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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%

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
  • 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.

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, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY
Type
Registered Index-Linked
Purpose Accumulation
Term
6 Years
Surrender schedule
8%8%7%6%5%4%
Free withdrawal
10%
Flexible premium Product Life
Market value adjustment
Return of premium
Minimum contribution
$10,000
Maximum contribution
$1,000,000
Max Age Qualified
85
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.

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Premium Notes

Note: we take TSP as a direct rollover to an IRA

Withdrawal Provisions

Free Withdrawal Privilege
10% of total purchase payments, available annually/ any unused portion does not carry over from one year to the next

Annuity Payout Options
  • Life
  • Joint and survivor
  • LIfe with a guaranteed period
  • Guaranteed period
  • Joint and 2/3 survivor

Allocation Accounts

Name Type Rates
1-Year EURO STOXX 50 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
10% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
8.9% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
11.4% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
11% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 10% Buffer
Dual Step Up
Annual
10.1% 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
8.5% Performance triggered
1-Year EURO STOXX 50 Protection Strategy
Performance Triggered
Annual
9.7% Performance triggered
1-Year S&P 500 Protection Strategy
Performance Triggered
Annual
9.3% Performance triggered
1-Year Russell 2000 Protection Strategy
Performance Triggered
Annual
9.8% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Precision Strategy
Performance Triggered
Annual
11% Performance triggered
1-Year Russell 2000 Precision Strategy
Performance Triggered
Annual
13.8% Performance triggered
1-Year EURO STOXX 50 Precision Strategy
Performance Triggered
Annual
13.4% Performance triggered
1-Year S&P 500 Precision Strategy
Performance Triggered
Annual
11.6% Performance triggered
1-Year Nasdaq-100 Precision Strategy
Performance Triggered
Annual
13.8% Performance triggered
1-Year Nasdaq-100 Protection Strategy
Performance Triggered
Annual
9.3% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
6.5% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
8% Performance triggered
1-Year S&P 500 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
7% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
6.8% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
8.4% Performance triggered
1-Year Nasdaq-100 Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
6.9% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
6.8% Performance triggered
1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 30% Buffer
Dual Step Up
Annual
6% Performance triggered
1-Year EURO STOXX 50 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
7.6% Performance triggered
1-Year Russell 2000 Dual Precision Strategy with 20% Buffer
Dual Step Up
Annual
8.3% Performance triggered

Surrender schedule

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

Riders

Name Inbuilt Fee
Maximum Anniversary Value Death Benefit No 0.20% annually

Waivers

Hospital

Unavailable in states: MA

Waiver of Withdrawal Charge Benefit After the first Contract year, you can take withdrawals and we waive the withdrawal charge if you: -have to stay in an eligible facility (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120 period, or -are unable to perform at least two of six activities of daily living (ADLs) for at least 90 consecutive days.

Nursing Home

Unavailable in states: MA

Waiver of Withdrawal Charge Benefit After the first Contract year, you can take withdrawals and we waive the withdrawal charge if you: -have to stay in an eligible facility (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120 period, or -are unable to perform at least two of six activities of daily living (ADLs) for at least 90 consecutive days.

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