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Fixed Indexed Annuity

Retirement Foundation ADV

Allianz

4.5%

Best Cap

10%

Free W/D

50

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

4.5% cap on S&P 500

A seven-year-surrender fixed indexed annuity from an A-rated carrier, structured for the advisory channel — no premium bonus, no income rider, and a cap-led index menu spanning S&P 500, Nasdaq-100, Russell 2000, and a proprietary volatility-controlled index.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers working with a fee-based advisor who want index-linked accumulation across recognizable benchmark caps and one proprietary volatility-controlled option, prefer a shorter seven-year surrender commitment, and don't need a guaranteed lifetime-income rider built into the contract.

AM Best

A+ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.5% cap rate

Nasdaq-100

Nasdaq-100 Index

4.75% cap rate

Fixed Account

Fixed Account

2.8% declared rate

+ 2 volatility-controlled index options (Bloomberg US, Russell 2000)

Lifetime Income Riders

Income rider

RFA Income Benefit - Income

RMD friendly
Lifetime payout rate12.8% lifetime payout
Annual rider fee1.25% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier financial-strength is rated by three independent agencies (A.M. Best, Moody's, and S&P), so the strength view is not a single-source read.
  • Surrender term runs seven years rather than the ten-year term common on Allianz's commission-paid retail FIAs — a shorter commitment window consistent with the ADV (advisory-channel) positioning.
  • Index menu spans both recognizable benchmark indexes (S&P 500, Nasdaq-100, Russell 2000) and a proprietary volatility-controlled index, so buyers can choose between like-for-like cap comparison and a lower-vol alternative.
  • Free-withdrawal allowance and the full surrender ladder are visible on this page, so the schedule of penalty-free liquidity is not gated behind a sales brochure.
  • A carrier brochure for this exact contract is published as a structured document and appears in the documents section below.

What to confirm

  • This contract is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider attached — the only optional rider on this page is an activities-of-daily-living waiver (Allianz Income Multiplier Benefit), which is a withdrawal-charge waiver, not a lifetime-income guarantee. Do not compare its payout side-by-side with a rider-led income FIA.
  • There is no premium bonus and no return-of-premium guarantee on this contract — features that commission-paid retail FIAs often include. That tradeoff is consistent with the advisory-channel positioning, but buyers comparing this to a bonus FIA should weigh the difference explicitly.
  • The guaranteed-minimum cap floor is very low — caps on the index strategies can reset down toward that floor over the surrender term, and the buyer carries that renewal risk for the full seven years.
  • The death benefit on this contract is the cash surrender value with no roll-up and no step-up — buyers prioritizing a guaranteed legacy bump should evaluate that separately.
  • Several of the carrier's well-known proprietary indexes (e.g. Bloomberg US Dynamic Balance II) are volatility-controlled. Participation rates on these strategies look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a premium bonus to offset a longer surrender term, or expect a death-benefit roll-up beyond cash surrender value — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (10 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.

Cap: 4.75% · 1-yr

Nasdaq-100 Index

cap

7-yr surrender

Cap: 4.75% · 1-yr

Russell 2000 Index

cap

7-yr surrender

Cap: 4.5% · 1-yr

S&P 500 Index

cap

7-yr surrender

Cap: 4% · 1-yr

Bloomberg US Dynamic Balance Index II

cap

7-yr surrender

Fixed: 2.8% · 1-yr

Fixed Account

fixed

7-yr surrender

Cap: 4.75% · 1-yr

Nasdaq-100 Index

Cap: 4.75% · 1-yr

Russell 2000 Index

Cap: 4.5% · 1-yr

S&P 500 Index

Cap: 4% · 1-yr

Bloomberg US Dynamic Balance Index II

Fixed: 2.8% · 1-yr

Fixed Account

Income riders

Income rider

RFA Income Benefit - Level Income

RMD friendly
Lifetime withdrawal rate12.8%
Annual rider fee1.25%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 100

GLWB

Linked review

Retirement Foundation ADV review notes

Discover the features, rates, and drawbacks of Allianz Retirement Foundation ADV Fixed Indexed Annuity. Is it right for your retirement?

4.5/5Read review
Nikhil Bhauwala

Key Features

Free withdrawal

10%/yr

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

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.25%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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

6.5%

Yr 2

6%

Yr 3

5%

Yr 4

4%

Yr 5

3%

Yr 6

2%

Yr 7

1%

After

0%

Documents

brochure

RFA-001.pdf

Confidence: highReviewed Apr 1, 2026

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

Carrier Ratings

AM BestA+
S&PAa3
S&PAA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Retirement Foundation ADV currently shows 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index, Nasdaq-100 Index, and Fixed Account, with 2 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: 4.5% cap
  • Nasdaq-100 Index: 4.75% cap
  • Fixed Account: 2.8% fixed

Income rider language

What to look for before treating the rider as income

RFA Income Benefit - Level Income is the main income-rider entry returned 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.

  • 12.8% withdrawal rate
  • 1.25% rider fee
  • 10 deferral years
  • RMD friendly

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
  • 7 surrender years

Verification note

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

Carrier materials such as RFA-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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