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Best Guaranteed Annuity Rates
2-Year
5.50%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Allianz 360 Annuity

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.

The Allianz 360 Annuity is a fixed index annuity which has a 10 year surrender charge period. Like all fixed index annuities, Allianz 360 Annuity and the 360 Benefit rider (included at an additional cost) offer you principal protection from market downturns, potential interest based on allocation options chosen, tax deferral, and a death benefit for beneficiaries.
The interest bonus will continue for both fixed and indexed allocation until you surrender your contract for a lump sum or take income, either as lifetime withdrawals or annuity payments.
Allianz 360 Annuity may be a good choice if you're looking for retirement accumulation opportunities, with the flexibility to start receiving lifetime retirement income when you're ready.
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 bps for every year of age at issue.
Two payout options to choose from. Option 1 offers predictable income payments and Option 2 offers the potential for income increases based on changes in fixed or indexed interest allocations.

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. 
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
1-Year Fixed Account
Fixed
2.1% Fixed
2-Year Bloomberg US Dynamic Balance II ER MY PTP Participation Rate
Point to Point
Biennial
125% Participation
2-Year PIMCO Tactical Balanced ER MY PTP Participation Rate
Point to Point
Biennial
120% Participation
2-Year S&P 500 Futures Daily Disk Control 5% MY PTP Participation Rate
Point to Point
Biennial
130% Participation
5-Year Bloomberg US Dynamic Balance II ER MY PTP Participation Rate
Point to Point
5-Year
230% Participation
5-Year PIMCO Tactical Balanced ER MY PTP Participation Rate
Point to Point
5-Year
225% Participation
5-Year S&P 500 Futures Daily Disk Control 5% MY PTP Participation Rate
Point to Point
5-Year
250% Participation
1-Year PIMCO Tactical Balanced ER PTP Participation Rate
Point to Point
Annual
70% Participation
1-Year BlackRock iBLD Claria PTP Spread
Point to Point
Annual
1.7% Spread
1-Year BlackRock iBLD Claria PTP Cap
Point to Point
Annual
4.96% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.4% Cap
1-Year S&P 500 PTP Cap
Point to Point
Annual
4% Cap
1-Year PIMCO Tactical Balanced PTP Spread
Point to Point
Annual
2.35% Spread
1-Year PIMCO Tactical Balanced PTP Cap
Point to Point
Annual
5% Cap
1-Year Bloomberg US Dynamic Balance II PTP Spread
Point to Point
Annual
2.1% Spread
1-Year Bloomberg US Dynamic Balance II PTP Cap
Point to Point
Annual
5% Cap
1-Year BlackRock iBLD Claria ER PTP Participation Rate
Point to Point
Annual
75% Participation
1-Year Bloomberg US Dynamic Balance II ER PTP Participation Rate
Point to Point
Annual
75% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 10% 10% 9% 8% 6% 5% 4% 3% 1%

Riders

Name Inbuilt Fee
Allianz 360 Benefit: Option 1 Yes 0.95% annually (3.00% max)
Allianz 360 Benefit: Option 2 Yes 0.95% annually (3.00% max)