Pacific Index Foundation 2 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Pacific Life Insurance Company

Pacific Index Foundation 2

Protected Growth + Index Upside with No Market Risk

Cap Rate

9.1%

Participation

100%

Fixed Rate

4%

Free W/D

10%

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

Strategies (7)

Barclays Large Cap Intraday VC10 Index100% part
Invesco QQQ Trust Series 19.1% cap
iShares Russell 2000 ETF9.1% cap
MSCI EAFE Index9.1% cap
SG Nasdaq-100 Edge VC10 Index95% part

Surrender (10 yrs)

Y1 8%Y2 8%Y3 8%Y4 7%Y5 6%Y6 4%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

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

Best For

Conservative investors nearing or in retirement who want principal protection, tax-deferred growth, and potential market upside without direct market exposure, particularly those who have maxed out 401(k) or IRA contributions.

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