What is the minimum premium amount for Allianz Essential Income 7?

The minimum premium amount is $10,000.

What is the maximum premium amount for Allianz Essential Income 7?

The maximum premium amount is $1,000,000.

What is the issue age range for Allianz Essential Income 7?

The issue age range is 0 to 85 years.

What is the company rating for Allianz Life Insurance Company of North America?

The company rating is A+ by AM_BEST.

What are the best rates available for Allianz Essential Income 7?

The best available performance strategy is S&P 500 - Cap 3.0% with 221518.28% final earnings.

Allianz Essential Income 7 - Allianz Life Insurance Company of North America

Simulation & Edit Mode

Active Product: Allianz Essential Income 7

Backtesting Notice: All results use historical data (1926-2026) and do NOT guarantee future performance.

You can adjust:

Funding & Timeline: Premium, Ages

Demographics: Zip Code, Gender, Account Type

Allianz Life Insurance Company of North America

A+

Allianz Essential Income 7

Provider

Allianz Life Insurance Company of North America

About this product

Fixed Index Annuity product from Allianz Life Insurance Company of North America with various crediting strategies and optional riders.

Important Disclaimer

The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.

Portfolio Average Credit Rate

1.69%

Projection Years

30 Years

Account Balance

$164,669.36

Lifetime Income

$164,669.36

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	$64,669
Accumulated Rider Fees	-$0
Final Account Value	$164,669
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$100,000	37.88%	+$3,000 3.00%	$103,000
2 (56)	$103,000	-11.91%	- Floor Protected	$103,000
3 (57)	$103,000	-28.48%	- Floor Protected	$103,000
4 (58)	$103,000	-47.07%	- Floor Protected	$103,000
5 (59)	$103,000	-14.78%	- Floor Protected	$103,000
6 (60)	$103,000	44.08%	+$3,090 3.00%	$106,090
7 (61)	$106,090	-4.71%	- Floor Protected	$106,090
8 (62)	$106,090	41.37%	+$3,183 3.00%	$109,273
9 (63)	$109,273	27.92%	+$3,278 3.00%	$112,551
10 (64)	$112,551	-38.59%	- Floor Protected	$112,551
11 (65)	$112,551	24.55%	+$3,377 3.00%	$115,927
12 (66)	$115,927	-5.18%	- Floor Protected	$115,927
13 (67)	$115,927	-15.09%	- Floor Protected	$115,927
14 (68)	$115,927	-17.86%	- Floor Protected	$115,927
15 (69)	$115,927	12.43%	+$3,478 3.00%	$119,405
16 (70)	$119,405	19.45%	+$3,582 3.00%	$122,987
17 (71)	$122,987	13.80%	+$3,690 3.00%	$126,677
18 (72)	$126,677	30.72%	+$3,800 3.00%	$130,477
19 (73)	$130,477	-11.87%	- Floor Protected	$130,477
20 (74)	$130,477	5.00%	+$3,914 3.00%	$134,392
21 (75)	$134,392	-0.65%	- Floor Protected	$134,392
22 (76)	$134,392	10.46%	+$4,032 3.00%	$138,423
23 (77)	$138,423	21.68%	+$4,153 3.00%	$142,576
24 (78)	$142,576	16.35%	+$4,277 3.00%	$146,853
25 (79)	$146,853	11.78%	+$4,406 3.00%	$151,259
26 (80)	$151,259	-6.62%	- Floor Protected	$151,259
27 (81)	$151,259	45.02%	+$4,538 3.00%	$155,797
28 (82)	$155,797	26.40%	+$4,674 3.00%	$160,471
29 (83)	$160,471	2.62%	+$4,199 2.62%	$164,669
30 (84)	$164,669	-14.31%	- Floor Protected	$164,669

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	+$3,000 3.00%	$103,000
2 (56)	$103,000	+$0 0.00% Floor Protected	$103,000
3 (57)	$103,000	+$0 0.00% Floor Protected	$103,000
4 (58)	$103,000	+$0 0.00% Floor Protected	$103,000
5 (59)	$103,000	+$0 0.00% Floor Protected	$103,000
6 (60)	$103,000	+$3,090 3.00%	$106,090
7 (61)	$106,090	+$0 0.00% Floor Protected	$106,090
8 (62)	$106,090	+$3,183 3.00%	$109,273
9 (63)	$109,273	+$3,278 3.00%	$112,551
10 (64)	$112,551	+$0 0.00% Floor Protected	$112,551
11 (65)	$112,551	+$3,377 3.00%	$115,927
12 (66)	$115,927	+$0 0.00% Floor Protected	$115,927
13 (67)	$115,927	+$0 0.00% Floor Protected	$115,927
14 (68)	$115,927	+$0 0.00% Floor Protected	$115,927
15 (69)	$115,927	+$3,478 3.00%	$119,405
16 (70)	$119,405	+$3,582 3.00%	$122,987
17 (71)	$122,987	+$3,690 3.00%	$126,677
18 (72)	$126,677	+$3,800 3.00%	$130,477
19 (73)	$130,477	+$0 0.00% Floor Protected	$130,477
20 (74)	$130,477	+$3,914 3.00%	$134,392
21 (75)	$134,392	+$0 0.00% Floor Protected	$134,392
22 (76)	$134,392	+$4,032 3.00%	$138,423
23 (77)	$138,423	+$4,153 3.00%	$142,576
24 (78)	$142,576	+$4,277 3.00%	$146,853
25 (79)	$146,853	+$4,406 3.00%	$151,259
26 (80)	$151,259	+$0 0.00% Floor Protected	$151,259
27 (81)	$151,259	+$4,538 3.00%	$155,797
28 (82)	$155,797	+$4,674 3.00%	$160,471
29 (83)	$160,471	+$4,199 2.62%	$164,669
30 (84)	$164,669	+$0 0.00% Floor Protected	$164,669

Lump Sum Payout Option Summary

Lump Sum Amount	$164,669
Calculation Method	Final EOY AV from growth projection No surrender charge