4.9
based on complex data
Annuity Educator Rating
Annuity review
Index Advantage+ NF
The Index Advantage+ NF is a practical annuity choice, designed to secure your retirement income. With its built-in growth potential and protection from market downturns, it's a safety net for your golden years.
Its flexibility and options for lifetime income add a layer of retirement peace of mind. Ensure for your future that Index Advantage+ NF promises today!
Index Advantage+ NF
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About Product
Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
8%
8%
7%
6%
5%
4%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, Traditional IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, Inherited IRA, TSP, Roth Conversion (Partial), and Roth Conversion (Full)
The Allianz Index Advantage NF Variable Annuity offers a different risk-return consideration from traditional accumulation products and is designed to complement your portfolio. It includes a choice between two death benefits (one optional, for an additional fee) during the accumulation phase, three variable options, and multiple innovative index strategies to help meet your needs.
Rider Fee
Rider Fee is 0.20% for the Maximum Anniversary Valued Death Benefit
Rider Fee
Rider Fee is 0.20% for the Maximum Anniversary Valued Death Benefit
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.
Daily Adjustment
On days other than the Term Start Date and Term End Date the index options are valued through the daily adjustment, which is the estimated present value of the future Performance Credit.
The Daily Adjustment can be negative with the Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy. You will lose money if the Daily Adjustment is negative. The Daily Adjustment could reflect significantly less gain, or more loss than we would apply to an Index Option on the Term End Date. If you select multiple multi-year Term Index Options, there may be no time that any such transaction can be performed without the application of at least one Daily Adjustment.
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, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year EURO STOXX 50 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
Annual
|
9.1%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
Annual
|
7.3%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
Annual
|
9.6%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
Annual
|
10.3%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
Annual
|
8.8%
Performance triggered
|
| 6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer |
Point to Point
6-Year
|
100%
Participation
400%
Cap
|
| 3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
85%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer |
Point to Point
6-Year
|
100%
Participation
400%
Cap
|
| 3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
45%
Cap
|
| 3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer |
Point to Point
Triennial
|
100%
Participation
40%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
90%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 20% Buffer |
Point to Point
6-Year
|
100%
Participation
95%
Cap
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
9%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
13%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
10.5%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
8.5%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 20% Buffer |
Point to Point
Annual
|
16.25%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 30% Buffer |
Point to Point
Annual
|
11.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
15%
Cap
|
| 3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 10% Buffer |
Point to Point
Triennial
|
100%
Participation
70%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
20.25%
Cap
|
| 1-Year S&P 500 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
16%
Cap
|
| 1-Year Russell 2000 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
19.75%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Performance Strategy with 10% Buffer |
Point to Point
Annual
|
27%
Cap
|
| 1-Year Russell 2000 PTP Cap Guard Strategy |
Point to Point
Annual
|
16.25%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF PTP Cap Guard Strategy |
Point to Point
Annual
|
17.75%
Cap
|
| 1-Year EURO STOXX 50 PTP Cap Guard Strategy |
Point to Point
Annual
|
23%
Cap
|
| 1-Year Nasdaq-100 PTP Cap Guard Strategy |
Point to Point
Annual
|
13.25%
Cap
|
| 1-Year S&P 500 PTP Cap Guard Strategy |
Point to Point
Annual
|
11.75%
Cap
|
| 1-Year iShares MSCI Emerging Markets ETF Protection Strategy |
Performance Triggered
Annual
|
5%
Performance triggered
|
| 1-Year EURO STOXX 50 Protection Strategy |
Performance Triggered
Annual
|
6.6%
Performance triggered
|
| 1-Year S&P 500 Protection Strategy |
Performance Triggered
Annual
|
5.5%
Performance triggered
|
| 1-Year Russell 2000 Protection Strategy |
Performance Triggered
Annual
|
6%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Precision Strategy |
Performance Triggered
Annual
|
9%
Performance triggered
|
| 1-Year Russell 2000 Precision Strategy |
Performance Triggered
Annual
|
12.7%
Performance triggered
|
| 1-Year EURO STOXX 50 Precision Strategy |
Performance Triggered
Annual
|
12.6%
Performance triggered
|
| 1-Year S&P 500 Precision Strategy |
Performance Triggered
Annual
|
10.3%
Performance triggered
|
| 1-Year Nasdaq-100 Precision Strategy |
Performance Triggered
Annual
|
11.6%
Performance triggered
|
| 1-Year Nasdaq-100 Protection Strategy |
Performance Triggered
Annual
|
5.5%
Performance triggered
|
| 1-Year EURO STOXX 50 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
Annual
|
5.2%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
Annual
|
6.6%
Performance triggered
|
| 1-Year S&P 500 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
Annual
|
5.3%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
Annual
|
5.6%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
Annual
|
7%
Performance triggered
|
| 1-Year Nasdaq-100 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
Annual
|
5.5%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
Annual
|
5.6%
Performance triggered
|
| 1-Year iShares MSCI Emerging Markets ETF Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
Annual
|
4.7%
Performance triggered
|
| 1-Year EURO STOXX 50 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
Annual
|
6.6%
Performance triggered
|
| 1-Year Russell 2000 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
Annual
|
7.3%
Performance triggered
|
| 3-Year Russell 2000 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
Triennial
|
20%
Performance triggered
|
| 3-Year Russell 2000 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
Triennial
|
26%
Performance triggered
|
| 3-Year S&P 500 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
Triennial
|
18%
Performance triggered
|
| 3-Year S&P 500 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
Triennial
|
23%
Performance triggered
|
| 6-Year Russell 2000 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
6-Year
|
36%
Performance triggered
|
| 6-Year Russell 2000 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
6-Year
|
42%
Performance triggered
|
| 6-Year S&P 500 Dual Precision Strategy with 20% Buffer |
Dual Direction Trigger
6-Year
|
34%
Performance triggered
|
| 6-Year S&P 500 Dual Precision Strategy with 10% Buffer |
Dual Direction Trigger
6-Year
|
39%
Performance triggered
|
| 6-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 30% Buffer |
Point to Point
6-Year
|
100%
Participation
75%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 30% Buffer |
Point to Point
6-Year
|
100%
Participation
65%
Cap
|
| 3-Year S&P 500 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
Triennial
|
16%
Performance triggered
|
| 6-Year Russell 2000 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
6-Year
|
32%
Performance triggered
|
| 6-Year S&P 500 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
6-Year
|
30%
Performance triggered
|
| 3-Year Russell 2000 Dual Precision Strategy with 30% Buffer |
Dual Direction Trigger
Triennial
|
18%
Performance triggered
|
| 3-Year Russell 2000 PTP Participation Rate with Cap Performance Strategy with 30% Buffer |
Point to Point
Triennial
|
100%
Participation
37%
Cap
|
| 3-Year S&P 500 PTP Participation Rate with Cap Performance Strategy with 30% Buffer |
Point to Point
Triennial
|
100%
Participation
28%
Cap
|
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
Nursing Home
Unavailable in states: MA
In most states, this benefit allows you to take a withdrawal without incurring a withdrawal charge if you are confined to a nursing home for a period of at least 90 consecutive days.
ADL
Unavailable in states: MA
After the first Contract Year, you can take withdrawals and we waive the withdrawal charge if you are unable to perform at least two of six activities of daily living (ADLs) for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or wheelchair).
Withdrawal Provisions
Free Withdrawal PrivilegeAllows you to withdraw 10%of your total Purchase Payments each Contract Year during the Accumulation Phase without incurring a withdrawal charge.Any unused free withdrawal privilege in one Contract Year is not added to the amount available in the next Contract Year.If you withdraw more than the free withdrawal privilege, we will assess a withdrawal charge if the withdrawal is taken from a Purchase Payment we received within the last six years.
Company Founded: 1896
TOP Rated
Company
Company Ratings
4.4
- A.M. Best A+
- S&P AA
- Moody's Aa3
- Comdex 96
Assets: $125,084,600,553
Minnesota
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