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Fixed Indexed Annuity

Athene Agility 10

Athene Annuity and Life Company

5.25%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 cap rate (built-in income chassis)

5.25% cap on S&P 500

A long-surrender, A+ rated fixed indexed annuity marketed for built-in lifetime income, built around a recognizable S&P 500 cap plus a broad menu of proprietary participation-rate strategies — the built-in income mechanism is structural to the contract and not exposed as a separately rated rider in the data on this page.

Built-in income — no rider feeAnnual creditingAdvisorWorld + CANNEX data

Best fit

Buyers committing to a ten-year deferral who want recognizable S&P 500 cap exposure alongside a wide menu of proprietary participation-rate strategies from a large A+ rated carrier, and who plan to evaluate the built-in income story through Athene's own illustration of the Income Base rather than a rider rate on this page.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.25% cap rate

S&P 500

S&P 500 Index

10.75% cap rate

Fixed Account

Fixed Account

2.9% declared rate

+ 12 volatility-controlled index options (BNP Paribas, Nasdaq FC, AI Powered...)

Lifetime Income Riders

Income rider

Income Benefit Rider

Lifetime payout rate4.6% lifetime payout

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so a buyer gets at least one like-for-like comparison point against other FIAs on this site rather than only proprietary participation-rate strategies.
  • Index lineup is broad: an S&P 500 cap, an S&P 500 decrement-index participation strategy, the BNP Paribas Multi Asset Diversified 5 Index, the Nasdaq FC Index, the AI Powered US Equity Index, the AI Powered Global Opportunities Index, and the UBS Innovative Balanced Index all appear on this contract — a buyer has multiple volatility-controlled options to evaluate against the S&P cap.
  • Both a 1-year and a 2-year point-to-point option are offered on most indexes, so a buyer can mix annual crediting with a longer crediting term inside one allocation.
  • Athene Annuity and Life Company is A+ rated by A.M. Best, Fitch, and Standard & Poor's, with an A1 from Moody's — the carrier-strength view on this page is from four recognized agencies.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the market-value-adjustment flag, the nursing-home waiver, and the terminal-illness waiver are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This product is marketed by Athene as a built-in-income contract, but no optional income rider with a published lifetime withdrawal rate is returned in the rate feed. The built-in income mechanism — the Income Base, any premium bonus, and any income multiplier — is structural to the contract and is not exposed in the data on this page. Do not infer a lifetime payout rate from anything visible here; confirm the income benefit numbers directly with Athene's illustration before comparing to a rider-led product.
  • Most of the index options are proprietary volatility-controlled excess-return indexes. Their participation rates can look high in absolute terms — several are above one-to-one parity — but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself; evaluate each on its own merits.
  • The 2-year point-to-point S&P 500 cap is higher than the 1-year cap, but the spec headlines the annual cap because a 2-year cap is a multi-year crediting term and is not directly comparable to single-year caps used on competing contracts. Read the calculation-frequency column on the strategy table before comparing any 2-year number to a 1-year cap elsewhere.
  • Surrender lockup runs ten years (9/9/8/7/6/5/4/3/2/1) with a market-value adjustment on amounts above the free-withdrawal allowance. This is a long-deferral commitment with interest-rate sensitivity on early exits — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • The standard death benefit on this contract pays cash surrender value, not account value or a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a published GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity, or require an account-value-based death benefit — none of those are what this contract is built to deliver, and the Agility name should not be read as a guaranteed-payout-rate promise without confirming the Income Base numbers with the carrier.

All crediting strategies

View rate listings (30 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 130% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 100% · 1-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 92% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 92% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 77% · 1-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 57% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender

Cap: 5.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.9% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 135% · 2-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 125% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 125% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 120% · 2-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 78% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender

Cap: 10.75% · 2-yr

S&P 500 Index

cap

10-yr surrender

Par: 130% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 100% · 1-yr

AI Powered US Equity Index

Par: 92% · 1-yr

AI Powered Global Opportunities Index

Par: 92% · 1-yr

UBS Innovative Balanced Index

Par: 77% · 1-yr

Nasdaq FC Index

Par: 57% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Cap: 5.25% · 1-yr

S&P 500 Index

Fixed: 2.9% · 1-yr

Fixed Account

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 135% · 2-yr

AI Powered US Equity Index

Par: 125% · 2-yr

AI Powered Global Opportunities Index

Par: 125% · 2-yr

UBS Innovative Balanced Index

Par: 120% · 2-yr

Nasdaq FC Index

Par: 78% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Cap: 10.75% · 2-yr

S&P 500 Index

Income riders

Income rider

Income Benefit Rider

Lifetime withdrawal rate4.6%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income Benefit Rider

Lifetime withdrawal rate4.1%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Death Benefit - CV

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene-Agility-Consumer-Brochure.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Athene Agility 10 currently shows 15 distinct indexed or fixed crediting choices across 30 current rate listings, including S&P 500 Index and S&P 500 FC TCA 0.50% Decrement Index (USD) ER, with 10 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.25% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 57% participation
  • S&P 500 Index: 10.75% cap

Income rider language

What to look for before treating the rider as income

Income Benefit Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.6% withdrawal rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Athene-Agility-Consumer-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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