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To see a full breakdown of all charges and fees, as well as some of the other tradeoffs you may need to make in order to obtain the benefits from the Athene Agility annuity, go HERE. < This link is outdated and shows information, percentages and index strategies not currently used by the product. The S&P 500 without dividends was up 13.4%. If you want your income to start before that then there are better annuities to meet that goal. It could also be that you have recently attended an annuity seminar where, in return for a free dinner or lunch, the presenter had your attention while he or she described the Athene Agility 7-year fixed indexed annuity. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Reviews are posted at the request of readers so they could see an independent perspective when breaking down the positives and negatives of specific annuity contracts. This includes the good, the bad, and yes, even the ugly. Additional information. Please call (855) 583-1104 if you have any questions or concerns. The values show what would happen if the stated index earned indexed interest using current rates for the periods indicated. 8 yr. 9 yr. 10 yr. 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%, Your Benefit Base will continue to receive Interest Credits even while youre getting your retirement paycheck.. The indexed interest is based on actual index performance during the most recent 10-calendar year period for the first 10 years. This versatile product includes a built-in Income and Death Benefit rider at no additional charge. All content is for educational purposes only. The values show what would happen if the allocations earned interest using current rates in all years. This is much different in contrast to the best-selling 222 which makes the annuity owner wait 10 years prior to turning on lifetime income. (cant use for in-home health cases like you can in the. And maybe the biggest difference is that the Athene Agility 7 can have its lifetime income turned on after the 7th year. However, before you go out and make a commitment to this annuity or to any annuity it is highly recommended that you first have a good understanding of just exactly how the annuity works, and how it may (or may not) fit into your overall financial plans. Best. $10,000. You can also take a peek at the full Athene Agility annuity product guide HERE. American Equity IncomeShield 7 Annuity. Retire in 10 Years. Best, Annuity Marketplace . This shows that the company . In order to best support you, we would need some additional information from you. In the Allianz 222 Annuity, if you selected monthly sum crediting, you would be credited with a gain of 2.26%. The highest guaranteed income for life. 2.5%. 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. The Athene Agility 10 Year Fixed Indexed annuity could work for you if you are looking for: This product can also provide an opportunity for individuals who have various health issues (and in turn, who may not qualify for a traditional, standard life insurance policy) to secure death benefit protection through the annuity. This annuity would not be a good fit if you planned to start the lifetime income before 7 years. The cap and participation rates are lower than they are on Athenes other annuity products. In fact, dare we say that our website is the only place online where you can obtain all of the information that you require for making a well-informed purchasing decision about this annuity. Athene Ascent Pro 10. I ran up against the Allianz 222 again and called a rep at a different company to get some clarification on a competing product. You can also be sure that you will have an income in retirement for as long as you (and your spouse, if applicable) need it. We would be happy to run an analysis for you to see what type of annuity may be a good fit. 6%. Therefore, if you happened to notice if there were any details within this review that should be revised, please let us know that too, and we will be glad to make the necessary updates to it. There are many different factors that you should consider prior to making a long-term commitment to purchasing an annuity. The Athene Agility 7 FIA I believe offers a 20% bonus not a 25% as your article states. And, if you have any additional questions, please contact us directly via phone, toll-free, at (888) 440-2468. When considering the Athene Agility 7-Year Fixed Indexed Annuity, though, you can be confident that the principal you have in the account is safe, regardless of what happens in the market or even in the economy overall. 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. Allianz See all Allianz Annuities. With that in mind, a financial advisor is likely to focus on this best of all worlds scenario when presenting this product to you. How would you rate your experience using SmartAssets financial advisor matching service so far? This companys life insurance offices are based out of Delaware, Iowa, and New York. In this case, for instance, there is no added cost for the income rider. 1 yr. 2 yr. 3 yr. 4 yr. 5 yr. 6 yr. 7 yr . All investing involves risk, including loss of principal. This is because these annuities provide the opportunity to receive positive growth when an underlying market index is being tracked and performs well, while also protecting your principal if the underlying index performs poorly. Athene Ascent SM Pro 10 Before purchasing any investment product be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to your individual circumstances. We repeat the index performance from this 10-year period afterward. We look forward to hearing from you. It has a participation rate and capped index crediting strategies as well as a fixed-interest option. Any other good growth and income annuities in the 5 to 8 year time range? It is not a recommendation to purchase or to sell an annuity. Meaning you want your lifetime income to start at least 10 years or more down the road. Nothing on this website is a recommendation to buy or sell an annuity. In addition to its a rating from S&P, the company has also earned an A from A.M. Best and an A from Fitch. Especially in light of the fact that the Allianz 222 is oftentimes directly compared to this Athene annuity. Or alternatively, you can contact us by going to https://annuitygator.com/contact/ and letting us know what time works best for you. Allianz 222 - ALLIANZ222V2 Allianz 360 - ALLIANZ360V2 Allianz 365i - ALLIANZ365iV2 Allianz Benefit Control Product Training: ABCANNUITY . But the annuity market can be difficult to understand: There is a wide range of annuity products, each offering its own set of terms, fees, and paperwork. The highest minimum guaranteed return. Interest Only. Then there's probably a fixed or fixed indexed annuity that will work best. It is important that note that Allianz can change your caps at any time. . 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. In addition to possible surrender charges, there can also be some other fees involved if you own the Athene Agility fixed indexed annuity. 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. Kiara Caudill California License: 4109080. What annuity ? The FIA products also allow you to get income for life, so you can alleviate any worry about running out of income in retirement. You can also be sure that you will have an income in retirement for as long as you (and your spouse, if applicable) need it. But, due in large part to the increased number of new annuity products that are being pushed out into the market by insurance companies each one of them trying to outdo the other these particular annuities can also be extremely confusing. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. There are spreads, caps or participation rates that limit how much of the return you receive. So, if youre ready to begin this review, lets go ahead and dive in! Allianz 222 Review: Product Highlights. Her plan is to retire between the ages of 60 and 65. Actual values may be higher or lower than the values shown. Over time, there can be a significant difference between these two figures. The Athene Agility 10 is a fixed index annuity with a 10-year contract term. 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. Products not available in all states. This in no way affects the quality, stability, or the strength of the Athene annuity products. Therefore, it is really important that you first discuss your needs with an annuity professional who can help you with sorting all of the intricate details. Athene MaxRate. SmartAssets services are limited to referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. You can withdraw up to 100% of your annuitys Accumulated Value if the Annuitant is diagnosed with a Terminal Illness that is expected to result in death within one year and you meet the eligibility requirements. It gives you accumulation potential now (with two ways to get a bonus), 1 plus options to customize your income later. Heres how the annuity might look over a 30-year period. To check out the Annuity Gators updated review of the Allianz 222 annuity go HERE. Annuity Gator, Your email address will not be published. There are no guarantees that working with an adviser will yield positive returns. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. Financial professionals will be paid a commission on the sale of an annuity. Annualized Credited Rate does not reflect anyrider or contract charges. If this is your first visit to our website, we would like to formally welcome you to Annuity Gator. The contract features described may not be current and may not apply in the state in which you reside. We have made the necessary changes. There is also a terminal illness waiver that allows you to withdraw up to 100% of the annuitys accumulated value if you (or the annuitant) is diagnosed with a terminal illness. The Benefit Base is equal to the Initial Premium, plus the Benefit Base bonus amount. Be sure to do your own due diligence, we recommend consulting with a properly licensed tax, legal or financial professional regarding any questions you may have prior to making any purchasing decision. It also includes a built-in income and death benefit rider at no additional charge. To check out more of the in-depth details about this annuity directly from the companys product guide, you can go HERE. This annuity review will give you a good running start. On each Anniversary, the Benefit Base will be credited 175% of the dollar amount credited to the Accumulated Value. Just check with us. Athenes website describes the Agility annuity as one that can help you open the doors to retirement possibilities. This is a great option if you are less than 60 years of age and plan to use this annuity as part of your retirement income plan. Please see the Certificate of Disclosure for more information. I appreciate the annuity review for the Athene Agility 7 FIA. It is not a recommendation to purchase or to sell an annuity. We appreciate your clarification on this specific annuitys initial bonus boost. Please see the Certificate of Disclosure for moreinformation. This versatile annuity also includes a built-in income and death benefit rider at no added premium charge. Granted we dont know what the markets will do, but if we did have an extended period where they did not perform, then Athene would give you a higher lifetime income. Independent Review of the Athene Agility 7-Year Fixed Indexed Annuity [Updated December 2020], Independent Review of the American General Life Insurance Company Power 10 Protector Plus Income Index Annuity, We use cookies to enhance your experience while using our website. Insurance products may not be available in all states. By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale. Kiara Caudill California License: 4109080. 7%. Fixed indexed annuities can offer some very nice advantages starting with the fact that they provide you with the opportunity to attain a higher return than a regular fixed annuity, yet the FIA will still protect your principal in any type of market environment. For complete information about the cookies we use, data we collect and how we process them, please check our. 1Lifetime Income Withdrawals may be reduced or may stop if you take Excess Withdrawals from your contract. This is primarily because fixed indexed annuities provide the opportunity to receive positive growth when an underlying market index is being tracked and performs well, while also protecting your principal if the underlying index performs poorly during a given period of time. When income is needed, the Agility shines in this area, too, as income payments may increase, based on the performance of the underlying index. AND, the income increases are locked in, so they cant be lost, regardless of what happens in the market. The guaranteed lifetime income for both the Athene Agility and the Allianz 222 have the ability to increase each year based on their market index gains. Rather than sending sensitive personal and financial details back and forth via email, though, it would be best to discuss via phone. 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. The even better news is that this isn't the only product that can be used in this manner (e.g., Allianz 222, and Athene Agility). Guarantees are subject to the claims-paying ability of the insurer. Insurance companies often issue contracts that are state-specific. Withdrawals are based upon the Accumulated Value of the last Contract Anniversary. 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. Average Retirement Savings: How Do You Compare? However, we feel that providing you with too much information is far better than not giving you enough. Not all reinsurance products or structures offered are available in all jurisdictions. This 10 year fixed index annuity comes with many features built-in for free; however, as great as it is it isnt for everyone. If this is the case, there are better alternative annuities. We can assist you with that by running it through our annuity calculator, using your particular financial figures. And maybe the biggest difference is that the Athene Agility 7 can have its lifetime income turned on after the 7th year. In addition, we also realize that the information about annuities can and often does change. We also use content and scripts from third parties that may use tracking technologies. When doing your annuity research, you may have run across some of the other websites out there that discuss annuities but are more interested in simply obtaining your contact information so that they can bombard you with a deluge of emails and marketing materials. Allianz 222 Annuity. 10%. All of the names, materials, and marks that have been used in compiling this annuity review are the property of their respective owners. These annuities allow customers to tie their assets to a market index available through Athene. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. 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. Levels for the Index before August 12, 2014, represent hypothetical data determined by the retroactive application of a back-tested model, Home Annuity Reviews North American Income Pay Pro 10 Reviewed Sherris Case Study Sherri is 49 years old and isnt exactly sure when she will retire; I guess who really is? MAY LOSE VALUE. Athene Annuity and Life Company have not endorsed this product review in any fashion and we dont receive any compensation from it. Save my name, email, and website in this browser for the next time I comment. Rates and annuity payout rates are subject to change. If you have been thinking about purchasing an annuity so that you can attain tax-deferred growth with your savings, as well as a guaranteed lifetime income in retirement, then the Athene Agility 7-year fixed indexed annuity may be a good choice for you. In addition to incurring a surrender charge from Athene, if you make such a withdrawal prior to turning age 59 1/2, then you could also be hit with an additional 10% early withdrawal charge from the IRS. To see a full breakdown of all charges and fees, as well as some of the other tradeoffs you may need to make in order to obtain the benefits from the Athene Agility annuity, go HERE. Increases are locked in and cannot be lost, regardless of future index performance. The main reason for this is variable annuities do offer . When you have a financial product that offers any type of guarantee on it, its likely that there will also be tradeoffs to consider somewhere along the line. 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.