Sage Accumulator vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Sagicor Life Insurance Company

Sage Accumulator

Protected growth linked to market indexes—no losses guaranteed

Cap Rate

10%

Participation

52%

Fixed Rate

4.5%

Free W/D

10%

A.M. BestA-

Strategies (5)

iShares ESG Aware MSCI USA ETF52% part
iShares MSCI EAFE ETF58.5% part
iShares MSCI Emerging Markets ETF53% part
S&P 500 Index10% cap
Fixed Account4.5%

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 waiverRMD waiverTerminal illness waiver
States45
Min Premium$25,000
Issue Age090

Best For

Retirees and near-retirees who want to grow their savings with market-linked returns while guaranteeing they won't lose principal, and who plan to hold the annuity for at least 5-10 years.

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 Age4080

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