Athene Agility Annuity – Built-In Income, Market Growth, and Lifetime Flexibility with a 50% Bonus
A Fully Integrated Retirement Income Solution
At Diversified Insurance Brokers, we work with clients who want simplicity without sacrificing strength. The Athene Agility Fixed Indexed Annuity, issued by Athene Life and Annuity Company,offers exactly that—market participation, principal protection, a built-in income and death benefit rider, and penalty-free liquidity—all rolled into a single, low-maintenance contract.
This annuity is designed for those who want long-term peace of mind and reliable retirement income, without needing to add extra riders at an additional cost.
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Growth Potential with Market Index Strategies
Athene Agility gives you access to a range of index crediting options, including:
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S&P 500® Index (excluding dividends)
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AI-Powered Multi-Asset Index
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Nasdaq FC Index
Each of these strategies allows you to benefit from market performance while ensuring that your principal is never at risk from market downturns.
If you’re looking to compare Athene Agility with other indexed annuities or want help deciding between strategies, fill out our annuity quote request form and we’ll help you find the right fit.
Income and Legacy Protection, Already Included
A major advantage of this product is its built-in Income and Death Benefit Rider—included at no additional cost. This rider offers:
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Guaranteed lifetime income, regardless of how long you live or how the market performs
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Enhanced death benefit, providing your beneficiaries the full accumulation value, even if income has already begun
You don’t have to add extra riders or pay extra fees to secure a stream of income or protect your legacy—Agility includes these essentials from day one.
Liquidity and Health-Based Waivers
The Agility annuity includes generous liquidity features, allowing:
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Penalty-free withdrawals of up to 10% annually after the first year
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Nursing Home Waiver
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Terminal Illness Waiver
These provisions provide flexibility if unexpected health issues arise, giving you peace of mind that your money remains accessible.
Who This Annuity May Be a Good Fit For
The Athene Agility Annuity may be an excellent solution for:
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Individuals who want built-in guaranteed lifetime income with no added cost
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Clients looking for market participation with no downside risk
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Pre-retirees and retirees who want income and legacy benefits included automatically
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People who value access to funds in the event of illness or emergency
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Savers rolling over IRAs or 401(k)s into a product that combines growth, income, and protection
This product delivers a full retirement package without overcomplicating the plan—ideal for clients who want flexibility and security in one contract.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Athene Agility Annuity
What is the Athene Agility Annuity?
The Athene Agility Annuity is a fixed or fixed-indexed annuity contract designed to offer principal protection, potential interest crediting (fixed or index-linked), and flexibility for retirement accumulation and eventual income or withdrawal options.
How does interest or growth crediting work?
Your premium may be credited under a guaranteed fixed-interest rate or via index-linked crediting options. When using index crediting, interest credits are calculated using formulas that may include caps, participation rates, or spreads. The funds are not directly invested in the stock market — only the crediting performance is tied to the index’s performance.
Is my principal protected from market downturns?
Yes. As a fixed or fixed-indexed annuity, Athene Agility ensures that the accumulation value — your principal plus any credited interest — is insulated from market downturns. Negative index performance does not reduce your contract value (assuming no withdrawals or contract penalties apply).
Can I withdraw funds before income begins or maturity?
Many Athene Agility contracts allow a limited annual “free-withdrawal” (often a small percentage of account value) after the first contract year, without surrender charges. Withdrawals beyond that allowance or a full surrender may trigger surrender charges and possibly reduce future credited interest or benefit guarantees.
What are the surrender-charge and liquidity limitations?
The annuity typically includes a surrender-charge period. Early surrender or withdrawals beyond permitted free-withdrawal allowances may result in penalties, reduced benefits, or recapture of bonuses (if any). Because of this, the product works best for money you can leave invested for several years.
Does Athene Agility offer income or payout options?
Depending on the contract version and any optional riders, you may have options to convert the accumulation value into structured payouts or a lifetime income stream at a future date. Review payout terms carefully to understand how income or benefit guarantees work.
How are earnings and withdrawals taxed?
Earnings grow tax-deferred while funds remain in the contract. When you take withdrawals or begin income payments, taxable portions are typically taxed as ordinary income. Withdrawals before age 59½ may also be subject to additional IRS penalties depending on your situation.
Who is Athene Agility best suited for?
This annuity may suit individuals who want principal protection, potential index-linked growth without direct market exposure, and flexibility to choose when to access savings or convert to income. It can serve as a conservative/medium-term accumulation or retirement income tool — particularly for those comfortable with limited liquidity early on. For context on trade-offs between fixed and indexed annuities, see our fixed indexed annuity primer.
What should I review before purchasing?
Before buying, examine the interest-crediting options (fixed vs index-linked), the surrender-charge schedule, free-withdrawal allowances, liquidity needs, any rider or payout fees, and whether the contract’s duration and benefits align with your retirement timeline and financial goals.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
