It’s hard to plan, I guess just buy one and use it for the highest benefit.
| Product | Athene Agility 10 | Allianz |
| Bonus | 45% | 25% |
| annuity value | first year income based on 5% | 4% |
| fee % | 0 | maybe later. will effect cash value |
| interest increase | cash value compound | flexible, withdraw second year |
| payout rate | 5.35% and 100% | 150% -> 6% |
| First year income | $14,216 estimated | increase faster |
| D benefit | 5 years withdraw annuity value left or one time withdraw cash value | same as all others |
| long term care | double monthly income until cash value=0 | same as all others |