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Fixed Indexed Annuity

Athene Agility 7

Athene Annuity and Life Company

5%

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 annual cap rate

5% cap on S&P 500

A 7-year-surrender, A+ rated fixed indexed annuity from Athene with built-in lifetime-income mechanics rather than a separately published GLWB rider rate, an accumulation menu that pairs a recognizable S&P 500 annual cap with a broad set of proprietary participation-rate index strategies, and no strategy fees on any of those crediting options.

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

Best fit

Buyers who want a 7-year FIA from a large A+ rated carrier with index-linked accumulation across both a recognizable S&P 500 annual cap and a wide proprietary volatility-controlled menu, and who plan to evaluate any income story through Athene's own Lifetime Income Withdrawal Benefit illustration rather than from a rider rate published on this page.

AM Best

A+ Superior

Surrender period

7 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% cap rate

S&P 500

S&P 500 Index

10.25% cap rate

Fixed Account

Fixed Account

2.75% declared rate

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

Lifetime Income Riders

Income rider

Income Benefit Rider

Lifetime payout rate6.67% 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.
  • The index lineup is broad for a 7-year contract — S&P 500, BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and an S&P 500 decrement variant all appear on the strategy table, with both 1-year and 2-year crediting options on most indexes.
  • Athene's carrier-strength view on this page is rated by four independent agencies (A.M. Best A+, Fitch A+, Moody's A1, Standard & Poor's A+), so the strength read is not single-source.
  • Every index strategy on this contract is published as a no-fee design — none of the participation-rate or cap strategies carry a strategy fee deducted regardless of index performance, so the headline rate on each strategy is the rate that actually credits.
  • The free-withdrawal allowance, the full 7-year surrender ladder, and both a nursing-home waiver and a terminal-illness waiver are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • Athene's income mechanism on the Agility series is delivered through a built-in Lifetime Income Withdrawal Benefit structural to the contract, not through a separately listed GLWB rider — the API exposes no lifetime payout rate to publish, so any income comparison against rider-led products requires running Athene's own illustration rather than reading a number off this page.
  • Surrender period runs 7 years with a market-value adjustment on amounts above the free-withdrawal allowance, and the schedule front-loads the heaviest charges in the first two years before stepping down. This is interest-rate-sensitive on early exits — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • Most of the index menu is proprietary volatility-controlled designs (BNP Paribas MAD5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, plus an S&P 500 decrement variant). Participation rates on these strategies can look high in absolute terms 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 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.
  • There is no premium bonus and no return-of-premium guarantee on this contract — features some commission-paid retail FIAs include. Buyers comparing Agility 7 against a bonus FIA should weigh that tradeoff explicitly rather than reading the index strategy rates in isolation.

Not ideal for

Buyers who need a contractually published GLWB lifetime withdrawal rate they can read off this page, want a plain MYGA-style declared rate, need short-surrender liquidity inside 7 years, require an account-value-based or rolled-up death benefit, or expect a premium bonus to offset the surrender term — none of those are what this contract is built to deliver.

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: 120% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 95% · 1-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 87% · 1-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 85% · 1-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 72% · 1-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 53% · 1-yr

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

participation

7-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 2.75% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 165% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 125% · 2-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 115% · 2-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 115% · 2-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 110% · 2-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 73% · 2-yr

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

participation

7-yr surrender

Cap: 10.25% · 2-yr

S&P 500 Index

cap

7-yr surrender

Par: 120% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 95% · 1-yr

AI Powered US Equity Index

Par: 87% · 1-yr

UBS Innovative Balanced Index

Par: 85% · 1-yr

AI Powered Global Opportunities Index

Par: 72% · 1-yr

Nasdaq FC Index

Par: 53% · 1-yr

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

Cap: 5% · 1-yr

S&P 500 Index

Fixed: 2.75% · 1-yr

Fixed Account

Par: 165% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 125% · 2-yr

AI Powered US Equity Index

Par: 115% · 2-yr

AI Powered Global Opportunities Index

Par: 115% · 2-yr

UBS Innovative Balanced Index

Par: 110% · 2-yr

Nasdaq FC Index

Par: 73% · 2-yr

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

Cap: 10.25% · 2-yr

S&P 500 Index

Income riders

Income rider

Income Benefit Rider

Lifetime withdrawal rate6.67%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income Benefit Rider

Lifetime withdrawal rate5.1%
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

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene - Agility 7 - Brochure (35000).pdf.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 7 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% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 53% participation
  • S&P 500 Index: 10.25% 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.

  • 6.67% 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
  • 7 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 7 - Brochure (35000).pdf.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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