Summit Journey 10 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Midland National Life Insurance Company

Summit Journey 10

Guaranteed lifetime income. Market growth. Premium protection.

Cap Rate

5.5%

Participation

175%

Fixed Rate

3.1%

Free W/D

10%

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

Strategies (10)

Fidelity Multifactor Yield Index 5% ER175% part
Fidelity Multifactor Yield Index 5% ER120% part
S&P 500 Dynamic Intraday TCA Index (USD) ER65% part
S&P 500 Dynamic Intraday TCA Index (USD) ER45% part
S&P 500 Index5.5% cap

Surrender (10 yrs)

Y1 8%Y2 8%Y3 8%Y4 7%Y5 6%Y6 5%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

Nursing home waiverRMD waiver
States50
Min Premium$20,000
Issue Age40–79

Best For

Retirees or near-retirees age 40-79 who want guaranteed lifetime income, market-linked growth potential, and protection from market downturns, particularly those concerned about longevity risk and potential long-term care needs.

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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