Rate Certainty Annuity vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

American National Insurance Company

Rate Certainty Annuity

Fixed indexed annuity with guaranteed rates and S&P 500 upside potential

Participation

100%

Fixed Rate

3.65%

Free W/D

10%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (2)

S&P 500 Dynamic Intraday TCA Index (USD) ER100% part
Fixed Account3.65%

Surrender (20 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 5%Y7 5%Y8 5%Y9 5%Y10 5%Y11 5%Y12 5%Y13 5%Y14 5%Y15 5%Y16 5%Y17 4%Y18 2%Y19 2%Y20 1%

Waivers

Disability waiverNursing home waiverRMD waiverTerminal illness waiver
States51
Min Premium$5,000
Issue Age0–85

Best For

Conservative investors seeking principal protection with growth potential and rate certainty who can commit funds for the surrender charge period.

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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