Index Protector 4 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

Index Protector 4

Index-linked growth with principal protection

Cap Rate

10%

Participation

70%

Fixed Rate

4.65%

Free W/D

10%

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

Strategies (6)

iShares MSCI EAFE ETF10% cap
iShares US Real Estate ETF12.5% cap
S&P 500 Average Daily Risk Control Price Return Index70% part
S&P 500 Index8% cap
S&P U.S. Retiree Spending Total Return Index75% part

Surrender (4 yrs)

Y1 5.6%Y2 5.6%Y3 5.6%Y4 5.6%

Waivers

Nursing home waiverTerminal illness waiver
States49
Min Premium$50,000
Issue Age0–90

Best For

Investors age 0-90 seeking tax-deferred growth with principal protection who want indexed returns and flexibility in retirement income planning.

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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