Review: Everything You Need to Know About Athene Agility Fixed Indexed Annuities

Athene Agility is a fixed indexed annuity designed to provide financial security, flexibility, and growth potential for individuals planning their retirement. It offers a blend of investment safety and income generation, allowing policyholders to adapt to changing financial needs. This annuity is particularly appealing for those who want to secure their financial future while enjoying the benefits of market-linked growth without the associated risks.

Key Features and Benefits of Athene Agility Fixed Indexed Annuities

Understanding the advantages of Athene Agility can help you make an informed decision about your retirement planning. Here are the key features and benefits:

1. Market Protection with Growth Potential

   • Funds are not directly invested in the stock market, significantly reducing risks associated with market volatility.

   • Gains are locked in and cannot be lost during market downturns, providing peace of mind for policyholders.

   • Various crediting strategies offer multiple opportunities for interest accumulation, allowing for tailored growth based on individual preferences.

2. Guaranteed Lifetime Income

   • Policyholders can establish a steady "retirement paycheck" through Lifetime Income Withdrawals, ensuring a reliable income stream.

   • Income payments have the potential to increase over time based on interest credits, providing a hedge against inflation.

3. Liquidity and Accessibility

   • Athene Agility offers free annual withdrawals of up to 10% of the contract value, allowing for flexibility in accessing funds when needed.

   • Enhanced withdrawal benefits are available for long-term care or terminal illness needs, addressing critical health-related expenses.

4. Strong Financial Backing

   • Athene Agility is issued by Athene Annuity and Life Company, which has a strong financial foundation and A+ ratings from major rating agencies.

   • The partnership with Apollo Global Management adds an additional layer of investment expertise and stability.

5. Legacy and Death Benefit Options

   • Beneficiaries have the option to receive either the annuity's accumulated value or a guaranteed Benefit Base over a specified period, providing a financial legacy.

6. Tax Advantages

   • The growth within the annuity is tax-deferred until withdrawals begin, allowing for potentially greater accumulation over time.

Considerations When Choosing Athene Agility

• Early withdrawals exceeding free limits may incur withdrawal charges and Market Value Adjustments (MVAs), impacting your overall returns.

• Lifetime Income Withdrawals may cease if excess withdrawals deplete the annuity’s accumulated value, necessitating careful planning.

• Athene Agility is not available in all states; terms and conditions may vary based on specific contract agreements.

Final Verdict on Athene Agility

Athene Agility is a well-rounded annuity product for individuals seeking growth potential, income security, and financial flexibility in retirement. Its market protection features and guaranteed income benefits make it a strong contender for those looking to create a structured retirement plan. However, understanding withdrawal penalties and contract specifics is crucial before making a commitment.

As an independent firm, we pride ourselves on providing objective recommendations tailored to your financial needs. If you would like a second opinion regarding this annuity or any other financial product, feel free to contact us for a friendly discussion.

Best Regards,

Derek Notman & Drew Faloon