Athena Agility 10 Review | my annuity business (2023)

The Athene Agility 10 has quickly become one of the best selling index annuities and for good reason. this 10 year fixed index annuitycomes with many built-in features for free; However, as good as it is, it is not for everyone.

In this Athene Agility 10 review, we will cover:

• Athene Financial Ratings
• Agility 10 product highlights
• Enhanced Income Benefit
• Athene Agility 10 Accreditation Fees and Strategies
• historical rate of return
• Athene Agility 10 pros and cons

Athene Annuity and Life Insurance Companyis a solid insurance company with an A rating from AM Best; they are also a major player in the US annuity market.

When valuing an annuity, it is always important to consider thefinancial strengthbecause the guarantees of an annuity are backed by the claims-paying capacity of the issuing insurer.

Athenspasses this test with strong financial scores and is ranked #1 overallannuity sales indexem 2020.

So without further ado; Let's dive into our Athene Agility 10 review.

The Athene Agility 10 is a fixed index annuity with a 10-year contract term. One of the things we really like is that Athene Agility 10 offers annual and two-year annual reset options:

#1.Annual Point to Point

#two. two years point to point

It has a participation fee and a limit.index accreditation strategiesas well as a fixed interest option.

Credit ratings and options

BNP Paribas Diversified Multiactive Index 5

• Unlimited 2-year peer-to-peer index strategy (nominal fee)
• Peer-to-peer index strategy with no 1 year cap (nominal fee)

Nasdaq FC Index

• Unlimited 2-year peer-to-peer index strategy (nominal fee)
• Peer-to-peer index strategy with no 1 year cap (nominal fee)

Al-Driven US Equity Index

• Unlimited 2-year peer-to-peer index strategy (nominal fee)
• Peer-to-peer index strategy with no 1 year cap (nominal fee)

S&P 500®

• 2 Year Peer to Peer Index Strategy (Cap)
• 1 year point-to-point index strategy (Cap)

fixed account

Download:Athene Agility 10 Pricing and Product Guide

related reading

Next, we'll look at Agility 10's historical rates of return; to remember,hypothetical illustrationsthey are not guaranteed. I show an illustration of Athene Agility 10 with a starting prize of $50,000 in:

• $ 50.000 no2 yearsBNPMultiactive ParibasPTP: 90%

This is how the annuity could have been for 3 different 10 year periods. The values ​​show what would happen if the indicated index earned indexed interest using the prevailing rates for the indicated periods.

The annualized credited rate does not reflect any additional or contractual charges.

• 5,23%for the most recent 10-year period
• 5,65%for the longest period of 10 years
• 4,71%for the shortest period of 10 years

Below are tables of an Athene Agility 10 illustration that places a starting prize of $50,000 on:

• 2 yearsNasdaq FC IndexPTP participation rate: 62%

This is how the annuity could have been for 3 different 10 year periods. The values ​​show what would happen if the indicated index earned indexed interest using the prevailing rates for the indicated periods.

The annualized credited rate does not reflect any additional or contractual charges.

• 6,19%for the most recent 10-year period
• 6,19%for the longest period of 10 years
• 2,21%for the shortest period of 10 years

Athene Agility 10 comes with a 10-year warrantyfixed index annuitywhich has a free income clause with 2 options available at the time of issuance.

LIST OF DELIVERY CHARGES

1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years

9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Below are tables of a $100,000 Athene Agility 10 illustration that places a $50,000 premium on each of these 2 credit options:

1. 2-Ano Nasdaq F.CTasa PTP: 62%
2. 2 yearsBNPMultiactive ParibasPTPBowl: 90%

The annuity was purchased at age 55 and the annuity payments are deferred for 10 years; the number is for one-time annuity payments.

Benefits

• 5 differentIndexeschoose from
• Unlimited credit options available on 4 of the indices
• Annual point-to-point and two-year point-to-point options available for diversification
• Innovative indices AiPex, BNPMAD5 and Nasdaq FC
• Athene is a solid and financially stable insurer
• Improved death benefit at no cost
• No cost enhanced income benefits
• All attachments are integrated free of charge (no charge)

CONTRAS

• Backtesting's hypothetical rate of return is not as good as other annuity products, including Athene's.Elite 7 performance.
• You must wait at least 10 years to activate the lifetime annuity clause.
• The income clause is mandatory.
• A 25% premium bonus applies to the benefits base only
• To qualify for Enhanced Lifetime Income Withdrawals, you must be confined to a qualifying care facility for 180 of the past 250 days. (cannot be used for home health cases as you can in theAscending Athens Pro 10)

I'll end my Athene Agility 10 review with some final thoughts. Agility 10 is not a large annuity if your goal is safe accumulation. The threshold and participation fees are lower than other Athene membership products.

Also, the Athene Agility 10 has a 10 year contract term and I suggest staying in the 5-7 year range for accrual.

This is a great option if you are under age 60 and plan to use this annuity as part of your retirement income plan.

In short: I would not recommend the Athene Agility 10 if you are looking for an annuity to safely and consistently grow your money. If you plan to turn this part of your portfolio into a lifetime income stream, Agility 10 is possibly the best option available (Allianz 222also receives consideration).

This is an independent review of the Athene Agility 10, not a recommendation or solicitation to buy or sell an annuity. Athene Annuity and Life Company does not endorse this product review in any way and we receive no compensation for it.

Be sure to do your own due diligence, we recommend consulting a duly licensed tax, legal or financial professional with any questions you may have before making a purchase decision.

Values ​​shown are not guaranteed, unless otherwise stated. Dues and dues payment fees are subject to change. Actual values ​​may be greater or less than displayed values. The illustration is not valid without the 18 pages and the statement of understanding. Not available in all states.

Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not insured by the FDIC or NCUA, are not bank guaranteed, may lose value, and are not a deposit. Call (855) 583-1104 if you have any questions or concerns.