FGNY Index-Choice 10 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Fidelity and Guaranty

FGNY Index-Choice 10

Market-linked growth with downside protection & death benefit

Cap Rate

5.25%

Fixed Rate

3%

Free W/D

10%

A.M. BestA
FitchA-
Moody'sA3
Standard & Poor'sA-

Strategies (3)

S&P 500 Index5.25% cap
S&P 500 Index5.5% cap
Fixed Account3%

Surrender (10 yrs)

Y1 10%Y2 10%Y3 10%Y4 9%Y5 8%Y6 7%Y7 6%Y8 5%Y9 4%Y10 2%

Waivers

Nursing home waiverTerminal illness waiver
States1
Min Premium$10,000
Issue Age0–85

Best For

This product is best for people age 50+ seeking long-term retirement savings who want market-linked growth without stock market risk and value access to funds for health emergencies and a guaranteed death benefit for heirs.

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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