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Product Details
Allianz Accumulation Advantage
Company social profile:
Product Name
Allianz Accumulation Advantage
Annuity Type
FIA
Issuing Insurance Company and Ratings
Allianz Life Insurance Company of North America
Ratings
Product Information
The Allianz Accumulation Advantage is a flexible premium fixed index annuity permitting additional premium for 18-months, with a 10 year surrender charge period and an MVA provision. It offers potential for indexed interest based on changes in an external market index, principal protection from market loss, and choices for annuity payments. Features a step-rate 2-Year Fixed Account (current rates 6.80% for $20k+ band / 7.30% for $100k+ band, guaranteed for 2 years). Riders: Flexible Annuity Option Rider (no fee), Nursing Home Rider (not available in CA).
Key Features
Premium Types: Flexible 1.5 Years
Minimum Premium: $20,000
Maximum Premium: $1,000,000
Free Look Period: 20 Days
Rate Lock Period: 60 Days
Rates
Effective Date: 03/03/2026
Initial Guarantee Period: 10 years
Next Change: N/A — not specified
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: $100,000+
Current
10 Year Guarantee Period Annual Yield:
7.30%%
Interest rate start of year 1 through end of year 10:
7.30%%
Accumulation Value (assuming no withdrawals)
Premium Amount: $25,000 - $99,999
Current
10 Year Guarantee Period Annual Yield:
6.80%%
Interest rate start of year 1 through end of year 10:
6.80%%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
Not available in GU NY PR VI
Withdrawal Provisions
First Year Withdrawals: No
Withdrawal Years 2+: 10%
Wait Period Interest Only : 1 Year
Withdraw from the accumulation Value After : One Year
Minimum Policy Value : $500
Withdrawl Calculated On: Premium
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $100
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): 80
State Restrictions: Not available in GU NY PR VI
