Multi-Year Guaranteed Annuity
Athene MaxRate
Athene Annuity and Life Company · AM Best A+
7-year Guaranteed rate
5.4% guaranteed
CANNEX via AdvisorWorld · rates as of July 21, 2026
DB-backed product comparison
Athene MaxRate vs Expedition II
Decision-first comparison using dated product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
CANNEX-backed data via AdvisorWorld. Each available figure below carries its true source date.
View product page
VS
Multi-Year Guaranteed Annuity
Expedition II
Pacific Life Insurance Company · AM Best A+
7-year Guaranteed rate
4.95% guaranteed
CANNEX via AdvisorWorld · rates as of July 21, 2026
Auto-verdict
Athene MaxRate leads on guaranteed fixed rate; carrier strength and liquidity are tied. This compares available dated accumulation metrics and is not a personalized recommendation.
- On guaranteed fixed rate, Athene MaxRate has the higher figure (5.4% 7-year guaranteed rate vs 4.95% 7-year guaranteed rate); Expedition II is lower.
- On carrier strength, both show A+ AM Best.
- On liquidity, both show 10%/yr free withdrawal.
Auto-generated from the displayed dated data, accumulation metrics only, not a recommendation.
Dated side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Athene MaxRate | Expedition II |
|---|---|---|
| Guaranteed fixed rateDisplayed MYGA guaranteed rate and term. | 5.4% 7-year guaranteed rateLeading CANNEX via AdvisorWorld · rates as of July 21, 2026 | 4.95% 7-year guaranteed rate CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| AM Best ratingCarrier financial strength from the dated product/rating feed when available. | A+ AM BestTie CANNEX via AdvisorWorld · rates as of July 21, 2026 | A+ AM BestTie CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Free withdrawalAvailable dated annual free-withdrawal percentage for the product. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of July 21, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender periodTie CANNEX via AdvisorWorld · rates as of July 21, 2026 | 7 years surrender periodTie CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Annual feeHighest listed annual rider or strategy fee; lower is highlighted. | No annual fee listedTie CANNEX via AdvisorWorld · rates as of July 21, 2026 | No annual fee listedTie CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider listedTie CANNEX via AdvisorWorld · rates as of July 21, 2026 | No income rider listedTie CANNEX via AdvisorWorld · rates as of July 21, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | $100,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of July 21, 2026 | $100,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of July 21, 2026 |
Scenario tool
Which one shows more guaranteed growth?
Guaranteed-growth comparison
Applies each product's live guaranteed MYGA rate to the displayed term.
Athene MaxRate
5.4% guaranteed · 7-year term
Expedition II
4.95% guaranteed · 7-year term
On $100,000, the illustrated value at the displayed guaranteed term is:
Athene MaxRate$144,505
Expedition II$140,242
Athene MaxRate has the higher illustrated guaranteed value ($144,505 vs $140,242).
Illustrated interest: Athene MaxRate $44,505; Expedition II $40,242.
Assumptions: annual compounding at the current guaranteed rate for the displayed term. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.
Illustrative tool inputs use product figures from CANNEX via AdvisorWorld · rates as of July 21, 2026.
Common questions
Decision FAQs from the same numbers
Is Athene MaxRate or Expedition II better for growth?
On guaranteed fixed rate, Athene MaxRate has the higher figure (5.4% 7-year guaranteed rate vs 4.95% 7-year guaranteed rate); Expedition II is lower.
Is Athene MaxRate or Expedition II better for income?
On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Athene MaxRate or Expedition II better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, both show 7 years surrender period. On annual fee, both show No annual fee listed.
How to read this comparison
Compare the product job, not just one number.
Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Rate context
Guaranteed rate and term are the first screen, but premium bands and surrender design still matter.
Control
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.
The verdict is auto-generated from the available dated accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.
MYGA rates vary by state, premium band, guarantee term, and issue age. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the comparison as a starting point.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Want a personalized version?
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
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