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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

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:
  • 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. 
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.

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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: 
  • 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.

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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