Essential Income 7 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Allianz Life Insurance Company of North America

Essential Income 7

Lifetime income with growth potential - protected from market losses

Cap Rate

3.75%

Fixed Rate

2.6%

Free W/D

10%

A.M. BestA+
Moody'sAa3
Standard & Poor'sAA

Strategies (3)

Bloomberg US Dynamic Balance Index II3.75% cap
S&P 500 Index4% cap
Fixed Account2.6%

Surrender (7 yrs)

Y1 8.5%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%

Waivers

Nursing home waiver
States50
Min Premium$10,000
Issue Age0–80

Best For

People approaching or in retirement who want guaranteed lifetime income with inflation protection and principal safety.

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.

Want the full picture?

Get a personalized comparison report with year-by-year projections for both products based on your age, premium, and goals.

Build My Comparison Report

More Comparisons

All FIA RatesAll MYGA RatesCompare ToolFree Report