There are spreads, caps or participation rates that limit how much of the return you receive. In addition, we also realize that the information about annuities can and often does change. 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. Annuity Marketplace . Athene USA services customers in all 50 of the United States. No-Fee Riders. Product features, limitations and availability vary; see the Certificates of Disclosure for details. This shows that the company . Additionally, the Athene Agility 10 has a 10-year contract term and I suggest staying in the 5 to 7-year range for accumulation. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. We have been offering these in-depth annuity reviews for quite some time now far longer than our competitors have although many of them would like to have you think otherwise. My Annuity Store, Inc. All rights reserved. We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors. 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. The illustration is not valid without all 18 pages and the statement of understanding. All names, marks, and materials used for the reviews on this site are property of their respective owners, and not those of AnnuityGator.com. Athene: Agility 10, Ascend Pro 10, & Performance Elite; Lincoln: OptiBlend Series; Global Atlantic: Choice Accumulation; SPIA. This is where the Annuity Gator comes in! Best. 25%Bloomberg US Dynamic Balance Index II with 3.2% annual spread. The income payment from this annuity is guaranteed for the annuitants life. Where the Athene Agility 7 year really shines in comparison to the Allianz 222 annuity is the Agility offers a better participation rate for the income benefit. As an extra added bonus, FIAs can also provide you with the ability to receive a guaranteed income for the remainder of your life (as well as that of a spouse or partner, if applicable) regardless of how long that income may be needed. Athene is a leading retirement services company that is dedicated to helping individuals and institutions fund retirement needs. 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. This holds true (somewhat) with the Athene Agility 10 year fixed indexed annuity. Annuity Gator, Your email address will not be published. MLSB Index Performance (Back-Tested & Actual) January 13, 1985, to December 31, 2020. The highest minimum guaranteed return. Guarantees are subject to the claims-paying ability of the insurer. Please see the Certificate of Disclosure for more information. 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. After the 30-day Bailout Window, all charges may apply. This, however, isnt really all that uncommon, as there are many different annuities out there in the world, and there almost as many different thoughts and opinions about them. 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. Two-Year Point to Point. No product companies have endorsed the reviews on this site, nor is AnnuityGator.com compensated for reviews. Annuity contracts and group annuity contracts are issued by Athene Annuity and Life Company (61689), West Des Moines, IA, and Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware, in all states (except New York), and in D.C. and PR. 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. Are there any other annuities that you would like to know more about? Athene Agility 10 is a 10-year fixed index annuity that boasts a free income rider with 2 options available at the time of issue. If youve heard the name Athene, it could be that its because this is one of the fastest-growing fixed index annuity companies in the industry right now. We look forward to chatting with you. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Retire in 10 Years. 2Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. One of the things we really like is the Athene Agility 10 offers annual and two-year annual reset options: It has a participation rate and capped index crediting strategies as well as a fixed-interest option. North American PrimePath 12. Best, Annuity and Insurance Agency 1050 Crown Pointe Parkway Atlanta, GA 30338. The Benefit Base is equal to the Initial Premium, plus the Benefit Base bonus amount. If this is the case there are better alternative annuities, just check with us. That's why Allianz 222 annuity gives you the flexibility to address life's "what ifs.". We look forward to hearing from you. In fact, we dare say that our Annuity Gator website is the only place on the Internet where you can obtain all of the information that you require for making a well-informed purchasing decision about this annuity. Comprehensive guide to selecting the best annuity income rider based on your goals. Please limit your response to 150 characters or less. These reviews break down annuity offerings from each provider, including information about fees, minimum initial premiums, investment options, benefit riders, maximum issue ages, withdrawal charges, taxes and more. Annuity Gator, For instance, with this product, your income could increase each year, depending on the index strategies that you chose. 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. (optional). We can assist you with that by running it through our annuity calculator, using your particular financial figures. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); AnnuityGator.com offers independent annuity product reviews. This means there are two separate values; an account value and a protected income value. Athene Performance Elite 7. Jason Caudill is President of My Annuity Store, Inc. and has distributed more than $1.5 Billion of annuities during his career. Not available in all states. Help clients open doors to retirement possibilities. So, be sure to check back soon and regularly to see all of our new and updated annuity reviews. 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. This is an independent Athene Agility 10 review, not a recommendation or solicitation to buy or sell an annuity. Bottom Line: I would not recommend the Athene Agility 10 if you are looking for an annuity to grow your money in a safe and steady way. We have actually just recently updated our Allianz 222 annuity review, so please feel free to check back to our AnnuityGator.com website in order to check out the May 2017 information. In addition, we also realize that the information about annuities can and often does change. The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and is not intended to be tax or legal advice. 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. NO BANK/CREDIT UNION GUARANTEE. By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale. The Agility 10 is not a great annuity if your objective is safe accumulation. That being said, if youve been seeking more in-depth details about the Athene Agility 10 annuity, you have certainly landed in the right place. Oct17: Updated Allianz 360 Payout Table (Opt1-Level & Opt2-Increasing) Oct14: Corrected Allianz 360 Interest Bonus (Opt1-Level & Opt2-Increasing) Oct6: Updated Allianz 222 Income Rider to a 30% bonus Oct4: Updated the Athene AscentPro (Option1 / Level) Payout Table. It has a participation rate and capped index crediting strategies as well as a fixed-interest option. 9%. North American; Nationwide; Global Atlantic; MYGA. That is a big difference, the Allianz 222 income is to be turned on after 10 years. Please feel free to contact us directly, toll-free, at (888) 440-2468 to chat with one of our annuity specialists or visithttps://annuitygator.com/contact/ Annuities are distributed by My Annuity Store, Inc. Insurance companies also change their products and information often and without notice. 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. We also use content and scripts from third parties that may use tracking technologies. But, due in large part to the increased number of new-fangled products that are being pushed out into the market by insurance companies each trying to outdo the other these particular annuities can also be extremely confusing. The more specific and detailed you are, the more likely well be able to help . Hi Craig- Thank you for your message. 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. In this annuity review, we will be discussing the following details on the Athene Agility 7-year fixed indexed annuity: Annuities can be complex. In this case, for instance, there is no added cost for the income rider. We would be happy to run an analysis for you to see what type of annuity may be a good fit. 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. It gives you accumulation potential now (with two ways to get a bonus), 1 plus options to customize your income later. I did notice a possible error. This is where the Annuity Gator comes in. If Excess Withdrawals, Withdrawal Charges or Market Value Adjustments (MVAs) reduce the contracts Accumulated Value to zero, your Lifetime Income Withdrawal Payments willstopand the rider will terminate. In order to best support you, we would need some additional information from you. It is important that note that Allianz can change your caps at any time. And, if you have any additional questions, please contact us directly via phone, toll-free, at (888) 440-2468. Index annuities are fixed annuities and generate fixed income type of returns. 4This benefit is NOT long-term care insurance nor is it asubstitutetherefore. With that in mind, it is important to note that this annuity is primarily geared towards receiving income later (at least seven years after purchasing the product) as versus income now.. Premium Bonus. Enhanced Death Benefit capped at 125% Cash Surrender Value or 250% net premium in AK, HI, NJ, PA, and WA. 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. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Variable annuities have these features too, they just don't offer quite as high guarantees as fixed type annuities at this time. Heres how the annuity might look over a 30-year period. The guaranteed lifetime income for both the Athene Agility and the Allianz 222 . 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. Before we get too far into this review, we do want to be perfectly clear in stating that we believe that annuities can be a very viable financial option for some people provided that they fit in with your other short and long-term financial goals. These charges are set up as follows: Athene Agility 10 Annuity Surrender Charge Schedule. Rather than sending the info back and forth via email, it would be best to discuss by phone. We talked about a lot of differences between the two contracts but one thing he said is something I had never realized . What are other similar annuities to this one? However, there are a few areas to keep in mind that could cost you, if youre not careful. Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. 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. Quick View. There are no guarantees that working with an adviser will yield positive returns. 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. 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. The Allianz 222 is a 10-year fixed index annuity with a guaranteed lifetime withdrawal benefit rider (GLWB) included. In addition, the Athene Agility allows free withdrawals of 10% per year based on either the initial premium or the account value, whereas the 222 annuity from Allianz only allows you to take out up to 10% based on the initial premium. Annuity; Retirement; Videos $10,000. Best. Just contact us and we will help you review what annuities would be better for income starting earlier. Annuity Gator, Your email address will not be published. What would be a better fit if need income before? 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. This companys life insurance offices are based out of Delaware, Iowa, and New York. Products not available in all states. The Allianz 222 was allocated as follows: 25% S&P 500 Monthly Sum with 1.5% monthly cap. We also use content and scripts from third parties that may use tracking technologies. 8%. 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. Please update. Values shown are not guaranteed unless specifically stated otherwise. 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. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. Please reach out to your financial professional if you have any questions about insurance products and their features. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds. 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. When considering the Athene Agility 10 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. Over time, there can be a significant difference between these two figures. 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. This is an excellent annuity but it is really designed for income later. The indexed interest is based on actual index performance during the most recent 10-calendar year period for the first 10 years. Increases are locked in and cannot be lost, regardless of future index performance. F&G Retirement Pro Annuity. Best, It happened to me on Thursday morning when I found about the hidden fees in the Allianz 222. With that in mind, a financial advisor is likely to focus on this best of all worlds scenario when presenting this product to you. As with other fixed indexed annuities, the Athene Agility 10 annuity offers the opportunity for market-linked growth, but without worry about losses in a market downturn.
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athene agility 10 vs allianz 222