Summit Laddered vs Athene Agility 10

Side-by-side comparison with live CANNEX rate data

Midland National Life Insurance Company

Summit Laddered

Automatic laddered allocations. No rebalancing needed.

Participation

90%

Fixed Rate

4.1%

Free W/D

10%

A.M. BestA+
FitchA+
Standard & Poor'sA+

Strategies (14)

Nasdaq-100 Volatility Control 12% Index90% part
Nasdaq-100 Volatility Control 12% Index115% part
Nasdaq-100 Volatility Control 12% Index140% part
Nasdaq-100 Volatility Control 12% Index70% part
S&P 500 Dynamic Intraday TCA Index (USD) ER80% part

Surrender (7 yrs)

Y1 8%Y2 7%Y3 6%Y4 5%Y5 4%Y6 3%Y7 2%

Waivers

Nursing home waiverRMD waiver
States48
Min Premium$20,000
Issue Age0–85

Best For

Clients seeking market downside protection with growth potential who want to avoid ongoing reallocation decisions and prefer a streamlined, automatically managed approach to retirement planning.

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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