Allianz Retirement Foundation ADV
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Highlights
The Retirement Foundation ADV is a flexible premium deferred index annuity which will accept premiums during the first 3 policy years.
The Retirement Foundation ADV has a 7-year surrender charge period with an MVA provision. When you’re ready to start receiving income, the Retirement Foundation ADV Annuity with its built-in Income Benefit rider (automatically included at an additional cost):
The Retirement Foundation ADV has a 7-year surrender charge period with an MVA provision. When you’re ready to start receiving income, the Retirement Foundation ADV Annuity with its built-in Income Benefit rider (automatically included at an additional cost):
- Gives you increasing lifetime withdrawal percentages every year until you begin withdrawals, and
- Guarantees an income for life through your choice of lifetime withdrawals, predictable payments, and payments with the opportunity to increase. Both options are available for single or joint lives.
- Annual payout percentage increases apply to ages 45 and above. Lifetime benefit withdrawals cannot begin before age 50.
Income Benefit Rider Charge
The annual charge is a percentage of the contract accumulation value and can range from a minimum to a maximum.
After the first contract year, the annual Benefit rider charge can change, but it will never be greater than the maximum Benefit rider charge.
The rider charge will continue for the life of the contract even after lifetime income payments have begun.
The annual charge is a percentage of the contract accumulation value and can range from a minimum to a maximum.
After the first contract year, the annual Benefit rider charge can change, but it will never be greater than the maximum Benefit rider charge.
The rider charge will continue for the life of the contract even after lifetime income payments have begun.
Other features
Cumulative withdrawal amount; Nursing Home Benefit; Flexible Annuity Option Rider.
Cumulative withdrawal amount; Nursing Home Benefit; Flexible Annuity Option Rider.
This rider is available in most states for an extra fee, and you must select it when you apply for annuity: Flexible Withdrawal Rider.
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
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
7 Years |
|
Surrender schedule
|
6.5%6%5%4%3%2%1% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Types of funds
|
Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, 401a, IRA Transfer, SEP IRA, KEOGH, IRA-Roth, and TSP |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.8%
Fixed
|
| 1-Year Bloomberg Dynamic Balance II PTP Cap |
Point to Point
Annual
|
6%
Cap
|
| 1-Year Nasdaq-100 PTP Cap |
Point to Point
Annual
|
6%
Cap
|
| 1-Year Russell 2000 PTP Cap |
Point to Point
Annual
|
6%
Cap
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
6%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Penalty | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Retirement Foundation ADV Annuity - Income Benefit Rider Option 1 | Yes | 1.25% annually (1.25% max) |
| Retirement Foundation ADV Annuity - Income Benefit Rider Option 2 | Yes | 1.25% annually (1.25% max) |