Athene Accumulator 10
Athene Annuity and Life Company
9.25%
Best Cap
10%
Free W/D
50
States
Athene Accumulator is a fixed indexed annuity that combines market-linked growth potential with guaranteed downside protection, designed to help you accumulate retirement savings over the long term with tax-deferred interest.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Global Opportunities Index | 2-Year | -- | 205% | -- |
| AI Powered Global Opportunities Index | Annual | -- | 150% | -- |
| AI Powered US Equity Index | 2-Year | -- | 210% | -- |
| AI Powered US Equity Index | Annual | -- | 170% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | 2-Year | -- | 275% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 197% | -- |
| Nasdaq FC Index | 2-Year | -- | 185% | -- |
| Nasdaq FC Index | Annual | -- | 125% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | 2-Year | -- | 125% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 96% | -- |
| S&P 500 Index | 5Y | -- | 85% | -- |
| S&P 500 Index | Annual | 9.25% | 100% | -- |
| UBS Innovative Balanced Index | 2-Year | -- | 195% | -- |
| UBS Innovative Balanced Index | Annual | -- | 150% | -- |
| Fixed Account | Daily | -- | -- | 4.45% |
Key Features
Indexed Strategies
Various caps and participation rates depending on strategy selectedInterest credits based on upward movement of a stock market index (such as S&P 500), credited at the end of each strategy's Index Term Period. Minimum interest of 0% guaranteed.
Fixed Strategy
Rate redeclared each contract yearGuaranteed interest rate declared annually by Athene, credited daily to your annuity.
Free Withdrawals
10% annual free withdrawalWithdraw up to 10% of accumulated value each contract year without charges or market value adjustments.
Gain Locking
Annual lock-in of gainsInterest credits earned during the index term are locked in at each contract anniversary. Previous growth cannot be lost if markets decline.
Confinement Waiver
100% access if eligibleWithdraw up to 100% of accumulated value penalty-free if confined to a qualified care facility for 60+ consecutive days.
Terminal Illness Waiver
100% access if eligibleWithdraw up to 100% of accumulated value penalty-free if diagnosed with terminal illness expected to result in death within one year.
Death Benefit
Full accumulated value or minimum guaranteed valueBeneficiary receives the greater of accumulated value or minimum guaranteed contract value.
Bailout Feature
30-day window if bailout cap is breachedIf the S&P 500 index strategy annual cap rate drops below a specified bailout cap rate, you have 30 days to access your full accumulated value penalty-free.
Tax Deferral
Tax-deferred accumulationGrowth accumulates tax-deferred; you pay taxes only when you make withdrawals.
Minimum Guaranteed Contract Value
Guaranteed minimum rate on percentage of premiumEnsures a minimum interest crediting rate on a percentage of your premium (adjusted for withdrawals) while the contract is in effect.
Highlights
Growth potential linked to stock market index performance with downside protection—your money never loses value due to market risk
Flexible withdrawal options including 10% annual free withdrawals and waivers for terminal illness or long-term care needs
Tax-deferred growth on interest credits, so you only pay taxes when you withdraw money
Gains are locked in each contract anniversary, protecting previous growth even if markets decline
Backed by A+ financial strength ratings from S&P, Fitch, and AM Best
Surrender Schedule
Yr 1
9%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Individuals seeking long-term retirement savings growth with downside market protection, who can commit funds for several years and want tax-deferred accumulation with flexibility to access funds if needed.
Consider Alternatives If
Those who need immediate access to their money or cannot tolerate the withdrawal charge period and restrictions on excess withdrawals.
Carrier Ratings
Free Comparison Report
Get a personalized Athene Accumulator 10 illustration
See year-by-year projections for your specific age, premium, and income goals.