What is the minimum premium amount for Athene Agility?

The minimum premium amount is $10,000.

What is the maximum premium amount for Athene Agility?

The maximum premium amount is $1,000,000.

What is the issue age range for Athene Agility?

The issue age range is 0 to 80 years.

What is the company rating for Athene USA?

The company rating is A- by A.M. Best.

What are the best rates available for Athene Agility?

The best available performance strategy is S&P 500 - Participation 40.0% with 755681.88% final earnings.

Athene Agility - Athene USA

Simulation & Edit Mode

Active Product: Athene Agility

Backtesting Notice: All results use historical data (1926-2026) and do NOT guarantee future performance.

You can adjust:

Funding & Timeline: Premium, Ages

Demographics: Zip Code, Gender, Account Type

Athene Agility

Provider

Athene USA

About this product

Fixed Index Annuity product from Athene USA with various crediting strategies and optional riders.

Important Disclaimer

The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.

Portfolio Average Credit Rate

4.43%

Projection Years

30 Years

Account Balance

$365,351.43

Lifetime Income

$9,750.00

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	6

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	5.50%
Allocated Amount	$20,000 0.2%
Accumulated Credit Amount	$48,869
Accumulated Rider Fees	-$0
Final Account Value	$68,869
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$20,000	-4.91%	- Floor Protected	$20,000
2 (56)	$20,000	21.55%	+$1,100 5.50%	$21,100
3 (57)	$21,100	22.56%	+$1,161 5.50%	$22,261
4 (58)	$22,261	6.27%	+$1,224 5.50%	$23,485
5 (59)	$23,485	31.73%	+$1,292 5.50%	$24,776
6 (60)	$24,776	18.67%	+$1,363 5.50%	$26,139
7 (61)	$26,139	5.25%	+$1,372 5.25%	$27,512
8 (62)	$27,512	16.61%	+$1,513 5.50%	$29,025
9 (63)	$29,025	31.69%	+$1,596 5.50%	$30,621
10 (64)	$30,621	-3.10%	- Floor Protected	$30,621
11 (65)	$30,621	30.47%	+$1,684 5.50%	$32,305
12 (66)	$32,305	7.62%	+$1,777 5.50%	$34,082
13 (67)	$34,082	10.08%	+$1,875 5.50%	$35,956
14 (68)	$35,956	1.32%	+$475 1.32%	$36,431
15 (69)	$36,431	37.58%	+$2,004 5.50%	$38,435
16 (70)	$38,435	22.96%	+$2,114 5.50%	$40,549
17 (71)	$40,549	33.36%	+$2,230 5.50%	$42,779
18 (72)	$42,779	28.58%	+$2,353 5.50%	$45,132
19 (73)	$45,132	21.04%	+$2,482 5.50%	$47,614
20 (74)	$47,614	-9.10%	- Floor Protected	$47,614
21 (75)	$47,614	-11.89%	- Floor Protected	$47,614
22 (76)	$47,614	-22.10%	- Floor Protected	$47,614
23 (77)	$47,614	28.68%	+$2,619 5.50%	$50,233
24 (78)	$50,233	10.88%	+$2,763 5.50%	$52,996
25 (79)	$52,996	4.91%	+$2,602 4.91%	$55,598
26 (80)	$55,598	15.79%	+$3,058 5.50%	$58,655
27 (81)	$58,655	5.49%	+$3,220 5.49%	$61,876
28 (82)	$61,876	-37.00%	- Floor Protected	$61,876
29 (83)	$61,876	26.46%	+$3,403 5.50%	$65,279
30 (84)	$65,279	15.06%	+$3,590 5.50%	$68,869

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	40.00%
Allocated Amount	$20,000 0.2%
Accumulated Credit Amount	$93,331
Accumulated Rider Fees	-$0
Final Account Value	$113,331
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$20,000	-4.91%	- Floor Protected	$20,000
2 (56)	$20,000	21.55%	+$1,724 8.62%	$21,724
3 (57)	$21,724	22.56%	+$1,960 9.02%	$23,684
4 (58)	$23,684	6.27%	+$594 2.51%	$24,278
5 (59)	$24,278	31.73%	+$3,081 12.69%	$27,360
6 (60)	$27,360	18.67%	+$2,043 7.47%	$29,403
7 (61)	$29,403	5.25%	+$617 2.10%	$30,020
8 (62)	$30,020	16.61%	+$1,995 6.64%	$32,015
9 (63)	$32,015	31.69%	+$4,058 12.68%	$36,073
10 (64)	$36,073	-3.10%	- Floor Protected	$36,073
11 (65)	$36,073	30.47%	+$4,397 12.19%	$40,470
12 (66)	$40,470	7.62%	+$1,234 3.05%	$41,703
13 (67)	$41,703	10.08%	+$1,681 4.03%	$43,385
14 (68)	$43,385	1.32%	+$229 0.53%	$43,614
15 (69)	$43,614	37.58%	+$6,556 15.03%	$50,170
16 (70)	$50,170	22.96%	+$4,608 9.18%	$54,778
17 (71)	$54,778	33.36%	+$7,310 13.34%	$62,087
18 (72)	$62,087	28.58%	+$7,098 11.43%	$69,185
19 (73)	$69,185	21.04%	+$5,823 8.42%	$75,008
20 (74)	$75,008	-9.10%	- Floor Protected	$75,008
21 (75)	$75,008	-11.89%	- Floor Protected	$75,008
22 (76)	$75,008	-22.10%	- Floor Protected	$75,008
23 (77)	$75,008	28.68%	+$8,605 11.47%	$83,612
24 (78)	$83,612	10.88%	+$3,639 4.35%	$87,251
25 (79)	$87,251	4.91%	+$1,714 1.96%	$88,965
26 (80)	$88,965	15.79%	+$5,619 6.32%	$94,584
27 (81)	$94,584	5.49%	+$2,077 2.20%	$96,661
28 (82)	$96,661	-37.00%	- Floor Protected	$96,661
29 (83)	$96,661	26.46%	+$10,231 10.58%	$106,892
30 (84)	$106,892	15.06%	+$6,439 6.02%	$113,331

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	11.00%
Allocated Amount	$20,000 0.2%
Accumulated Credit Amount	$56,984
Accumulated Rider Fees	-$0
Final Account Value	$76,984
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$20,000	-4.91%	- Floor Protected 2Y P2P	$20,000
2 (56)	$20,000	21.55%	+$2,200 11.00% 2Y P2P	$22,200
3 (57)	$22,200	22.56%	- 2Y P2P	$22,200
4 (58)	$22,200	6.27%	+$2,442 11.00% 2Y P2P	$24,642
5 (59)	$24,642	31.73%	- 2Y P2P	$24,642
6 (60)	$24,642	18.67%	+$2,711 11.00% 2Y P2P	$27,353
7 (61)	$27,353	5.25%	- 2Y P2P	$27,353
8 (62)	$27,353	16.61%	+$3,009 11.00% 2Y P2P	$30,361
9 (63)	$30,361	31.69%	- 2Y P2P	$30,361
10 (64)	$30,361	-3.10%	+$3,340 11.00% Floor Protected 2Y P2P	$33,701
11 (65)	$33,701	30.47%	- 2Y P2P	$33,701
12 (66)	$33,701	7.62%	+$3,707 11.00% 2Y P2P	$37,408
13 (67)	$37,408	10.08%	- 2Y P2P	$37,408
14 (68)	$37,408	1.32%	+$4,115 11.00% 2Y P2P	$41,523
15 (69)	$41,523	37.58%	- 2Y P2P	$41,523
16 (70)	$41,523	22.96%	+$4,568 11.00% 2Y P2P	$46,091
17 (71)	$46,091	33.36%	- 2Y P2P	$46,091
18 (72)	$46,091	28.58%	+$5,070 11.00% 2Y P2P	$51,161
19 (73)	$51,161	21.04%	- 2Y P2P	$51,161
20 (74)	$51,161	-9.10%	+$5,129 10.03% Floor Protected 2Y P2P	$56,290
21 (75)	$56,290	-11.89%	- Floor Protected 2Y P2P	$56,290
22 (76)	$56,290	-22.10%	- Floor Protected 2Y P2P	$56,290
23 (77)	$56,290	28.68%	- 2Y P2P	$56,290
24 (78)	$56,290	10.88%	+$6,192 11.00% 2Y P2P	$62,482
25 (79)	$62,482	4.91%	- 2Y P2P	$62,482
26 (80)	$62,482	15.79%	+$6,873 11.00% 2Y P2P	$69,355
27 (81)	$69,355	5.49%	- 2Y P2P	$69,355
28 (82)	$69,355	-37.00%	- Floor Protected 2Y P2P	$69,355
29 (83)	$69,355	26.46%	- 2Y P2P	$69,355
30 (84)	$69,355	15.06%	+$7,629 11.00% 2Y P2P	$76,984

Index Fund	NASDAQ-100
Rate Strategy Type	Cap
Rate	4.50%
Allocated Amount	$20,000 0.2%
Accumulated Credit Amount	$54,906
Accumulated Rider Fees	-$0
Final Account Value	$74,906
Year-by-Year Breakdown

Year(Age)	Beginning Balance	NASDAQ-100Index Return	Interest Credit	Ending Balance
1 (55)	$20,000	5.00%	+$900 4.50%	$20,900
2 (56)	$20,900	5.00%	+$941 4.50%	$21,841
3 (57)	$21,841	5.00%	+$983 4.50%	$22,823
4 (58)	$22,823	5.00%	+$1,027 4.50%	$23,850
5 (59)	$23,850	5.00%	+$1,073 4.50%	$24,924
6 (60)	$24,924	5.00%	+$1,122 4.50%	$26,045
7 (61)	$26,045	5.00%	+$1,172 4.50%	$27,217
8 (62)	$27,217	5.00%	+$1,225 4.50%	$28,442
9 (63)	$28,442	5.00%	+$1,280 4.50%	$29,722
10 (64)	$29,722	5.00%	+$1,337 4.50%	$31,059
11 (65)	$31,059	5.00%	+$1,398 4.50%	$32,457
12 (66)	$32,457	5.00%	+$1,461 4.50%	$33,918
13 (67)	$33,918	5.00%	+$1,526 4.50%	$35,444
14 (68)	$35,444	5.00%	+$1,595 4.50%	$37,039
15 (69)	$37,039	5.00%	+$1,667 4.50%	$38,706
16 (70)	$38,706	5.00%	+$1,742 4.50%	$40,447
17 (71)	$40,447	5.00%	+$1,820 4.50%	$42,268
18 (72)	$42,268	5.00%	+$1,902 4.50%	$44,170
19 (73)	$44,170	5.00%	+$1,988 4.50%	$46,157
20 (74)	$46,157	5.00%	+$2,077 4.50%	$48,234
21 (75)	$48,234	5.00%	+$2,171 4.50%	$50,405
22 (76)	$50,405	5.00%	+$2,268 4.50%	$52,673
23 (77)	$52,673	5.00%	+$2,370 4.50%	$55,043
24 (78)	$55,043	5.00%	+$2,477 4.50%	$57,520
25 (79)	$57,520	5.00%	+$2,588 4.50%	$60,109
26 (80)	$60,109	5.00%	+$2,705 4.50%	$62,814
27 (81)	$62,814	5.00%	+$2,827 4.50%	$65,640
28 (82)	$65,640	5.00%	+$2,954 4.50%	$68,594
29 (83)	$68,594	5.00%	+$3,087 4.50%	$71,681
30 (84)	$71,681	5.00%	+$3,226 4.50%	$74,906

Index Fund	NASDAQ-100
Rate Strategy Type	Participation
Rate	30.00%
Allocated Amount	$20,000 0.2%
Accumulated Credit Amount	$11,262
Accumulated Rider Fees	-$0
Final Account Value	$31,262
Year-by-Year Breakdown

Year(Age)	Beginning Balance	NASDAQ-100Index Return	Interest Credit	Ending Balance
1 (55)	$20,000	5.00%	+$300 1.50%	$20,300
2 (56)	$20,300	5.00%	+$305 1.50%	$20,605
3 (57)	$20,605	5.00%	+$309 1.50%	$20,914
4 (58)	$20,914	5.00%	+$314 1.50%	$21,227
5 (59)	$21,227	5.00%	+$318 1.50%	$21,546
6 (60)	$21,546	5.00%	+$323 1.50%	$21,869
7 (61)	$21,869	5.00%	+$328 1.50%	$22,197
8 (62)	$22,197	5.00%	+$333 1.50%	$22,530
9 (63)	$22,530	5.00%	+$338 1.50%	$22,868
10 (64)	$22,868	5.00%	+$343 1.50%	$23,211
11 (65)	$23,211	5.00%	+$348 1.50%	$23,559
12 (66)	$23,559	5.00%	+$353 1.50%	$23,912
13 (67)	$23,912	5.00%	+$359 1.50%	$24,271
14 (68)	$24,271	5.00%	+$364 1.50%	$24,635
15 (69)	$24,635	5.00%	+$370 1.50%	$25,005
16 (70)	$25,005	5.00%	+$375 1.50%	$25,380
17 (71)	$25,380	5.00%	+$381 1.50%	$25,760
18 (72)	$25,760	5.00%	+$386 1.50%	$26,147
19 (73)	$26,147	5.00%	+$392 1.50%	$26,539
20 (74)	$26,539	5.00%	+$398 1.50%	$26,937
21 (75)	$26,937	5.00%	+$404 1.50%	$27,341
22 (76)	$27,341	5.00%	+$410 1.50%	$27,751
23 (77)	$27,751	5.00%	+$416 1.50%	$28,168
24 (78)	$28,168	5.00%	+$423 1.50%	$28,590
25 (79)	$28,590	5.00%	+$429 1.50%	$29,019
26 (80)	$29,019	5.00%	+$435 1.50%	$29,454
27 (81)	$29,454	5.00%	+$442 1.50%	$29,896
28 (82)	$29,896	5.00%	+$448 1.50%	$30,344
29 (83)	$30,344	5.00%	+$455 1.50%	$30,800
30 (84)	$30,800	5.00%	+$462 1.50%	$31,262

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	1.00%
Allocated Amount	$0 0.0%

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Nasdaq 100

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Total Ending Balance
1 (55)	$100,000	+$1,200 1.20%	$101,200
2 (56)	$101,200	+$6,269 6.19%	$107,469
3 (57)	$107,469	+$4,413 4.11%	$111,882
4 (58)	$111,882	+$5,601 5.01%	$117,483
5 (59)	$117,483	+$5,765 4.91%	$123,248
6 (60)	$123,248	+$7,561 6.14%	$130,809
7 (61)	$130,809	+$3,490 2.67%	$134,299
8 (62)	$134,299	+$8,074 6.01%	$142,373
9 (63)	$142,373	+$7,272 5.11%	$149,645
10 (64)	$149,645	+$5,020 3.35%	$154,666
11 (65)	$154,666	+$7,827 5.06%	$162,492
12 (66)	$162,492	+$8,531 5.25%	$171,024
13 (67)	$171,024	+$5,441 3.18%	$176,465
14 (68)	$176,465	+$6,778 3.84%	$183,242
15 (69)	$183,242	+$10,596 5.78%	$193,838
16 (70)	$193,838	+$13,406 6.92%	$207,244
17 (71)	$207,244	+$11,741 5.67%	$218,985
18 (72)	$218,985	+$16,809 7.68%	$235,794
19 (73)	$235,794	+$10,685 4.53%	$246,478
20 (74)	$246,478	+$7,604 3.09%	$254,083
21 (75)	$254,083	+$2,575 1.01%	$256,657
22 (76)	$256,657	+$2,678 1.04%	$259,336
23 (77)	$259,336	+$14,010 5.40%	$273,346
24 (78)	$273,346	+$15,493 5.67%	$288,839
25 (79)	$288,839	+$7,333 2.54%	$296,172
26 (80)	$296,172	+$18,690 6.31%	$314,862
27 (81)	$314,862	+$8,566 2.72%	$323,427
28 (82)	$323,427	+$3,402 1.05%	$326,830
29 (83)	$326,830	+$17,176 5.26%	$344,005
30 (84)	$344,005	+$21,346 6.21%	$365,351

Lifetime Income Summary

Locked Benefit Base	$150,000
Locked Accumulated Value	$365,351
Annual Withdrawal	$9,750
Total Withdrawals	$146,250
Final Account Value	$228,851

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Accumulated BB (Before Roll-up)	Interest Credit Rate	BB Roll-up Amount	Benefit Base	Lifetime Withdrawal Rate	Available Lifetime Withdrawal Amount	Accumulated Withdrawal Amount
31 Income Start	85	$365,351	$100,000	-	+$50,000 Initial Bonus: 50.00%	$150,000BB Created	6.50%	$9,750	$9,750
32Payout Year	86	$355,601	$150,000	3.98%	+$11,950 Credited Interest: $5,975 Roll-up Rate: 200% Roll-up: $5,975 × 200% = $11,950	$161,950Growing w/ Roll-up	-	$9,750	$19,500
33Payout Year	87	$345,851	$161,950	5.08%	+$16,441 Credited Interest: $8,221 Roll-up Rate: 200% Roll-up: $8,221 × 200% = $16,441	$178,391Growing w/ Roll-up	-	$9,750	$29,250
34Payout Year	88	$336,101	$178,391	3.83%	+$13,662 Credited Interest: $6,831 Roll-up Rate: 200% Roll-up: $6,831 × 200% = $13,662	$192,054Growing w/ Roll-up	-	$9,750	$39,000
35Payout Year	89	$326,351	$192,054	0.72%	+$2,760 Credited Interest: $1,380 Roll-up Rate: 200% Roll-up: $1,380 × 200% = $2,760	$194,814Growing w/ Roll-up	-	$9,750	$48,750
36Payout Year	90	$316,601	$194,814	3.71%	+$14,471 Credited Interest: $7,235 Roll-up Rate: 200% Roll-up: $7,235 × 200% = $14,471	$209,285Growing w/ Roll-up	-	$9,750	$58,500
37Payout Year	91	$306,851	$209,285	4.37%	+$18,300 Credited Interest: $9,150 Roll-up Rate: 200% Roll-up: $9,150 × 200% = $18,300	$227,585Growing w/ Roll-up	-	$9,750	$68,250
38Payout Year	92	$297,101	$227,585	0.17%	+$759 Credited Interest: $379 Roll-up Rate: 200% Roll-up: $379 × 200% = $759	$228,343Growing w/ Roll-up	-	$9,750	$78,000
39Payout Year	93	$287,351	$228,343	5.02%	+$22,907 Credited Interest: $11,454 Roll-up Rate: 200% Roll-up: $11,454 × 200% = $22,907	$251,251Growing w/ Roll-up	-	$9,750	$87,750
40Payout Year	94	$277,601	$251,251	4.14%	+$20,820 Credited Interest: $10,410 Roll-up Rate: 200% Roll-up: $10,410 × 200% = $20,820	$272,071Growing w/ Roll-up	-	$9,750	$97,500
41Payout Year	95	$267,851	$272,071	4.83%	+$26,286 Credited Interest: $13,143 Roll-up Rate: 200% Roll-up: $13,143 × 200% = $26,286	$298,357Growing w/ Roll-up	-	$9,750	$107,250
42Payout Year	96	$258,101	$298,357	0.17%	+$995 Credited Interest: $497 Roll-up Rate: 200% Roll-up: $497 × 200% = $995	$299,351Growing w/ Roll-up	-	$9,750	$117,000
43Payout Year	97	$248,351	$299,351	4.67%	+$27,955 Credited Interest: $13,978 Roll-up Rate: 200% Roll-up: $13,978 × 200% = $27,955	$327,307Growing w/ Roll-up	-	$9,750	$126,750
44Payout Year	98	$238,601	$327,307	4.58%	+$30,012 Credited Interest: $15,006 Roll-up Rate: 200% Roll-up: $15,006 × 200% = $30,012	$357,318Growing w/ Roll-up	-	$9,750	$136,500
45Payout Year	99	$228,851	$357,318	4.11%	+$29,362 Credited Interest: $14,681 Roll-up Rate: 200% Roll-up: $14,681 × 200% = $29,362	$386,680Growing w/ Roll-up	-	$9,750	$146,250