Allianz 222 Fixed Index Annuity – Bonuses, Growth, and Lifetime Income Protection
Smart Retirement Planning With Long-Term Growth and Income
At Diversified Insurance Brokers, we help individuals build customized retirement strategies that balance income, protection, and growth. The Allianz 222 Fixed Index Annuity, issued by Allianz Life Insurance Company of North America, is designed to provide powerful retirement benefits through premium bonuses, enhanced income features, and principal protection during market downturns.
This annuity is an ideal solution for individuals who want to protect their savings while securing increasing income for life, especially if long-term care needs become a concern.
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Premium and Interest Bonuses With Protected Income Value (PIV)
When you purchase the Allianz 222 Annuity, your premium automatically receives a 15% bonus applied to the Protected Income Value (PIV). In addition, interest bonuses multiply any credited interest by 150%, creating long-term growth within the PIV—even in flat market years. These bonuses make this annuity especially valuable for those focused on income planning over accumulation.
Tax-Deferred Growth and Market Protection
All earnings grow tax-deferred, and your principal is protected from market losses, no matter which index crediting strategy you choose. This ensures steady growth without downside risk—critical for those in or near retirement.
Penalty-Free Withdrawals and Income Flexibility
After the first contract year, you can withdraw up to 10% of your contract value annually without penalty. And when you’re ready to begin taking income, you can convert your Protected Income Value into guaranteed lifetime income, even if your contract value has been reduced by withdrawals or market changes.
Income Doubling With the Allianz Income Multiplier Benefit
If you become confined to a qualified facility or require long-term care, the Allianz Income Multiplier Benefit allows your income withdrawals to double for up to five years. This built-in feature enhances your ability to manage unexpected healthcare costs in retirement.
Guaranteed Minimum Value
The Allianz 222 also includes a Guaranteed Minimum Value, which provides an additional layer of financial security and ensures a strong foundation for income, even in low-interest environments or during periods of poor market performance.
Who Should Consider the Allianz 222 Annuity?
This annuity may be a strong fit for:
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Pre-retirees and retirees looking to lock in income with bonuses
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Individuals who want income that increases over time
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Savers concerned about future long-term care costs
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Those who value guaranteed protection and market-linked growth
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Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Allianz 222 Annuity
What is Allianz 222?
Allianz 222 is a fixed indexed annuity designed for long-term accumulation. It offers principal protection with index-linked crediting strategies, making it a potential fit for investors who want growth potential without direct market risk.
How does the growth work in Allianz 222?
Growth in Allianz 222 is based on the performance of selected market indexes. Depending on the crediting method you choose, interest may be credited using participation rates, cap-based crediting, or spread-based strategies — while protecting your principal regardless of market downturns.
Are there bonus credits or special bonuses with Allianz 222?
No — Allianz 222 focuses on accumulation through index-crediting rather than upfront bonuses. Growth comes over time via credited interest based on the contract’s indexing methods.
Does Allianz 222 offer withdrawal options?
Yes. Allianz 222 typically allows limited penalty-free withdrawals each contract year — often a percentage of the contract value. For more on general withdrawal rules, see our annuity free withdrawal rules.
Is Allianz 222 suitable for retirement income?
Allianz 222 is primarily an accumulation-style FIA, but it can be part of a broader retirement income strategy by converting to an income annuity, or pairing with other guaranteed-income products. For alternatives, review our page on best retirement income annuity options.
What are the risks or trade-offs?
Potential trade-offs include surrender-period charges for early withdrawals beyond the penalty-free amount, limited liquidity, and index-crediting caps/participation rates that may cap growth in strong markets.
Who is Allianz 222 best suited for?
This annuity works for savers seeking a conservative growth vehicle with index-linked upside, principal protection, and optional flexibility — especially for individuals who want to reduce sequence-of-returns risk.
How do I compare Allianz 222 with other FIAs?
Compare index-crediting mechanics (caps, participation, spreads), surrender schedules, withdrawal allowances, and long-term performance history. Our current annuity rates page is a good starting point for side-by-side comparison.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
