Index Protector 5 MVA vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

Index Protector 5 MVA

Index-linked growth with principal protection

Cap Rate

17%

Participation

90%

Fixed Rate

5.15%

Free W/D

10%

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

Strategies (7)

First Trust Barclays Edge Index17% cap
iShares MSCI EAFE ETF14% cap
iShares US Real Estate ETF17.5% cap
S&P 500 Average Daily Risk Control Price Return Index90% part
S&P 500 Index12% cap

Surrender (1 yrs)

Y0 0%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$50,000
Issue Age0–89

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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