Today's Top Annuities

Allianz Rates

Allianz annuity rates today.

Allianz Life is the benchmark fixed indexed annuity issuer in the United States. The flagship Benefit Control product currently offers a 9.75% guaranteed simple roll-up on the income base — one of the highest in the FIA category.

Allianz's headline rates

ProductTypeTermRate
Benefit ControlFIA — income rider10 years9.75% roll-up

Where Allianz wins on rates

Allianz does not compete on MYGA APY because they don't issue MYGA. Where Allianz wins is on the income base roll-up and the flexibility of the rider — the ability to defer, activate, stop, and restart income. For a buyer planning lifetime income 8–15 years out, the roll-up math is more economically meaningful than a 25-bps MYGA differential.

Cap and participation rates

Underlying index allocations (S&P 500, Bloomberg US Dynamic Balance II, BNP Paribas Multi Asset Diversified 5, etc.) carry monthly cap or participation rates that Allianz refreshes for new contracts. Once issued, your renewal rate floors and ceilings are set by contract.

Read the full Allianz review or browse all today's annuity rates.

Frequently asked questions

What are Allianz's current annuity rates?
Allianz Benefit Control currently offers a guaranteed simple roll-up of approximately 9.75% on the income base. Cap and participation rates on the underlying index allocations are refreshed monthly. Allianz does not issue traditional MYGA products.
Does Allianz offer a MYGA?
No. Allianz Life focuses exclusively on fixed indexed annuities. If you want a traditional multi-year guaranteed annuity, consider Athene, Nationwide, or MassMutual Ascend.
How does the 8% roll-up actually work?
The 8% applies to your income base — a separate accounting value used only to calculate lifetime income, not your cash value. After 10 years of deferral, the income base would roughly double, and lifetime income is calculated by multiplying it by an age-based payout factor (typically 5–6% at age 65).
Minimum premium for an Allianz annuity?
Most Allianz FIA contracts have a minimum of $20,000. Premium bands at $100,000+ and $250,000+ usually unlock higher caps or participation rates.

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