This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & Life Assurance Company, Athene Annuity & Life Assurance Company of New York, or Athene Securities, LLC. 4This benefit is NOT long-term care insurance nor is it asubstitutetherefore. . Enhanced Death BenefitThe Benefit Base is paid out in equal payments over the currently declared Death Benefit Payout Period. This companys life insurance offices are based out of Delaware, Iowa, and New York. For example, in addition to knowing that it can be costly to change your mind, you should also consider why you may be choosing one fixed indexed annuity over a long list of other products that may also suit your particular financial needs. Nothing on this website is a recommendation to buy or sell an annuity. Athene: Agility 10, Ascend Pro 10, & Performance Elite; Lincoln: OptiBlend Series; Global Atlantic: Choice Accumulation; SPIA. Her goal. Insurance products may not be available in all states. If you are considering this annuity for yourself, we would be happy to help you understand this product better and get into all of its details. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. Please feel free to contact us directly, toll-free, at (888) 440-2468 to chat with one of our annuity specialists or visit http://annuitygator.com/contact/, We look forward to hearing from you. Ill wrap up my Athene Agility 10 review with some final thoughts. Athene Agility GEN (09/15) NB, Income and Death Benefit Rider IR (06/18) and Enhanced Income Benefit Endorsement EIBR (06/18) or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. 3.25%. Below are the tables from a $100K Athene Agility 10 Illustration placing $50,000 of premium into each of these 2 crediting options: The annuity was purchased at age 55 and income payments are deferred for 10 years; the number is for single lifetime income payments. Products not available in all states. With all of the media hype today which includes countless numbers of financial gurus telling you what to do it can be difficult at best to cut through all of the clutter. This is where the Annuity Gator comes in. This annuity would not be a good fit if you planned to start the lifetime income before 10 years. This means there are two separate values; an account value and a protected income value. For additional information on how to compare fixed annuities so that you can decide which may be the best one for you, click here in order to obtain our free annuity report. You can find these reviews in our massive online annuity review database that is located on our website. Best. Prior to committing to the purchase of any type of insurance and/or investment vehicle, it is critical that you do your own due diligence, and that you also talk with a properly licensed professional if you have any questions that relate to your specific situation. Due to our experience and longevity in this area, we have become quite good at what we do, and weve actually come to be known as a highly trusted source of annuity information on the Internet. This 10 year fixed index annuity comes with many features built-in for free; however, as great as it is it isnt for everyone. This, however, isnt really all that uncommon, as there are many different annuities, and there many different thoughts about them. By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale. Athene Performance Elite 7. If you have been in the process of reviewing annuities online, it is possible that you have come across some vastly conflicting information about these products. This is an independent Athene Agility 10 review, not a recommendation or solicitation to buy or sell an annuity. Allianz 222 Fixed Index Annuity Request Info. No product companies have endorsed the reviews on this site, nor is AnnuityGator.com compensated for reviews. The best annuity for you will be determined by your individual goals and objectives, but generally speaking, Allianz, Athene, and AIG are the best fixed index annuity companies. So, be sure to check back soon and regularly to see all of our new and updated annuity reviews. Athene describes the Agility 7 annuityas a fixed indexed annuity for income with agility.. Athene is driven to deliver innovative fixed and fixed indexed annuities that help you win your market. I did notice a possible error. I appreciate the annuity review for the Athene Agility 7 FIA. 2Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Another nice aspect is that your 10% no-charge withdrawals can be derived from the initial premium or the account value, whereas with the Allianz 222 Annuity it's only the former. Download: Athene Agility 10 Rates & Product Guide. This is an independent annuity product review. Two-Year Point to Point. (175% versus 150% with Allianz) this can make a very big difference when calculating the lifetime income. In this annuity review, we will be discussing the following details on the Athene Agility 7-year fixed indexed annuity: Annuities can be complex. This 10 year, MLSB Index Merrill Lynch Strategic Balanced Index, BNPIMAD5 Index: A Multi Asset Diversified Index by BNP Paribas, State Guaranty Association Coverage Limits by State. Yet at the same time, historically low interest rates in the U.S. over the past ten years or so have not provided investors anywhere near the returns they need in order to beat or even meet future inflation. We make the complex, simple. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. While the Agility annuity is often compared with the Allianz 222 fixed indexed annuity, there are several areas where the Athene product comes out on top. AIG (now Corebridge Financial) Total fixed index annuity sales were $79.4 billion in 2022, up 25% from 2021, and 8% higher than the record set in 2019. His mission is to help change the way annuities are bought and sold. We are not looking for income just safe growth-, Hi Robert Thank you for your comment. The information presented here is not intended to be a recommendation to purchase a fixed annuity, fixed index annuity, immediate annuity, longevity annuity, Qualified Longevity Annuity Contract, long-term care annuity, or any other investment or insurance product. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Hi Craig- Thank you for your message. Jackson National Perspective II Lifeguard Freedom Flex, Independent Review of the Athene Agility 10 Annuity Pros and Cons Explained | Updated April 2020, Athene Balanced Choice Annuity (BCA) Elevate Fixed Indexed Annuity, Athene Ascent 10 Bonus Fixed Index Annuity, Athene Income Select Bonus Fixed Index Annuity, Athene Ascent 10 Bonus 2.0 Fixed Indexed Annuity with Ascent Income Rider Option 1, Athene MaxRate 7 Multi-Year Guarantee Annuity, Athene Ascent Accumulator 10 Fixed Indexed Annuity, Independent Review of the Athene Amplify 2.0 Annuity, Independent Review of the Athene AI Powered US Equity Index, Independent Review of the Athene Nasdaq FC Index, Independent Review of the Athene Balanced Choice Level 10 Annuity, Independent Review of the Athene Ascent Accumulator 10 Fixed Indexed Annuity, Indexed interest crediting strategies that are exclusive to Athene, A 20% initial bonus boost to the rider Benefit Base, A 175% market leading stacked growth to the Benefit Base, Safety of your principal regardless of what occurs in the market, Want penalty-free access to most or all of your money within the first Ten full years of purchasing the annuity, Do not intend to use the lifetime income feature of the annuity, Want to start receiving income within the first ten years of owning the annuity. Benefit Base cannot be taken in a lump sum. But, before you run out and commit to this annuity or to any annuity it is highly recommended that you first attain a good understanding of how the annuity works, and how it may (or may not) work for you. This annuity would not be a good fit if you planned to start the lifetime income before 7 years. If this is the case, there are better alternative annuities. For complete information about the cookies we use, data we collect and how we process them, please check our. Guarantees are subject to the claims-paying ability of the insurer. It could also be that you have recently attended an annuity seminar where, in return for a free meal, the presenter had your attention while he or she described the Athene Agility 10 Year fixed indexed annuity. Actual values may be higher or lower than the values shown. Alternatively, this annuity may not be an ideal fit for you if you: In order to truly get an idea of whether or not a fixed indexed annuity such as the Agility 10-year annuity from Athene is right for you, click here so that you can access our free annuity buyers report. Just check with us. Sometimes it can really help to see first hand how a financial product has been or has not been working out for other investors. In this Athene Agility 10 Review we will cover: Athene Annuity and Life Insurance Company is a strong insurance company with an A Rating from AM Best; they are also a major player in the U.S. annuity market. Over the past few years, Athene has received a number of customer complaints through the Better Business Bureau (BBB). This shows that the company . In addition to possible surrender charges, there can also be some other fees involved if you own the Athene Agility fixed indexed annuity. Here's one way to help prepare for life's "what-ifs". Annuity Gator. If this is your first visit to our website, we would like to formally welcome you to Annuity Gator. With that in mind, a financial advisor is likely to focus on this best of all worlds scenario when presenting this product to you. Should that read, .the income increases are locked in, so that CANT be lost? So, if you felt that this annuity review was helpful, then please feel free to pass it along and share it with anyone else who you think might also benefit from it. Rather than sending sensitive personal and financial details back and forth via email, though, it would be best to discuss via phone. Required fields are marked *. These annuities allow customers to tie their assets to a market index available through Athene. And, if you have any additional questions, please contact us directly via phone, toll-free, at (888) 440-2468. In fact, this product is quite strong in several areas that are extremely important to both retirees, as well as those who are preparing for retirement, such as: For instance, with this product, your income could increase each year, depending on the index strategies that you chose. What are other similar annuities to this one? My Annuity Store, Inc. is a licensed fixed annuity producer and does not advise clientson the purchase of non-fixed annuity products. Not all reinsurance products or structures offered are available in all jurisdictions. All transactions are subject to meeting a reinsurers underwriting requirements. Insurance companies often issue contracts that are state-specific. If the insured has any objections to any of the terms and conditions, s/he has the option to Please see the Certificate of Disclosure for moreinformation. It also offers a built-in death benefit rider at no additional charge. This is where the Annuity Gator comes in! Annuity Gator, For instance, with this product, your income could increase each year, depending on the index strategies that you chose. This includes the good, the bad, and yes, even the ugly. Annuity; Retirement; Videos Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. We also use content and scripts from third parties that may use tracking technologies. Athene has acknowledged this and made the corrections with the third-party subcontractor so that this would not be an issue going forward. Index annuities are fixed annuities and generate fixed income type of returns. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. Annuity Gator, We are looking for a place to park $400k for 7-10 years. What annuity ? Yet at the same time, historically low interest rates in the U.S. over the past ten years or so have not provided investors anywhere near the returns they need in order to beat or even meet future inflation. However, there are a few areas to keep in mind that could cost you, if youre not careful. During the annuitys accumulation period (prior to converting over to an income stream), the Agility 7 offers an initial 20% bonus that can help to boost the income riders benefit base. Because of that, annuities that initially might seem exactly alike can actually give you vastly different results. This versatile annuity also includes a built-in income and death benefit rider at no added premium charge. There are spreads, caps or participation rates that limit how much of the return you receive. Prior to committing to the purchase of any type of insurance and/or investment vehicle, it is critical that you do your own due diligence, and that you also talk with a properly licensed professional if you have any questions that relate to your specific situation. Over time, there can be a significant difference between these two figures. Best, So, it is important that you first discuss your needs with an annuity professional who can help you with sorting all of the intricate details. Product features, limitations and availability vary; see the Certificates of Disclosure for details. This is best done via phone (as versus sending sensitive information back and forth via email). Confinement must begin after the first contract year. But that is not what the product was built for and we believe that would lead to less than optimal results. The Athene Agility 10 has quickly become one of the best-selling indexed annuities and for good reason. A 25% premium bonus only applies to Benefit Base, To qualify for the Enhanced Lifetime Income Withdrawals you must be confined to Qualified Care Facility for 180 out of the last 250 days. Source BofA Securities, Bloomberg: The Index was created on August 12, 2014. We investigate and compare annuities, and in turn, provide our website visitors with the in-depth information that they may not receive from their insurance or financial advisor. However, we feel that providing you with too much information is far better than not giving you enough. Not to be used with the offer or sale of annuities. Additional information. Athene Ascent Pro 10. However, because there are so many moving parts on fixed indexed annuities, you really need to take a deeper look into how the components of these annuities work, because typically, they arent always a walk in the park when it comes to generating the returns you are anticipating. NO BANK/CREDIT UNION GUARANTEE. 2%. We have made the necessary edits to the article. Please see the Certificate of Disclosure for more information. 6%. There are also some added bells and whistles that youll find on the Agility annuity from Athene, including: Dont worry well cover all of this shortly. . Allianz 222 Fixed Index; Brighthouse Shield Level Selector; Jackson National Perspective II Lifeguard Freedom Flex; Athene Agility 10 Year Fixed Index; AXA Structured Capital Strategies; AIG Polaris Platinum III; All Annuity Reviews; Blog. Meaning you want your lifetime income to start at least 10 years or more down the road. Additional limitations, state variations, and exclusions may apply. Over time, there can be a significant difference between these two figures. No product companies have endorsed the reviews on this site, nor is AnnuityGator.com compensated for reviews. My financial dude has brought me Athene Performance Elite Plus 7. 25%Bloomberg US Dynamic Balance Index II with 3.2% annual spread.
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