Positioning
Mid-tier FIA. Notable for breadth of crediting options including volatility-controlled indexes alongside the S&P 500.
Contract terms at a glance
Crediting methods available
- Annual point-to-point with cap
- Annual point-to-point with participation rate
- Monthly sum
- Performance-triggered
See How fixed indexed annuities work for how each method works.
Riders
- Income rider (optional, charge applies)
- Enhanced death benefit
Best fit
- Consumers wanting multiple crediting strategies to allocate across
- Tax-deferred indexed growth without an income guarantee requirement
What to watch for
- 10-year surrender schedule limits liquidity
- Volatility-controlled index strategies typically offer 100% participation with no cap but lower realized volatility, so the dollar outcomes depend on the index methodology
Cap rates, participation rates, rider charges, and surrender schedules change frequently. Before purchase, request and verify the following from the carrier or producer:
- Current caps on S&P 500 strategies
- Current participation rates on volatility-controlled index strategies
- Optional rider charge level
- Death benefit treatment
- Surrender schedule and MVA terms
How to verify and source current information
- Current rate card and product brochure: Athene direct or through a licensed independent producer.
- Statement of understanding (annuity contract disclosure document).
- For variable and indexed variable annuities: the SEC-registered prospectus (search EDGAR).
- Carrier financial strength ratings: A.M. Best, S&P Global Ratings, Moody's, Fitch.
- NAIC carrier search and statutory filings: content.naic.org.
- IRS Publication 575 (Pension and Annuity Income) for taxation: IRS Pub 575.
AnnuityMatchPro does not endorse, recommend, or sell the Athene Agility 10. This review is informational. Product features, surrender schedules, caps, participation rates, and rider charges vary by issue date, state, and underwriting. Confirm specific terms with the carrier or a licensed advisor before purchase. AnnuityMatchPro is not a registered investment adviser and is not a licensed insurance agency.