Allianz 222® Annuity

Are you concerned about saving enough for retirement, while protecting a portion of your portfolio? Allianz 222® Annuity may be a good choice if you want flexibility and don’t need retirement income for at least 10 years. It offers two ways to get a bonus,¹ two ways to get an income increase, and two ways for your beneficiaries to receive the death benefit.

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Valuable benefits plus flexibility

Allianz 222® is designed to emphasize lifetime income in retirement. Because it’s a fixed index annuity (FIA), it offers tax-deferred growth, protects your principal and credited interest from market downturns, and provides a death benefit for beneficiaries. It also has innovative features that may give you even more potential, as our video explains.

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[Narrator] Like a lot of folks, Mia and Mark look forward to retiring in a few years.

[On-screen disclosure] Mia and Mark are hypothetical and are not actual Allianz customers. [End of on-screen disclosure]

But while they have some savings, they still worry about the what-ifs.

They decide to review their retirement strategy with their financial professional. She explains that while you can't anticipate everything, some financial tools provide additional flexibility to help address life's unexpected turns.

One such tool is Allianz 222® Annuity.

Their financial professional explains that it's named 222 because it offers two ways to get a bonus, two ways to get income increases, and two ways for beneficiaries to get the death benefit.

[On-screen disclosure] Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. [End of on-screen disclosure]

Allianz 222® also has innovative features that can provide added potential and flexibility. But let's start with the basics.

[On-screen disclosure] The death benefit is available in the accumulation phase, prior to annuitization. Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. [End of on-screen disclosure]

Allianz 222® Annuity is simply a contract that provides several key benefits. And because it's a fixed index annuity, Allianz 222® offers an additional benefit: the potential to earn fixed or indexed interest.

Mia and Mark are familiar with fixed interest, which is declared annually and credited daily.

Indexed interest, on the other hand, is based on changes in an external market index. Here's how it works.

[On-screen disclosure] Hypothetical illustration [End of on-screen disclosure]

Allianz tracks the index value over a specified period of time, which we call a crediting period. And if the index ends at a higher value than where it started, Mia and Mark's annuity earns interest up to certain limits.

Allianz 222® even gives Mia and Mark the option to lock in an index value, either manually or automatically, to ensure a positive credit.

[On-screen disclosure] Exercising an Index Lock may result in crediting interest higher or lower than if a lock had not been exercised. [End of on-screen disclosure]

They're not actually buying stocks or shares in the index, however, so if there is a market downturn, their annuity's value is never reduced because of market losses.

[On-screen disclosure] The premium and interest are not at risk due to market losses, but fees and charges may reduce the contract value. [End of on-screen disclosure]

And if the market goes up again, Mia and Mark don't have to make up any losses before they can start earning indexed interest.

Over time, this can help accelerate their accumulation potential.

And you know what else can help with that?

Two different bonuses, which are credited to their protected income value.

[On-screen disclosure] The premium bonus and interest bonus are credited only to the Protected Income Value. To receive the PIV, including the bonuses, the contract must be held for at least 10 contract years, and then lifetime withdrawals must be taken. You will not receive the bonuses if the contract is fully surrendered or if annuitization payments are taken. If it is partially surrendered the PIV will be reduced proportionally, which could result in a partial loss of bonuses. [End of on-screen disclosure]

This is a separate value in their annuity that we've specifically designed for lifetime withdrawals.

The first bonus is based on how much premium Mia and Mark put into their annuity. We also add a second bonus to their protected income value: an interest bonus in any year they earn interest from their chosen allocations.

And remember what we said about two ways to receive income increases?

[On-screen disclosure] Hypothetical illustration. Increasing income potential is provided through a built-in rider at no additional cost. [End of on-screen disclosure]

Mia and Mark will continue to receive the interest bonus in any year their contract earns interest, even after they start taking lifetime withdrawals from their protected income value.

What's more, once their payment amount increases, it's locked in at that new higher level.

There's also a second way Mia and Mark's income can increase under qualifying circumstances.

[On-screen disclosure] To receive the Allianz Income Multiplier Benefit, you must be confined to a qualified hospital, nursing facility, or assisted living facility for at least 90 days in a consecutive 120-day period or become unable to perform two of the six activities of daily living (ADLs) for at least 90 days. [End of on-screen disclosure]

As long as their contract has an accumulation value, they can double their annual maximum withdrawal if a covered person can't perform at least two of the six activities of daily living or are confined in an eligible facility.

That can include a hospital, nursing facility, or assisted living facility, subject to benefit eligibility requirements.

Hopefully Mia and Mark won't need this benefit, but isn't it nice to have a plan for it anyway?

Finally, Mia and Mark appreciate that Allianz 222® gives their beneficiaries two ways to receive the contract's death benefit.

[On-screen disclosure] The death benefit is available in the accumulation phase, prior to annuitization. Your beneficiary(ies) can receive the greater of the accumulation value, guaranteed minimum value, or cumulative withdrawal amount as a lump sum. [End of on-screen disclosure]

Their beneficiaries can receive the accumulation value as a lump sum if they choose,

[On-screen disclosure] Your beneficiary(ies) can receive the greater of the accumulation value, guaranteed minimum value, or cumulative withdrawal amount as a lump sum(this option doesn't include any bonuses associated with the PIV). [End of on-screen disclosure]

or they can receive the protected income value, including the premium and interest bonuses, as annuity payments over as few as five years.

When it comes to preparing for the future, Allianz 222® Annuity can be a great part of your overall retirement strategy because it can provide guaranteed income for life, plus the flexibility to help address those unexpected what-ifs.

Think Allianz 222® Annuity may be a good fit for you? Talk with your financial professional to learn more.

[On-screen disclosures]

The purchase of an annuity is an important financial decision. You should have a full discussion with your financial professional regarding fees, costs, and potential benefits before making any decision.

Fixed index annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax-deferred accumulation potential, and the reassurance of a death benefit for beneficiaries.

Premium payments are accepted through the first 18 months.

The PIV and increasing income potential are provided through built-in riders at no additional cost.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

Distributions are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax.

Allianz Life Insurance Company of North America, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. www.allianzlife.com

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

Product and feature availability may vary by state and broker/dealer.

C54370-MVA, R95352-MVA, ICC16C54370-MVA

M-8079 (1/2024)

[End of on-screen disclosures]

Features of Allianz 222® Annuity

Two ways to get a bonus

Allianz 222® Annuity offers two ways to receive a bonus on the Protected Income Value of your contract.¹ You’ll receive a 45% premium bonus on any premium you place in your annuity in the first 18 months. You’ll also receive an interest bonus resulting in a credit of 150% of any fixed and/or indexed interest your contract earns – for as long as you live.

Two ways to get an income increase

When you’re ready to start receiving income, your lifetime income withdrawals can increase based on any interest you’ve earned, enhanced by the 150% interest bonus factor. Plus, you can double your annual maximum withdrawal under qualifying circumstances.

Two ways to get a death benefit

Allianz 222® Annuity also gives beneficiaries the option to receive your annuity's full accumulation value² in a lump sum if they wish, or instead, they can receive the full Protected Income Value as annuity payments over at least five years.

Index Lock

React to volatility by locking in a positive index value at any point during the crediting period. Index Lock can assure you receive a positive index credit, no matter what happens in the market during the remainder of the crediting period.³

Allocation options

An allocation option is the combination of an index – such as the S&P 500® Index – and a crediting method. Allianz 222® lets you choose among the following indexes (options may vary by state).

S&P 500® Index

Considered by many to be the most common benchmark used in measuring the performance of U.S. stock market large-caps, which are companies with a market capitalization value of more than $10 billion. The S&P 500® Index represents a broad cross-section of common stocks traded on every major U.S. stock exchange. The Index is a selection of 500 leading companies from 100 distinct industry groups found in 10 leading American industrial market sectors.

Available with the monthly sum and annual point-to-point with a cap crediting methods (see descriptions below).

Bloomberg US Dynamic Balance II ER Index

The Bloomberg US Dynamic Balance II ER Index is comprised of the Bloomberg US Equity Custom Futures ER Index and the Bloomberg US Aggregate Custom RBI Unfunded Index and shifts weighting between them daily based on historical realized volatility. In order to manage index volatility during times of high volatility the index weights may not add up to 100%. The Bloomberg US Equity Custom Futures ER Index is a custom index that tracks futures on large-cap equities, similar to futures on the S&P 500® Index. The Bloomberg US Aggregate Custom RBI Unfunded Index is a custom index designed to track futures prices on the Bloomberg US Aggregate Bond Index – a well-established benchmark for the U.S. bond markets. The Bloomberg US Dynamic Balance II ER Index uses an excess return methodology by tracking the price of futures. Futures prices reflect the expected future price of an index and account for expected dividends. The excess return structure is designed to create a level of stability in your participation rate (for the associated crediting method) from year to year by mitigating the impact of short-term interest rates on renewal rates.

Available with annual point-to-point with a participation rate and 2-year or 5-year MY point-to-point with a participation rate crediting methods (see description below).

PIMCO Tactical Balanced ER Index

The PIMCO Tactical Balanced ER Index is comprised of the U.S. Equity Futures Custom Index, a bond component comprised of the PIMCO Synthetic ER Bond Index with a duration overlay, and shifts weighting between them daily based on historical realized volatility of the components. In order to manage index volatility during times of high volatility the index weights may not add up to 100%. The U.S. Equity Futures Custom Index is a custom index that tracks futures on large-cap equities, similar to futures the S&P 500 Index. The PIMCO Synthetic Bond ER Index is a custom index comprised of a small number of instruments designed to provide exposure to futures on U.S. investment-grade and Treasury bond markets. The duration overlay adjusts the interest rate exposure in response to changes in market trends. The PIMCO Tactical Balanced ER Index uses an excess return methodology by tracking the price of futures. Futures prices reflect the expected future price of an index and account for expected dividends. The excess return structure is designed to create a level of stability in your participation rate (for the associated crediting method) from year to year by mitigating the impact of short-term interest rates on renewal rates.

Available with annual point-to-point with a participation rate and 2-year or 5-year MY point-to-point with a participation rate crediting methods (see description below).

BlackRock iBLD Claria® ER Index

The BlackRock iBLD Claria® Index is comprised of an equity component, a fixed income component, and a cash component. It shifts weighting between them daily based on historical realized volatility of the components. Annually, BlackRock® will set allocations to the ETFs within each of the equity component and the fixed income component, based on(or reflecting) BlackRock’s market outlook

Available with annual point-to-point with a participation rate crediting method (see description below).

S&P 500® Futures Daily Risk Control 5% Index

The S&P 500® Futures Daily Risk Control 5% Index is comprised of the S&P 500 Futures Index ER and the S&P 10-year Treasury Note Futures Index ER and is balanced daily to achieve target volatility.

Available with 2-year and 5-year MY point-to-point with a participation rate crediting methods (see description below).

Fixed Interest

A fixed interest allocation is also available. See current rates.

Crediting methods

Crediting methods are simply mathematical formulas that determine how much indexed interest your annuity receives based on changes in an index during a given timeframe ("crediting period").

Annual point-to-point with a cap

This straightforward crediting method uses the index value from only two points in time, so it may be a good choice if you want to minimize the effects of midyear market volatility. A cap sets an upper limit on how much indexed interest is credited to your annuity at the end of each crediting period.

Annual point-to-point with a participation rate

This straightforward crediting method uses the index value from only two points in time, so it may be a good choice if you want to minimize the effects of midyear market volatility. A participation rate determines what percentage of the positive index change is credited to your annuity at the end of each crediting period.

Monthly sum

This crediting method looks at the index value each month on the contract’s anniversary and compares it to the prior month’s value, then calculates the percentage of change. A cap is applied to any positive changes; however, there is no cap to negative changes. At the end of the year, the monthly index increases and decreases are added up. If the final sum is positive, the annuity receives that amount as indexed interest.

MY (multi-year) point-to-point with a participation rate

Similar to annual point-to-point, but with a 2-year or 5-year crediting period. A participation rate determines what percentage of the positive index change is credited to your annuity at the end of each crediting period.

Talk to your financial professional to learn more

Common questions:

Learn about the key benefits of fixed index annuities.

Get answers to some frequently asked questions.

Current MVA reference rate: 4.80 % as of 7/18/2025

Uses the yield of the Bloomberg US Intermediate Corporate Bond Index

Historical MVA reference rates

Withdrawal charge schedule

Start of contract year	1	2	3	4	5	6	7	8	9	10
Withdrawal charge %	10%	10%	10%	8.75%	7.50%	6.25%	5.00%	3.75%	2.50%	1.25%

¹The premium bonus and interest bonus are credited only to the Protected Income Value (PIV). To receive the PIV, including the bonus, the contract must be held for at least 10 contract years, and then lifetime income withdrawals must be taken. You will not receive the bonuses if the contract is fully surrendered or if traditional annuitization payments are taken. If it is partially surrendered the PIV will be reduced proportionally, which could result in a partial loss of bonuses. Income withdrawals are considered partial withdrawals and are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax. Because this is a bonus annuity, it may include higher surrender charges, longer surrender charge periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don't offer a bonus feature.

²The lump-sum death benefit is equal to the greater of the contract’s accumulation value, cumulative withdrawal amount, or guaranteed minimum value.

³Exercising an Index Lock may result in an interest credit higher or lower than had the lock not been exercised.

Standard & Poor’s 500^® index (S&P 500^®) is comprised of 500 stocks representing major U.S. industrial sectors. The Dow Jones Industrial Average is a popular indicator of the stock market based on the average closing prices of 30 active U.S. stocks representative of the overall economy.

S&P^® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). These trademarks have been licensed for use by S&P Dow Jones Indices LLC and its affiliates. S&P^® and S&P 500^® are trademarks of S&P and Dow Jones^®, Dow Jones Industrial Average^SM, DJIA, and The Dow are trademarks of Dow Jones. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of North America (“Allianz”). The S&P 500 and Dow Jones Industrial Average (DJIA) are products of S&P Dow Jones Indices LLC and/or its affiliates and have been licensed for use by Allianz. Allianz products are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates make any representation regarding the advisability of investing in such product.

The Bloomberg US Dynamic Balance Index II is comprised of the Bloomberg US Aggregate RBI Series 1 Index, the S&P 500® Index, and cash, and shifts weighting daily between them based on realized market volatility. The Bloomberg US Aggregate RBI Series 1 Index is comprised of a portfolio of derivative instruments plus cash that are designed to track the Bloomberg US Aggregate Bond Index. The Bloomberg US Aggregate Bond Index is comprised of Bloomberg US investment-grade, fixed-rate bond market securities, including government agency, corporate, and mortgage-backed securities.

The Bloomberg US Dynamic Balance Index II (a "Bloomberg Index") is the property of Bloomberg Index Services Limited and is derived and calculated based on the S&P 500 Index under license from S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) ("S&P Dow Jones Indices"). S&P® is a registered trademark of Standard & Poor's Financial Services LLC and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC. S&P 500® is a registered trademark of Standard & Poor's Financial Services LLC and has been licensed for use to Bloomberg Index Services Limited. Neither S&P Dow Jones Indices, its affiliates nor their third party licensors sponsor or promote the Index and no such party shall have any liable in connection with the Bloomberg Index.

“Bloomberg®” and Bloomberg US Dynamic Balance II ER Index are service marks of Bloomberg Finance L.P. and its affiliates, including Bloomberg Index Services Limited (“BISL”), the administrator of the index (collectively, “Bloomberg”) and have been licensed for use for certain purposes by Allianz Life Insurance Company of North America ("Allianz"). Bloomberg is not affiliated with Allianz Life Insurance Company of North America ("Allianz"), and Bloomberg does not approve, endorse, review, or recommend the Allianz product. Bloomberg does not guarantee the timeliness, accurateness, or completeness of any data or information relating to the Allianz product.

The Bloomberg US Dynamic Balance II ER Index is comprised of the Bloomberg US Aggregate Custom RBI Unfunded Index and the Bloomberg US Equity Custom Futures ER Index and shifts weighting daily between them based on realized market volatility. The Bloomberg US Aggregate Custom RBI Unfunded Index is comprised of a portfolio of derivative instruments that are designed to provide exposure to U.S. Investment-grade and Treasury bond markets in excess of a benchmark rate. The Bloomberg US Equity Custom Futures ER Index is designed to provide exposure to large cap U.S. stocks in excess of a benchmark rate.

The PIMCO Tactical Balanced Index is comprised of the S&P 500® Index, a bond component comprised of the PIMCO Synthetic Bond Index and a duration overlay, and cash, and shifts weighting between them daily based on historical realized volatility of the components. The PIMCO Synthetic Bond Index is comprised of a small number of derivative instruments designed to provide exposure to U.S. investment-grade and Treasury bond markets.

The “PIMCO Tactical Balanced Index” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and Pacific Investment Management Company LLC (“PIMCO”), and has been licensed for use by Allianz Life Insurance Company of North America (“Allianz”). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. PIMCO’s Trademark(s) are trademarks of PIMCO and have been licensed for use by SPDJI and Allianz. Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or PIMCO and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the PIMCO Tactical Balanced Index.

The PIMCO Tactical Balanced ER Index is comprised of the U.S. Equity Futures Custom Index, a bond component comprised of the PIMCO Synthetic Bond ER Index and a duration overlay, and shifts weighting between them daily based on historical realized volatility of the components. The U.S. Equity Futures Custom Index provides exposure to large cap U.S. stocks in excess of a benchmark rate. The PIMCO Synthetic Bond ER Index is comprised of a small number of derivative instruments designed to provide exposure to U.S. investment-grade and Treasury bond markets in excess of a benchmark rate.

The "PIMCO Tactical Balanced ER Index" (the "Index") is a rules-based index that tactically allocates across U.S. equity and fixed income markets using quantitative signals. The Index is a trademark of Pacific Investment Management Company LLC ("PIMCO") and has been licensed for use for certain purposes by Allianz Life Insurance Company of North America (the "Company" or “Allianz”) with respect to this Allianz product (the "Product"). The Index is the exclusive property of PIMCO and is made and compiled without regard to the needs, including, but not limited to, the suitability or appropriateness needs, as applicable, of the Company, the Product, or any Product owners. The Product is not sold, sponsored, endorsed, or promoted by PIMCO or any other party involved in, or related to, making or compiling the Index.

Neither PIMCO nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the Product. In the event that the Index is no longer available to the Product or Product owners, the Company may seek to replace the Index with another suitable index, although there can be no assurance that one will be available.

PIMCO disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. PIMCO shall have no responsibility or liability with respect to the Product.

The Index is comprised of a number of constituents, some of which are owned by entities other than PIMCO. All disclaimers referenced in the Agreement relative to PIMCO also apply separately to those entities that are owners of the constituents of the Index.

The S&P 500^® Index is comprised of 500 stocks representing major U.S. industrial sectors. The S&P 500^® Futures Daily Risk Control 5% Index is comprised of the S&P 500 Futures Index ER and the S&P 10-year Treasury Note Futures Index ER and is balanced daily to achieve target volatility.

The "S&P 500^® Futures Daily Risk Control 5% Index" is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Allianz Life Insurance Company of North America (Allianz). Standard & Poor’s^® and S&P^® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Futures Daily Risk Control 5% Index.

S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”). This trademark has been licensed for use by S&P Dow Jones Indices LLC and its affiliates. S&P® and S&P 500^® are trademarks of S&P. These trademarks have been sublicensed for certain purposes by Allianz Life Insurance Company of North America (“Allianz”). The S&P 500 is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by Allianz. Allianz products are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates make any representation regarding the advisability of investing in such product.

The BlackRock iBLD Claria® Index is comprised of an equity component, a bond component, and a cash component. It shifts weighting between them daily based on historical realized volatility of the components. Annually, BlackRock will set allocations to the ETFs within each of the equity component and the bond component. The equity component will be comprised of the following ETFs: iShares Russell 2000 ETF, iShares Core S&P 500 ETF, iShares MSCI EAFE ETF, iShares MSCI Emerging Markets ETF. The bond component will be comprised of the following ETFs: iShares 1-3 year Treasury Bond ETF, iShares 3-7 year Treasury Bond ETF, iShares 7-10 year Treasury Bond ETF. The cash component is represented by the 3 month LIBOR rate. The BlackRock iBLD Claria® ER Index is comprised of an equity component, a bond component, and a cash component. It shifts weighting between the components daily based on historical realized volatility of the components. The index tracks the return in excess of a benchmark rate. Annually, BlackRock will set allocations to the ETFs within each of the equity component and the bond component. The equity component will be comprised of the following ETFs: iShares Russell 2000 ETF, iShares Core S&P 500 ETF, iShares MSCI EAFE ETF, iShares MSCI Emerging Markets ETF. The bond component will be comprised of the following ETFs: iShares 1-3 year Treasury Bond ETF, iShares 3-7 year Treasury Bond ETF, iShares 7-10 year Treasury Bond ETF. The cash component is represented by the 3 month LIBOR rate.

The BlackRock iBLD Claria® Index and the BlackRock iBLD Claria® ER Index (the “Indices”) are products of BlackRock Index Services, LLC and have been licensed for use by Allianz Life Insurance Company of North America (“Allianz”). BlackRock®, BlackRock iBLD Claria® Index, BlackRock iBLD Claria® ER Index, and the corresponding logos are registered and unregistered trademarks of BlackRock. The Allianz product is not sponsored, endorsed, sold or promoted by BlackRock Index Services, LLC, BlackRock, Inc., or any of its affiliates, or any of their respective third party licensors (including the Indices calculation agent, as applicable) (collectively, “BlackRock”). BlackRock has no obligation or liability in connection with the administration or marketing of the Allianz product. BlackRock makes no representation or warranty, express or implied, to the owners of the Allianz product or any member of the public regarding the advisability of investing in the Allianz product or the ability of the Index to track general market performance. BlackRock does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Indices or any data or communication related thereto nor does it have any liability for any errors, omissions or interruptions of the Indices.

Any distributions are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax.

During the first 10 years, a surrender charge and MVA will apply if the contract is partially or fully surrendered. These charges may result in a loss of indexed interest and fixed interest, interest bonus, and a partial loss of principal (premium).

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

This content does not apply in the state of New York.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060. (C54370-MVA, R95352-MVA, ICC16C54370-MVA)

Product and feature availability may vary by state and broker/dealer.

PS222

Allianz 222® Annuity

Rates

Explore the allocation options

Get more details

Valuable benefits plus flexibility

Features of Allianz 222® Annuity

Two ways to get a bonus

Two ways to get an income increase

Two ways to get a death benefit

Index Lock

Allocation options

Crediting methods

Talk to your financial professional to learn more

Common questions:

Already own Allianz 222®?

Why consider a fixed index annuity (FIA)?

Have additional questions?

Current MVA reference rate: 4.80 % as of 7/18/2025

Withdrawal charge schedule

Allianz 222® Annuity

Already own Allianz 222®?

Why consider a fixed index annuity (FIA)?

Have additional questions?

Current MVA reference rate: 4.80 % as of 7/18/2025

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