Income Creator vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Protective Life Insurance Company

Income Creator

Guaranteed Income for Life with Safe Growth

Free W/D

10%

A.M. BestA+
FitchAA-
Moody'sA1
Standard & Poor'sAA-

Surrender (7 yrs)

Y1 7%Y2 6%Y3 5%Y4 4%Y5 3%Y6 2%Y7 1%

Waivers

Nursing home waiverTerminal illness waiverUnemployment waiver
States50
Min Premium$25,000
Issue Age50–80

Best For

Retirees and pre-retirees aged 50-80 seeking guaranteed lifetime income, principal safety, and protection against market downturns and longevity risk.

Athene Annuity and Life Company

Athene Agility 10

Growth with principal protection for confident retirement

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 age 55+ approaching or in retirement who want growth potential but cannot tolerate losing principal to market declines, and who can commit funds for 1-5 years.

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