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Fixed Indexed Annuity

Athene Agility 7

Athene Annuity and Life Company

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5%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: July 17, 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.

Model this product

See what Athene Agility 7 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$229,006
Est. value at age 80 (Athene Agility 7)
5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.25% Cap (2-yr point-to-point)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene Agility 7's published cap rate (10.25% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how Athene Agility 7 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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Live rate data

Run live numbers for Athene Agility 7

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Athene Annuity and Life Company product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

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 fee1-year term7-year surrenderDoes not vary by premiumAdvisorWorld + 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

Annual cap

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

10.25% cap rate

Cap strategy

2-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.75% declared rate

Fixed account

1-year term · 7-year surrender · Does not vary by premium

+ 12 additional crediting options (BNP Paribas, Nasdaq FC, AI Powered...)

Lifetime Income Riders

Income rider

Income Benefit Rider

Lifetime payout rate4% lifetime payout
Annual rider fee0% annual rider fee
Interest multiplier2x interest multiplier

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 that is part of the contract, not through a separately listed GLWB rider. No lifetime payout rate is currently published here, so any income comparison against rider-led products requires Athene's own illustration.
  • 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 shows-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.

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See how Athene Agility 7 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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All crediting strategies

View rate listings (16 strategies)

These are the current crediting strategies available 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 surrenderDoes not vary by premium

Par: 95% · 1-yr

AI Powered US Equity Index

participation

7-yr surrenderDoes not vary by premium

Par: 87% · 1-yr

UBS Innovative Balanced Index

participation

7-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

AI Powered Global Opportunities Index

participation

7-yr surrenderDoes not vary by premium

Par: 72% · 1-yr

Nasdaq FC Index

participation

7-yr surrenderDoes not vary by premium

Par: 53% · 1-yr

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

participation

7-yr surrenderDoes not vary by premium

Cap: 5% · 1-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Fixed: 2.75% · 1-yr

Fixed Account

fixed

7-yr surrenderDoes not vary by premium

Par: 165% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

AI Powered US Equity Index

participation

7-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

AI Powered Global Opportunities Index

participation

7-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

UBS Innovative Balanced Index

participation

7-yr surrenderDoes not vary by premium

Par: 110% · 2-yr

Nasdaq FC Index

participation

7-yr surrenderDoes not vary by premium

Par: 73% · 2-yr

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

participation

7-yr surrenderDoes not vary by premium

Cap: 10.25% · 2-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Fixed: 2.75% · 1-yr

Fixed Account

Fixed account

Does not vary by premium

Income riders

Income rider

Income Benefit Rider

Lifetime withdrawal rate4%
Annual rider fee0%
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Linked review

Athene Agility 7 review notes

Discover the features, rates, and riders of Athene Agility Fixed Indexed Annuity. Learn how it can benefit retirees and those approaching retirement.

4.5/5Read review
Nikhil Bhauwala

Common questions about Athene Agility 7

● Can I lose money in Athene Agility 7?

A negative index return by itself does not reduce the contract's account value: Athene Agility 7 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Income Benefit Rider income rider worth the 0% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Athene Agility 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene Agility 7 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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 16 displayed rate entries, including S&P 500 Index and Fixed Account, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5% annual cap
  • S&P 500 Index: 10.25% 2-year cap
  • Fixed Account: 2.75% fixed account rate

Income rider language

What to look for before treating the rider as income

Income Benefit Rider is the main income rider listed 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% withdrawal rate
  • 0% rider fee
  • 10 deferral years

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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See how Athene Agility 7 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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