Farmers Harvest vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Farmers Life Insurance Company

Farmers Harvest

Protected growth with market upside, tax deferral & lifetime income options

Cap Rate

11.75%

Participation

140%

Fixed Rate

3.75%

Free W/D

5%

A.M. BestB++

Strategies (5)

Bloomberg Global Momentum Diversified Leaders 5% ER Index140% part
NASDAQ-100 Volatility Control 7% Index90% part
S&P 500 Index11.75% cap
S&P U.S. Dividend Growers VA RC2 7.5% Index (USD) ER70% part
Fixed Account3.75%

Surrender (10 yrs)

Y1 9%Y2 8%Y3 7%Y4 6%Y5 5%Y6 4%Y7 3%Y8 2.5%Y9 1.5%Y10 0.9%

Waivers

RMD waiver
States27
Min Premium$10,000
Issue Age0–85

Best For

Individuals age 0-85 who are planning for retirement, want protection from market risk, desire tax-deferred growth, and may need guaranteed lifetime income while maintaining some liquidity access.

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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