Allianz Accumulation Advantage+ Fixed Index Annuity – Growth Potential With Flexibility and Protection
Smart Accumulation With Principal Protection
At Diversified Insurance Brokers, we help clients build secure retirement plans with products that offer both growth potential and downside protection. The Allianz Accumulation Advantage+ Fixed Index Annuity, issued by Allianz Life Insurance Company of North America, is a modern retirement solution that combines premium bonuses, indexing strategies, and liquidity features to provide a well-rounded retirement income strategy.
Whether you’re nearing retirement or diversifying your long-term savings, this annuity offers the tools to accumulate wealth safely and efficiently.
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Premium Bonus for Early Contributions
One of the standout features of the Accumulation Advantage+ is its premium bonus, applied to all contributions made within the first 18 months of the contract. This bonus immediately increases your contract value and helps accelerate long-term growth.
By rewarding early funding, the annuity helps you start stronger and accumulate more—especially valuable for those rolling over larger sums from IRAs, 401(k)s, or other retirement accounts.
Indexing Options for Growth With No Market Risk
Policyholders can allocate their funds to a wide variety of indexed interest accounts linked to market benchmarks like the S&P 500®, NASDAQ-100®, or other volatility-controlled indices. These accounts offer the potential for market-linked gains, while your principal is always protected from market losses.
There’s also a fixed interest account available for those who prefer guaranteed returns.
Index Lock and Flexible Access Features
The Index Lock feature gives you the ability to lock in gains on indexed accounts before the end of the strategy term, allowing for proactive risk management and additional control.
Additionally, you can withdraw up to 10% of your contract value each year penalty-free, starting after the first contract year. This flexibility allows you to meet unexpected expenses or adjust your income plan without giving up future growth.
Is the Allianz Accumulation Advantage+ a Good Fit for You?
This annuity may be ideal for:
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Individuals seeking market-linked growth without downside risk
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Pre-retirees funding the contract with larger sums during the first 18 months
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Those who value bonus incentives and index flexibility
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Clients looking for ongoing liquidity and control in their retirement portfolio
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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 Accumulation Advantage+
What is Allianz Accumulation Advantage+?
Allianz Accumulation Advantage+ is a fixed indexed annuity structured to offer principal protection, tax-deferred growth, and the potential for accumulation through indexed crediting strategies. It is suitable for investors seeking stability plus upside potential over time.
How are interest credits determined?
The annuity uses indexed crediting strategies tied to one or more market indexes. Depending on the chosen method, interest may be credited based on participation rates, cap rates, or spreads. Even if the index performs poorly, your contract value is protected from loss of principal.
Does Accumulation Advantage+ offer an income rider?
Accumulation Advantage+ is primarily designed for accumulation rather than immediate lifetime income. However, upon surrender or contract maturity, you may convert value into income annuities or use other payout strategies, similar to those discussed on our best retirement income annuity options page.
Are penalty-free withdrawals permitted?
Yes — like many fixed indexed annuities, Allianz typically allows a limited, penalty-free withdrawal each contract year (often a percentage of the account value). This feature offers liquidity while preserving the main benefits of the annuity, following common annuity free withdrawal rules.
Who is this annuity best suited for?
Accumulation Advantage+ is best for individuals who want to protect their savings from market downturns, prefer tax-deferred growth, and may want to convert savings into income later. It’s well suited for pre-retirees, retirees, or anyone seeking a relatively conservative growth option.
What happens if I surrender early?
If you withdraw or surrender funds beyond the penalty-free allowance during the surrender period, surrender charges and possible market-value adjustments may apply. This is an important trade-off for the guarantees and interest-crediting security.
How do I compare Accumulation Advantage+ to other annuities?
You should compare index crediting methods, participation/cap/spread rates, surrender schedules, liquidity options, and potential payout strategies. Use our current annuity rates page and income illustrations for a thorough evaluation.
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.
