Lincoln FlexAdvantage vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Lincoln Financial

Lincoln FlexAdvantage

Protected Growth. Index-Linked Upside. Zero Downside Risk.

Cap Rate

8.75%

Participation

150%

Fixed Rate

3.95%

Free W/D

10%

A.M. BestA
FitchA+
Moody'sA2
Standard & Poor'sA+

Strategies (7)

S&P 500 Daily Risk Control 10% USD Excess Return Index150% part
S&P 500 Daily Risk Control 10% USD Excess Return Index160% part
S&P 500 Daily Risk Control 10% USD Excess Return Index100% part
S&P 500 Index75% part
S&P 500 Index65% part

Surrender (7 yrs)

Y1 9.25%Y2 8.25%Y3 7.25%Y4 6.25%Y5 5.2%Y6 4.2%Y7 3.15%

Waivers

Nursing home waiverTerminal illness waiver
States52
Min Premium$10,000
Issue Age0–85

Best For

Retirees and near-retirees with sufficient liquid assets for emergencies who want to protect their principal from market losses while maintaining growth potential and the flexibility to access funds as needed.

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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