Allianz Life Insurance Company of North America
4.5
based on complex data
Annuity Educator Rating
Annuity review

Allianz Accumulation Advantage

The Allianz Accumulation Advantage is a standout choice for securing your future. It's straightforward and reliable, promising steady income throughout your retirement years. It's like getting a paycheck, even when you've stopped working!

Benefit from features like bonus opportunities and flexible withdrawals. This annuity truly shines in offering security and peace of mind. No more sleepless nights worrying about the future. With Allianz, you're in good hands!

Allianz Accumulation Advantage-brochure Allianz Accumulation Advantage-brochure

Allianz Accumulation Advantage

Your Email

Compare this annuity with 800+ others from 100+ companies

$

No agent will call you

About Product

Type
Fixed Index
Purpose
Accumulation
Term
10 Years
Surrender schedule
9.3%
8.85%
7.9%
6.95%
5.95%
5%
4%
3%
2%
1%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$20,000
Maximum Contribution
$2,000,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, 401k, Profit Sharing, IRA, Pension, IRA Rollover, 401a, IRA Transfer, SEP IRA, KEOGH, IRA-Roth, and TSP
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:
  • 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
Index Lock
The Index Lock feature helps you react to volatility by letting you lock in an index value at any point during the crediting period. This assures you receive a positive index credit, no matter what happens in the market during the remainder of the crediting period.

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.

Allocation Charge
MY 2-year point-to-point, and MY 5-year point-to-point crediting methods are subject to an allocation charge, deducted annually from the contract accumulation value and guaranteed minimum value (in most states). The current allocation charge percentage is 0.00%. After contract issue, the allocation charge percentage can only change when specified criteria are met, and can never be greater than the maximum allocation charge percentage of 2.5%.

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
3.75% 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
6.5% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
2.2% Cap
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
130% Participation
1-Year BlackRock iBLD Claria ER PTP Participation Rate
Point to Point
Annual
155% Participation
1-Year Bloomberg US Dynamic Balance ER II PTP Participation Rate
Point to Point
Annual
135% Participation
2-Year S&P 500 Futures Daily Risk Control 5% (ER) MY PTP Participation Rate
Point to Point
Biennial
215% Participation
5-Year Bloomberg US Dynamic Balance II (ER) MY PTP Participation Rate
Point to Point
5-Year
305% 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
325% Participation
2-Year Fixed Account
Fixed
4.25% Fixed
2-Year PIMCO Tactical Balanced ER MY PTP Participation Rate
Point to Point
Biennial
220% Participation
1-Year PIMCO Tactical Balanced ER PTP Participation Rate
Point to Point
Annual
150% 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
8.25% Cap
1-Year Bloomberg US Dynamic Balance ER II PTP Participation Rate
Point to Point
Annual
155% Participation
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
225% Participation
2-Year S&P 500 Futures Daily Risk Control 5% (ER) MY PTP Participation Rate
Point to Point
Biennial
240% Participation
5-Year Bloomberg US Dynamic Balance II (ER) MY PTP Participation Rate
Point to Point
5-Year
345% Participation
5-Year PIMCO Tactical Balanced (ER) MY PTP Participation Rate
Point to Point
5-Year
335% Participation
5-Year S&P 500 Futures Daily Risk Control 5% (ER) MY PTP Participation Rate
Point to Point
5-Year
365% 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%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
See if this annuity ranks in your top 3 for Virginia
$
!

Riders

No Riders for Allianz Accumulation Advantage annuity.

Waivers

Nursing Home

Unavailable in states: CA

If you are admitted to a nursing home, assisted living care facility, or hospital after the first contract year, and you are there for at least 30 days in any 35-day period, you can begin taking annuity income based on your full accumulation value. We make equal payments for a period you choose that's at least 5 years and no more than 9 years. There is no fee charged for this benefit.

Premium Notes

Premium Notes
Initial minimum: $20,000, qualified and nonqualified 
Maximum premium: $2,000,000 without approval 
Additional premium may be accepted through the first 18 months. Flexible premium Payments available via lump sump or systematic payments during funding window (monthly, quarterly, semiannually or annually). 

Withdrawal Provisions

Free WithdrawalsIn the contract year following the most recent premium payment, up to 10% of the contract's premium paid, minus withdrawals, can be withdrawn each contract year without incurring withdrawal charges or penalties as long as the money is withdrawn after the first contract year; not to exceed cash surrender value. If, in the same contract year as one or more free withdrawals, the contract is surrendered, we will retroactively assess the withdrawal charge.

Company Founded: 1896
TOP Rated Company
Allianz Life Insurance Company of North America
Company Ratings
4.4
  • A.M. Best A+
  • S&P AA
  • Moody's Aa3
  • Comdex 96
Assets: $125,084,600,553
Minnesota

Similar Products

Accumulator Plus 7
Accumulator Plus 7
A 10.00%
Fixed Rate
3.75%
Term
7yrs
Teton Bonus 5 (Most States)
Teton Bonus 5 (Most States)
B 6.25%
Fixed Rate
3.00%
Term
5yrs
SurePath 7
SurePath 7
A+ 5.25%
Fixed Rate
3.00%
Term
7yrs
James Alden Experienced Annuity Educator
25 years experience
3,712 career consultations
4 slots free for today
scheduling.
Your Name
Your Phone
Thank you for your trust! I have received your contact information. Please wait for a call within 30 minutes. 😌