In today's world, there are a number of things that need to be taken into consideration before ever finalizing a financial plan. It was always a precise calculation, but in a landscape that exists with all that we've seen in recent times, the rules have been adjusted. What may have been the perfect financial plan a year ago, may not be so smart for you and your loved ones right now. So, where does that all leave you, at the present date?

For many people, a dream of investing throughout retirement, and taking the gains from that has finally been removed. It was always going to be a risky endeavor, but recent reminders have served to show Baby Boomers that an overly-invested stock market strategy can doom a retirement plan. At the end of the day, it is simply too risky to watch your main source of funds go up and down on a daily basis.

So, what is the alternative, if you want to play things a bit safer? For many people, the security that comes with an annuity can be a complete game changer, especially as retirement draws nearer. However, it is important to remember that different annuities do different things, and your specific set of circumstances will likely decide the ideal route to take.

If you consider yourself part of the crowd that would like to lock down guaranteed income payments for life, you may want to look into how the Athene Agility Fixed Index Annuity can impact your future. In this annuity, the name of the game is building guaranteed growth. The Athene Agility comes with a benefit base, which includes a Lifetime Income Rider, and a Death Benefit Rider.

After purchasing the Athene Agility, your benefit base begins. You won’t have access to it right away, but it is during this time where you can grow your base into something stronger for the future. Each year, any gains in your marketplace get locked in as credits for your account, while any times of negativity are simply zeroed out as a no-loss scenario. And, because the gains are secure, you can’t lose anything that you’ve acquired at each lock-in period. That is how you take advantage of the marketplace, without exposing yourself to the inevitable risk that comes from playing the usual stock market game.

Would you like to make sure that you are leaving a legacy to your loved ones? The Athene Agility Fixed Index Annuity does that in a very powerful way, making it a strong choice for anyone who prioritizes legacy planning. Even after you begin receiving lifetime income checks, your benefit base continues to grow (by 175% of interest earned), and this goes towards building your Death Benefit Rider. So, while you are taking care of yourself in the present, your family will also be growing assets for the future.

Moreover, the Athene Agility Indexing Credit options provides the ability for growth, with the benchmark S&P 500 and an attractive 6% cap rate on the 2 year Point to Point (at time of this writing, subject to change), NASDAQ FC, BNP Paribas Multi-Asset, and AI Powered US Equity Index available as index strategies. Finally, this annuity also has long-term care benefits covered, by providing an Enhanced Income Benefit. This allows you to withdraw a guaranteed 2x the amount of guaranteed income stated in your annuity contract if you are confined to a Qualified Care Facility, and unable to perform 2 out of 6 ADLs.

The Athene Agility Fixed Index Annuity is a very unique option, as it really proves to be a bit of a jack-of-all-trades choice. There are four major benefits to going with an annuity - guaranteed income, safe growth, long-term care planning, and legacy planning. And, while most focus on one or two of these areas, the Athene Agility Fixed Index Annuity really covers every single base.

However, it is important to realize that, while this annuity covers a ton of different concerns, it is impossible to do them all in a superlative way. On the accumulation/growth side, participation rates are capped at 80% on the BNP Paribas Multi-Asset Index (at time of this writing, subject to change), meaning that those primarily focused on safe accumulation of assets from their annuity have much better options available for that sole purpose on the market. Additionally, there are other annuities that provide more assistance for long-term care concerns.  But, if you're looking for a well-rounded option, the Athene Agility is worth a lot of consideration.