Athene Accumulator 5
Athene Annuity and Life Company
9%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that offers tax-deferred growth with potential upside from market index performance, downside protection from stock market losses, and the flexibility to withdraw money penalty-free in certain situations. Ideal for retirees seeking growth without market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Global Opportunities Index | 2-Year | -- | 200% | -- |
| AI Powered Global Opportunities Index | Annual | -- | 140% | -- |
| AI Powered US Equity Index | 2-Year | -- | 205% | -- |
| AI Powered US Equity Index | Annual | -- | 155% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | 2-Year | -- | 280% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 195% | -- |
| Nasdaq FC Index | 2-Year | -- | 190% | -- |
| Nasdaq FC Index | Annual | -- | 120% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | 2-Year | -- | 130% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 88% | -- |
| S&P 500 Index | 5Y | -- | 83% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| UBS Innovative Balanced Index | 2-Year | -- | 200% | -- |
| UBS Innovative Balanced Index | Annual | -- | 145% | -- |
| Fixed Account | Daily | -- | -- | 4.4% |
Key Features
Indexed Interest Crediting
0% guaranteed floor—never negativeEarn interest based in part on the upward movement of a stock market index (such as S&P 500) with periodic crediting at the end of each Index Term Period
Downside Protection
100% principal protection from market declinesYour money is not directly exposed to stock market or individual stock risks, and you are guaranteed not to lose principal due to market losses
Annual Gain Lock-In
Gains protected permanently each yearInterest credits earned are locked in each contract anniversary and cannot be lost if markets decline afterwards
Free Withdrawals
10% per year free of penaltiesBeginning in the first contract year, withdraw up to 10% of accumulated value annually without charges or market value adjustment
Tax Deferral
Defer taxes on all interest creditsGrowth accumulates tax-free until money is withdrawn
Fixed Strategy Option
Rate declared annually by AtheneAlternatively, allocate funds to a guaranteed fixed rate of interest credited daily
Death Benefit
Full value passes to heirsBeneficiary receives the greater of accumulated value or minimum guaranteed contract value
Confinement & Terminal Illness Waiver
Full access to funds in qualifying situationsWithdraw 100% without penalties if confined to care facility for 60+ days or diagnosed with terminal illness
Bailout Feature
Flexibility and protection if rates declineIf Athene lowers the S&P 500 index strategy cap rate below a specified bailout rate, access full accumulated value penalty-free for 30 days
Minimum Guaranteed Contract Value
Downside protection on baseline guaranteeEnsures a minimum interest crediting rate on a percentage of your premium while the contract is in effect
Highlights
Growth potential linked to stock market index performance with guaranteed 0% floor—you never lose money to market downside
Lock in gains annually and keep them even if markets decline—interest credits are locked in each contract anniversary
10% free withdrawal each year plus access to 100% of funds for confinement or terminal illness without penalties
Backed by A+ rated Athene with $363.3 billion in assets and strategic partnership with Apollo Global Management
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
Conservative to moderate investors nearing or in retirement who want tax-deferred growth potential tied to market performance but cannot tolerate stock market losses and value annual gains being locked in permanently.
Consider Alternatives If
Investors who need immediate access to funds without penalties, who require short-term liquidity, or who believe significant market growth will substantially outweigh the downside protection benefits.
Carrier Ratings
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