Index Advisory vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Pacific Life Insurance Company

Index Advisory

Protected Growth. Market-Linked Returns. Lifetime Income.

Cap Rate

8.55%

Fixed Rate

4.25%

Free W/D

10%

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

Strategies (3)

MSCI EAFE Index8.55% cap
S&P 500 Index8.55% cap
Fixed Account4.25%

Surrender (7 yrs)

Y1 7%Y2 6%Y3 5%Y4 4%Y5 3%Y6 2%Y7 1%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$25,000
Issue Age0–85

Best For

Conservative-to-moderate investors within 5-7 years of retirement who want principal protection, tax-deferred growth, and eventual lifetime income.

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