American Equity AssetShield 5 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

American Equity Investment Life Insurance Company

American Equity AssetShield 5

Protected growth with 10% free withdrawals and multiple index options

Cap Rate

9%

Participation

105%

Fixed Rate

3.55%

Free W/D

10%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (9)

BlackRock Adaptive US Equity 7% Index105% part
BNP Paribas Patriot Technology Index135% part
Nasdaq Premier Index9% cap
NYSE Premier Index9% cap
S&P 500 Advantage 15% VT TCA Index (USD) ER9% cap

Surrender (5 yrs)

Y1 9.2%Y2 9%Y3 8%Y4 7%Y5 6%

Waivers

Bail out provisionsNursing home waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age18–85

Best For

Conservative investors seeking principal protection with growth potential who can commit funds for 10 years and want access to annual withdrawals.

Athene Annuity and Life Company

Athene Agility 10

Growth with principal protection for confident retirement

Cap Rate

10.75%

Participation

125%

Fixed Rate

2.9%

Free W/D

10%

A.M. BestA+
FitchA+
Moody'sA1
Standard & Poor'sA+

Strategies (15)

AI Powered Global Opportunities Index125% part
AI Powered Global Opportunities Index92% part
AI Powered US Equity Index135% part
AI Powered US Equity Index100% part
BNP Paribas Multi Asset Diversified 5 Index180% part

Surrender (10 yrs)

Y1 9%Y2 9%Y3 8%Y4 7%Y5 6%Y6 5%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age40–80

Best For

People age 55+ approaching or in retirement who want growth potential but cannot tolerate losing principal to market declines, and who can commit funds for 1-5 years.

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