athene agility 10 vs allianz 222bull flag screener finviz

Bail-OutIf Athene lowers the declared 1-Year Point-to-Point Index Strategy Cap Rate below the Bailout Cap Rate, youll have full access to your annuitys Accumulated Value-free of any charges for up to 30 days after the Contract Anniversary in which the Bailout Cap Rate was pierced. The contract features described may not be current and may not apply in the state in which you reside. Below we will look at the historical rates of return for Agility 10; remember, hypothetical illustrations are not guaranteed. If this would be of interest to you, please contact us using the form below: document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); We realize that this annuity review ran a bit on the long side. We have made the necessary edits to the article. So while your returns are dependent on how your chosen index performs, it isn't literally invested in the market like a normal investment would be. 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). Nothing on this website is a recommendation to buy or sell an annuity. These complaints have centered primarily around administrative issues related to one of the companys third-party subcontractors. Just contact us and we will help you review what annuities would be better for income starting earlier. The highest guaranteed income for life. Athene USA services customers in all 50 of the United States. For instance, in addition to knowing that it can be costly to change your mind, you should also consider why you may be choosing one fixed indexed annuity over a long list of other products that may also suit your particular financial needs. Best, And, if you have any additional questions, please contact us directly via phone, toll-free, at (888) 440-2468. 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. 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. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds. We also use content and scripts from third parties that may use tracking technologies. 25%Bloomberg US Dynamic Balance Index II with 3.2% annual spread. North American; Nationwide; Global Atlantic; MYGA. Just like other types of annuities, these products also offer tax-deferred earnings within the account and, there is the option to receive a lifetime income in retirement, regardless of how long you may need it. Training is required prior to selling any Athene annuity. A 25% premium bonus only applies to Benefit Base, To qualify for the Enhanced Lifetime Income Withdrawals you must be confined to Qualified Care Facility for 180 out of the last 250 days. 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. 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. 9%. To check out the Annuity Gators updated review of the Allianz 222 annuity go HERE. 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. With that in mind, a financial advisor is likely to focus on this best of all worlds scenario when presenting this product to you. You can find these reviews in our massive online annuity review database that is located on our website. 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. We make up a team of annuity professionals who have a primary focus on offering comprehensive yet non-biased annuity reviews online. 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. "Earn a 10-15% Bonus. So, be sure to check back soon and regularly to see all of our new and updated annuity reviews. 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. For a direct comparison of the Allianz 222 annuity versus the Athene Agility 10 annuity, go HERE. No product companies have endorsed the reviews on this site, nor is AnnuityGator.com compensated for reviews. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). 5%. (optional). In this Athene Agility 10 Review we will cover: Athene Annuity and Life Insurance Company is a strong insurance company with an A Rating from AM Best; they are also a major player in the U.S. annuity market. 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. Allianz. Required fields are marked *. However, that being said, this annuity could also fall somewhat short if you needed the income to start before 7 years. Reinsurers may not be licensed in all states. 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. 5Beneficiary can elect to receive a lump sum payment of the Accumulated Value or the Benefit Base paid out over a period not to exceed 10 years. So, if youre ready to begin this review, lets go ahead and dive in! I am showing an Athene Agility 10 Illustration using a $50,000 initial premium into the: Heres how the annuity might have looked over 3 different 10-year periods. In addition to possible surrender charges, there can also be some other fees involved if you own the Athene Agility fixed indexed annuity. Values shown are not guaranteed unless specifically stated otherwise. No product companies have endorsed the reviews on this site, nor is AnnuityGator.com compensated for reviews. (175% versus 150% with Allianz) this can make a very big difference when calculating the lifetime income. Annuity Gator. The account value is real money and what you could withdraw as a lump sum at the end of the . 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. Over the past few years, Athene has received a number of customer complaints through the Better Business Bureau (BBB). We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors. An in-depth look at performance-based & Guaranteed options. The main reason for this is variable annuities do offer . All content is for educational purposes only. 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. Annual Withdrawals. Please reach out to your financial professional if you have any questions about insurance products and their features. If you are looking at least 10 years out for lifetime income to begin, then Athene Agility might make a lot of sense for your long-term financial needs. 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. Thats where having an Annuity Investigator who loves math comes in. 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. The indexed interest is based on actual index performance during the most recent 10-calendar year period for the first 10 years. 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. Over time, there can be a significant difference between these two figures. The S&P 500 without dividends was up 13.4%. (cant use for in-home health cases like you can in the. Not to be used with the offer or sale of annuities. This annuity is designed for delivering strong income and growth potential, plus liquidity. Best! Prior to starting income, your Benefit Base will increase by 175% of any Interest Credits that are added to your annuitys Accumulated Value. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. My Annuity Store, Inc. All rights reserved. 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. In addition to possible surrender charges, there can also be some other fees involved if you own the Athene Agility 10 Year Fixed Indexed annuity. In 2021, Athene Annuity & Life Company received an overall NAIC complaint index of 0.10, well below the 1.0 average. Athene describes the Agility 7 annuityas a fixed indexed annuity for income with agility.. ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. Your email address will not be published. We look forward to chatting with you. ATHENE - Agility 10 . It is not a recommendation to purchase or to sell an annuity. Annuities are distributed by My Annuity Store, Inc. You can take a closer look at the Athene complaints HERE. 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. He believes a lack of access to educational materials and annuity products has hindered the widespread adoption of these strategies in the United States. 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. 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. All of the names, materials, and marks that have been used in compiling this annuity review are the property of their respective owners. When income is needed, the Agility shines in this area, too, as income payments may increase, based on the performance of the underlying index. Your email address will not be published. Annuity Marketplace . 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 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 create opportunitiesfor your clients and for you with competitive annuity solutions for accumulation, income, protection and legacy. Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. Athene. 8%. 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. (175% versus 150% with Allianz) this can make a very big difference when calculating the lifetime income. 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.. 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. 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. This includes the good, the bad, and yes, even the ugly. 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. There are many different factors that you should consider prior to making a long-term commitment to purchasing an annuity. 1; 2; . Thats where having an Annuity Investigator who loves math comes in. Premium Bonus. This is an independent annuity product review. 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. 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. The Annuity Gator. Additional limitations, state variations, and exclusions may apply. 3.25%. 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. 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). When evaluating an annuity it is always important to consider the insurersfinancial strength because an annuitys guarantees are backed by the claims-paying ability of the issuing insurance company. https://annuityassociation.comathene agility - athe. MAY LOSE VALUE. This holds true (somewhat) with the Athene Agility 7 fixed indexed annuity. In order to read the companys press releases in full regarding this matter, go HEREand HERE. Please call (855) 583-1104 if you have any questions or concerns. North American PrimePath 12. 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. Athene Agility 10 fixed index annuity is a retirement savings plan designed for safe growth, retirement income for life, inflation protection, and enhancing a death benefit. Best, 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. Comprehensive guide to selecting the best annuity income rider based on your goals. 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. 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. Additional information. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. The Athene Agility 10 has quickly become one of the best-selling indexed annuities and for good reason. You may not be diagnosed during the first Contract Year. For complete information about the cookies we use, data we collect and how we process them, please check our. Jason has been a student of annuities since the age of 21 when was an intern for New York Life Insurance Company. So, if you felt that this review was helpful, please feel free to pass it along and share it with anyone else whom you think could also benefit from it. This annuity would not be a good fit if you planned to start the lifetime income before 7 years. Over the past few years, Athene has received a number of customer complaints through the Better Business Bureau (BBB). In order to read the companys press releases in full regarding this matter, go HEREand HERE. ATHENE AGILITY. Index annuities are fixed annuities and generate fixed income type of returns. We realize that this annuity review ran a tad bit on the long side, however, we feel that providing you with too much information is far better than not giving you enough. allianz offers a free look period but it doesn't state how long it is online. Best, Retire in 11+ Years. Save my name, email, and website in this browser for the next time I comment. You can selectively provide your consent below to allow such third party embeds. If this is the case, there are better alternative annuities. Here's one way to help prepare for life's "what-ifs". (175% versus 150% with Allianz) this can make a very big difference when calculating the lifetime income. If you have been thinking about buying an annuity so that you can lock in tax-deferred growth with your savings, as well as a guaranteed lifetime income in the future, then the Fixed-Indexed Athene Agility 10 annuity may be a viable option for you. Allianz Endurance Plus (No Longer For Sale) American Equity IncomeShield 10 Annuity. These companies are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. document.getElementById( "ak_js_2" ).setAttribute( "value", ( new Date() ).getTime() ); AnnuityGator.com offers independent annuity product reviews. The FIA products also allow you to get income for life, so you can alleviate any worry about running out of income in retirement. 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. In this annuity review, we will be discussing the following details on the Fixed Indexed Athene Agility 10 Year annuity: Annuities can be complex. 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? If so, just let us knowthe name (or names) of the annuity(ies) and our Annuity Gator annuity geeks will get on it. 10%. First, Allianz 222 Annuity is a fixed index annuity that gives you the potential to earn interest in two different ways: You can earn interest based on your choice of several index options, or you can choose to receive fixed interest. Best. P.S If you would like to read more of our Athene annuity reviews here are some links to check out: Thank you. Allianz Benefit Control Annuity. The more specific and detailed you are, the more likely well be able to help . Please see the Certificate of Disclosure for more information. AND, the income increases are locked in, so they cant be lost, regardless of what happens in the market. Athene USA services customers in all 50 of the United States. 3Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59. We cant help everyone, but we do our best to always get back in touch within 24 hours. There are many different factors that you should consider prior to making a long-term commitment to purchasing an annuity. 25% PIMCO Tactical Balance Index with 3.1% annual spread. But that is not what the product was built for and we believe that would lead to less than optimal results. Athene Agility 7, 10 RegEd Code: Agility710_2018 Athene Ascent Pro 7 RegEd Code: PRO7_2017 Athene Ascent Pro 7, 10 RegEd Code: PRO710_2017 Products not available in all . Are there any other annuities that you would like to know more about? If you want your income to start before that then there are better annuities to meet that goal. We make the complex, simple. We look forward to hearing from you. Our main mission here at Annuity Gator is to help you locate 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. We would be happy to run an analysis for you to see what type of annuity may be a good fit. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Where the Athene Agility 10 really shines in comparison to the Allianz 222 annuity is that the Agility offers a better participation rate for the income benefit. We are a team of annuity professionals who have a key focus on offering comprehensive yet non-biased annuity reviews online. Annuity and Insurance Agency 1050 Crown Pointe Parkway Atlanta, GA 30338. This is not an offer to buy or sell any security or interest. Allianz 222 Fixed Index Annuity Request Info. The cap and participation rates are lower than they are on Athenes other annuity products. 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. While you're saving for retirement, Allianz 222 Annuity can help by giving you two ways to get a bonus to your Protected Income Value: a 35% bonus on any premium you put into your annuity in the first 18 months, and. 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. The guaranteed lifetime income for both the Athene Agility and the Allianz 222 . $10,000. In this annuity review, we will be discussing the following details on the Athene Agility 7-year fixed indexed annuity: Annuities can be complex. Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. Annuities Athene Protector 5. So, it makes it even more essential that you read over all of the fine print about an annuity before you commit what could be a large percentage of your savings to the product. 1Lifetime Income Withdrawals may be reduced or may stop if you take Excess Withdrawals from your contract. 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. If this is your first visit to our website, we would like to formally welcome you to Annuity Gator. 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. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Two-Year Point to Point. Alternatively, this particular 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 7 from Athene is right for you, click here so that you can access our free annuity buyers report. All names, marks, and materials used for the reviews on this site are property of their respective owners, and not those of AnnuityGator.com. The values show what would happen if the indexed allocations earn zero indexed interest and the fixed allocation earns the minimum guaranteed fixed rate in all years. All investing involves risk, including loss of principal. Withdrawals are not credited with index interest in the year they are taken. This waiver is available after your first Contract Anniversary. That being said, if youve been seeking more in-depth details about the Athene Agility 7-year FIA, you are definitely in the right place. 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. This shows that the company . The Benefit Base is equal to the Initial Premium, plus the Benefit Base bonus amount. This means there are two separate values; an account value and a protected income value. If you selected the annual point-to-point crediting option, you would receive 2.25. Description. 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. However, there are a few areas to keep in mind that could cost you, if youre not careful. Allianz 222 Annuity. However, there are a few areas to keep in mind that could cost you, if youre not careful. But even so, the only way to really know if this annuity is right for you is to have it tested. Just check with us. None. 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. Annuity Gator, Your email address will not be published. By contacting us you may speak with an insurance licensed agent in your state, and you may be offered insurance products for sale. Best. That is a big difference, the Allianz 222 income is to be turned on after 10 years. MLSB Index Performance (Back-Tested & Actual) January 13, 1985, to December 31, 2020. We can assist you with that by running it through our annuity calculator, using your specific financial figures. The Athene Agility 7 FIA I believe offers a 20% bonus not a 25% as your article states. Annuity Gator, For instance, with this product, your income could increase each year, depending on the index strategies that you chose. These complaints have centered primarily around administrative issues related to one of the companys third-party subcontractors. We look forward to chatting with you. Allianz See all Allianz Annuities. Just contact us and we will help you review what annuities would be better for income starting earlier. 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.

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