American Freedom Classic 3 - 2025 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

American Freedom Classic 3 - 2025

Fixed Annuity with 3-Year Rate Guarantee & Penalty-Free Withdrawals

Free W/D

10%

A.M. BestA++
Standard & Poor'sA+

Surrender (3 yrs)

Y1 8%Y2 8%Y3 7%

Waivers

Nursing home waiverTerminal illness waiver
States53
Min Premium$25,000
Issue Age0–90

Best For

Conservative investors age 0-90 seeking guaranteed growth, predictable retirement income, and protection of principal, particularly those with qualified retirement accounts or inherited IRAs.

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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