Allianz Accumulation Advantage
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Highlights
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.
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.
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
|
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% |
|
Free withdrawal
|
1st year: 0% 2nd+ year: 10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
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 |
Brochure
|
Open brochure |
Find out if the Allianz Accumulation Advantage is the right product for you.
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).
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).
Notes:
- Allianz takes TSP (Traditional savings plans) as a direct rollover to an IRA.
- Allianz accepts Roth IRA conversions:
While a Roth IRA conversion does create ordinary income in the year of conversion, as long as the distributions from the Roth IRA are qualified, all growth after that is income-tax-free. Generally, if the taxpayer anticipates being subject to higher tax rates in the future than the taxpayer is subject to today, Roth IRA conversions might help the client ultimately have a source of income that is free from income taxes in retirement. Converting a qualified plan or Traditional IRA to a Roth IRA is a taxable event.
Withdrawal Provisions
Free Withdrawals
In 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.
In 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.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 2-Year Fixed Account |
Fixed
|
4.1%
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
|
4.6%
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
|
220%
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 |
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.
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