Athene AccuMax 7
Athene Annuity and Life Company
10%
Free W/D
50
States
A 7-year fixed indexed annuity designed for growth-focused retirement savers who want market upside potential without downside risk. Offers multiple index strategies with guaranteed rates and flexible access to funds.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Multi-Asset Index | 7Y | -- | 305% | -- |
| AI Powered Multi-Asset Index | Annual | -- | 145% | -- |
| Shiller Barclays CAPE Allocator 6 Index | 7Y | -- | 380% | -- |
| Shiller Barclays CAPE Allocator 6 Index | Annual | -- | 140% | -- |
| S&P 500 Index | 7Y | -- | 78% | -- |
| S&P 500 Index | Annual | -- | 77% | -- |
| Fixed Account | Daily | -- | -- | 3.1% |
Key Features
Crediting Period
1 or 7 yearsChoose 1-year or 7-year crediting strategies
Free Withdrawals
10% annuallyWithdraw up to 10% of premium or accumulated value annually without penalty
Rate Guarantee
7 years guaranteedAll crediting strategy rates locked in at issue for entire withdrawal charge period
Index Options
7 strategiesSeven different crediting strategies including S&P 500, AI-powered, and CAPE strategies
Annual Sum Strategy
-10% annual floorInnovative crediting method that sums annual performance with -10% floor protection
Death Benefit
Accumulated value + interim gainsEnhanced benefit includes accumulated value plus portion of current index gains
Highlights
Choose from 7-year strategies with higher participation rates for potentially greater growth
All crediting strategy rates are guaranteed at issue for the entire 7-year withdrawal charge period
Unique Annual Interval Sum strategy that captures positive returns yearly while limiting downside to -10% floor
Access up to 10% of your money penalty-free each year, plus protection from market losses
Enhanced death benefit that includes a portion of current index gains, not just accumulated value
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Pre-retirees and retirees who want growth potential with principal protection and are comfortable with a 7-year commitment.
Consider Alternatives If
Investors who need immediate liquidity or those seeking guaranteed lifetime income payments.
Carrier Ratings
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