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  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 Feature Athene Ascent Pro 10 Bonus Athene AccuMax 7 Athene Agility 7 Product Type Fixed Indexed Annuity with Income Rider Fixed Indexed Annuity for Growth Fixed Indexed Annuity with Flexible Income Options Primary Focus Guaranteed Lifetime Income & Protection High Growth Potential Flexible Growth & Income Options Premium Bonus ✅ 10% (vested over 10 years) ❌ None ✅ Benefit Base Bonus at issue (e.g., $200,000 on $500k premium) Surrender Period 10 Years 7 Years 7 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% participati...

How Old is Too Old to Start an IUL? I’m Aju John, a financial professional and retirement planning specialist. My goal is to help people save money for retirement by making informed financial decisions. Many people mistakenly believe that Indexed Universal Life (IUL) insurance becomes more expensive as you age. However, when structured correctly and funded properly, an IUL can actually become cheaper as you get older. Most insurance companies allow you to take out an IUL policy up to age 80, and even if you're unhealthy, you can still qualify by adjusting the death benefit under TEFRA (Tax Equity and Fiscal Responsibility Act) and DEFRA (Deficit Reduction Act) guidelines. Does an IUL Cost More if You’re Older? No! Here’s why: While the cost per thousand dollars of insurance does increase with age, the amount of insurance required under TEFRA and DEFRA decreases if you're using IUL for living benefits rather than focusing on the death benefit. This means: The older you are, the ...