Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Athene Agility 10

Athene Annuity and Life Company

Get my rate report

5.25%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: July 17, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Athene Agility 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$235,308
Est. value at age 80 (Athene Agility 10)
5.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.75% Cap (2-yr point-to-point)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene Agility 10's published cap rate (10.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

Free Comparison Report

Get an Athene Agility 10 rate report

See how Athene Agility 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

Get my rate report

Live rate data

Run live numbers for Athene Agility 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Athene Annuity and Life Company product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

S&P 500 cap rate (built-in income chassis)

5.25% cap on S&P 500

A long-surrender, A+ rated fixed indexed annuity marketed for built-in lifetime income, built around a recognizable S&P 500 cap plus a broad menu of proprietary participation-rate strategies — the built-in income mechanism is structural to the contract and not shown as a separately rated rider in the data on this page.

Built-in income — no rider fee1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers committing to a ten-year deferral who want recognizable S&P 500 cap exposure alongside a wide menu of proprietary participation-rate strategies from a large A+ rated carrier, and who plan to evaluate the built-in income story through Athene's own illustration of the Income Base rather than a rider rate on this page.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.25% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

10.75% cap rate

Cap strategy

2-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.9% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 12 additional crediting options (BNP Paribas, Nasdaq FC, AI Powered...)

Lifetime Income Riders

Income rider

Income Benefit Rider

Lifetime payout rate4% lifetime payout
Annual rider fee0% annual rider fee
Interest multiplier2x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so a buyer gets at least one like-for-like comparison point against other FIAs on this site rather than only proprietary participation-rate strategies.
  • Index lineup is broad: an S&P 500 cap, an S&P 500 decrement-index participation strategy, the BNP Paribas Multi Asset Diversified 5 Index, the Nasdaq FC Index, the AI Powered US Equity Index, the AI Powered Global Opportunities Index, and the UBS Innovative Balanced Index all appear on this contract — a buyer has multiple volatility-controlled options to evaluate against the S&P cap.
  • Both a 1-year and a 2-year point-to-point option are offered on most indexes, so a buyer can mix annual crediting with a longer crediting term inside one allocation.
  • Athene Annuity and Life Company is A+ rated by A.M. Best, Fitch, and Standard & Poor's, with an A1 from Moody's — the carrier-strength view on this page is from four recognized agencies.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the market-value-adjustment flag, the nursing-home waiver, and the terminal-illness waiver are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This product is marketed by Athene as a built-in-income contract, but no optional income rider with a published lifetime withdrawal rate is shown in the rate feed. The built-in income mechanism — the Income Base, any premium bonus, and any income multiplier — is structural to the contract and is not shown in the data on this page. Do not infer a lifetime payout rate from anything visible here; confirm the income benefit numbers directly with Athene's illustration before comparing to a rider-led product.
  • Most of the index options are proprietary volatility-controlled excess-shows indexes. Their participation rates can look high in absolute terms — several are above one-to-one parity — but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself; evaluate each on its own merits.
  • The 2-year point-to-point S&P 500 cap is higher than the 1-year cap, but the spec headlines the annual cap because a 2-year cap is a multi-year crediting term and is not directly comparable to single-year caps used on competing contracts. Read the calculation-frequency column on the strategy table before comparing any 2-year number to a 1-year cap elsewhere.
  • Surrender lockup runs ten years (9/9/8/7/6/5/4/3/2/1) with a market-value adjustment on amounts above the free-withdrawal allowance. This is a long-deferral commitment with interest-rate sensitivity on early exits — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • The standard death benefit on this contract pays cash surrender value, not account value or a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a published GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity, or require an account-value-based death benefit — none of those are what this contract is built to deliver, and the Agility name should not be read as a guaranteed-payout-rate promise without confirming the Income Base numbers with the carrier.

Free Comparison Report

Get an Athene Agility 10 rate report

See how Athene Agility 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (16 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 130% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

AI Powered US Equity Index

participation

10-yr surrenderDoes not vary by premium

Par: 92% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderDoes not vary by premium

Par: 92% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrenderDoes not vary by premium

Par: 77% · 1-yr

Nasdaq FC Index

participation

10-yr surrenderDoes not vary by premium

Par: 57% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrenderDoes not vary by premium

Cap: 5.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 2.9% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderDoes not vary by premium

Par: 135% · 2-yr

AI Powered US Equity Index

participation

10-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrenderDoes not vary by premium

Par: 120% · 2-yr

Nasdaq FC Index

participation

10-yr surrenderDoes not vary by premium

Par: 78% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrenderDoes not vary by premium

Cap: 10.75% · 2-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 2.9% · 1-yr

Fixed Account

Fixed account

Does not vary by premium

Income riders

Income rider

Income Benefit Rider

Lifetime withdrawal rate4%
Annual rider fee0%
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Linked review

Athene Agility 10 review notes

Discover the features, rates, and riders of Athene Agility Fixed Indexed Annuity. Learn how it can benefit retirees and those approaching retirement.

4.5/5Read review
Nikhil Bhauwala

Common questions about Athene Agility 10

● Can I lose money in Athene Agility 10?

A negative index return by itself does not reduce the contract's account value: Athene Agility 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Income Benefit Rider income rider worth the 0% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Athene Agility 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene Agility 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Death Benefit - CV

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene-Agility-Consumer-Brochure.pdf

Confidence: highReviewed Apr 2, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Athene Agility 10 currently shows 15 distinct indexed or fixed crediting choices across 16 displayed rate entries, including S&P 500 Index and Fixed Account, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.25% annual cap
  • S&P 500 Index: 10.75% 2-year cap
  • Fixed Account: 2.9% fixed account rate

Income rider language

What to look for before treating the rider as income

Income Benefit Rider is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4% withdrawal rate
  • 0% rider fee
  • 10 deferral years

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Athene-Agility-Consumer-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get an Athene Agility 10 rate report

See how Athene Agility 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

Get my rate report

Related Resources