MarketEarly Income Index vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

EquiTrust Life Insurance Company

MarketEarly Income Index

Guaranteed lifetime income + indexed growth potential

Cap Rate

5%

Participation

120%

Fixed Rate

3%

Free W/D

10%

A.M. BestB++
FitchA-
Standard & Poor'sA-

Strategies (5)

Barclays Focus50 Index120% part
S&P 500 Dynamic Intraday TCA Index (USD) ER50% part
S&P 500 Index5% cap
S&P MARC 5% Excess Return130% part
Fixed Account3%

Surrender (10 yrs)

Y1 9%Y2 8%Y3 7%Y4 6.5%Y5 5.5%Y6 4.5%Y7 3.5%Y8 2.5%Y9 1.5%Y10 0.5%

Waivers

Nursing home waiverTerminal illness waiver
States50
Min Premium$10,000
Issue Age45–80

Best For

Individuals aged 45-80 who want guaranteed lifetime income starting in their 50s, can commit funds for 10 years, and value flexibility to access money when needed while protecting against running out of income in retirement.

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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