Due to our experience and longevity in this arena, we have become very good at what we do, and weve actually come to be known as a highly trusted source of annuity information online. So, be sure to check back soon and regularly to see all of our new and updated annuity reviews. The values show what would happen if the allocations earned interest using current rates in all years. This annuity could work for you if you are looking for: This product could also provide a way for individuals who have certain health issues and may not qualify for a traditional, standard life insurance policy to secure death benefit protection via the annuity. Allianz See all Allianz Annuities. Athene is driven to deliver innovative fixed and fixed indexed annuities that help you win your market. ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Kiara Caudill California License: 4109080. The highest minimum guaranteed return. 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. North American PrimePath 12. 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. This is where the Annuity Gator comes in. This means there are two separate values; an account value and a protected income value. Comprehensive guide to selecting the best annuity income rider based on your goals. (And, unlike many fixed indexed annuities, the income rider on the Athene Agility 7 is added at no extra charge). This material is provided by Athene Annuity and Life Company headquartered in West Des Moines, Iowa, which issues annuities in 49 states and D.C., and Athene Annuity & Life Assurance Company of New York headquartered in Pearl River, New York, which issues annuities only in New York. You could receive 15% one year and 0% for 2 other years. The main reason for this is variable annuities do offer . For a direct comparison of the Allianz 222 annuity versus the Athene Agility 10 annuity, go HERE. On each Anniversary, the Benefit Base will be credited 175% of the dollar amount credited to the Accumulated Value. In order to lure you into giving your information, they will often make some pretty outrageous claims about the annuities that they offer, such as: But, even as nice as these claims may be, it means that it is even more necessary for you to make sure that they are actually true before you move forward and commit a large chunk of your money to such products. 2.5%. Her goal. It may even have been your attendance at that event that has led you online, on a quest for more information. This is not an offer to buy or sell any security or interest. We talked about a lot of differences between the two contracts but one thing he said is something I had never realized . By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale. In this case, for instance, there is no added cost for the income rider. If you want your income to start before that then there are better annuities to meet that goal. Retire in 10 Years. List all products in the following category: annuities that write 81-85. If you plan to turn this portion of your portfolio into a lifetime income stream, Agility 10 is quite possibly the best option available (Allianz 222 also gets consideration). 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. None. Product features, limitations and availability vary; see the Certificates of Disclosure for details. ConfinementAfter the first Contract Year, you can withdraw up to 100% of your annuitys Accumulated Value if the Annuitantis confined to a Qualified Care facility for at least 60 consecutive days and meets the eligibility requirements. MLSB Index Performance (Back-Tested & Actual) January 13, 1985, to December 31, 2020. ATHENE - Agility 10 The income payment from this annuity is guaranteed for the annuitants life. The illustration is not valid without all 18 pages and the statement of understanding. 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. Annual Withdrawals. 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. One of the things we really like is the Athene Agility 10 offers annual and two-year annual reset options: #1. Meaning you want your lifetime income to start at least 7 years or more down the road. 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. Not to be used with the offer or sale of annuities. Allianz 222 Annuity. 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. 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 cant help everyone, but we do our best to always get back in touch within 24 hours. Athene Protector 5. There are many different factors that you should consider prior to making a long-term commitment to purchasing an annuity. In addition, as annuities and fixed indexed annuities in particular have become more popular over the past several years, more and more insurance carriers are introducing new products out into the marketplace. 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. Description. Also, as with most other annuities, if more than 10% of the contracts value is withdrawn during the surrender charge period, a withdrawal charge penalty will be incurred. Ill wrap up my Athene Agility 10 review with some final thoughts. The FIA products also allow you to get income for life, so you can alleviate any worry about running out of income in retirement. As an additional bonus, fixed indexed annuities can also provide you with the ability to receive a guaranteed income for the remainder of your lifetime (as well as that of a spouse or partner, if applicable) regardless of how long that income may be needed. This is an excellent annuity but it is really designed for income later. There are spreads, caps or participation rates that limit how much of the return you receive. It may even have been your attendance at that event that has led you online, on a quest for more information. Contact your back office or the Athene Sales Desk for product availability. It's Open Season for Roth Conversions - Make Sure You're Hunting for Them We would be happy to assist you to find similar annuities to Athene Agility 7. 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. The contract features described may not be current and may not apply in the state in which you reside. Financial professionals will be paid a commission on the sale of an annuity. 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. PDF For income that lasts as long as your retirement. 10%. AnnuityAdvisors - Where advisors go for advice - Annuity Financial I ran up against the Allianz 222 again and called a rep at a different company to get some clarification on a competing product. Athene USA is a somewhat newer name for an acquisition of a long-established life insurance carrier that has a century-old track record in the insurance and financial services industry. AND, the income increases are locked in, so they cant be lost, regardless of what happens in the market. So, it makes it even more essential that you read over all of the fine print before you commit what could be a large percentage of your savings to this annuity. However, even though this best of all worlds scenario initially seems very appealing, these benefits can also come at a cost. 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. 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. First, the Athene Agility guarantees a higher amount of lifetime income if we had an extended time of poor performance in the market indexes. Because of that, annuities that initially might seem exactly alike can actually give you vastly different results. Athene USA is a somewhat newer name for an acquisition of a long-established life insurance carrier that has a century-old track record in the insurance and financial services industry. 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 the insured has any objections to any of the terms and conditions, s/he has the option to "Earn a 10-15% Bonus. Athenes website describes the Agility annuity as one that can help you open the doors to retirement possibilities. These charges are set up as follows: Athene Agility 10 Annuity Surrender Charge Schedule. The companys investment portfolio is well-diversified with 94% of its fixed maturity securities rated 1 or 2 the highest categories by the NAICs Securities Valuation Office. 6%. 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. We appreciate your clarification on this specific annuitys initial bonus boost. Athene Agility 10. 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. 10%, Agility 10 Allianz 222 (222) Inital Premium10%,, Account ValueInitial Premium,Agility 10. . We repeat the index performance from this 10-year period afterward. Are there any other annuities that you would like to know more about? These charges are set up as follows: 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. This includes the good, the bad, and yes, even the ugly. P.S If you would like to read more of our Athene annuity reviews here are some links to check out: Thank you. Throughout the past decade or so, the volatility in the market has really made investors think twice about putting their hard earned savings into an area that could wipe away years of planning within a very short time if experiencing a market correction. Retire in 11+ Years. Also, as with most other annuities, if more than 10% of the contracts value is withdrawn during the surrender charge period, a withdrawal charge penalty will be incurred. Withdrawals are based upon the Accumulated Value of the last Contract Anniversary. That is a big difference, the Allianz 222 income is to be turned on after 10 years. To check out the Annuity Gators updated review of the Allianz 222 annuity go HERE. The Athene Agility 10 has quickly become one of the best-selling indexed annuities and for good reason. Athene has not endorsed this review in any way, nor do we receive any type of compensation for providing this review. Below are the tables from an Athene Agility 10 Illustration placing a $50,000 initial premium into the: Fill out the form below to receive a free annuity quote within 4 business hours, or use one of our annuity calculators. Likewise, after the first contract year, the annuitant could qualify to access up to 100% of the accumulated value if he or she is confined to a nursing home for at least 60 consecutive days. So without further ado; let us dive into our Athene Agility 10 Review. We can assist you with that by running it through our annuity calculator, using your particular financial figures. 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. Your email address will not be published. So, before you move forward with the purchase of the Athene Agility fixed indexed annuity (or for that matter, any annuity), you need to be sure that you check out all of the details as, once you have purchased an annuity, it could be quite an ordeal to get yourself out of it.
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