DB-backed product comparison

ClearFlex vs Athene Agility 10

Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.

Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.

Fixed Indexed Annuity

ClearFlex

Clear Spring Life and Annuity Company · AM Best A-

4.5/5

S&P 500 annual cap

10%

CANNEX via AdvisorWorld · as of June 23, 2026

View product page

Fixed Indexed Annuity

Athene Agility 10

Athene Annuity and Life Company · AM Best A+

4.5/5

S&P 500 annual cap

5.25%

CANNEX via AdvisorWorld · as of June 23, 2026

View product page

Auto-verdict

ClearFlex leads on top annual cap, participation rate, fixed account rate; Athene Agility 10 leads on carrier strength, income rider availability; liquidity and surrender period are tied. This compares current accumulation metrics and is not a personalized recommendation.

On top annual cap, ClearFlex has the higher figure (10% cap · S&P 500 · 1-yr point-to-point vs 5.25% cap · S&P 500 · 1-yr point-to-point); Athene Agility 10 is lower.
On participation rate, ClearFlex has the higher figure (180% participation · S&P MARC 5% Excess Return · annual vs 130% participation · BNP Paribas Multi Asset Diversified 5 Index · annual); Athene Agility 10 is lower.
On fixed account rate, ClearFlex has the higher figure (4.6% fixed account vs 2.9% fixed account); Athene Agility 10 is lower.
On carrier strength, Athene Agility 10 has the higher figure (A+ AM Best vs A- AM Best); ClearFlex is lower.
On income rider availability, Athene Agility 10 has rider data returned (1 income rider returned vs No income rider returned).
On liquidity, both show 10%/yr free withdrawal.
On surrender period, both show 10 years surrender period.

Auto-generated from live data, accumulation metrics only, not a recommendation.

Live side by side

Compare on the numbers

Only metrics that apply to this product type are shown. Missing applicable values show unavailable.

Metric	ClearFlex	Athene Agility 10
Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it.	10% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 23, 2026	5.25% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · as of June 23, 2026
Top participation rateAnnual participation strategy; not ranked against cap rates.	180% participation · S&P MARC 5% Excess Return · annualLeading CANNEX via AdvisorWorld · as of June 23, 2026	130% participation · BNP Paribas Multi Asset Diversified 5 Index · annual CANNEX via AdvisorWorld · as of June 23, 2026
Performance triggerAnnual trigger strategy returned by the live FIA strategy feed.	unavailable CANNEX via AdvisorWorld · as of June 23, 2026	unavailable CANNEX via AdvisorWorld · as of June 23, 2026
Fixed account rateFixed account strategy when returned by the live feed.	4.6% fixed accountLeading CANNEX via AdvisorWorld · as of June 23, 2026	2.9% fixed account CANNEX via AdvisorWorld · as of June 23, 2026
AM Best ratingCarrier financial strength from the live product/rating feed when available.	A- AM Best CANNEX via AdvisorWorld · as of June 23, 2026	A+ AM BestLeading CANNEX via AdvisorWorld · as of June 23, 2026
Free withdrawalAnnual free-withdrawal percentage returned in product detail.	10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 23, 2026	10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 23, 2026
Surrender periodShorter surrender period is highlighted as more flexible.	10 years surrender periodTie CANNEX via AdvisorWorld · as of June 23, 2026	10 years surrender periodTie CANNEX via AdvisorWorld · as of June 23, 2026
Annual feeHighest annual rider or strategy fee returned; lower is highlighted.	No annual fee returnedTie CANNEX via AdvisorWorld · as of June 23, 2026	No annual fee returnedTie CANNEX via AdvisorWorld · as of June 23, 2026
Income riderAvailability only; rider fit depends on payout, cost, and goals.	No income rider returned CANNEX via AdvisorWorld · as of June 23, 2026	1 income rider returnedLeading CANNEX via AdvisorWorld · as of June 23, 2026
Minimum premiumLower minimum premium is highlighted as easier to access.	unavailable CANNEX via AdvisorWorld · as of June 23, 2026	unavailable CANNEX via AdvisorWorld · as of June 23, 2026

Scenario tool

Which one credits more in one index year?

Head-to-head crediting

Applies each product's live annual strategy rate to one hypothetical index year.

Illustrative, not a projection

Hypothetical index return+15%

ClearFlex

S&P 500 annual cap · 10% annual cap

Athene Agility 10

S&P 500 annual cap · 5.25% annual cap

At a +15% index year, the credited-interest illustration is:

ClearFlex10%

Athene Agility 105.25%

ClearFlex credits more here (10% vs 5.25%).

Assumptions: one hypothetical index year, one allocation to the displayed annual strategy for each product, and a 0% floor. Caps, trigger rates, participation rates, renewal rates, allocations, and state availability can change. This is educational only and is not a carrier-approved illustration.

Illustrative tool inputs use live product figures from CANNEX via AdvisorWorld · as of June 23, 2026.

Review-backed context

What the reviews say about each product

Linked review

ClearFlex

4.5/5

“Explore the Clear Spring ClearFlex Fixed Indexed Annuity, offering tax-deferred growth, principal protection, and flexible withdrawal options.”

Attributed to Nikhil Bhauwala.

Read the full review

Linked review

Athene Agility 10

4.5/5

“Discover the features, rates, and riders of Athene Agility Fixed Indexed Annuity. Learn how it can benefit retirees and those approaching retirement.”

Attributed to Nikhil Bhauwala.

Read the full review

Common questions

Decision FAQs from the same numbers

Is ClearFlex or Athene Agility 10 better for growth?

On top annual cap, ClearFlex has the higher figure (10% cap · S&P 500 · 1-yr point-to-point vs 5.25% cap · S&P 500 · 1-yr point-to-point); Athene Agility 10 is lower. On participation rate, ClearFlex has the higher figure (180% participation · S&P MARC 5% Excess Return · annual vs 130% participation · BNP Paribas Multi Asset Diversified 5 Index · annual); Athene Agility 10 is lower. On fixed account rate, ClearFlex has the higher figure (4.6% fixed account vs 2.9% fixed account); Athene Agility 10 is lower.

Is ClearFlex or Athene Agility 10 better for income?

On income rider availability, Athene Agility 10 has rider data returned (1 income rider returned vs No income rider returned). Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.

Is ClearFlex or Athene Agility 10 better for liquidity?

On liquidity, both show 10%/yr free withdrawal. On surrender period, both show 10 years surrender period. On annual fee, both show No annual fee returned.

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

Caps, participation rates, triggers, and fixed buckets show how each FIA creates accumulation potential.

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

Live product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Product-type-specific rows are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.

The verdict is auto-generated from live 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.

Rates vary by state, premium band, and issue age. Caps and participation rates can change. 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.

All FIA rates Income comparison

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