Capital Income vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Midland National Life Insurance Company

Capital Income

Fixed Index Annuity with Income Protection & Care Benefit

Cap Rate

7.5%

Participation

150%

Fixed Rate

3.5%

Free W/D

10%

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

Strategies (5)

Dimensional US Equity Core Plus Excess Return Index7.5% cap
Fidelity Multifactor Yield Index 5% ER150% part
S&P 500 Dynamic Intraday TCA Index (USD) ER10% cap
S&P 500 Index6.5% cap
Fixed Account3.5%

Surrender (7 yrs)

Y1 6%Y2 6%Y3 5%Y4 4%Y5 3%Y6 3%Y7 2%

Waivers

Nursing home waiver
States50
Min Premium$20,000
Issue Age50–80

Best For

Retirees and near-retirees (age 50-80) seeking guaranteed lifetime income with downside protection who want flexibility to increase payments and protection against long-term care costs.

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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