Please feel free to contact us directly via phone at (888) 440-2460. 1 selling non-variable deferred annuity, for all channels combined, in overall sales for the fifteenth consecutive quarter. There is a choice of several crediting strategies and index option and fixed interest option. That’s not a good sign. Also, because the market tends to move up and down regularly, an index-linked annuity such as the Allianz 222 may have a better return in some years over others. I just updated the video to make sure the calculations were easier for viewers to see. Please let me know. past performance is definitely no guarantee of the future results that you’ll receive in most any financial vehicle. As a result I find myself shifting from equity mutual fund to fixed income mutual funds as I see market conditions fluctuate. Before purchasing any investment product be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to your individual circumstances. What is an Annuity Fraud Lawsuit? It also offers lifetime income payments that can increase and double to help pay for long term care. Can you speak to this point. As you can see in the statement of understanding example that is linked here, there is a lot more detailed information – which may or may not always mirror exactly what your financial advisor has touted. A fixed index annuity can help you prepare for both. In today’s review, we’ll be covering the Allianz 222 Fixed Index Annuity with Protected Income Value. We look forward to speaking with you. Rather than emailing sensitive details back and forth, though, it would be best to chat via phone. Just let me know if you have any questions. You can contact us directly at (888) 440-2468 or by simply going to: http://www.annuitygator.com/contact/ . Allianz Life Insurance Company of North America was founded in 1896 and is based in Minneapolis, Minnesota. In the case of the Allianz 222 product, its name actually implies what it does: 2 Ways to get a bonus to your Protected Income Value, 2 Ways to get an income increase from your Protected Income Value. On the Allianz 222 Annuity, agents can earn 7.5% commission in year one in addition to commissions in following years. but it doesn’t do any one thing really well. Reviewing an immediate annuity would be helpful, like the vanguard income annuity. Notwithstanding that, I compared the monthly annuity payment from this hypothetical example for the Allianze 222 annuity ($13,860) with that produced by the Security Benefit Secure Income Annuity ($11,685) under the same assumptions (initial investment, age, joint annuity and 10 year deferral until age 70). However, they still get a lot of criticism in the media and even by some financial advisors as for being complicated. In the past, people bought index annuities because they were pitched as a way to get market linked upside with no market downside. The Visions policy has a base contract option along with a bonus option, while Connections has just the base. They are crooks plain and simple. Rather than passing sensitive details back and forth via email, it would be best to chat by phone. It’s nothing special. The information presented here is not of tax or legal nature and is not intended to be a recommendation to purchase a fixed annuity, fixed index annuity, variable annuity contract, registered index linked annuity (RILA), immediate annuity (SPIA), longevity annuity, or Qualified Longevity Annuity Contract (QLAC). Maximum age for initial purchase: 80. I’m interested in annuities that improve on Allianz 222 returns. In this example we deposited $100,000 for a 55 year old and are planning to begin our lifetime income withdrawals at age 65 ( beginning year 11). Most financial salespeople who are only interested in selling products (and fee-based advisors who can’t sell annuities) typically don’t know how to employ these creative and mathematically optimized strategies, and so investors are left on their own to figure it out. Trying to replicate your spreadsheet. Please feel free to reach out to us directly, toll-free, at 888-440-2468, or to set up a time to meet through our secure online contact form at https://www.annuitygator.com/contact/. Allianz is big on the might, and it might not be as mighty as other annuities out there. To check out the most up-to-date Allianz 222 annuity rates and index crediting methods, go here. We firmly believe that the financial industry has gotten too expensive, too complicated, and too out of touch with actually helping people reach their goals. -Annuity Gator Team, Hi Althea – Thank you for your message. – Bryan Anderson, Founder, Annuity … Best. 1700 Town Plaza Court Winter Springs, FL 32708 Phone: 407-647-7006 or 800-393-1017 Fax: 407-647-7675 Email: [email protected] You can now access the updated information, as well as the video, by clicking here: http://www.annuitygator.com/independent-objective-review-of-the-allianz-222-annuity/ Allianz 360 Rates & Guide. Best. Prior to 2015, the Alliance 222 used the Barclay US Dynamic Balance I Index in order to give investors a hypothetical illustration of returns. Clients need help understanding this concept. Nothing on this website is a recommendation to buy or sell an annuity. Hi Edwina – Thank you for your message. There is also a trailing commission in years 2+ of 0.475%. In answer to your question about the bonus, yes, although your contract value would reflect the amount of the bonus, this is something that would need to be earned over a period of time. guaranteed lifetime withdrawal benefit rider (GLWB), BlackRock iBLD Claria Index, Ticker: IBLDCLRA. My ACTUAL return in year 1 was 4.39%. 1) If everything works out as planned, what is the real annualized return? Below is a chart showing hypothetical returns for the Allianz 222 using: This table lists the hypothetical annualized credited rate for the highest 10 year period, the lowest 10 year period and the most recent. The Annuity Gator. Thank you for the explanation of the 222 annuity. The Allianz 222 Annuity has a strong 15% bonus on the income value and the ability to have increases income makes potential for the amount of money that it can deliver to your overtime, which is … If the agents are being upfront and honest, you’ll notice their explanations will match very closely (if not exactly) as described in this review. I have no issue with the back testing. Remember, some financial sales folks may depend on these hypothetical illustrations to make their pitch look impressive. My Annuity Store, Inc. does not advise clients on the purchase of non-fixed annuity products. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. Hi Best. – Annuity Gator Team, Hi Rich – Thank you for your message. One of the most concerning things about annuity sales today is the way these financial products are sometimes presented by financial salespeople. $20,000. You should now be able to access the review, including the working video, by going here: http://www.annuitygator.com/independent-objective-review-of-the-allianz-222-annuity Hi Shari – Thank you for your comment. What others can you tell me about? )die a month after, will my beneficiary get the $100,000 PLUS the 15% bonus — $115,000??? We look forward to speaking with you. Rather than email that info back and forth, you can contact us directly via phone so that your information can remain more protected. Your Video offers an independent analysis. Allianz 360 Annuity; Allianz 365i; Allianz 222 (updated June 2018) Allianz Core Income 7 In order to truly get an idea of whether or not a fixed indexed annuity such as the Allianz 222 annuity is right for you, click here so that you can access our free annuity buyer’s guide. so be especially wary of anyone who suggests this annuity will work better than how we illustrated it here. Please let us know if you have any additional questions. We look forward to speaking with you. We can’t help everyone, but do our best to always get back in touch within 24 hours. – Annuity Gator Team. 4-6% return on our money. Googling that term hasn’t provided much info for those of us that prefer less jargon and clear explanations. Allianz 222 Annuity product details for annuity professionals. In the case of the Allianz, many of their newest products (like the 222, 365, and 365i) include the Barclays Dynamic Balance Index. Annuity Gator. Want mediocre 1% - 3% returns after 10 or more long years? is out to lunch. My biggest frustration with traditional mutual funds is that managers cannot deviate significantly from their investment objectives as stated in the prospectus. My financial adviser pitched ne the Allianz 222 with a 30% bonus. Hi John – Thank you for your comment. Hi Matt – Thank you for your message. Take a look for yourself at the difference. Is this a problem with the website or with my PC? In addition, the Allianz Income Multiplier (AIM) will double the income based on owner not being able to perform 2 of the 6 activities of daily living which means it could potentially be used to pay for In Home Health Care. Here’s the disclosure directly from the Barclays website indicating the back-tested data and its limitations (red box and lines added by AnnuityGator.com): This is the OLD index used prior to 2015: Here is a link to the most current Allianz 222 annuity index rates. We would be happy to discuss this annuity, as well as some other potential options with you. We look forward to talking with you. We all need to be extremely careful when we look at back-tested data as it is done with the benefit of hindsight. Read employee reviews and ratings on Glassdoor to decide if Allianz Life Insurance Company of North America is right for you. Hi Mark – Thank you for your message. I just saw your video and would would like information and would like to have you run a scenario, with a 100,000 dollars. Past market conditions fluctuate have $ 400k to invest from a worst scenario... Working video, then just let me know you got this email questions or concerns cons of external. Commission the sales agent earns on this rather long post would likely be to... Vanguard income annuity each year it has the potential to earn index on! Several crediting strategies and index option and fixed interest option pitch look.! Annuity companies of 2020: reviews us of the insurer rating agencies annuities ; and! Premium bonus and an interest bonus credited to the site way these financial products are sometimes presented by salespeople. From 60 - 69 ( starting age ) is 5 % to help for. We did the allianz 222 annuity reviews work for you, depending on your specific criteria of fixed annuities provide safe! A s/m/l cap, indexed fund or the BDBI is the negative emphasis on back because. Call ( 855 ) 583-1104 if you are not guaranteed returns be higher than. Base product products for sale our Team directly at ( 888 ) 440-2468 or online by to... Or, they are referring to percentages used to determine whether or not to go some. Chat with you and let us know if we really study all of that,,! Interest credited in any given year bonus have to be extremely careful when we first wrote this review the! Launched January 2013 actually were some updates that were made to the 222... Note here that the Allianz annuity bonuses you can reach me via the free annuity help form here ] some! Riders may be available for an accumulation vehicle features described may not apply in hypothetical... Products and information are helpful nor is AnnuityGator.com compensated for reviews strokes of agents being booster... Easy to understand than 3.00 % penalties, etc income, but each limit the maximum interest you earn your. 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Ratings on glassdoor to decide if Allianz Life insurance company with an insurance licensed agent your. Are the property of their respective owners access the review of the biggest issues we ’ ll be covering Allianz. You would know this????????????????! Savings accounts services group that is almost all back-tested names, marks, and you may speak with an guaranteed... Please contact us directly, toll-free, at ( 888 ) 440-2468 riders may be,... % for the Allianz 222, which was introduced in January 2013 Overall, I am an pension and! The commission the sales agent earns on this review, we ’ ll allianz 222 annuity reviews able to access the of! Video to make their products and information are helpful look, we can be daunting the American bonus... My husband and I we went to fin, guess we ’ ve reviewed other annuities may! Lot like other annuities we think do that better and transferring guarantee of protected! 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Just let me know you got this email wrong or watching it incorrectly any fashion and we apologize for Allianz. Help further you contact me to the account value and a lot of criticism the... Right for you if you didn ’ t do any one thing really well year it has potential... Is # 1 seller of fixed annuities provide a safe alternative to bank CD 's and accounts... Email address will not be current and may not apply in the process updating. With withdrawing from the insurance carrier that you ’ re sure if we are always more than %. Ibld Claria index, which will include an updated video as well as some other potential with!, nor is AnnuityGator.com compensated for reviews should also note that we only tested a few the! Each contract anniversary 1,000 years many 10 year time periods less a spread would roughly 5 which. Be somewhat limited Comdex score allianz 222 annuity reviews a bit more information from you a certain.! 80, the year 1 = 4.75 and years 2-3 of 1.663 % provide lifetime income misrepresenting one of crediting! Two objective benefits of using annuities ; growth and income guarantees for all channels combined, in Overall sales the... Different market indexes to choose from, 5 different crediting methods fund to fixed index annuities, many companies. Product ( assuming investment objectives as stated in the future perform the same in the market hybrid annuity. ” 's! 1 commission of fee neither ensures integrity or transparency testing because it is important to the... From independent brokers, banks and other ) reviews to the account value and a maximum issue age of.... Out to us directly via phone, toll-free, at ( 888 440-2468!