Athene AccuMax 5
Athene Annuity and Life Company
10%
Free W/D
50
States
AccuMax 5 is a fixed indexed annuity designed for people nearing or in retirement who want meaningful growth potential without the risk of losing their principal to market downturns. It uses longer crediting periods to offer higher returns while protecting what you've already saved.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Multi-Asset Index | 5Y | -- | 305% | -- |
| AI Powered Multi-Asset Index | Annual | -- | 165% | -- |
| Shiller Barclays CAPE Allocator 6 Index | 5Y | -- | 335% | -- |
| Shiller Barclays CAPE Allocator 6 Index | Annual | -- | 160% | -- |
| S&P 500 Index | 5Y | -- | 83% | -- |
| S&P 500 Index | Annual | -- | 78% | -- |
| Fixed Account | Daily | -- | -- | 3.9% |
Key Features
Multi-Year Crediting Strategies
Up to 50% participation rate (hypothetical example shown)Choose 1-year or 5-year crediting periods. Longer terms allow higher participation rates in index gains while maintaining market loss protection.
Principal Guarantee
100% of premium protectedYour accumulated value and death benefit are guaranteed never to fall below your original premium, regardless of market performance.
Index Options
3 diversified index choicesChoose from S&P 500, AI Powered Multi-Asset Index (AiMAX), or Shiller Barclays CAPE Allocator 6 Index, each with different risk/return profiles.
Crediting Methods
2 crediting methods availablePoint-to-Point measures full-term performance; Annual Interval Sum totals annual gains with a -10% floor for downside protection.
Free Withdrawals
10% penalty-free access per yearWithdraw up to 10% of premium or accumulated value annually without surrender charges or market value adjustments.
Tax-Deferred Growth
Tax deferral on all gainsInterest credits accumulate without annual taxation until you make withdrawals.
Guaranteed Rates
Rates fixed for 1 or 5 yearsAll fixed and indexed crediting strategy rates are locked in at issue for the entire withdrawal charge period.
Waivers
2 penalty-free withdrawal scenariosConfinement Waiver and Terminal Illness Waiver allow full or partial withdrawal without charges if you meet eligibility requirements.
Highlights
Multi-year crediting strategies (1 or 5 years) offer higher participation rates than traditional annual-reset FIAs
Principal protection guaranteed—you never receive less than your original premium, even if markets decline
Choice of 7 crediting strategies across 3 indexes plus fixed options to match your risk tolerance
Annual Interval Sum crediting method allows you to benefit from multi-year strategies while tracking annual performance
Enhanced death benefit includes interim index gains, not just accumulated value
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People age 55+ approaching or in retirement who want growth potential but cannot tolerate losing principal to market declines, and who can commit funds for 1-5 years.
Consider Alternatives If
Investors who need immediate or frequent access to all their funds, or those seeking direct stock market participation.
Carrier Ratings
Free Comparison Report
Get a personalized Athene AccuMax 5 illustration
See year-by-year projections for your specific age, premium, and income goals.