77)	$119,035	28.68%	+$6,547 5.50%	$125,582
24 (78)	$125,582	10.88%	+$6,907 5.50%	$132,489
25 (79)	$132,489	4.91%	+$6,505 4.91%	$138,994
26 (80)	$138,994	15.79%	+$7,645 5.50%	$146,639
27 (81)	$146,639	5.49%	+$8,050 5.49%	$154,689
28 (82)	$154,689	-37.00%	- Floor Protected	$154,689
29 (83)	$154,689	26.46%	+$8,508 5.50%	$163,197
30 (84)	$163,197	15.06%	+$8,976 5.50%	$172,173

Index Fund	BLACKROCK_IBLD_CLARIA
Rate Strategy Type	Participation
Rate	105.00%
Allocated Amount	$0 0.0%

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	90.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$3,625 3.63%	$103,625
3 (57)	$103,625	+$3,792 3.66%	$107,417
4 (58)	$107,417	+$3,967 3.69%	$111,383
5 (59)	$111,383	+$4,151 3.73%	$115,534
6 (60)	$115,534	+$4,345 3.76%	$119,879
7 (61)	$119,879	+$4,385 3.66%	$124,264
8 (62)	$124,264	+$4,754 3.83%	$129,018
9 (63)	$129,018	+$4,979 3.86%	$133,997
10 (64)	$133,997	+$0 0.00% Floor Protected	$133,997
11 (65)	$133,997	+$5,216 3.89%	$139,212
12 (66)	$139,212	+$5,465 3.93%	$144,677
13 (67)	$144,677	+$5,727 3.96%	$150,404
14 (68)	$150,404	+$1,985 1.32%	$152,389
15 (69)	$152,389	+$6,082 3.99%	$158,472
16 (70)	$158,472	+$6,377 4.02%	$164,848
17 (71)	$164,848	+$6,686 4.06%	$171,534
18 (72)	$171,534	+$7,012 4.09%	$178,547
19 (73)	$178,547	+$7,356 4.12%	$185,902
20 (74)	$185,902	+$0 0.00% Floor Protected	$185,902
21 (75)	$185,902	+$0 0.00% Floor Protected	$185,902
22 (76)	$185,902	+$0 0.00% Floor Protected	$185,902
23 (77)	$185,902	+$7,717 4.15%	$193,620
24 (78)	$193,620	+$8,098 4.18%	$201,717
25 (79)	$201,717	+$7,717 3.83%	$209,434
26 (80)	$209,434	+$8,877 4.24%	$218,311
27 (81)	$218,311	+$9,305 4.26%	$227,616
28 (82)	$227,616	+$0 0.00% Floor Protected	$227,616
29 (83)	$227,616	+$9,784 4.30%	$237,400
30 (84)	$237,400	+$10,274 4.33%	$247,675

Lifetime Income Projection

Annual Withdrawal	$16,512 Locked for lifetime
Total Withdrawals	$247,675 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$247,675	$16,512Locked AmountPV: $16,512	$16,512
2Payout Year	86	$231,163	$16,512Locked AmountPV: $16,031	$33,023
3Payout Year	87	$214,651	$16,512Locked AmountPV: $15,564	$49,535
4Payout Year	88	$198,140	$16,512Locked AmountPV: $15,110	$66,047
5Payout Year	89	$181,628	$16,512Locked AmountPV: $14,670	$82,558
6Payout Year	90	$165,116	$16,512Locked AmountPV: $14,243	$99,070
7Payout Year	91	$148,605	$16,512Locked AmountPV: $13,828	$115,581
8Payout Year	92	$132,093	$16,512Locked AmountPV: $13,425	$132,093
9Payout Year	93	$115,581	$16,512Locked AmountPV: $13,034	$148,605
10Payout Year	94	$99,070	$16,512Locked AmountPV: $12,655	$165,116
11Payout Year	95	$82,558	$16,512Locked AmountPV: $12,286	$181,628
12Payout Year	96	$66,047	$16,512Locked AmountPV: $11,928	$198,140
13Payout Year	97	$49,535	$16,512Locked AmountPV: $11,581	$214,651
14Payout Year	98	$33,023	$16,512Locked AmountPV: $11,244	$231,163
15Payout Year	99	$16,512	$16,512Locked AmountPV: $10,916	$247,675

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

A+

Allianz 222

Run Full Analysis

Portfolio Average Credit Rate

2.83%

Projection Years

30 Years

Account Balance

$230,122.99

Lifetime Income

$15,341.53

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	5

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	1.70%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$24,653
Accumulated Rider Fees	-$0
Final Account Value	$74,653
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$850 1.70%	$50,850
3 (57)	$50,850	22.56%	+$864 1.70%	$51,714
4 (58)	$51,714	6.27%	+$879 1.70%	$52,594
5 (59)	$52,594	31.73%	+$894 1.70%	$53,488
6 (60)	$53,488	18.67%	+$909 1.70%	$54,397
7 (61)	$54,397	5.25%	+$925 1.70%	$55,322
8 (62)	$55,322	16.61%	+$940 1.70%	$56,262
9 (63)	$56,262	31.69%	+$956 1.70%	$57,219
10 (64)	$57,219	-3.10%	- Floor Protected	$57,219
11 (65)	$57,219	30.47%	+$973 1.70%	$58,191
12 (66)	$58,191	7.62%	+$989 1.70%	$59,181
13 (67)	$59,181	10.08%	+$1,006 1.70%	$60,187
14 (68)	$60,187	1.32%	+$794 1.32%	$60,981
15 (69)	$60,981	37.58%	+$1,037 1.70%	$62,018
16 (70)	$62,018	22.96%	+$1,054 1.70%	$63,072
17 (71)	$63,072	33.36%	+$1,072 1.70%	$64,144
18 (72)	$64,144	28.58%	+$1,090 1.70%	$65,235
19 (73)	$65,235	21.04%	+$1,109 1.70%	$66,344
20 (74)	$66,344	-9.10%	- Floor Protected	$66,344
21 (75)	$66,344	-11.89%	- Floor Protected	$66,344
22 (76)	$66,344	-22.10%	- Floor Protected	$66,344
23 (77)	$66,344	28.68%	+$1,128 1.70%	$67,472
24 (78)	$67,472	10.88%	+$1,147 1.70%	$68,619
25 (79)	$68,619	4.91%	+$1,167 1.70%	$69,785
26 (80)	$69,785	15.79%	+$1,186 1.70%	$70,972
27 (81)	$70,972	5.49%	+$1,207 1.70%	$72,178
28 (82)	$72,178	-37.00%	- Floor Protected	$72,178
29 (83)	$72,178	26.46%	+$1,227 1.70%	$73,405
30 (84)	$73,405	15.06%	+$1,248 1.70%	$74,653

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	5.00%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$105,470
Accumulated Rider Fees	-$0
Final Account Value	$155,470
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$2,500 5.00%	$52,500
3 (57)	$52,500	22.56%	+$2,625 5.00%	$55,125
4 (58)	$55,125	6.27%	+$2,756 5.00%	$57,881
5 (59)	$57,881	31.73%	+$2,894 5.00%	$60,775
6 (60)	$60,775	18.67%	+$3,039 5.00%	$63,814
7 (61)	$63,814	5.25%	+$3,191 5.00%	$67,005
8 (62)	$67,005	16.61%	+$3,350 5.00%	$70,355
9 (63)	$70,355	31.69%	+$3,518 5.00%	$73,873
10 (64)	$73,873	-3.10%	- Floor Protected	$73,873
11 (65)	$73,873	30.47%	+$3,694 5.00%	$77,566
12 (66)	$77,566	7.62%	+$3,878 5.00%	$81,445
13 (67)	$81,445	10.08%	+$4,072 5.00%	$85,517
14 (68)	$85,517	1.32%	+$1,129 1.32%	$86,646
15 (69)	$86,646	37.58%	+$4,332 5.00%	$90,978
16 (70)	$90,978	22.96%	+$4,549 5.00%	$95,527
17 (71)	$95,527	33.36%	+$4,776 5.00%	$100,303
18 (72)	$100,303	28.58%	+$5,015 5.00%	$105,319
19 (73)	$105,319	21.04%	+$5,266 5.00%	$110,584
20 (74)	$110,584	-9.10%	- Floor Protected	$110,584
21 (75)	$110,584	-11.89%	- Floor Protected	$110,584
22 (76)	$110,584	-22.10%	- Floor Protected	$110,584
23 (77)	$110,584	28.68%	+$5,529 5.00%	$116,114
24 (78)	$116,114	10.88%	+$5,806 5.00%	$121,919
25 (79)	$121,919	4.91%	+$5,986 4.91%	$127,906
26 (80)	$127,906	15.79%	+$6,395 5.00%	$134,301
27 (81)	$134,301	5.49%	+$6,715 5.00%	$141,016
28 (82)	$141,016	-37.00%	- Floor Protected	$141,016
29 (83)	$141,016	26.46%	+$7,051 5.00%	$148,067
30 (84)	$148,067	15.06%	+$7,403 5.00%	$155,470

Index Fund	BLACKROCK_IBLD_CLARIA
Rate Strategy Type	Participation
Rate	100.00%
Allocated Amount	$0 0.0%

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	85.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$3,350 3.35%	$103,350
3 (57)	$103,350	+$3,489 3.38%	$106,839
4 (58)	$106,839	+$3,635 3.40%	$110,475
5 (59)	$110,475	+$3,788 3.43%	$114,263
6 (60)	$114,263	+$3,948 3.46%	$118,211
7 (61)	$118,211	+$4,115 3.48%	$122,327
8 (62)	$122,327	+$4,291 3.51%	$126,617
9 (63)	$126,617	+$4,474 3.53%	$131,091
10 (64)	$131,091	+$0 0.00% Floor Protected	$131,091
11 (65)	$131,091	+$4,666 3.56%	$135,758
12 (66)	$135,758	+$4,868 3.59%	$140,625
13 (67)	$140,625	+$5,078 3.61%	$145,704
14 (68)	$145,704	+$1,923 1.32%	$147,627
15 (69)	$147,627	+$5,369 3.64%	$152,996
16 (70)	$152,996	+$5,603 3.66%	$158,599
17 (71)	$158,599	+$5,849 3.69%	$164,448
18 (72)	$164,448	+$6,106 3.71%	$170,553
19 (73)	$170,553	+$6,375 3.74%	$176,928
20 (74)	$176,928	+$0 0.00% Floor Protected	$176,928
21 (75)	$176,928	+$0 0.00% Floor Protected	$176,928
22 (76)	$176,928	+$0 0.00% Floor Protected	$176,928
23 (77)	$176,928	+$6,657 3.76%	$183,585
24 (78)	$183,585	+$6,953 3.79%	$190,538
25 (79)	$190,538	+$7,153 3.75%	$197,691
26 (80)	$197,691	+$7,582 3.84%	$205,272
27 (81)	$205,272	+$7,922 3.86%	$213,194
28 (82)	$213,194	+$0 0.00% Floor Protected	$213,194
29 (83)	$213,194	+$8,278 3.88%	$221,472
30 (84)	$221,472	+$8,651 3.91%	$230,123

Lifetime Income Projection

Annual Withdrawal	$15,342 Locked for lifetime
Total Withdrawals	$230,123 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$230,123	$15,342Locked AmountPV: $15,342	$15,342
2Payout Year	86	$214,781	$15,342Locked AmountPV: $14,895	$30,683
3Payout Year	87	$199,440	$15,342Locked AmountPV: $14,461	$46,025
4Payout Year	88	$184,098	$15,342Locked AmountPV: $14,040	$61,366
5Payout Year	89	$168,757	$15,342Locked AmountPV: $13,631	$76,708
6Payout Year	90	$153,415	$15,342Locked AmountPV: $13,234	$92,049
7Payout Year	91	$138,074	$15,342Locked AmountPV: $12,848	$107,391
8Payout Year	92	$122,732	$15,342Locked AmountPV: $12,474	$122,732
9Payout Year	93	$107,391	$15,342Locked AmountPV: $12,111	$138,074
10Payout Year	94	$92,049	$15,342Locked AmountPV: $11,758	$153,415
11Payout Year	95	$76,708	$15,342Locked AmountPV: $11,416	$168,757
12Payout Year	96	$61,366	$15,342Locked AmountPV: $11,083	$184,098
13Payout Year	97	$46,025	$15,342Locked AmountPV: $10,760	$199,440
14Payout Year	98	$30,683	$15,342Locked AmountPV: $10,447	$214,781
15Payout Year	99	$15,342	$15,342Locked AmountPV: $10,143	$230,123

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

A+

Allianz 360

Run Full Analysis

Portfolio Average Credit Rate

1.95%

Projection Years

30 Years

Account Balance

$178,335.40

Lifetime Income

$11,889.03

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	5

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	1.20%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$16,574
Accumulated Rider Fees	-$0
Final Account Value	$66,574
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$600 1.20%	$50,600
3 (57)	$50,600	22.56%	+$607 1.20%	$51,207
4 (58)	$51,207	6.27%	+$614 1.20%	$51,822
5 (59)	$51,822	31.73%	+$622 1.20%	$52,444
6 (60)	$52,444	18.67%	+$629 1.20%	$53,073
7 (61)	$53,073	5.25%	+$637 1.20%	$53,710
8 (62)	$53,710	16.61%	+$645 1.20%	$54,354
9 (63)	$54,354	31.69%	+$652 1.20%	$55,007
10 (64)	$55,007	-3.10%	- Floor Protected	$55,007
11 (65)	$55,007	30.47%	+$660 1.20%	$55,667
12 (66)	$55,667	7.62%	+$668 1.20%	$56,335
13 (67)	$56,335	10.08%	+$676 1.20%	$57,011
14 (68)	$57,011	1.32%	+$684 1.20%	$57,695
15 (69)	$57,695	37.58%	+$692 1.20%	$58,387
16 (70)	$58,387	22.96%	+$701 1.20%	$59,088
17 (71)	$59,088	33.36%	+$709 1.20%	$59,797
18 (72)	$59,797	28.58%	+$718 1.20%	$60,514
19 (73)	$60,514	21.04%	+$726 1.20%	$61,240
20 (74)	$61,240	-9.10%	- Floor Protected	$61,240
21 (75)	$61,240	-11.89%	- Floor Protected	$61,240
22 (76)	$61,240	-22.10%	- Floor Protected	$61,240
23 (77)	$61,240	28.68%	+$735 1.20%	$61,975
24 (78)	$61,975	10.88%	+$744 1.20%	$62,719
25 (79)	$62,719	4.91%	+$753 1.20%	$63,472
26 (80)	$63,472	15.79%	+$762 1.20%	$64,233
27 (81)	$64,233	5.49%	+$771 1.20%	$65,004
28 (82)	$65,004	-37.00%	- Floor Protected	$65,004
29 (83)	$65,004	26.46%	+$780 1.20%	$65,784
30 (84)	$65,784	15.06%	+$789 1.20%	$66,574

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	3.50%
Allocated Amount	$50,000 0.5%
Accumulated Credit Amount	$61,762
Accumulated Rider Fees	-$0
Final Account Value	$111,762
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$50,000	-4.91%	- Floor Protected	$50,000
2 (56)	$50,000	21.55%	+$1,750 3.50%	$51,750
3 (57)	$51,750	22.56%	+$1,811 3.50%	$53,561
4 (58)	$53,561	6.27%	+$1,875 3.50%	$55,436
5 (59)	$55,436	31.73%	+$1,940 3.50%	$57,376
6 (60)	$57,376	18.67%	+$2,008 3.50%	$59,384
7 (61)	$59,384	5.25%	+$2,078 3.50%	$61,463
8 (62)	$61,463	16.61%	+$2,151 3.50%	$63,614
9 (63)	$63,614	31.69%	+$2,226 3.50%	$65,840
10 (64)	$65,840	-3.10%	- Floor Protected	$65,840
11 (65)	$65,840	30.47%	+$2,304 3.50%	$68,145
12 (66)	$68,145	7.62%	+$2,385 3.50%	$70,530
13 (67)	$70,530	10.08%	+$2,469 3.50%	$72,998
14 (68)	$72,998	1.32%	+$964 1.32%	$73,962
15 (69)	$73,962	37.58%	+$2,589 3.50%	$76,551
16 (70)	$76,551	22.96%	+$2,679 3.50%	$79,230
17 (71)	$79,230	33.36%	+$2,773 3.50%	$82,003
18 (72)	$82,003	28.58%	+$2,870 3.50%	$84,873
19 (73)	$84,873	21.04%	+$2,971 3.50%	$87,844
20 (74)	$87,844	-9.10%	- Floor Protected	$87,844
21 (75)	$87,844	-11.89%	- Floor Protected	$87,844
22 (76)	$87,844	-22.10%	- Floor Protected	$87,844
23 (77)	$87,844	28.68%	+$3,075 3.50%	$90,918
24 (78)	$90,918	10.88%	+$3,182 3.50%	$94,100
25 (79)	$94,100	4.91%	+$3,294 3.50%	$97,394
26 (80)	$97,394	15.79%	+$3,409 3.50%	$100,803
27 (81)	$100,803	5.49%	+$3,528 3.50%	$104,331
28 (82)	$104,331	-37.00%	- Floor Protected	$104,331
29 (83)	$104,331	26.46%	+$3,652 3.50%	$107,982
30 (84)	$107,982	15.06%	+$3,779 3.50%	$111,762

Index Fund	BLACKROCK_IBLD_CLARIA
Rate Strategy Type	Participation
Rate	65.00%
Allocated Amount	$0 0.0%

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	65.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$2,350 2.35%	$102,350
3 (57)	$102,350	+$2,418 2.36%	$104,768
4 (58)	$104,768	+$2,489 2.38%	$107,258
5 (59)	$107,258	+$2,562 2.39%	$109,820
6 (60)	$109,820	+$2,637 2.40%	$112,457
7 (61)	$112,457	+$2,715 2.41%	$115,173
8 (62)	$115,173	+$2,796 2.43%	$117,968
9 (63)	$117,968	+$2,879 2.44%	$120,847
10 (64)	$120,847	+$0 0.00% Floor Protected	$120,847
11 (65)	$120,847	+$2,964 2.45%	$123,811
12 (66)	$123,811	+$3,053 2.47%	$126,865
13 (67)	$126,865	+$3,145 2.48%	$130,009
14 (68)	$130,009	+$1,648 1.27%	$131,657
15 (69)	$131,657	+$3,281 2.49%	$134,938
16 (70)	$134,938	+$3,380 2.50%	$138,318
17 (71)	$138,318	+$3,482 2.52%	$141,800
18 (72)	$141,800	+$3,588 2.53%	$145,387
19 (73)	$145,387	+$3,697 2.54%	$149,084
20 (74)	$149,084	+$0 0.00% Floor Protected	$149,084
21 (75)	$149,084	+$0 0.00% Floor Protected	$149,084
22 (76)	$149,084	+$0 0.00% Floor Protected	$149,084
23 (77)	$149,084	+$3,809 2.56%	$152,894
24 (78)	$152,894	+$3,926 2.57%	$156,819
25 (79)	$156,819	+$4,046 2.58%	$160,866
26 (80)	$160,866	+$4,170 2.59%	$165,036
27 (81)	$165,036	+$4,299 2.60%	$169,335
28 (82)	$169,335	+$0 0.00% Floor Protected	$169,335
29 (83)	$169,335	+$4,432 2.62%	$173,767
30 (84)	$173,767	+$4,569 2.63%	$178,335

Lifetime Income Projection

Annual Withdrawal	$11,889 Locked for lifetime
Total Withdrawals	$178,335 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$178,335	$11,889Locked AmountPV: $11,889	$11,889
2Payout Year	86	$166,446	$11,889Locked AmountPV: $11,543	$23,778
3Payout Year	87	$154,557	$11,889Locked AmountPV: $11,207	$35,667
4Payout Year	88	$142,668	$11,889Locked AmountPV: $10,880	$47,556
5Payout Year	89	$130,779	$11,889Locked AmountPV: $10,563	$59,445
6Payout Year	90	$118,890	$11,889Locked AmountPV: $10,256	$71,334
7Payout Year	91	$107,001	$11,889Locked AmountPV: $9,957	$83,223
8Payout Year	92	$95,112	$11,889Locked AmountPV: $9,667	$95,112
9Payout Year	93	$83,223	$11,889Locked AmountPV: $9,385	$107,001
10Payout Year	94	$71,334	$11,889Locked AmountPV: $9,112	$118,890
11Payout Year	95	$59,445	$11,889Locked AmountPV: $8,847	$130,779
12Payout Year	96	$47,556	$11,889Locked AmountPV: $8,589	$142,668
13Payout Year	97	$35,667	$11,889Locked AmountPV: $8,339	$154,557
14Payout Year	98	$23,778	$11,889Locked AmountPV: $8,096	$166,446
15Payout Year	99	$11,889	$11,889Locked AmountPV: $7,860	$178,335

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

A+

Allianz Benefit Control

Run Full Analysis

Portfolio Average Credit Rate

3.11%

Projection Years

30 Years

Account Balance

$249,724.98

Lifetime Income

$16,648.33

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	3

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	4.00%
Allocated Amount	$100,000 1.0%
Accumulated Credit Amount	$149,725
Accumulated Rider Fees	-$0
Final Account Value	$249,725
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$100,000	-4.91%	- Floor Protected	$100,000
2 (56)	$100,000	21.55%	+$4,000 4.00%	$104,000
3 (57)	$104,000	22.56%	+$4,160 4.00%	$108,160
4 (58)	$108,160	6.27%	+$4,326 4.00%	$112,486
5 (59)	$112,486	31.73%	+$4,499 4.00%	$116,986
6 (60)	$116,986	18.67%	+$4,679 4.00%	$121,665
7 (61)	$121,665	5.25%	+$4,867 4.00%	$126,532
8 (62)	$126,532	16.61%	+$5,061 4.00%	$131,593
9 (63)	$131,593	31.69%	+$5,264 4.00%	$136,857
10 (64)	$136,857	-3.10%	- Floor Protected	$136,857
11 (65)	$136,857	30.47%	+$5,474 4.00%	$142,331
12 (66)	$142,331	7.62%	+$5,693 4.00%	$148,024
13 (67)	$148,024	10.08%	+$5,921 4.00%	$153,945
14 (68)	$153,945	1.32%	+$2,032 1.32%	$155,977
15 (69)	$155,977	37.58%	+$6,239 4.00%	$162,217
16 (70)	$162,217	22.96%	+$6,489 4.00%	$168,705
17 (71)	$168,705	33.36%	+$6,748 4.00%	$175,453
18 (72)	$175,453	28.58%	+$7,018 4.00%	$182,472
19 (73)	$182,472	21.04%	+$7,299 4.00%	$189,770
20 (74)	$189,770	-9.10%	- Floor Protected	$189,770
21 (75)	$189,770	-11.89%	- Floor Protected	$189,770
22 (76)	$189,770	-22.10%	- Floor Protected	$189,770
23 (77)	$189,770	28.68%	+$7,591 4.00%	$197,361
24 (78)	$197,361	10.88%	+$7,894 4.00%	$205,256
25 (79)	$205,256	4.91%	+$8,210 4.00%	$213,466
26 (80)	$213,466	15.79%	+$8,539 4.00%	$222,005
27 (81)	$222,005	5.49%	+$8,880 4.00%	$230,885
28 (82)	$230,885	-37.00%	- Floor Protected	$230,885
29 (83)	$230,885	26.46%	+$9,235 4.00%	$240,120
30 (84)	$240,120	15.06%	+$9,605 4.00%	$249,725

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	70.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$4,000 4.00%	$104,000
3 (57)	$104,000	+$4,160 4.00%	$108,160
4 (58)	$108,160	+$4,326 4.00%	$112,486
5 (59)	$112,486	+$4,499 4.00%	$116,986
6 (60)	$116,986	+$4,679 4.00%	$121,665
7 (61)	$121,665	+$4,867 4.00%	$126,532
8 (62)	$126,532	+$5,061 4.00%	$131,593
9 (63)	$131,593	+$5,264 4.00%	$136,857
10 (64)	$136,857	+$0 0.00% Floor Protected	$136,857
11 (65)	$136,857	+$5,474 4.00%	$142,331
12 (66)	$142,331	+$5,693 4.00%	$148,024
13 (67)	$148,024	+$5,921 4.00%	$153,945
14 (68)	$153,945	+$2,032 1.32%	$155,977
15 (69)	$155,977	+$6,239 4.00%	$162,217
16 (70)	$162,217	+$6,489 4.00%	$168,705
17 (71)	$168,705	+$6,748 4.00%	$175,453
18 (72)	$175,453	+$7,018 4.00%	$182,472
19 (73)	$182,472	+$7,299 4.00%	$189,770
20 (74)	$189,770	+$0 0.00% Floor Protected	$189,770
21 (75)	$189,770	+$0 0.00% Floor Protected	$189,770
22 (76)	$189,770	+$0 0.00% Floor Protected	$189,770
23 (77)	$189,770	+$7,591 4.00%	$197,361
24 (78)	$197,361	+$7,894 4.00%	$205,256
25 (79)	$205,256	+$8,210 4.00%	$213,466
26 (80)	$213,466	+$8,539 4.00%	$222,005
27 (81)	$222,005	+$8,880 4.00%	$230,885
28 (82)	$230,885	+$0 0.00% Floor Protected	$230,885
29 (83)	$230,885	+$9,235 4.00%	$240,120
30 (84)	$240,120	+$9,605 4.00%	$249,725

Lifetime Income Projection

Annual Withdrawal	$16,648 Locked for lifetime
Total Withdrawals	$249,725 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$249,725	$16,648Locked AmountPV: $16,648	$16,648
2Payout Year	86	$233,077	$16,648Locked AmountPV: $16,163	$33,297
3Payout Year	87	$216,428	$16,648Locked AmountPV: $15,693	$49,945
4Payout Year	88	$199,780	$16,648Locked AmountPV: $15,236	$66,593
5Payout Year	89	$183,132	$16,648Locked AmountPV: $14,792	$83,242
6Payout Year	90	$166,483	$16,648Locked AmountPV: $14,361	$99,890
7Payout Year	91	$149,835	$16,648Locked AmountPV: $13,943	$116,538
8Payout Year	92	$133,187	$16,648Locked AmountPV: $13,537	$133,187
9Payout Year	93	$116,538	$16,648Locked AmountPV: $13,142	$149,835
10Payout Year	94	$99,890	$16,648Locked AmountPV: $12,760	$166,483
11Payout Year	95	$83,242	$16,648Locked AmountPV: $12,388	$183,132
12Payout Year	96	$66,593	$16,648Locked AmountPV: $12,027	$199,780
13Payout Year	97	$49,945	$16,648Locked AmountPV: $11,677	$216,428
14Payout Year	98	$33,297	$16,648Locked AmountPV: $11,337	$233,077
15Payout Year	99	$16,648	$16,648Locked AmountPV: $11,007	$249,725

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

A+

Allianz Benefit Control+

Run Full Analysis

Portfolio Average Credit Rate

3.49%

Projection Years

30 Years

Account Balance

$278,849.49

Lifetime Income

$18,589.97

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	4

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	4.50%
Allocated Amount	$100,000 1.0%
Accumulated Credit Amount	$178,849
Accumulated Rider Fees	-$0
Final Account Value	$278,849
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$100,000	-4.91%	- Floor Protected	$100,000
2 (56)	$100,000	21.55%	+$4,500 4.50%	$104,500
3 (57)	$104,500	22.56%	+$4,703 4.50%	$109,203
4 (58)	$109,203	6.27%	+$4,914 4.50%	$114,117
5 (59)	$114,117	31.73%	+$5,135 4.50%	$119,252
6 (60)	$119,252	18.67%	+$5,366 4.50%	$124,618
7 (61)	$124,618	5.25%	+$5,608 4.50%	$130,226
8 (62)	$130,226	16.61%	+$5,860 4.50%	$136,086
9 (63)	$136,086	31.69%	+$6,124 4.50%	$142,210
10 (64)	$142,210	-3.10%	- Floor Protected	$142,210
11 (65)	$142,210	30.47%	+$6,399 4.50%	$148,610
12 (66)	$148,610	7.62%	+$6,687 4.50%	$155,297
13 (67)	$155,297	10.08%	+$6,988 4.50%	$162,285
14 (68)	$162,285	1.32%	+$2,142 1.32%	$164,427
15 (69)	$164,427	37.58%	+$7,399 4.50%	$171,827
16 (70)	$171,827	22.96%	+$7,732 4.50%	$179,559
17 (71)	$179,559	33.36%	+$8,080 4.50%	$187,639
18 (72)	$187,639	28.58%	+$8,444 4.50%	$196,083
19 (73)	$196,083	21.04%	+$8,824 4.50%	$204,907
20 (74)	$204,907	-9.10%	- Floor Protected	$204,907
21 (75)	$204,907	-11.89%	- Floor Protected	$204,907
22 (76)	$204,907	-22.10%	- Floor Protected	$204,907
23 (77)	$204,907	28.68%	+$9,221 4.50%	$214,127
24 (78)	$214,127	10.88%	+$9,636 4.50%	$223,763
25 (79)	$223,763	4.91%	+$10,069 4.50%	$233,832
26 (80)	$233,832	15.79%	+$10,522 4.50%	$244,355
27 (81)	$244,355	5.49%	+$10,996 4.50%	$255,351
28 (82)	$255,351	-37.00%	- Floor Protected	$255,351
29 (83)	$255,351	26.46%	+$11,491 4.50%	$266,842
30 (84)	$266,842	15.06%	+$12,008 4.50%	$278,849

Index Fund	BLACKROCK_IBLD_CLARIA
Rate Strategy Type	Participation
Rate	75.00%
Allocated Amount	$0 0.0%

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	75.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$4,500 4.50%	$104,500
3 (57)	$104,500	+$4,703 4.50%	$109,203
4 (58)	$109,203	+$4,914 4.50%	$114,117
5 (59)	$114,117	+$5,135 4.50%	$119,252
6 (60)	$119,252	+$5,366 4.50%	$124,618
7 (61)	$124,618	+$5,608 4.50%	$130,226
8 (62)	$130,226	+$5,860 4.50%	$136,086
9 (63)	$136,086	+$6,124 4.50%	$142,210
10 (64)	$142,210	+$0 0.00% Floor Protected	$142,210
11 (65)	$142,210	+$6,399 4.50%	$148,610
12 (66)	$148,610	+$6,687 4.50%	$155,297
13 (67)	$155,297	+$6,988 4.50%	$162,285
14 (68)	$162,285	+$2,142 1.32%	$164,427
15 (69)	$164,427	+$7,399 4.50%	$171,827
16 (70)	$171,827	+$7,732 4.50%	$179,559
17 (71)	$179,559	+$8,080 4.50%	$187,639
18 (72)	$187,639	+$8,444 4.50%	$196,083
19 (73)	$196,083	+$8,824 4.50%	$204,907
20 (74)	$204,907	+$0 0.00% Floor Protected	$204,907
21 (75)	$204,907	+$0 0.00% Floor Protected	$204,907
22 (76)	$204,907	+$0 0.00% Floor Protected	$204,907
23 (77)	$204,907	+$9,221 4.50%	$214,127
24 (78)	$214,127	+$9,636 4.50%	$223,763
25 (79)	$223,763	+$10,069 4.50%	$233,832
26 (80)	$233,832	+$10,522 4.50%	$244,355
27 (81)	$244,355	+$10,996 4.50%	$255,351
28 (82)	$255,351	+$0 0.00% Floor Protected	$255,351
29 (83)	$255,351	+$11,491 4.50%	$266,842
30 (84)	$266,842	+$12,008 4.50%	$278,849

Lifetime Income Projection

Annual Withdrawal	$18,590 Locked for lifetime
Total Withdrawals	$278,849 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$278,849	$18,590Locked AmountPV: $18,590	$18,590
2Payout Year	86	$260,260	$18,590Locked AmountPV: $18,049	$37,180
3Payout Year	87	$241,670	$18,590Locked AmountPV: $17,523	$55,770
4Payout Year	88	$223,080	$18,590Locked AmountPV: $17,012	$74,360
5Payout Year	89	$204,490	$18,590Locked AmountPV: $16,517	$92,950
6Payout Year	90	$185,900	$18,590Locked AmountPV: $16,036	$111,540
7Payout Year	91	$167,310	$18,590Locked AmountPV: $15,569	$130,130
8Payout Year	92	$148,720	$18,590Locked AmountPV: $15,115	$148,720
9Payout Year	93	$130,130	$18,590Locked AmountPV: $14,675	$167,310
10Payout Year	94	$111,540	$18,590Locked AmountPV: $14,248	$185,900
11Payout Year	95	$92,950	$18,590Locked AmountPV: $13,833	$204,490
12Payout Year	96	$74,360	$18,590Locked AmountPV: $13,430	$223,080
13Payout Year	97	$55,770	$18,590Locked AmountPV: $13,039	$241,670
14Payout Year	98	$37,180	$18,590Locked AmountPV: $12,659	$260,260
15Payout Year	99	$18,590	$18,590Locked AmountPV: $12,290	$278,849

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

A+

Allianz Core Income 7

Run Full Analysis

Portfolio Average Credit Rate

2.73%

Projection Years

30 Years

Account Balance

$223,523.52

Lifetime Income

$14,901.57

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	3

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	3.50%
Allocated Amount	$100,000 1.0%
Accumulated Credit Amount	$123,524
Accumulated Rider Fees	-$0
Final Account Value	$223,524
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$100,000	-4.91%	- Floor Protected	$100,000
2 (56)	$100,000	21.55%	+$3,500 3.50%	$103,500
3 (57)	$103,500	22.56%	+$3,623 3.50%	$107,123
4 (58)	$107,123	6.27%	+$3,749 3.50%	$110,872
5 (59)	$110,872	31.73%	+$3,881 3.50%	$114,752
6 (60)	$114,752	18.67%	+$4,016 3.50%	$118,769
7 (61)	$118,769	5.25%	+$4,157 3.50%	$122,926
8 (62)	$122,926	16.61%	+$4,302 3.50%	$127,228
9 (63)	$127,228	31.69%	+$4,453 3.50%	$131,681
10 (64)	$131,681	-3.10%	- Floor Protected	$131,681
11 (65)	$131,681	30.47%	+$4,609 3.50%	$136,290
12 (66)	$136,290	7.62%	+$4,770 3.50%	$141,060
13 (67)	$141,060	10.08%	+$4,937 3.50%	$145,997
14 (68)	$145,997	1.32%	+$1,927 1.32%	$147,924
15 (69)	$147,924	37.58%	+$5,177 3.50%	$153,101
16 (70)	$153,101	22.96%	+$5,359 3.50%	$158,460
17 (71)	$158,460	33.36%	+$5,546 3.50%	$164,006
18 (72)	$164,006	28.58%	+$5,740 3.50%	$169,746
19 (73)	$169,746	21.04%	+$5,941 3.50%	$175,687
20 (74)	$175,687	-9.10%	- Floor Protected	$175,687
21 (75)	$175,687	-11.89%	- Floor Protected	$175,687
22 (76)	$175,687	-22.10%	- Floor Protected	$175,687
23 (77)	$175,687	28.68%	+$6,149 3.50%	$181,837
24 (78)	$181,837	10.88%	+$6,364 3.50%	$188,201
25 (79)	$188,201	4.91%	+$6,587 3.50%	$194,788
26 (80)	$194,788	15.79%	+$6,818 3.50%	$201,605
27 (81)	$201,605	5.49%	+$7,056 3.50%	$208,662
28 (82)	$208,662	-37.00%	- Floor Protected	$208,662
29 (83)	$208,662	26.46%	+$7,303 3.50%	$215,965
30 (84)	$215,965	15.06%	+$7,559 3.50%	$223,524

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	60.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$3,500 3.50%	$103,500
3 (57)	$103,500	+$3,623 3.50%	$107,123
4 (58)	$107,123	+$3,749 3.50%	$110,872
5 (59)	$110,872	+$3,881 3.50%	$114,752
6 (60)	$114,752	+$4,016 3.50%	$118,769
7 (61)	$118,769	+$4,157 3.50%	$122,926
8 (62)	$122,926	+$4,302 3.50%	$127,228
9 (63)	$127,228	+$4,453 3.50%	$131,681
10 (64)	$131,681	+$0 0.00% Floor Protected	$131,681
11 (65)	$131,681	+$4,609 3.50%	$136,290
12 (66)	$136,290	+$4,770 3.50%	$141,060
13 (67)	$141,060	+$4,937 3.50%	$145,997
14 (68)	$145,997	+$1,927 1.32%	$147,924
15 (69)	$147,924	+$5,177 3.50%	$153,101
16 (70)	$153,101	+$5,359 3.50%	$158,460
17 (71)	$158,460	+$5,546 3.50%	$164,006
18 (72)	$164,006	+$5,740 3.50%	$169,746
19 (73)	$169,746	+$5,941 3.50%	$175,687
20 (74)	$175,687	+$0 0.00% Floor Protected	$175,687
21 (75)	$175,687	+$0 0.00% Floor Protected	$175,687
22 (76)	$175,687	+$0 0.00% Floor Protected	$175,687
23 (77)	$175,687	+$6,149 3.50%	$181,837
24 (78)	$181,837	+$6,364 3.50%	$188,201
25 (79)	$188,201	+$6,587 3.50%	$194,788
26 (80)	$194,788	+$6,818 3.50%	$201,605
27 (81)	$201,605	+$7,056 3.50%	$208,662
28 (82)	$208,662	+$0 0.00% Floor Protected	$208,662
29 (83)	$208,662	+$7,303 3.50%	$215,965
30 (84)	$215,965	+$7,559 3.50%	$223,524

Lifetime Income Projection

Annual Withdrawal	$14,902 Locked for lifetime
Total Withdrawals	$223,524 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$223,524	$14,902Locked AmountPV: $14,902	$14,902
2Payout Year	86	$208,622	$14,902Locked AmountPV: $14,468	$29,803
3Payout Year	87	$193,720	$14,902Locked AmountPV: $14,046	$44,705
4Payout Year	88	$178,819	$14,902Locked AmountPV: $13,637	$59,606
5Payout Year	89	$163,917	$14,902Locked AmountPV: $13,240	$74,508
6Payout Year	90	$149,016	$14,902Locked AmountPV: $12,854	$89,409
7Payout Year	91	$134,114	$14,902Locked AmountPV: $12,480	$104,311
8Payout Year	92	$119,213	$14,902Locked AmountPV: $12,116	$119,213
9Payout Year	93	$104,311	$14,902Locked AmountPV: $11,763	$134,114
10Payout Year	94	$89,409	$14,902Locked AmountPV: $11,421	$149,016
11Payout Year	95	$74,508	$14,902Locked AmountPV: $11,088	$163,917
12Payout Year	96	$59,606	$14,902Locked AmountPV: $10,765	$178,819
13Payout Year	97	$44,705	$14,902Locked AmountPV: $10,452	$193,720
14Payout Year	98	$29,803	$14,902Locked AmountPV: $10,147	$208,622
15Payout Year	99	$14,902	$14,902Locked AmountPV: $9,852	$223,524

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

A+

Allianz Essential Income 7

Run Full Analysis

Portfolio Average Credit Rate

2.34%

Projection Years

30 Years

Account Balance

$199,963.79

Lifetime Income

$13,330.92

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	3

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	3.00%
Allocated Amount	$100,000 1.0%
Accumulated Credit Amount	$99,964
Accumulated Rider Fees	-$0
Final Account Value	$199,964
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$100,000	-4.91%	- Floor Protected	$100,000
2 (56)	$100,000	21.55%	+$3,000 3.00%	$103,000
3 (57)	$103,000	22.56%	+$3,090 3.00%	$106,090
4 (58)	$106,090	6.27%	+$3,183 3.00%	$109,273
5 (59)	$109,273	31.73%	+$3,278 3.00%	$112,551
6 (60)	$112,551	18.67%	+$3,377 3.00%	$115,927
7 (61)	$115,927	5.25%	+$3,478 3.00%	$119,405
8 (62)	$119,405	16.61%	+$3,582 3.00%	$122,987
9 (63)	$122,987	31.69%	+$3,690 3.00%	$126,677
10 (64)	$126,677	-3.10%	- Floor Protected	$126,677
11 (65)	$126,677	30.47%	+$3,800 3.00%	$130,477
12 (66)	$130,477	7.62%	+$3,914 3.00%	$134,392
13 (67)	$134,392	10.08%	+$4,032 3.00%	$138,423
14 (68)	$138,423	1.32%	+$1,827 1.32%	$140,251
15 (69)	$140,251	37.58%	+$4,208 3.00%	$144,458
16 (70)	$144,458	22.96%	+$4,334 3.00%	$148,792
17 (71)	$148,792	33.36%	+$4,464 3.00%	$153,256
18 (72)	$153,256	28.58%	+$4,598 3.00%	$157,853
19 (73)	$157,853	21.04%	+$4,736 3.00%	$162,589
20 (74)	$162,589	-9.10%	- Floor Protected	$162,589
21 (75)	$162,589	-11.89%	- Floor Protected	$162,589
22 (76)	$162,589	-22.10%	- Floor Protected	$162,589
23 (77)	$162,589	28.68%	+$4,878 3.00%	$167,467
24 (78)	$167,467	10.88%	+$5,024 3.00%	$172,491
25 (79)	$172,491	4.91%	+$5,175 3.00%	$177,665
26 (80)	$177,665	15.79%	+$5,330 3.00%	$182,995
27 (81)	$182,995	5.49%	+$5,490 3.00%	$188,485
28 (82)	$188,485	-37.00%	- Floor Protected	$188,485
29 (83)	$188,485	26.46%	+$5,655 3.00%	$194,140
30 (84)	$194,140	15.06%	+$5,824 3.00%	$199,964

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	55.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$3,000 3.00%	$103,000
3 (57)	$103,000	+$3,090 3.00%	$106,090
4 (58)	$106,090	+$3,183 3.00%	$109,273
5 (59)	$109,273	+$3,278 3.00%	$112,551
6 (60)	$112,551	+$3,377 3.00%	$115,927
7 (61)	$115,927	+$3,478 3.00%	$119,405
8 (62)	$119,405	+$3,582 3.00%	$122,987
9 (63)	$122,987	+$3,690 3.00%	$126,677
10 (64)	$126,677	+$0 0.00% Floor Protected	$126,677
11 (65)	$126,677	+$3,800 3.00%	$130,477
12 (66)	$130,477	+$3,914 3.00%	$134,392
13 (67)	$134,392	+$4,032 3.00%	$138,423
14 (68)	$138,423	+$1,827 1.32%	$140,251
15 (69)	$140,251	+$4,208 3.00%	$144,458
16 (70)	$144,458	+$4,334 3.00%	$148,792
17 (71)	$148,792	+$4,464 3.00%	$153,256
18 (72)	$153,256	+$4,598 3.00%	$157,853
19 (73)	$157,853	+$4,736 3.00%	$162,589
20 (74)	$162,589	+$0 0.00% Floor Protected	$162,589
21 (75)	$162,589	+$0 0.00% Floor Protected	$162,589
22 (76)	$162,589	+$0 0.00% Floor Protected	$162,589
23 (77)	$162,589	+$4,878 3.00%	$167,467
24 (78)	$167,467	+$5,024 3.00%	$172,491
25 (79)	$172,491	+$5,175 3.00%	$177,665
26 (80)	$177,665	+$5,330 3.00%	$182,995
27 (81)	$182,995	+$5,490 3.00%	$188,485
28 (82)	$188,485	+$0 0.00% Floor Protected	$188,485
29 (83)	$188,485	+$5,655 3.00%	$194,140
30 (84)	$194,140	+$5,824 3.00%	$199,964

Lifetime Income Projection

Annual Withdrawal	$13,331 Locked for lifetime
Total Withdrawals	$199,964 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$199,964	$13,331Locked AmountPV: $13,331	$13,331
2Payout Year	86	$186,633	$13,331Locked AmountPV: $12,943	$26,662
3Payout Year	87	$173,302	$13,331Locked AmountPV: $12,566	$39,993
4Payout Year	88	$159,971	$13,331Locked AmountPV: $12,200	$53,324
5Payout Year	89	$146,640	$13,331Locked AmountPV: $11,844	$66,655
6Payout Year	90	$133,309	$13,331Locked AmountPV: $11,499	$79,986
7Payout Year	91	$119,978	$13,331Locked AmountPV: $11,164	$93,316
8Payout Year	92	$106,647	$13,331Locked AmountPV: $10,839	$106,647
9Payout Year	93	$93,316	$13,331Locked AmountPV: $10,524	$119,978
10Payout Year	94	$79,986	$13,331Locked AmountPV: $10,217	$133,309
11Payout Year	95	$66,655	$13,331Locked AmountPV: $9,919	$146,640
12Payout Year	96	$53,324	$13,331Locked AmountPV: $9,631	$159,971
13Payout Year	97	$39,993	$13,331Locked AmountPV: $9,350	$173,302
14Payout Year	98	$26,662	$13,331Locked AmountPV: $9,078	$186,633
15Payout Year	99	$13,331	$13,331Locked AmountPV: $8,813	$199,964

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

A+

Allianz Retirement Foundation ADV

Run Full Analysis

Portfolio Average Credit Rate

3.11%

Projection Years

30 Years

Account Balance

$249,724.98

Lifetime Income

$16,648.33

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	3

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	4.00%
Allocated Amount	$100,000 1.0%
Accumulated Credit Amount	$149,725
Accumulated Rider Fees	-$0
Final Account Value	$249,725
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$100,000	-4.91%	- Floor Protected	$100,000
2 (56)	$100,000	21.55%	+$4,000 4.00%	$104,000
3 (57)	$104,000	22.56%	+$4,160 4.00%	$108,160
4 (58)	$108,160	6.27%	+$4,326 4.00%	$112,486
5 (59)	$112,486	31.73%	+$4,499 4.00%	$116,986
6 (60)	$116,986	18.67%	+$4,679 4.00%	$121,665
7 (61)	$121,665	5.25%	+$4,867 4.00%	$126,532
8 (62)	$126,532	16.61%	+$5,061 4.00%	$131,593
9 (63)	$131,593	31.69%	+$5,264 4.00%	$136,857
10 (64)	$136,857	-3.10%	- Floor Protected	$136,857
11 (65)	$136,857	30.47%	+$5,474 4.00%	$142,331
12 (66)	$142,331	7.62%	+$5,693 4.00%	$148,024
13 (67)	$148,024	10.08%	+$5,921 4.00%	$153,945
14 (68)	$153,945	1.32%	+$2,032 1.32%	$155,977
15 (69)	$155,977	37.58%	+$6,239 4.00%	$162,217
16 (70)	$162,217	22.96%	+$6,489 4.00%	$168,705
17 (71)	$168,705	33.36%	+$6,748 4.00%	$175,453
18 (72)	$175,453	28.58%	+$7,018 4.00%	$182,472
19 (73)	$182,472	21.04%	+$7,299 4.00%	$189,770
20 (74)	$189,770	-9.10%	- Floor Protected	$189,770
21 (75)	$189,770	-11.89%	- Floor Protected	$189,770
22 (76)	$189,770	-22.10%	- Floor Protected	$189,770
23 (77)	$189,770	28.68%	+$7,591 4.00%	$197,361
24 (78)	$197,361	10.88%	+$7,894 4.00%	$205,256
25 (79)	$205,256	4.91%	+$8,210 4.00%	$213,466
26 (80)	$213,466	15.79%	+$8,539 4.00%	$222,005
27 (81)	$222,005	5.49%	+$8,880 4.00%	$230,885
28 (82)	$230,885	-37.00%	- Floor Protected	$230,885
29 (83)	$230,885	26.46%	+$9,235 4.00%	$240,120
30 (84)	$240,120	15.06%	+$9,605 4.00%	$249,725

Index Fund	BLOOMBERG_DYNAMIC_BALANCE_II
Rate Strategy Type	Participation
Rate	65.00%
Allocated Amount	$0 0.0%

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$0 0.00% Floor Protected	$100,000
2 (56)	$100,000	+$4,000 4.00%	$104,000
3 (57)	$104,000	+$4,160 4.00%	$108,160
4 (58)	$108,160	+$4,326 4.00%	$112,486
5 (59)	$112,486	+$4,499 4.00%	$116,986
6 (60)	$116,986	+$4,679 4.00%	$121,665
7 (61)	$121,665	+$4,867 4.00%	$126,532
8 (62)	$126,532	+$5,061 4.00%	$131,593
9 (63)	$131,593	+$5,264 4.00%	$136,857
10 (64)	$136,857	+$0 0.00% Floor Protected	$136,857
11 (65)	$136,857	+$5,474 4.00%	$142,331
12 (66)	$142,331	+$5,693 4.00%	$148,024
13 (67)	$148,024	+$5,921 4.00%	$153,945
14 (68)	$153,945	+$2,032 1.32%	$155,977
15 (69)	$155,977	+$6,239 4.00%	$162,217
16 (70)	$162,217	+$6,489 4.00%	$168,705
17 (71)	$168,705	+$6,748 4.00%	$175,453
18 (72)	$175,453	+$7,018 4.00%	$182,472
19 (73)	$182,472	+$7,299 4.00%	$189,770
20 (74)	$189,770	+$0 0.00% Floor Protected	$189,770
21 (75)	$189,770	+$0 0.00% Floor Protected	$189,770
22 (76)	$189,770	+$0 0.00% Floor Protected	$189,770
23 (77)	$189,770	+$7,591 4.00%	$197,361
24 (78)	$197,361	+$7,894 4.00%	$205,256
25 (79)	$205,256	+$8,210 4.00%	$213,466
26 (80)	$213,466	+$8,539 4.00%	$222,005
27 (81)	$222,005	+$8,880 4.00%	$230,885
28 (82)	$230,885	+$0 0.00% Floor Protected	$230,885
29 (83)	$230,885	+$9,235 4.00%	$240,120
30 (84)	$240,120	+$9,605 4.00%	$249,725

Lifetime Income Projection

Annual Withdrawal	$16,648 Locked for lifetime
Total Withdrawals	$249,725 Until age 100

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Annual Withdrawal	Accumulated Withdrawal Amount
1 Income Start	85	$249,725	$16,648Locked AmountPV: $16,648	$16,648
2Payout Year	86	$233,077	$16,648Locked AmountPV: $16,163	$33,297
3Payout Year	87	$216,428	$16,648Locked AmountPV: $15,693	$49,945
4Payout Year	88	$199,780	$16,648Locked AmountPV: $15,236	$66,593
5Payout Year	89	$183,132	$16,648Locked AmountPV: $14,792	$83,242
6Payout Year	90	$166,483	$16,648Locked AmountPV: $14,361	$99,890
7Payout Year	91	$149,835	$16,648Locked AmountPV: $13,943	$116,538
8Payout Year	92	$133,187	$16,648Locked AmountPV: $13,537	$133,187
9Payout Year	93	$116,538	$16,648Locked AmountPV: $13,142	$149,835
10Payout Year	94	$99,890	$16,648Locked AmountPV: $12,760	$166,483
11Payout Year	95	$83,242	$16,648Locked AmountPV: $12,388	$183,132
12Payout Year	96	$66,593	$16,648Locked AmountPV: $12,027	$199,780
13Payout Year	97	$49,945	$16,648Locked AmountPV: $11,677	$216,428
14Payout Year	98	$33,297	$16,648Locked AmountPV: $11,337	$233,077
15Payout Year	99	$16,648	$16,648Locked AmountPV: $11,007	$249,725

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

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