Index Advantage+
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Highlights
Index Advantage+, our core registered index-linked annuity (RILA), is designed to help you accumulate money for retirement. It can give you long-term growth potential through market participation – plus a level of protection through multiple index options.
Issue Age:
age 85 or younger if you select the traditional death Benefit, or age 75 or younger if you select the Maximum Anniversary Value Death Benefit.
Product and Rider Fees
Product Fee is 1.25%
Rider fee is 0.20% for the maximum Anniversary Valued Death Benefit. If you select this benefit, If you will pay 1.45% in total annual contract fees. (product fee plus the rider fee).
Other Contract Fees and Expenses
Issue Age:
age 85 or younger if you select the traditional death Benefit, or age 75 or younger if you select the Maximum Anniversary Value Death Benefit.
Product and Rider Fees
Product Fee is 1.25%
Rider fee is 0.20% for the maximum Anniversary Valued Death Benefit. If you select this benefit, If you will pay 1.45% in total annual contract fees. (product fee plus the rider fee).
Other Contract Fees and Expenses
- An 8.5 declining withdrawal charge applies to withdrawals taken within six years after receipt of each Purchase Payment during the accumulation phase.
- $50 contract maintenance charge assessed annually if the total Contract Value is less than $100,000.
A contract year is any period of twelve months beginning on the Issue Date or subsequent Contract Anniversary. A Contract Anniversary is a twelve-month anniversary of the Issue Date or any subsequent Contract Anniversary.
Variable Options
Blackrock
AZL Government Money Market Fund
Other Expenses for the AZL Government Money Market Fund include a recoupment of prior waived fees in the amount of 0.24%. The Manager has voluntarily undertaken to waive, reimburse, or pay the Fund’s expenses to the extent necessary in order to maintain a minimum daily net investment income for the Fund of 0.00%. The recoupment of prior waived fees reflects the recoupment of amounts previously waived, reimbursed, or paid by the Manager under this arrangement. Such recoupments are subject to the following limitations: (1) the repayments will not cause the Fund’s net investment income to fall below 0.00%; (2) the repayments must be made no later than three years after the end of the fiscal year in which the waiver, reimbursement, or payment took place; and (3) any expense recovery paid by the Fund will not cause its expense ratio to exceed 0.87%. See the Investment Option prospectus for further information.
Variable Options
Blackrock
AZL Government Money Market Fund
Other Expenses for the AZL Government Money Market Fund include a recoupment of prior waived fees in the amount of 0.24%. The Manager has voluntarily undertaken to waive, reimburse, or pay the Fund’s expenses to the extent necessary in order to maintain a minimum daily net investment income for the Fund of 0.00%. The recoupment of prior waived fees reflects the recoupment of amounts previously waived, reimbursed, or paid by the Manager under this arrangement. Such recoupments are subject to the following limitations: (1) the repayments will not cause the Fund’s net investment income to fall below 0.00%; (2) the repayments must be made no later than three years after the end of the fiscal year in which the waiver, reimbursement, or payment took place; and (3) any expense recovery paid by the Fund will not cause its expense ratio to exceed 0.87%. See the Investment Option prospectus for further information.
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, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
6 Years |
|
Surrender schedule
|
8.5%8%7%6%5%4% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Types of funds
|
Non-Qualified, IRA, 401a, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, and TSP |
Brochure
|
Open brochure |
Find out if the Index Advantage+ is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year EURO STOXX 50 Dual Precision Strategy |
Dual Step Up
Annual
|
9.6%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy |
Dual Step Up
Annual
|
8.8%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy |
Dual Step Up
Annual
|
11.2%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy |
Dual Step Up
Annual
|
10.8%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy |
Dual Step Up
Annual
|
9.9%
Performance triggered
|
| 3-Year S&P 500 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 3-Year S&P 500 PTP Participation Rate Performance Strategy with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
|
| 3-Year Russell 2000 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
Triennial
|
110%
Participation
|
| 6-Year S&P 500 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
6-Year
|
130%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate Performance Strategy with 10% Buffer |
Point to Point
6-Year
|
125%
Participation
|
| 6-Year S&P 500 PTP Participation Rate Performance Strategy with 20% Buffer |
Point to Point
6-Year
|
120%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate Performance Strategy with 20% Buffer |
Point to Point
6-Year
|
115%
Participation
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
14%
Cap
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
16.75%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
13.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
14.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
11.75%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
20.25%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
23.5%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
21%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
22%
Cap
|
| 3-Year Russell 2000 PTP Participation Rate Performance Strategy with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
27.5%
Cap
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
21.25%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
24%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
29.5%
Cap
|
| 1-Year Russell 2000 PTP Cap Guard Strategy |
Point to Point
Annual
|
21.75%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Guard Strategy |
Point to Point
Annual
|
22.25%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Guard Strategy |
Point to Point
Annual
|
29.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Guard Strategy |
Point to Point
Annual
|
18%
Cap
|
| 1-Year S&P 500 PTP Cap Guard Strategy |
Point to Point
Annual
|
18%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF Protection Strategy |
Performance Triggered
Annual
|
8.3%
Performance triggered
|
| 1-Year EURO STOXX 50 Protection Strategy |
Performance Triggered
Annual
|
9.3%
Performance triggered
|
| 1-Year S&P 500 Protection Strategy |
Performance Triggered
Annual
|
9.1%
Performance triggered
|
| 1-Year Russell 2000 Protection Strategy |
Performance Triggered
Annual
|
9.4%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Precision Strategy |
Performance Triggered
Annual
|
10.8%
Performance triggered
|
| 1-Year Russell 2000 Precision Strategy |
Performance Triggered
Annual
|
13.5%
Performance triggered
|
| 1-Year EURO STOXX 50 Precision Strategy |
Performance Triggered
Annual
|
13%
Performance triggered
|
| 1-Year S&P 500 Precision Strategy |
Performance Triggered
Annual
|
11.4%
Performance triggered
|
| 1-Year Nasdaq-100 Precision Strategy |
Performance Triggered
Annual
|
13.5%
Performance triggered
|
| 1-Year Nasdaq-100 Protection Strategy |
Performance Triggered
Annual
|
9%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% | 4% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Maximum Anniversary Value Death Benefit | No | 0.20% annually |
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