Retirement Foundation ADV vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Allianz Life Insurance Company of North America

Retirement Foundation ADV

Fixed index annuity with growing income potential and market upside

Cap Rate

4%

Fixed Rate

2.8%

Free W/D

10%

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

Strategies (5)

Bloomberg US Dynamic Balance Index II4% cap
Nasdaq-100 Index4.75% cap
Russell 2000 Index4.75% cap
S&P 500 Index4.5% cap
Fixed Account2.8%

Surrender (7 yrs)

Y1 6.5%Y2 6%Y3 5%Y4 4%Y5 3%Y6 2%Y7 1%
States50
Min Premium$10,000
Issue Age0–80

Best For

People seeking guaranteed lifetime income with growth potential who can wait until at least age 50 to start withdrawals and want protection from market losses.

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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