You can earn interest two ways. Because it’s a fixed index annuity, Allianz 222 ® Annuity gives you the potential to earn indexed interest based on changes in your choice of several indexes and crediting methods. Crediting the contract does not directly participate in any stock, bond, or investments. You are not buying any bonds, shares of stocks, or shares of an index.
Choose indexed interest, fixed interest, or a combination of both.
methods determine how much interest your annuity earns, based on the changes in an external market index. Or, if you prefer, Allianz 222 ® lets you receive fixed interest instead. Allianz calculates and credits fixed interest daily, based on the rate we establish at the beginning of each contract year.
Keep in mind, however, that if you surrender your contract before your 10 th contract anniversary, we will apply a surrender charge and an MVA, and you may lose some or all of your previously credited fixed/indexed interest (including any bonuses) and a partial loss of principal.
You can also choose to receive a combination of fixed and potential indexed interest.
To learn more about allocation options available on Allianz 222®, ask your financial professional and consult the Index Allocation Options Guide (M-7214-1).
But regardless of how you choose to receive interest, the money in your annuity, including any bonuses, is never at risk due to market index volatility. That’s because, although external market indexes may affect your contract values,
The indexes available within the contract are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. 3
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