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Allianz Ratings
Allianz LifeRating
5701 Golden Hills Dr., Minneapolis, MN 55416
A.M. Best RatingA+
Moody's (21 rankings)A1 (5)
Comdex (percentile of all rated companies)94
Standard & Poor's (20 Possible Ratings)AA (3)
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Allianz Annuities - Rates Effective October 2020

The below table lists current rates for Allianz Annuities, including Allianz 222, Allianz 360, Allianz Core Income 7, Accumulation Advantage and Retirement Foundation ADV.

Allianz 222 Product Specs:

Issue Ages
  • 0-80
Tax Qualifications
  • Non-qualified
  • Qualified
  • Inherited non-qualified
  • 403(b) (Traditional and Roth)
  • IRA (Traditional, Roth, SEP, SIMPLE and Inherited)
  • 457(b)
Bonus
  • Two bonuses credited to the Protected Income Value (PIV). First, a 15% bonus on premium received during the first 18 months. Next, an interest bonus equal to 50% of any fixed and/or indexed interest will be credited as long as the client's contract is in force.

    To receive the Protected Income Value, including any premium and interest bonuses, clients must hold their annuity in deferral for at least 10 contract years and begin receiving lifetime income withdrawals between the ages of 60 and 100. They will not receive the premium bonus or potential interest bonuses if the contract is fully or partially surrendered, traditional annuity payments are taken, or if the Protected Income Value rider is terminated. The PIV is not available in a lump sum.

Purchase Payments Minimum and Maximum
  • $20,000 qualified / nonqualified
  • Prior approval is required on cases of $1,000,000 or more. Contact your Allianz representative for more details.
Early WIthdrawal Charges

10-year declining surrender charge period

10,9,8,7,6,5,4,3,2,1

Free Withdrawal Alloawances
  • During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge or market value adjustment.
  • After the first contract year, 10% of the sum of the account value as of the most recent contract anniversary plus all purchase payments received since that contract anniversary may be withdrawn without an early withdrawal charge or market value adjustment
Access
  • In the contract year following the most recent premium payment, up to 10% of total premium paid is available each year in one or more withdrawals without surrender charge as long as the contract is not surrendered in the same year. Partial withdrawals may not exceed the remaining cash surrender value.

    Payout options are available but not required. The full accumulation value is available after 10-year surrender charge period. After five years, your client can annuitize the full accumulation value, which does not include any bonuses, over a period of at least 10 years. After the first contract year, your client can choose to annuitize the accumulation value, which does not include any bonuses, over a period of 10 to 30 years via the Flexible Annuity Option Rider. At higher ages, your client may be able to take the payments over a period of fewer than 10 years.

Market Value Adjustment (MVA)

Market value adjustment (MVA): If the contract is partially or fully surrendered (not including 10% free withdrawals and required minimum distributions), it will be subject to an MVA during the surrender charge period. An MVA will also apply if the contract is annuitized prior to the sixth contract year or if annuity payments are taken over a period of less than 10 years.

Crediting Strategies
  • Monthly sum with a cap: S&P 500® Index, Nasdaq-100® Index, Russell 2000® Index

    Annual point-to-point with a cap:1 S&P 500® Index, Nasdaq-100® Index, Russell 2000® Index, BlackRock iBLD Claria® Index, Bloomberg US Dynamic Balance Index II, PIMCO Tactical Balanced Index

    Annual point-to-point with a spread:1 BlackRock iBLD Claria® Index, Bloomberg US Dynamic Balance Index II, PIMCO Tactical Balanced Index

    Annual point-to-point with a participation rate:1 Bloomberg US Dynamic Balance II ER Index, PIMCO Tactical Balanced ER Index, BlackRock iBLD Claria® ER Index

    2-year point-to-point with a participation rate:1 Bloomberg US Dynamic Balance II ER Index, PIMCO Tactical Balanced ER Index, BlackRock iBLD Claria® ER Index

    A fixed interest allocation is also available.

    Allocation options may vary by state.2

Income Withdrawal Percentages
  • Protected Income Value
    The Protected Income Value (PIV) can receive two bonuses, a 15% premium bonus on any premiums in the first 18 months and an interest bonus equal to 50% of any earned fixed and/or indexed interest for as long as they own the contract.

    After 10 contract years your client can access the Protected Income Value, which includes premium bonuses, any interest bonuses, and any interest credits, by electing either single or joint lifetime income withdrawals. The annual payment amount will increase following any years there is fixed and/or indexed interest credited and will receive the 50% interest bonus. Initial annual payments will be based on client's age at the time withdrawals begin.

  • Allianz Income Multiplier (AIM) benefit
    The AIM benefit allows your client to double their annual maximum lifetime income withdrawal if confined to a qualifying nursing home, hospital, or assisted living facility for at least 90 days in a consecutive 120-day period, or if they are unable to perform at least two of the six activities of daily living (ADLs). The ADLs are bathing, continence, dressing, eating, toileting, and transferring.

    Confinement must occur after the first contract year and either during the contract year before the start of lifetime income withdrawals or at any time thereafter. To be eligible via ADLs, a physician must certify that they are unable to perform at least two of the six ADLs. Diagnosis must occur during the contract year prior to lifetime income withdrawals beginning or anytime thereafter. (Varies by state)

    Income benefit fee:
    None

Fees

No up front fees, sales charges. Withdrawal charge schedule applies during the first 10 years. Some allocation options may be subject to an Allocation Charge.

Allianz 222 Rates and Product Guide

Allianz 360 Product Details

Issue Ages

Issue Ages 0-80

Tax Qualifications
  • Non-qualified
  • Qualified
  • Inherited non-qualified
  • 403(b) (Traditional and Roth)
  • IRA (Traditional, Roth, SEP, SIMPLE and Inherited)
  • 457(b)
RMD

Available in all states for this contract with no penalty to the client. However, counts toward free withdrawals for the year.

Purchase Payments Minimum and Maximum
  • $20,000 qualified/nonqualified
  • Flexible premium the first 18 months

Prior approval is required on cases of $1,000,000 or more. Contact your Allianz representative for more details.

Early WIthdrawal Charges

In the contract year following the most recent premium payment, up to 10% of total premium paid is available each year in one or more withdrawals without surrender charge as long as the contract is not surrendered in the same year. Partial withdrawals may not exceed the remaining cash surrender value.

Payout options are available but not required. The full accumulation value is available after 10-year surrender charge period. After five years, your client can annuitize the full accumulation value, which does not include any bonuses, over a period of at least 10 years. After the first contract year, your client can choose to annuitize the accumulation value, which does not include any bonuses, over a period of 10 to 30 years via the Flexible Annuity Option Rider. At higher ages, your client may be able to take the payments over a period of fewer than 10 years.

Free Withdrawal Alloawances
  • During the first contract year, 10% of purchase payments may be withdrawn without an early withdrawal charge or market value adjustment.
  • After the first contract year, 10% of the sum of the account value as of the most recent contract anniversary plus all purchase payments received since that contract anniversary may be withdrawn without an early withdrawal charge or market value adjustment
  •  
Waivers
  • Terminal Illness Waiver
  • Extended Care Waiver
Market Value Adjustment (MVA)

A market value adjustment will apply to withdrawals or surrenders during the seven-year term

Crediting Strategies

Monthly sum with a cap: S&P 500® Index, Nasdaq-100® Index, Russell 2000® Index

Annual point-to-point with a cap: S&P 500® Index, Nasdaq-100® Index, Russell 2000® Index, BlackRock iBLD Claria® Index, Bloomberg US Dynamic Balance Index II, PIMCO Tactical Balanced Index

Annual point-to-point with a spread: BlackRock iBLD Claria® Index, Bloomberg US Dynamic Balance Index II, PIMCO Tactical Balanced Index

Annual point-to-point with a participation rate: Bloomberg US Dynamic Balance II ER Index, PIMCO Tactical Balanced ER Index, BlackRock iBLD Claria® ER Index

2-year point-to-point with a participation rate: Bloomberg US Dynamic Balance II ER Index, PIMCO Tactical Balanced ER Index, BlackRock iBLD Claria® ER Index

A fixed interest allocation is also available.

Allocation options may vary by state.

Income withdrawal benefits

Allianz 360 Benefit rider:
The Allianz 360 Benefit rider is included with the Allianz 360 Annuity for an additional annual charge. It offers an interest bonus and increasing income withdrawal percentages (beginning at age 40); both continue until the earliest of rider termination, lifetime withdrawals begin, or annuitization is started. It also offers a choice of two income payment options: predictable payments and payments with the opportunity to increase.

Interest bonus
A 25% interest bonus will be added to any fixed or indexed interest earned and credited to the accumulation value of the contract until lifetime withdrawals begin, the Allianz 360 Benefit rider is terminated, or the contract is annuitized, whichever comes first. The interest bonus will be calculated after any cap or spread is applied.

Increasing withdrawal percentages
Beginning at age 40, the contract’s lifetime withdrawal percentages will automatically increase each year your client holds the contract, until income payments begin. The base payment percentage is determined by the age of your client at the time they purchase the annuity. Starting at age 50 the base payout percentages increase 10 basis points for every year of age at issue.

Payout options
Two payout options to choose from: Level Income offers predictable income payments and Increasing Income offers the potential for income increases based on changes in fixed or indexed interest allocations. See Allianz 360 Level Income (CSI-348) (PDF) or Allianz Increasing Income (CSI-349) (PDF) withdrawal percentage charts for age-specific withdrawal percentages.

Rider cost:
The annual charge for the Allianz 360 Benefit rider is 1.30% of the contract’s accumulation value. After the first contract year, the annual Benefit rider charge can change, but it will never be greater than the maximum Benefit rider charge of 3%. 

Rider cancellation:
The contract owner can cancel this rider at any time after the fifth contract year. Once the rider is canceled, it may not be reinstated. If the rider is canceled, the client will no longer receive interest bonuses from that point forward and will lose the ability to take lifetime withdrawals.

Fees

No up-front sales charges; annual income rider fee applies.

Allianz 360 Annuity Rates & Product Guide

Allianz Annuities 2019 U.S. Individual Annuity Sales

The table below lists the top 10 Annuity Companies in terms of U.S. Individual Fixed Index Annuity Sales for 2019; according to LIMRA Secure Retirement Institute. As you can see they sold a little over $8.3 Billion worth of indexed annuities in 2019.

RankCompany nameIndexed
1Allianz Life 8,358,718
2Athene 6,122,393
3AIG Companies6,026,956
4Nationwide5,455,800
5American Equity 4,705,319
6Lincoln Financial4,122,282
7Jackson3,738,838
8Global Atlantic 3,607,134
9Pacific Life3,321,109
10Great American3,142,476

Allianz Annuity Brochures

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