Allianz Accumulation Advantage
In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.
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Learn how an annuity can provide guaranteed income for life.
Accumulation Advantage Annuity provides the typical features of fixed index annuities – including principal protection from market downturns, the potential for tax-deferred growth, options for annuity income payments, and a death benefit for your beneficiaries.
To help with accumulating savings for retirement, Accumulation Advantage also gives you:
To help with accumulating savings for retirement, Accumulation Advantage also gives you:
- the potential to receive indexed interest based on changes in an external market index
- a variety of options to direct your premiums toward, including 14 index allocations and a fixed interest allocation
MY (Multi-Year) Point-to-Point Crediting
MY (multi-year) point-to-point crediting methods may be a good choice for clients with a longer time horizon, while still offering short-term control with Index Lock.
MY point-to-point crediting offers two options: a 2-year or 5-year crediting period. And whichever option your clients choose, the participation rates are guaranteed until the end of the crediting period.
But remember that your clients don't have to wait until the end of the crediting period. If they see an index value they like, they can lock in that value with Index Lock.
Please, refer to the official Allianz website for rates and illustrations.
MY (multi-year) point-to-point crediting methods may be a good choice for clients with a longer time horizon, while still offering short-term control with Index Lock.
MY point-to-point crediting offers two options: a 2-year or 5-year crediting period. And whichever option your clients choose, the participation rates are guaranteed until the end of the crediting period.
But remember that your clients don't have to wait until the end of the crediting period. If they see an index value they like, they can lock in that value with Index Lock.
Please, refer to the official Allianz website for rates and illustrations.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 2-Year Fixed Account |
Fixed
|
4%
Fixed
|
| 2-Year Bloomberg US Dynamic Balance ER II MY PTP Participation Rate |
Point to Point
Biennial
|
205%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
7.25%
Cap
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
2.2%
Cap
|
| 1-Year Bloomberg US Dynamic Balance II PTP Cap |
Point to Point
Annual
|
7.25%
Cap
|
| 1-Year PIMCO Tactical Balanced PTP Cap |
Point to Point
Annual
|
7%
Cap
|
| 1-Year PIMCO Tactical Balanced PTP Spread |
Point to Point
Annual
|
2.75%
Spread
|
| 1-Year BlackRock iBLD Claria PTP Cap |
Point to Point
Annual
|
7.5%
Cap
|
| 1-Year Bloomberg US Dynamic Balance II PTP Spread |
Point to Point
Annual
|
2.5%
Spread
|
| 1-Year BlackRock iBLD Claria PTP Spread |
Point to Point
Annual
|
2.25%
Spread
|
| 2-Year PIMCO Tactical Balanced ER MY PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 1-Year PIMCO Tactical Balanced ER PTP Participation Rate |
Point to Point
Annual
|
145%
Participation
|
| 1-Year BlackRock iBLD Claria ER PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
| 1-Year Bloomberg US Dynamic Balance ER II PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
| 2-Year S&P 500 Futures Daily Risk Control 5% (ER) MY PTP Participation Rate |
Point to Point
Biennial
|
210%
Participation
|
| 5-Year Bloomberg US Dynamic Balance II (ER) MY PTP Participation Rate |
Point to Point
5-Year
|
300%
Participation
|
| 5-Year PIMCO Tactical Balanced (ER) MY PTP Participation Rate |
Point to Point
5-Year
|
295%
Participation
|
| 5-Year S&P 500 Futures Daily Risk Control 5% (ER) MY PTP Participation Rate |
Point to Point
5-Year
|
315%
Participation
|
| 2-Year Fixed Account |
Fixed
|
4.5%
Fixed
|
| 1-Year BlackRock iBLD Claria PTP Cap |
Point to Point
Annual
|
9%
Cap
|
| 2-Year PIMCO Tactical Balanced ER MY PTP Participation Rate |
Point to Point
Biennial
|
215%
Participation
|
| 1-Year PIMCO Tactical Balanced ER PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
| 1-Year S&P 500 PTP Monthly Sum Cap |
Point to Point
Annual
Monthly sum
|
2.5%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.25%
Cap
|
| 1-Year Bloomberg US Dynamic Balance ER II PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 1-Year BlackRock iBLD Claria PTP Spread |
Point to Point
Annual
|
1.5%
Spread
|
| 1-Year Bloomberg US Dynamic Balance II PTP Cap |
Point to Point
Annual
|
8.75%
Cap
|
| 1-Year PIMCO Tactical Balanced PTP Cap |
Point to Point
Annual
|
8.5%
Cap
|
| 1-Year BlackRock iBLD Claria ER PTP Participation Rate |
Point to Point
Annual
|
175%
Participation
|
| 2-Year Bloomberg US Dynamic Balance ER II MY PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 1-Year PIMCO Tactical Balanced PTP Spread |
Point to Point
Annual
|
2%
Spread
|
| 1-Year Bloomberg US Dynamic Balance II PTP Spread |
Point to Point
Annual
|
1.75%
Spread
|
| 2-Year S&P 500 Futures Daily Risk Control 5% (ER) MY PTP Participation Rate |
Point to Point
Biennial
|
230%
Participation
|
| 5-Year Bloomberg US Dynamic Balance II (ER) MY PTP Participation Rate |
Point to Point
5-Year
|
325%
Participation
|
| 5-Year PIMCO Tactical Balanced (ER) MY PTP Participation Rate |
Point to Point
5-Year
|
320%
Participation
|
| 5-Year S&P 500 Futures Daily Risk Control 5% (ER) MY PTP Participation Rate |
Point to Point
5-Year
|
340%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Flexible Annuity Option Rider | No | None |