American Equity IncomeShield 7 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

American Equity Investment Life Insurance Company

American Equity IncomeShield 7

Protected growth with 10% free withdrawals and multiple index options

Cap Rate

4.5%

Participation

80%

Fixed Rate

1.7%

Free W/D

10%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (4)

BlackRock Adaptive US Equity 5% Index80% part
S&P 500 Dividend Aristocrats Daily Risk Control 5% Index (USD) Excess Return4.5% cap
S&P 500 Index2.75% cap
Fixed Account1.7%

Surrender (7 yrs)

Y1 9.2%Y2 9%Y3 8%Y4 7%Y5 6%Y6 4.2%Y7 3.1%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age5080

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 Age4080

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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