Protective Guaranteed Income vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Protective Life Insurance Company

Protective Guaranteed Income

Market-linked growth with downside protection

Cap Rate

3.25%

Participation

55%

Fixed Rate

3%

Free W/D

10%

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

Strategies (3)

Citi Flexible Allocation 6 Index55% part
S&P 500 Index3.25% cap
Fixed Account3%

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 waiverUnemployment waiver
States50
Min Premium$25,000
Issue Age50–79

Best For

People seeking market-linked growth with downside protection who want guaranteed lifetime income later and need some flexibility to access their money during the accumulation phase.

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