Index Protector 4 vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

MassMutual Ascend Life Insurance Company

Index Protector 4

Index-linked growth with principal protection

Cap Rate

10%

Participation

70%

Fixed Rate

4.65%

Free W/D

10%

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

Strategies (6)

iShares MSCI EAFE ETF10% cap
iShares US Real Estate ETF12.5% cap
S&P 500 Average Daily Risk Control Price Return Index70% part
S&P 500 Index8% cap
S&P U.S. Retiree Spending Total Return Index75% part

Surrender (4 yrs)

Y1 5.6%Y2 5.6%Y3 5.6%Y4 5.6%

Waivers

Nursing home waiverTerminal illness waiver
States49
Min Premium$50,000
Issue Age0–90

Best For

Investors age 0-90 seeking tax-deferred growth with principal protection who want indexed returns and flexibility in retirement income planning.

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.

Want the full picture?

Get a personalized comparison report with year-by-year projections for both products based on your age, premium, and goals.

Build My Comparison Report

More Comparisons

All FIA RatesAll MYGA RatesCompare ToolFree Report