athene agility 10 vs allianz 222

For financial professional use only. 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. One of the biggest reasons that consumers are so interested in fixed indexed annuities (FIAs) is because they can essentially offer the best of both worldsor at least it can appear that way. Rather than sending sensitive personal and financial details back and forth via email, though, it would be best to discuss via phone. The Athene Agility 10 is a fixed index annuity with a 10-year contract term. 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. Hi Axel, The company also holds approximately approximately $2 billion in excess capital. With Athenes experienced management team, the company has grown from a start-up just a decade ago, to a firm that holds nearly $150 billion in total GAAP assets, more than $117.5 billion in invested assets, and over $13 billion in total equity. Athene Ascent Pro 10. Meaning you want your lifetime income to start at least 7 years or more down the road. 2Fixed indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Annuity and Insurance Agency 1050 Crown Pointe Parkway Atlanta, GA 30338. These charges are set up as follows: Athene Agility 10 Annuity Surrender Charge Schedule. 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. Athene Performance Elite 7. 4%. If the insured has any objections to any of the terms and conditions, s/he has the option to 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. This is not an offer to buy or sell any security or interest. Over time, there can be a significant difference between these two figures. This includes the good, the bad, and yes, even the ugly. All of the names, materials, and marks that have been used in compiling this annuity review are the property of their respective owners. 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. Product features, limitations and availability vary; see the Certificates of Disclosure for details. SILAC TETON/DENALI 10 (85) F&G POWER ACCUM/ACCUM PLUS (85) ATHENE PERFORMANCE ELITE (83) List all products in the following category: annuities that write 86-90. NO BANK/CREDIT UNION GUARANTEE. The contract features described may not be current and may not apply in the state in which you reside. Learn the features and benefits, rates, and more of the Agility 10 Fixed Index Annuity offered by Athene. 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. 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. Athene describes the Agility 7 annuityas a fixed indexed annuity for income with agility.. Annuities are distributed by My Annuity Store, Inc. Or alternatively, you can contact us by going to https://annuitygator.com/contact/ and letting us know what time works best for you. However, we will be in a better position to know that after getting some additional information from you. Jackson National Perspective II Lifeguard Freedom Flex, Independent Review of the Athene Agility 7-Year Fixed Indexed Annuity [Updated December 2020], Athene held nearly $147 billion in total GAAP assets, 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, Athene Agility 10-Year 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, 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 seven full years of purchasing the annuity, Do not intend to use the lifetime income feature of the annuity. Annuity Gator, Your email address will not be published. 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. 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. Thats where having an Annuity Investigator who loves math comes in. We have heard many advisors say that you could take the free withdrawal from the Allianz 222 for years 8, 9, and 10. Annuity Marketplace . 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. Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. Income payments may increase each year depending on the performance of your clients chosen index strategies, Increases are locked in and cannot be lost regardless of future index performance, Indexed interest crediting strategies feature indices exclusive to Athene, Initial bonus that instantly boosts the Benefit Base, 175% market-leading stacked growth to the Benefit Base, Benefit Base continues growing after income has started, growing the value of the Rider Death Benefit, Up to 10% penalty-free withdrawals based on Accumulated Value or initial premium, whichever is greater, Enhanced Income Benefit at no additional charge, Built-in Rider Death Benefit beneficiary receives the fullremaining value of the riders Benefit Base in annual payments. The Athene Agility 10 has quickly become one of the best-selling indexed annuities and for good reason. Two-Year Point to Point. The Annuity Gator. This can be beneficial in helping to keep incoming cash flow at, or even ahead of, the rate of future inflation. This field is for validation purposes and should be left unchanged. Are there any other annuities that you would like to know more about? 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. (optional). 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. This is where the Annuity Gator comes in. We repeat the index performance from this 10-year period afterward. 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. My Annuity Store, Inc. All rights reserved. Allianz ABC, or AIG x5 benefit base 250%, or Athene Agility, Americo's Heritage Maximizer (30% for 30 bps) or the Bene Booster 25% of gains on the product (no explicit fee). Please feel free to contact us directly, toll-free, at (888) 440-2468 to chat with one of our annuity specialists or visit https://annuitygator.com/contact/ Withdrawals are based upon the Accumulated Value of the last Contract Anniversary. It may even have been your attendance at that event that has led you online, on a quest for more information. Retire in 10 Years. Heres how the annuity might look over a 30-year period. Please update. This in no way affects the quality, stability, or the strength of the Athene annuity products. 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. F&G Retirement Pro Annuity. Allianz. This annuity review will give you a good start on that. 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. So, be sure to check back soon and regularly to see all of our new and updated annuity reviews. Values shown are not guaranteed unless specifically stated otherwise. We investigate and compare annuities, and in turn, we provide our website visitors with the in-depth information that they may not receive from their insurance or financial advisors. 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. 3%. Best. Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. AND, the income increases are locked in, so they cant be lost, regardless of what happens in the market. Nothing on this website is a recommendation to buy or sell an annuity. 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. 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. If you selected the annual point-to-point crediting option, you would receive 2.25. 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. Once you start receiving your retirement paycheck, your Benefit Base will continue to grow by 175% of any interest credits you earn. 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. That is a big difference, the Allianz 222 income is to be turned on after 10 years. 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. Not available in all states. Please limit your response to 150 characters or less. Please call (855) 583-1104 if you have any questions or concerns. However, even though this best of all worlds scenario initially seems very appealing, these benefits can also come at a cost. 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. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds. It may even have been your attendance at that event that has led you online, on a quest for more information. Athene Annuity and Life Company have not endorsed this product review in any fashion and we dont receive any compensation from it. If so, just let us know the name (or names) of the annuity(ies) and our Annuity Gator annuity geeks will get on it. What is the most important reason for that score? Are there any other annuities that you would like to know more about? Additional limitations, state variations, and exclusions may apply. If this is the first time you have been here to our website, we would like to personally welcome you to Annuity Gator. To check out more of the in-depth details about this annuity directly from the companys product guide, you can go HERE. As with other annuities, your earnings can compound tax-deferred, so you can continue to build the funds in the account without the need to pay Uncle Sam each year (until the time of withdrawal). Save my name, email, and website in this browser for the next time I comment. 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. Our primary mission here at Annuity Gator is to help you find the best annuities available, and to guide you towards the one (or ones) that fit your specific needs, and away from the ones that dont. This means there are two separate values; an account value and a protected income value. 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. You can selectively provide your consent below to allow such third party embeds. This annuity would not be a good fit if you planned to start the lifetime income before 7 years. Especially in light of the fact that the Allianz 222 is oftentimes directly compared to this Athene annuity. The cap and participation rates are lower than they are on Athenes other annuity products. None. MLSB Index Performance (Back-Tested & Actual) January 13, 1985, to December 31, 2020. However, even though this best of all worlds scenario initially seems very appealing, these benefits can also come at a cost. Over time, there can be a significant difference between these two figures. Please see the Certificate of Disclosure for more information. 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. In addition, the Athene Agility 10 allows free withdrawals of 10% per year based 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. So financially, Athene is strong and stable. P.S If you would like to read more of our Athene annuity reviews here are some links to check out: Thank you. 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. In order to read the companys press releases in full regarding this matter, go HEREand HERE. 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. 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. We cant help everyone, but we do our best to always get back in touch within 24 hours. ALLIANZ 222/ABC GLOBAL ATLANTIC CHOICE ACCUM. In 2021, Athene Annuity & Life Company received an overall NAIC complaint index of 0.10, well below the 1.0 average. By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale. This insurer is rated as the number two carrier in fixed indexed annuity sales, and has been consistently for the past three years. 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. Athene also offers 175% stacked growth to the annuitys benefit base which means that the annuitys return shares in 175% of what the underlying index returns. . Second, you can receive a bonus on the Protected Income Value (PIV) of . Prior to starting income, your Benefit Base will increase by 175% of any Interest Credits that are added to your annuitys Accumulated Value. 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. 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. For complete information about the cookies we use, data we collect and how we process them, please check our. 25%Bloomberg US Dynamic Balance Index II with 3.2% annual spread. The Benefit Base is equal to the Initial Premium, plus the Benefit Base bonus amount. 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. We appreciate your clarification on this specific annuitys initial bonus boost. After the 30-day Bailout Window, all charges may apply. The Athene Agility annuity is a fixed indexed annuity with a $10,000 minimum investment and a maximum issue age of 83. That's why Allianz 222 annuity gives you the flexibility to address life's "what ifs.". 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. These financial vehicles allow you the opportunity to attain index-linked returns as well as the safety of principal, regardless of what occurs in the market. What are other similar annuities to this one? He believes a lack of access to educational materials and annuity products has hindered the widespread adoption of these strategies in the United States. Increases are locked in and cannot be lost, regardless of future index performance. This waiver is available after your first Contract Anniversary. 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. The Agility 10 is not a great annuity if your objective is safe accumulation. 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. Kiara Caudill California License: 4109080. 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. 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.

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