Safe Return vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

Safe Return

Fixed Index Annuity with Flexibility & Guarantees

Cap Rate

10%

Participation

145%

Fixed Rate

4.25%

Free W/D

10%

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

Strategies (5)

First Trust Barclays Edge Index145% part
iShares US Real Estate ETF10% cap
S&P 500 Average Daily Risk Control Price Return Index60% part
S&P 500 Index6.75% cap
Fixed Account4.25%

Surrender (10 yrs)

Y1 10%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$25,000
Issue Age0–85

Best For

Individuals aged 0–85 with $25,000+ to invest who want growth potential linked to market indexes but need principal protection, flexibility to access funds annually, and the option for guaranteed income in retirement.

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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