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Athene Agility 10

The Athene Agility 10 is a fantastic companion on the journey into retirement. Simple to use and reliable, it ensures a steady income that helps you stay financially independent for as long as you live.

True to its name, this annuity offers flexibility—you tailor savings and withdrawals to what suits you best. Plus, the advantageous interest rates are a cherry on top!

Athene Agility 10

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Term

10 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, and IRA-Roth

Launch Date

06/10/2018

Athene Agility is a fixed indexed annuity that adapts to your needs whether for growth, income or help with the unexpected. It gives you the flexibility, security and confidence to reach for the retirement of your dreams.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.85% Fixed
1-Year BNP Paribas Multi-Asset PTP Participation Rate	Point to Point Annual	140% Participation
2-Year BNP Paribas Multi-Asset PTP Participation Rate	Point to Point Biennial	190% Participation
1-Year Nasdaq FC PTP Participation Rate	Point to Point Annual	80% Participation
2-Year Nasdaq FC PTP Participation Rate	Point to Point Biennial	125% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	5.5% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	11% Cap
1-Year AI Powered US Equity PTP Participation Rate	Point to Point Annual	112% Participation
2-Year AI Powered US Equity PTP Participation Rate	Point to Point Biennial	150% Participation
1-Year Fixed Account (CA Only)	Fixed	2.85% Fixed
2-Year S&P 500 FC PTP Participation Rate	Point to Point Biennial	87% Participation
1-Year S&P 500 FC PTP Participation Rate	Point to Point Annual	62% Participation
2-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Biennial	130% Participation
1-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Annual	95% Participation
2-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Biennial	130% Participation
1-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Annual	95% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10
Penalty	9%	9%	8%	7%	6%	5%	4%	3%	2%	1%

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

Name	Inbuilt	Fee
Athene Agility 10	Yes
Athene Agility 10 (AK, HI, LA, NH, NJ, PA, WA)	Yes

Waivers

Bail-Out

If Athene lowers the declared 1-Year Point-to-Point Index Strategy Cap Rate below the Bailout Cap Rate, you’ll have full access to your annuity’s Accumulated Value — free of any charges for up to 30 days after the Contract Anniversary in which the Bailout Cap Rate was pierced. After the 30-day Bailout Window, all charges may apply.

Terminal Illness

Unavailable in states: CA

You can withdraw up to 100% of your annuity’s 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. This waiver is available after your first Contract Anniversary. You may not be diagnosed during the first Contract Year. Additional limitations, state variations and exclusions may apply. Please see the Certificate of Disclosure for more information.

Confinement

Unavailable in states: CA, and MA

After the first Contract Year, you can withdraw up to 100% of your annuity's Accumulated Value if the Annuitant is confined to a Qualified Care facility for at least 60 consecutive days and meets the eligibility requirements. Confinement must begin after the first contract year. Additional limitations, state variations and exclusions may apply. Please see the Certificate of Disclosure for more information.

Premium Notes

Minimum: $5,000 in AK, HI, MN, MO, NJ, OR, PA, TX, UT and WA

Withdrawal Provisions

Free WithdrawalsMaximum of 10% of Accumulated Value or 10% of Initial Premium per year. Withdrawals 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 59½ Market Value AdjustmentA Market Value Adjustment applies to withdrawals in excess of the free withdrawal amount and full surrenders during the Withdrawal Charge period. The MVA may increase or decrease the amount of the Withdrawal or Cash Surrender Value of your Contract depending on the change in interest rates. If interest rates have increased, stayed the same, or decreased by less than 0.25%, the MVA will be negative. If interest rates have decreased by more than 0.25%, the MVA will be positive.

Company Founded: 1909

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Athene Annuity and Life Company

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