American Landmark 3 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

American Landmark 3

Fixed Annuity with 3-Year Rate Guarantee & Penalty-Free Withdrawals

Cap Rate

7%

Participation

100%

Fixed Rate

3.35%

Free W/D

10%

A.M. BestA++
Standard & Poor'sA+

Strategies (5)

First Trust Barclays Edge Index100% part
iShares US Real Estate ETF7% cap
MSCI EAFE Index6.5% cap
S&P 500 Index5.5% cap
Fixed Account3.35%

Surrender (3 yrs)

Y1 9%Y2 8%Y3 7%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$50,000
Issue Age0–85

Best For

Conservative investors age 0-90 seeking guaranteed growth, predictable retirement income, and protection of principal, particularly those with qualified retirement accounts or inherited IRAs.

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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