Athene Annuity Comparison Sheet

 Athene Annuity Comparison Sheet

Prepared for: Valued Client
Prepared by: Aju John
Date: March 4, 2025

Comparison: Athene Ascent Pro 10 Bonus vs. Athene AccuMax 7 vs. Athene Agility 7

FeatureAthene Ascent Pro 10 BonusAthene AccuMax 7Athene Agility 7
Product TypeFixed Indexed Annuity with Income RiderFixed Indexed Annuity for GrowthFixed Indexed Annuity with Flexible Income Options
Primary FocusGuaranteed Lifetime Income & ProtectionHigh Growth PotentialFlexible Growth & Income Options
Premium Bonus✅ 10% (vested over 10 years)❌ None✅ Benefit Base Bonus at issue (e.g., $200,000 on $500k premium)
Surrender Period10 Years7 Years7 Years
Guaranteed Lifetime Income✅ Yes (with Income Rider)❌ No✅ Yes (with built-in Income & Death Benefit Rider)
Enhanced Income for Health Needs✅ Income can double if health triggers met❌ No✅ Income can double for qualified care confinement
Growth Potential⚠️ Moderate (caps, spreads, fees apply)✅ High (up to 460% participation rates)✅ Strong (varied participation rates and diversified index options)
Index Strategy OptionsMultiple 1- & 2-year strategiesMultiple 1- & 7-year strategiesMultiple 1- & 2-year strategies
Principal Protection✅ 0% Floor✅ 0% Floor✅ 0% Floor
Free Withdrawals✅ 10% annually✅ 10% annually✅ 10% annually
Market Value Adjustment (MVA)✅ Applies✅ Applies✅ Applies
Death BenefitAccumulated Value or Minimum GuaranteedAccumulated Value + Partial Index GainAccumulated Value or Benefit Base paid over time
RMD Friendly (for IRAs)✅ Yes✅ Yes✅ Yes
Annual Rider Fee✅ 1% for Income Rider❌ None❌ None (Income Rider is included)
Bonus Vesting⚠️ 10 Years❌ None✅ Benefit Base Bonus applied upfront
Liquidity in Early Years⚠️ Limited (10-year surrender)✅ More flexible (7 years)✅ More flexible (7 years)
Bailout Feature❌ No❌ No✅ Yes - Full surrender if cap rate drops below threshold

Pros Summary

Athene Ascent Pro 10 Bonus

  • Guaranteed lifetime income even if account value reaches zero.

  • 10% premium bonus.

  • Long-term care income doubling.

Athene AccuMax 7

  • High growth potential with strong participation rates.

  • Shorter 7-year surrender period.

  • Flexible allocation options.

Athene Agility 7

  • Built-in Income & Death Benefit Rider at no extra cost.

  • Income grows even after withdrawals start.

  • Flexible liquidity features and bailout provision.

  • Enhanced income if confined to care facility.

Cons Summary

Athene Ascent Pro 10 Bonus

  • Lower upside potential due to caps and rider fees.

  • Long 10-year surrender period.

  • Complexity (bonus vesting, fees, income rider).

Athene AccuMax 7

  • No guaranteed income rider.

  • No enhanced income for care.

  • Returns subject to index performance.

Athene Agility 7

  • Surrender charges apply for 7 years.

  • Rider Death Benefit paid over time (not lump sum).

  • Participation rates may drop after initial term.

Which Product is Best for You?

Client GoalBest Product
Guaranteed Lifetime IncomeAthene Ascent Pro 10 Bonus
Higher Growth PotentialAthene AccuMax 7
Flexible Growth & Income OptionsAthene Agility 7
Enhanced Income for Long-Term CareAthene Ascent Pro 10 Bonus or Athene Agility 7
Shorter Surrender PeriodAthene AccuMax 7 or Athene Agility 7
Benefit Base Bonus (Upfront Boost)Athene Agility 7

Summary Recommendation

  • Choose Athene Ascent Pro 10 Bonus if you want: Guaranteed lifetime income, health-based enhanced income, and conservative growth.

  • Choose Athene AccuMax 7 if you want: Maximum growth potential, flexibility, and shorter surrender period.

  • Choose Athene Agility 7 if you want: Flexible growth, guaranteed lifetime income options, and enhanced care benefits.

For further information or a personalized analysis, contact:
Aju John
Phone: 832-846-0763
Email: ajuaj2000@gmail.com

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