Smart Start Accumulator Plus vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

American National Insurance Company

Smart Start Accumulator Plus

Smart Start Your Savings, Grow Protected

Cap Rate

6.5%

Participation

41%

Fixed Rate

2.85%

Free W/D

5%

A.M. BestA
FitchA
Standard & Poor'sA

Strategies (8)

Invesco QQQ Portfolio Plus Index41% part
Morningstar Global Wide Moat VC 7 Index64% part
Morningstar Wide Moat Focus Barclays VC 7% Index ER59% part
S&P 500 Dynamic Intraday TCA Index (USD) ER40% part
S&P 500 Index6.5% cap

Surrender (10 yrs)

Y1 9%Y2 8.1%Y3 7.2%Y4 6.4%Y5 5.5%Y6 4.6%Y7 3.7%Y8 2.7%Y9 1.8%Y10 0.9%

Waivers

Disability waiverNursing home waiverRMD waiverTerminal illness waiver
States50
Min Premium$5,000
Issue Age0–85

Best For

Investors who want market-linked growth potential with guaranteed principal protection, prefer a simple hands-off approach to portfolio allocation, and need flexible access to their funds.

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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