Allianz ABC Annuity — IRR Calculator

Contract value projections & internal rate of return analysis · For licensed agent use only

Parameters

Initial Investment ($)

Starting Age Age when plan begins

Withdrawal Age Must be ≥ 50

Starting Year

Filing Status

Single Joint (−0.5%)

Bonus / Growth Option

Accelerated (CV×0.5, Base×2.5) Balanced (CV×1.0, Base×1.5)

Crediting Frequency · 结算频率

1-Year Point-to-Point (每年结算) 2-Year Point-to-Point (两年结算，ABC 默认)

1-Year = 每年用单年回报结算一次；2-Year = ABC 产品原生设计，每两年用(1+r)²−1 结算一次

Carrier 产品参数 (Bonus & Withdrawal Rates) Bonus: 1.25× · 提取比例: 3.25% / 3.75% / 4.75% / 5.25% (单身)

这些数值反映当前 Allianz ABC 合同条款。Carrier 调整后或对比不同产品时可修改下方数值。恢复默认值

初始 Bonus 倍数默认 1.25 = Benefit Base 初始为投入金额的 125%

单身提款比例 (Single) — 按 Withdrawal Age 分档

50 – 54 岁%

55 – 59 岁%

60 – 79 岁%

80 岁及以上%

联名调整 (Joint) 减扣 % — Joint 时所有档位减此数

Enter parameters above and click Run Calculation

For use by licensed insurance agents/brokers only — not for public distribution. All projections are illustrative estimates based on assumed return rates and product parameters. Actual results may vary. Consult the official Allianz product illustration for binding figures.