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Fixed Indexed Annuity

Allianz Accumulation Advantage 5

Allianz

9.5%

Best Cap

10%

Free W/D

49

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.5% cap on S&P 500

A shorter-surrender accumulation fixed indexed annuity from a top-rated carrier, built around a mix of recognizable S&P 500, Nasdaq-100, and Russell 2000 crediting strategies alongside proprietary volatility-controlled participation options.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want fixed indexed annuity crediting from a top-rated carrier but are not willing to commit capital for the carrier's full long-deferral period, and who plan to use the contract for accumulation rather than a contractually guaranteed lifetime withdrawal.

AM Best

A+ Superior

Surrender period

5 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

9.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.2% declared rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

9.5% cap rate

Rate varies by premium band.

Nasdaq-100

Nasdaq-100 Index

100% participation rate + 7.4% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Rate varies by premium band.

+ 6 volatility-controlled index options (Russell 2000, S&P 500, PIMCO...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender period is materially shorter than the carrier's flagship long-deferral FIAs, so capital is contractually accessible without penalty sooner than the Allianz family norm.
  • Crediting menu spans recognizable index caps (S&P 500, Nasdaq-100, Russell 2000), trigger strategies on the same three indexes, and proprietary volatility-controlled participation strategies — so buyers can pick a like-for-like S&P comparison or a higher-participation alternative.
  • Free-withdrawal allowance, full surrender ladder, and MVA presence are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.
  • Carrier financial-strength is rated by three independent agencies on this page, so the strength view is not a single-source read.
  • Nursing-home and RMD surrender-charge waivers are part of the contract, so the two most common penalty-free exit events do not require a separate rider.

What to confirm

  • This contract has no guaranteed-lifetime-withdrawal rider in the live feed — it is not a substitute for a rider-led income product and should not be compared to one on lifetime payout.
  • Caps and participation rates on a shorter-surrender FIA are structurally expected to be lower than the carrier's long-surrender contracts; do not benchmark this product against ten-year Allianz FIAs and conclude crediting is weak.
  • Several 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.
  • The fixed-account declared rate on this page shifts at a premium-band threshold; the headline cap is on indexed strategies and is not the same number as the fixed account rate — confirm which strategy a buyer's premium will sit in.
  • Not available in every state — confirm filing in the buyer's state from the state-availability list on this page before quoting.

Not ideal for

Buyers who need a guaranteed-lifetime-withdrawal rider, a plain MYGA-style declared rate, or the highest available index caps — a longer-surrender FIA or a rider-led income contract from the same carrier family will fit those goals better.

All crediting strategies

View rate listings (21 rows)

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

Par: 180% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

5-yr surrender$100,000+

Par: 170% · 1-yr

PIMCO Tactical Balanced ER Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7.2% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.4% · 1-yr

Nasdaq-100 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 7.6% · 1-yr

Russell 2000 Index

trigger

5-yr surrender$100,000+

Par: 65% · 1-yr

S&P 500 Futures Daily Risk Control 5% Index Excess Return

participation

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

Russell 2000 Index

cap

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Cap: 9.5% · 1-yr

Nasdaq-100 Index

cap

5-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 180% · 1-yr

Bloomberg US Dynamic Balance III ER Index

$100,000+

Par: 170% · 1-yr

PIMCO Tactical Balanced ER Index

$100,000+

Par: 100% + Fixed: 7.2% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 7.4% · 1-yr

Nasdaq-100 Index

$100,000+

Par: 100% + Fixed: 7.6% · 1-yr

Russell 2000 Index

$100,000+

Par: 65% · 1-yr

S&P 500 Futures Daily Risk Control 5% Index Excess Return

$100,000+

Cap: 9.75% · 1-yr

Russell 2000 Index

$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

$100,000+

Cap: 9.5% · 1-yr

Nasdaq-100 Index

$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

$100,000+

Rate not shown · 2-yr

2-Year MY Point-to-Point Participation Rate

2-Year MY Point-to-Point Participation Rate

$100,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

10%/yr

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

Surrender waivers

2

Nursing home waiver, RMD waiver

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Minimum guaranteed declared rate: 0.15%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

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

8.5%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, RMD waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestA+
S&PAa3
S&PAA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Allianz Accumulation Advantage 5 currently shows 11 distinct indexed or fixed crediting choices across 21 current rate listings, including S&P 500 Index, S&P 500 Futures Daily Risk Control 5% Index Excess Return, and Nasdaq-100 Index, with 5 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.5% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Futures Daily Risk Control 5% Index Excess Return: 65% participation

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
  • 5 surrender years
  • Nursing home waiver
  • RMD waiver

Verification note

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

This page uses the current structured product data returned for the contract. 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

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