Enhanced Choice Index Plus 5 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

The Standard

Enhanced Choice Index Plus 5

Flexible index-linked growth with downside protection

Cap Rate

11%

Participation

145%

Fixed Rate

3.75%

Free W/D

10%

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

Strategies (7)

BofA Global MegaTrends Index145% part
S&P 500 Daily Risk Control 5% Excess Return (USD) Index165% part
S&P 500 Dynamic Intraday TCA Index (USD) ER11% cap
S&P 500 ESG Daily Risk Control 5% Index (USD) ER165% part
S&P 500 Index11.5% cap

Surrender (5 yrs)

Y1 9.4%Y2 8.5%Y3 7.5%Y4 6.5%Y5 5.5%

Waivers

Nursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$15,000
Issue Age0–93

Best For

Investors aged 59½+ seeking growth tied to market performance who want downside protection and the flexibility to access their funds with predictable penalty schedules.

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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