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

The minimum premium amount is $10000.00.

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 80 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 286537.45% 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

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

Simulation & Edit Mode

Allianz Essential Income 7

About this product

Important Disclaimer

Portfolio Analysis

Portfolio Summary

Portfolio Strategy-by-Strategy Analysis

Strategy Performance Comparison

Index Funds

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Lifetime Income Projection

Lifetime Income Projection

Yearly Income Projection

Available Product Policies Details

Accumulation Phase

Annuitization Phase