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Fixed Indexed Annuity

Allianz 222+

Allianz

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4.5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: July 16, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Allianz 222+ would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$207,307
Est. value at age 80 (Allianz 222+)
4.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Allianz 222+'s published cap rate (4.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Allianz 222+ compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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Live rate data

Run live numbers for Allianz 222+

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Allianz product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 cap rate (PIV chassis)

4.5% cap on S&P 500

The 49-state filing of Allianz's 222 product family — a long-surrender fixed indexed annuity from an A-rated carrier with a built-in Protected Income Value income mechanism (no separate GLWB rider), plus a mix of S&P 500 cap exposure and proprietary participation-rate accumulation strategies.

Built-in income — no rider fee1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers in 49 states (OR residents see Allianz 222) committing to a long deferral who want lifetime income delivered through the contract's own PIV mechanism rather than an optional rider with a separate fee, and who can use the accumulation strategies as a secondary growth vehicle.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. New York, Oregon)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

monthly sum cap

1.7% cap rate

Monthly sum

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

4.5% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

3.65% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.8% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 36 additional crediting options (Bloomberg US, PIMCO, S&P 500...)

Lifetime Income Riders

Income rider

Protected Income Value

Lifetime payout rate5% lifetime payout
Annual rider fee0% annual rider fee
Interest multiplier1.5x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Income mechanism is built into the base contract via the Protected Income Value (PIV), not bolted on as an optional rider with its own fee. Buyers comparing to GLWB-rider products should recognize the structural difference.
  • Filed in 49 states — the broad national footprint for Allianz's 222 product family. Oregon residents see the sibling Allianz 222 filing.
  • Crediting design offers both a recognizable S&P 500 cap option and proprietary participation-rate strategies, so buyers can choose between like-for-like comparison and higher-participation alternatives.
  • Carrier financial-strength is rated by more than one agency, so the strength view is not a single-source read.

What to confirm

  • This contract is NOT a GLWB-rider product. The income story is the carrier's Protected Income Value framework, which is structurally different from a guaranteed-lifetime-withdrawal rider — do not compare its lifetime payout side-by-side with a rider-led product without accounting for the mechanic difference (PIV is a tracked income value with deferral rules, not an account-value withdrawal rate).
  • Some of the index options are proprietary, volatility-controlled indexes. Their participation rates look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.
  • Minimum premium and issue-age bounds are not always shown on this page — confirm contract minimums and eligibility with the carrier before purchase.
  • Not available in OR (where the sibling filing Allianz 222 applies) or NY (no Allianz 222 filing on either ID).

Not ideal for

Buyers who need short-surrender liquidity, a plain MYGA-style declared rate, or a contractually-guaranteed GLWB-rider withdrawal rate with rider-specific terms. NY residents — no Allianz 222 filing applies.

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See how Allianz 222+ compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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All crediting strategies

View rate listings (41 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 85% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

10-yr surrenderDoes not vary by premium

Par: 80% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

participation

10-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

Blended Futures Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

S&P 500 Futures Excess Return Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value · participation

10-yr surrenderDoes not vary by premium

Cap: 4.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 3.65% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 2.8% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 1.7% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrenderDoes not vary by premium

Par: 235% · 1-yr

Bloomberg US Dynamic Balance III ER Index

5-year MY Point-to-Point with Participation Rate — year 5 · participation

10-yr surrenderDoes not vary by premium

Par: 230% · 1-yr

PIMCO Tactical Balanced ER Index

5-year MY Point-to-Point with Participation Rate — year 5 · participation

10-yr surrenderDoes not vary by premium

Par: 210% · 1-yr

Bloomberg US Dynamic Balance III ER Index

5-year MY Point-to-Point with Participation Rate — year 4 · participation

10-yr surrenderDoes not vary by premium

Par: 205% · 1-yr

PIMCO Tactical Balanced ER Index

5-year MY Point-to-Point with Participation Rate — year 4 · participation

10-yr surrenderDoes not vary by premium

Par: 190% · 1-yr

Bloomberg US Dynamic Balance III ER Index

5-year MY Point-to-Point with Participation Rate — year 3 · participation

10-yr surrenderDoes not vary by premium

Par: 185% · 1-yr

PIMCO Tactical Balanced ER Index

5-year MY Point-to-Point with Participation Rate — year 3 · participation

10-yr surrenderDoes not vary by premium

Par: 170% · 1-yr

Bloomberg US Dynamic Balance III ER Index

5-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 165% · 1-yr

PIMCO Tactical Balanced ER Index

5-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 150% · 1-yr

Bloomberg US Dynamic Balance III ER Index

5-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Par: 145% · 1-yr

PIMCO Tactical Balanced ER Index

5-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

Bloomberg US Dynamic Balance III ER Index

2-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 140% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

5-year MY Point-to-Point with Participation Rate — year 5 · participation

10-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

PIMCO Tactical Balanced ER Index

2-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 125% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

5-year MY Point-to-Point with Participation Rate — year 4 · participation

10-yr surrenderDoes not vary by premium

Par: 115% · 1-yr

Bloomberg US Dynamic Balance III ER Index

2-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Par: 110% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

5-year MY Point-to-Point with Participation Rate — year 3 · participation

10-yr surrenderDoes not vary by premium

Par: 105% · 1-yr

PIMCO Tactical Balanced ER Index

2-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

5-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 90% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

5-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

S&P 500 Futures Excess Return Index

5-year MY Point-to-Point with Participation Rate — year 5 · participation

10-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

2-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

S&P 500 Futures Excess Return Index

5-year MY Point-to-Point with Participation Rate — year 4 · participation

10-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

S&P 500 Futures Excess Return Index

5-year MY Point-to-Point with Participation Rate — year 3 · participation

10-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

2-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

S&P 500 Futures Excess Return Index

5-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Futures Excess Return Index

2-year MY Point-to-Point with Participation Rate — year 2 · participation

10-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Futures Excess Return Index

5-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

S&P 500 Futures Excess Return Index

2-year MY Point-to-Point with Participation Rate — year 1 · participation

10-yr surrenderDoes not vary by premium

Rate not shown · 2-yr

2-year MY Point-to-Point with Participation Rate

2-year MY Point-to-Point with Participation Rate · unknown

10-yr surrenderDoes not vary by premium

Rate not shown · 5-yr

5-year MY Point-to-Point with Participation Rate

5-year MY Point-to-Point with Participation Rate · unknown

10-yr surrenderDoes not vary by premium

Rate not shown · 5-yr

5-year MY Point-to-Point with Participation Rate

5-year MY Point-to-Point with Participation Rate · unknown

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Protected Income Value

Lifetime withdrawal rate5%
Annual rider fee0%
Income multiplier1.5× multiplier
Deferral assumed10 years

GLWB

Linked review

Allianz 222+ review notes

In-depth Allianz 222+ annuity review: features, income benefits, bonuses, rates, riders, pros & cons. Learn if it’s right for your retirement.

4.5/5Read review
Nikhil Bhauwala

Common questions about Allianz 222+

● Can I lose money in Allianz 222+?

A negative index return by itself does not reduce the contract's account value: Allianz 222+ credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Protected Income Value income rider worth the 0% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Allianz 222+'s crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Allianz 222+ strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

1

Nursing home waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.15%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

0.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9.3%

Yr 2

9.3%

Yr 3

8.3%

Yr 4

7.3%

Yr 5

6.25%

Yr 6

5.25%

Yr 7

4.2%

Yr 8

3.15%

Yr 9

2.1%

Yr 10

1.05%

After

0%

Nursing home waiver, Surrender waivers

Documents

product guide

222PL-001.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
Moody'sAa3
S&PAA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Allianz 222+ currently shows 40 distinct indexed or fixed crediting choices across 41 displayed rate entries, including S&P 500 Index and Fixed Account, with 36 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 1.7% monthly cap
  • S&P 500 Index: 4.5% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 2.8% fixed account rate

Income rider language

What to look for before treating the rider as income

Protected Income Value is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 5% withdrawal rate
  • 0% rider fee
  • 10 deferral years

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 222PL-001.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get an Allianz 222+ rate report

See how Allianz 222+ compares for your age, state, premium, and income goals alongside other Allianz fixed indexed annuity options.

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