Fixed Indexed Annuity
Capital Income
Midland National Life Insurance Company · AM Best A+
S&P 500 annual cap
6%
CANNEX via AdvisorWorld · as of June 23, 2026
DB-backed product comparison
Capital Income vs Athene Agility 10
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
View product page
VS
Fixed Indexed Annuity
Athene Agility 10
Athene Annuity and Life Company · AM Best A+
4.5/5
S&P 500 annual cap
5.25%
CANNEX via AdvisorWorld · as of June 23, 2026
Auto-verdict
Capital Income leads on top annual cap, participation rate, fixed account rate; Athene Agility 10 leads on annual fee; carrier strength and liquidity are tied. This compares current accumulation metrics and is not a personalized recommendation.
- On top annual cap, Capital Income has the higher figure (6% cap · S&P 500 · 1-yr point-to-point vs 5.25% cap · S&P 500 · 1-yr point-to-point); Athene Agility 10 is lower.
- On participation rate, Capital Income has the higher figure (140% participation · Fidelity Multifactor Yield Index 5% ER · annual vs 130% participation · BNP Paribas Multi Asset Diversified 5 Index · annual); Athene Agility 10 is lower.
- On fixed account rate, Capital Income has the higher figure (3.25% fixed account vs 2.9% fixed account); Athene Agility 10 is lower.
- On annual fee, Athene Agility 10 has the lower figure (No annual fee returned vs 1% max annual rider/strategy fee); Capital Income is higher.
- On carrier strength, both show A+ AM Best.
- On liquidity, both show 10%/yr free withdrawal.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Capital Income | Athene Agility 10 |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 6% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 23, 2026 | 5.25% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · as of June 23, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 140% participation · Fidelity Multifactor Yield Index 5% ER · annualLeading CANNEX via AdvisorWorld · as of June 23, 2026 | 130% participation · BNP Paribas Multi Asset Diversified 5 Index · annual CANNEX via AdvisorWorld · as of June 23, 2026 |
| Performance triggerAnnual trigger strategy returned by the live FIA strategy feed. | unavailable CANNEX via AdvisorWorld · as of June 23, 2026 | unavailable CANNEX via AdvisorWorld · as of June 23, 2026 |
| Fixed account rateFixed account strategy when returned by the live feed. | 3.25% fixed accountLeading CANNEX via AdvisorWorld · as of June 23, 2026 | 2.9% fixed account CANNEX via AdvisorWorld · as of June 23, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | A+ AM BestTie CANNEX via AdvisorWorld · as of June 23, 2026 | A+ AM BestTie CANNEX via AdvisorWorld · as of June 23, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 23, 2026 | 10%/yr free withdrawalTie CANNEX via AdvisorWorld · as of June 23, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 7 years surrender periodLeading CANNEX via AdvisorWorld · as of June 23, 2026 | 10 years surrender period CANNEX via AdvisorWorld · as of June 23, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | 1% max annual rider/strategy fee CANNEX via AdvisorWorld · as of June 23, 2026 | No annual fee returnedLeading CANNEX via AdvisorWorld · as of June 23, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | 2 income riders returnedTie CANNEX via AdvisorWorld · as of June 23, 2026 | 1 income rider returnedTie CANNEX via AdvisorWorld · as of June 23, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | unavailable CANNEX via AdvisorWorld · as of June 23, 2026 | unavailable CANNEX via AdvisorWorld · as of June 23, 2026 |
Scenario tool
Which one credits more in one index year?
Head-to-head crediting
Applies each product's live annual strategy rate to one hypothetical index year.
Capital Income
S&P 500 Dynamic Intraday TCA Index (USD) ER annual cap · 9% annual cap
Athene Agility 10
S&P 500 annual cap · 5.25% annual cap
At a +15% index year, the credited-interest illustration is:
Capital Income9%
Athene Agility 105.25%
Capital Income credits more here (9% vs 5.25%).
Assumptions: one hypothetical index year, one allocation to the displayed annual strategy for each product, and a 0% floor. Caps, trigger rates, participation rates, renewal rates, allocations, and state availability can change. This is educational only and is not a carrier-approved illustration.
Illustrative tool inputs use live product figures from CANNEX via AdvisorWorld · as of June 23, 2026.
Review-backed context
What the reviews say about each product
Linked review
Athene Agility 10
4.5/5
“Discover the features, rates, and riders of Athene Agility Fixed Indexed Annuity. Learn how it can benefit retirees and those approaching retirement.”
Attributed to Nikhil Bhauwala.
Read the full reviewCommon questions
Decision FAQs from the same numbers
Is Capital Income or Athene Agility 10 better for growth?
On top annual cap, Capital Income has the higher figure (6% cap · S&P 500 · 1-yr point-to-point vs 5.25% cap · S&P 500 · 1-yr point-to-point); Athene Agility 10 is lower. On participation rate, Capital Income has the higher figure (140% participation · Fidelity Multifactor Yield Index 5% ER · annual vs 130% participation · BNP Paribas Multi Asset Diversified 5 Index · annual); Athene Agility 10 is lower. On fixed account rate, Capital Income has the higher figure (3.25% fixed account vs 2.9% fixed account); Athene Agility 10 is lower.
Is Capital Income or Athene Agility 10 better for income?
On income rider availability, both show 2 income riders returned. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Capital Income or Athene Agility 10 better for liquidity?
On liquidity, both show 10%/yr free withdrawal. On surrender period, Capital Income has the lower figure (7 years surrender period vs 10 years surrender period); Athene Agility 10 is higher. On annual fee, Athene Agility 10 has the lower figure (No annual fee returned vs 1% max annual rider/strategy fee); Capital Income is higher.
How to read this comparison
Compare the product job, not just one number.
Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Rate context
Caps, participation rates, triggers, and fixed buckets show how each FIA creates accumulation potential.
Control
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Live product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Product-type-specific rows are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.
Rates vary by state, premium band, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the comparison as a starting point.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Want a personalized version?
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
Optional report request