American Equity GuaranteeShield vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

American Equity Investment Life Insurance Company

American Equity GuaranteeShield

Protected growth with 10% free withdrawals and multiple index options

Free W/D

10%

A.M. BestA
FitchA
Standard & Poor'sA

Surrender (5 yrs)

Y1 9%Y2 8.25%Y3 7.25%Y4 6.25%Y5 5.2%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$10,000
Issue Age18–85

Best For

Conservative investors seeking principal protection with growth potential who can commit funds for 10 years and want access to annual withdrawals.

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%

A.M. BestA+
FitchA+
Moody'sA1
Standard & Poor'sA+

Strategies (15)

AI Powered Global Opportunities Index125% part
AI Powered Global Opportunities Index92% part
AI Powered US Equity Index135% part
AI Powered US Equity Index100% part
BNP Paribas Multi Asset Diversified 5 Index180% part

Surrender (10 yrs)

Y1 9%Y2 9%Y3 8%Y4 7%Y5 6%Y6 5%Y7 4%Y8 3%Y9 2%Y10 1%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age40–80

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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