Access SPDA vs Athene Agility 10
Side-by-side comparison with live CANNEX rate data
United Life Insurance Company
Access SPDA
Guaranteed rates, no fees, tax-deferred growth
Free W/D
10%
Surrender (6 yrs)
Waivers
Best For
Financially conservative investors age 65+ (especially) who prioritize guaranteed growth over liquidity, want predictable returns, and can commit funds for 3–5 years without needing flexibility.
Athene Annuity and Life Company
Athene Agility 10
Growth + Protection: Multi-Year Indexed Annuity
Cap Rate
10.75%
Participation
125%
Fixed Rate
2.9%
Free W/D
10%
Strategies (15)
Surrender (10 yrs)
Waivers
Best For
People within 5 years of retirement who want to grow their nest egg while protecting principal from market losses, and who can commit funds for multi-year periods.
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