Aquila X vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

GCU Insurance

Aquila X

Growth potential + downside protection + guaranteed lifetime income

Participation

105%

Fixed Rate

4.25%

Free W/D

10%

A.M. BestA-

Strategies (7)

Barclays US Tech 12% Index105% part
Barclays US Tech 12% Index55% part
Barclays Zorya 5% Index130% part
Barclays Zorya 5% Index90% part
S&P 500 Dynamic Intraday TCA Index (USD) ER40% part

Surrender (10 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 6%Y7 3%Y8 2%Y9 1%Y10 0.5%

Waivers

Nursing home waiverTerminal illness waiver
States30
Min Premium$10,000
Issue Age0–90

Best For

Retirees or near-retirees who want market-linked growth but can't afford to lose principal, and who value guaranteed lifetime income—especially those age 60+ seeking peace of mind alongside growth potential.

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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