Athene Annuity and Life Company

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Financial Ratings

A.M. Best A+

S&P A+

About Athene Annuity and Life Company

Athene Annuity and Life Company have been in the business since 2009. It has been one of the largest providers of fixed and fixed indexed annuities in the US for many years and has been regularly in the top ten annuity sales.

On January 1, 2022, Athene Holding Ltd. merged with Apollo Global Management, Inc. (NYSE: APO). Apollo is a high-growth, global alternative asset manager listed on the NYSE that serves institutional and individual investors across the risk-return spectrum in yield, hybrid, and equity strategies.

Product Lineup

Athene AccuMax 7

Fixed Indexed Annuity

7-year growth potential with guaranteed rates and market protection

Crediting Period1 or 7 years

Free Withdrawals10% annually

Rate Guarantee7 years guaranteed

Index Options7 strategies

Best for: Pre-retirees and retirees who want growth potential with principal protection an...

Athene Accumulator 10

Fixed Indexed Annuity

Indexed annuity with growth potential + market downside protection

Indexed StrategiesVarious caps and participation rates depending on strategy selected

Fixed StrategyRate redeclared each contract year

Free Withdrawals10% annual free withdrawal

Gain LockingAnnual lock-in of gains

Best for: Individuals seeking long-term retirement savings growth with downside market pro...

Athene Accumulator 5

Fixed Indexed Annuity

Tax-deferred growth with market upside, market downside protection

Indexed Interest Crediting0% guaranteed floor—never negative

Downside Protection100% principal protection from market declines

Annual Gain Lock-InGains protected permanently each year

Free Withdrawals10% per year free of penalties

Best for: Conservative to moderate investors nearing or in retirement who want tax-deferre...

Athene Accumulator 5

Fixed Indexed Annuity

5-year strategies with higher participation rates and guaranteed protection

5-Year Crediting StrategiesUp to 50% participation rate shown in examples

Principal Protection100% principal protection

Multiple Index Options7 total crediting strategies available

Enhanced Death BenefitInterim value calculation included

Best for: People nearing retirement who want to protect what they've saved while still par...

Athene Accumulator 7

Fixed Indexed Annuity

Index-linked growth with market protection

Indexed Interest StrategiesPotential for higher returns than fixed strategies

Fixed StrategyStable, predictable growth

Free Withdrawals10% annual access

Downside ProtectionPrincipal protection

Best for: Conservative to moderate investors seeking retirement growth with downside marke...

Athene Accumulator 7

Fixed Indexed Annuity

7-year FIA with multi-year strategies & higher participation rates

Withdrawal Charge Period7 years

Free WithdrawalsGreater of 10% of premium or accumulated value

Index OptionsS&P 500, AI Powered Multi-Asset, Shiller Barclays CAPE Allocator 6, Fixed

Crediting Terms1-year or 7-year strategies

Best for: Individuals approaching retirement who want growth potential with complete princ...

Athene Agility 10

Fixed Indexed Annuity

Growth potential with protection plus guaranteed lifetime income included

Principal Protection0% minimum interest guarantee

Income Rider IncludedIncluded automatically

Annual Free Withdrawals10% annually

Benefit Base BonusBonus included

Best for: People seeking retirement savings with growth potential, downside protection, an...

Athene Agility 7

Fixed Indexed Annuity

Fixed indexed annuity with growth protection and guaranteed lifetime income

Principal Protection0% minimum interest guarantee

Index Growth Potential1 and 2-year index strategies available

Lifetime IncomeAvailable after withdrawal charge period and age 50

Annual Free Withdrawals10% of initial premium or accumulated value

Best for: Individuals seeking retirement income with some growth potential while protectin...

Athene Ascent Pro 10

Fixed Indexed Annuity

Guaranteed Income for Life with Growth Potential

Income Base Growth10% annual simple interest guaranteed for years 1-20

Indexed Interest Credits0% floor; upside participation in index gains

Level Income OptionGuaranteed for lifetime

Earnings-Indexed Income OptionVariable; starts lower, grows with earnings

Best for: Individuals 50+ who want to convert a portion of their savings into guaranteed l...

Athene Ascent Pro 10

Fixed Indexed Annuity

Fixed indexed annuity with guaranteed lifetime income & market protection

Minimum Premium$10,000 ($5,000 in select states)

Built-in Income RiderIncluded with purchase

Free WithdrawalsUp to 10% annually

Enhanced Income BenefitUp to 60 months

Best for: Individuals nearing or in retirement who want protection from market losses whil...

Athene Ascent Pro 10 Bonus

Fixed Indexed Annuity

Fixed Indexed Annuity with Lifetime Income Guarantee

Premium BonusUp to 20% of initial premium

Indexed Strategies0% minimum, unlimited upside potential

Fixed StrategyCompany-declared guaranteed rate

Income Base Growth10% simple interest for years 1-20

Best for: Retirees and pre-retirees seeking predictable lifetime income with growth potent...

Athene Ascent Pro 7

Fixed Indexed Annuity

Guaranteed lifetime income with growth potential and downside protection

Built-in Income RiderNo additional election required

Income Base GrowthUp to 20 years of growth potential

Lifetime Income Percentages3.15% to 6.65% for single life

Enhanced Income BenefitAvailable in most states

Best for: Pre-retirees and retirees looking for guaranteed lifetime income with growth pot...

Athene Ascent Pro 7

Fixed Indexed Annuity

Grow tax-deferred, protect from losses, then earn guaranteed lifetime income

Guaranteed Income Rider10% simple interest guaranteed on Income Base for up to 20 years

Index-Linked GrowthInterest credits locked in annually; cannot be lost to market declines

Fixed Strategy OptionDeclared rate varies yearly; provides guaranteed baseline returns

Free Withdrawals10% annual free withdrawal limit

Best for: Retirees or near-retirees (typically age 50+) who want to grow savings with stoc...

Athene BCA 10 2.0

Fixed Indexed Annuity

Fixed indexed annuity with lifetime income & principal protection

Index Earnings Strategy (IES)Rates set at contract issue and guaranteed for first two-year term

Free Withdrawals5% year one, 10% annually thereafter

Balanced Allocation Lifetime Income Rider (BALIR)1.00% annual charge for SGO Max or Flex Growth option

Market Value Adjustment (MVA)Applied during withdrawal charge period; protects downside, allows upside participation

Best for: Individuals focused on long-term retirement planning who want market-linked grow...

Athene BCA 6.2.0

Fixed Indexed Annuity

Protected Growth + Guaranteed Retirement Income

Index Earnings Strategy (IES)Rates set at issue; see rate sheet for current participation rates

Free Withdrawals5% year 1; 10% years 2+

Guaranteed Lifetime IncomeAvailable at contract annuity date

Return of Premium GuaranteeAdjusted for withdrawals

Best for: Retirees and pre-retirees seeking long-term growth with downside protection, gua...

Athene BCA 8 2.0

Fixed Indexed Annuity

Fixed Indexed Annuity with Guaranteed Income Options

Minimum Guaranteed Contract Value (MGCV)Guaranteed minimum interest rate

Balanced Allocation Lifetime Income Rider (BALIR)1.00% annual rider charge

Free Withdrawal Amount5-10% annually

Family Endowment Rider (FER/FER Max)0.85% annual rider charge

Best for: This product is best for individuals seeking long-term retirement income protect...

Athene MYG

Multi-Year Guaranteed

Guaranteed growth you can depend on - choose your term, lock in your rate

Term Periods3, 5, or 7 years

Free Withdrawals10% per year

Minimum Premium$5,000

Maximum Premium$1,000,000

Best for: Conservative investors seeking guaranteed returns and principal protection with ...

Athene Performance Elite 10 Plus

Fixed Indexed Annuity

Market-linked growth with downside protection and liquidity options

Premium BonusVaries by product

Market Protection0% floor

Free Withdrawals5-10% annually depending on product

Strategy PresetAthene exclusive feature

Best for: Retirement savers who want market growth potential with guaranteed protection fr...

Athene Protector 5

Fixed Indexed Annuity

Market growth potential with downside protection for retirement savers

Market Protection0% floor guarantee

Free WithdrawalsUp to 10% annually

Index Strategies1-year point-to-point strategies

Minimum Interest CreditAvailable for a charge

Best for: People saving for retirement who want market growth potential with protection fr...

Athene Protector 7

Fixed Indexed Annuity

Growth potential with principal protection - your retirement, secured

Downside Protection0% minimum interest guarantee

Free WithdrawalsUp to 10% annually

Index Growth Potential1-year crediting strategies available

Gain Lock-InAnnual lock-in feature

Best for: Conservative retirement savers who want growth potential with principal protecti...

Athene Velocity

Fixed Indexed Annuity

Fixed indexed annuity with built-in income rider and principal protection

Free Withdrawals10% annually

Built-in Income Rider175% of earnings

Principal Protection100% protection

Index ParticipationVaries by term

Best for: Individuals seeking principal protection with growth potential and guaranteed li...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A+

Description

Superior

Effective

June 25, 2024

Rating Agency

Fitch

Rating

A+

Description

Strong

Effective

March 19, 2018

Rating Agency

Moody's

Rating

A1

Description

Good

Effective

July 22, 2022

Rating Agency

Standard & Poor's

Rating

A+

Description

Strong

Effective

August 16, 2018

Rating Analysis

Athene Annuity and Life Company has maintained decent ratings for many years. It is considered to be strong and stable financially.

Athene Annuity and Life Company Products

Fixed Indexed Annuities

Explore Athene Annuity and Life Company fixed indexed annuity products with current rates and features.

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Multi-Year Guaranteed Annuities

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Immediate Annuities (SPIA)

View Athene Annuity and Life Company single premium immediate annuity options.

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Deferred Income Annuities (DIA)

Explore Athene Annuity and Life Company deferred income and QLAC products.

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