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Fixed Indexed Annuity

Allianz Benefit Control+

Allianz

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4%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: July 17, 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 Benefit Control+ 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 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$192,917
Est. value at age 80 (Allianz Benefit Control+)
4%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4% 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 Benefit Control+'s published cap rate (4% 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 17, 2026.

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Live rate data

Run live numbers for Allianz Benefit Control+

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

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

S&P 500 cap rate (PIV chassis)

4% cap on S&P 500

A long-surrender fixed indexed annuity from an A+ rated carrier with a 10-year MVA schedule, a mix of S&P 500 cap exposure and proprietary participation-rate options, and a 49-jurisdiction footprint (every US state except New York and Oregon, plus DC) that covers almost every buyer in the country.

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

Best fit

Buyers committing to a long deferral who want lifetime income delivered through the contract's Protected Income Value framework rather than a separately-elected GLWB rider, with a mix of S&P 500 cap exposure and proprietary participation-rate strategies from a large A+ rated carrier.

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

1.5% cap rate

Monthly sum

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

S&P 500

S&P 500 Index

4% cap rate

Annual cap

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

S&P 500

S&P 500 Index

3.15% trigger rate

Performance trigger

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

Fixed Account

Fixed Account

2.5% 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

GLWB (Accelerated PIV Interest Bonus)

Lifetime payout rate4.3% lifetime payout
Annual rider fee0% annual rider fee
Interest multiplier2.5x interest multiplier

Income rider

GLWB (Balanced PIV Interest Bonus)

Lifetime payout rate4.3% 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

  • Near-nationwide footprint — the contract is filed in 49 jurisdictions (every US state except New York and Oregon, plus DC), so for almost every buyer in the country this is the standard Benefit Control filing rather than a state-restricted variant. Oregon buyers go to the Benefit Control sibling filing; New York buyers are not covered by either.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point option with a wide bench of proprietary participation-rate strategies, so a buyer can choose between like-for-like comparison and higher-participation alternatives.
  • Issued by an A+ AM Best-rated carrier, sitting in the upper tier of fixed-annuity carrier strength on this site.
  • Free-withdrawal allowance, the full 10-year surrender ladder, and an MVA flag are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.
  • A carrier product guide is published as a structured document and appears in the documents section below.

What to confirm

  • This contract is NOT a GLWB-rider product. Benefit Control+ delivers the lifetime-income guarantee through Allianz's Protected Income Value (PIV) framework — a separate income-tracking value built into the contract structure — rather than through an optional GLWB rider with a published withdrawal-rate column. The income guarantee IS the design, not a missing 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).
  • Several of the higher participation rates sit on proprietary, volatility-controlled indexes. They look strong in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.
  • Surrender runs ten years with a market value adjustment in addition to the surrender charge, so an early exit can move with interest-rate conditions on top of the published schedule.
  • Death benefit is cash surrender value with no roll-up and no step-up — this contract is not built around a wealth-transfer story.
  • Minimum premium and issue-age bounds are not always shown on this page — confirm contract minimums and eligibility with the carrier before purchase.

Not ideal for

Buyers who need short-surrender liquidity, a plain MYGA-style declared rate, a contractually published GLWB withdrawal-rate rider (this contract delivers income through PIV, not a rider), or a step-up death benefit — those are not what this contract is built to deliver.

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See how Allianz Benefit Control+ 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: 75% · 1-yr

Bloomberg US Dynamic Balance III ER Index

participation

10-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

PIMCO Tactical Balanced ER Index

participation

10-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

Morgan Stanley Strategic Trends 10 ER Index

participation

10-yr surrenderDoes not vary by premium

Par: 41% · 1-yr

Bloomberg US Dynamic Balance III ER Index

1-year Highest Daily Value · participation

10-yr surrenderDoes not vary by premium

Par: 40% · 1-yr

Blended Futures Index

participation

10-yr surrenderDoes not vary by premium

Par: 30% · 1-yr

S&P 500 Futures Excess Return Index

participation

10-yr surrenderDoes not vary by premium

Cap: 4% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 3.15% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 2.5% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 1.5% · 1-yr

S&P 500 Index

monthly_sum_cap

10-yr surrenderDoes not vary by premium

Par: 220% · 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: 205% · 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: 200% · 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: 185% · 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: 180% · 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: 165% · 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: 160% · 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: 145% · 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: 140% · 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: 130% · 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

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

10-yr surrenderDoes not vary by premium

Par: 125% · 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: 115% · 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: 115% · 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: 105% · 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: 100% · 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: 95% · 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

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: 85% · 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: 75% · 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: 65% · 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: 65% · 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: 55% · 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: 50% · 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: 50% · 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: 45% · 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: 45% · 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: 40% · 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

GLWB (Accelerated PIV Interest Bonus)

Lifetime withdrawal rate4.3%
Annual rider fee0%
Income multiplier2.5× multiplier
Deferral assumed10 years

GLWB

Income rider

GLWB (Balanced PIV Interest Bonus)

Lifetime withdrawal rate4.3%
Annual rider fee0%
Income multiplier1.5× multiplier
Deferral assumed10 years

GLWB

Linked review

Allianz Benefit Control+ review notes

In-depth Allianz Benefit Control+ annuity review with features, pros, cons, and income benefits explained clearly.

5/5Read review
Nikhil Bhauwala

Common questions about Allianz Benefit Control+

● Can I lose money in Allianz Benefit Control+?

A negative index return by itself does not reduce the contract's account value: Allianz Benefit Control+ 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 GLWB (Accelerated PIV Interest Bonus) 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 4.3% 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 Benefit Control+'s crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Allianz Benefit Control+ 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

5.00%

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

Allianz - Benefit Control Plus - Brochure (ABCPL-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 Benefit Control+ 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: 1.5% monthly cap
  • S&P 500 Index: 4% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 2.5% fixed account rate

Income rider language

What to look for before treating the rider as income

GLWB (Accelerated PIV Interest Bonus) 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.

  • 4.3% 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 Allianz - Benefit Control Plus - Brochure (ABCPL-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

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

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