Athene Accumulator 7
Athene Annuity and Life Company
9%
Best Cap
10%
Free W/D
50
States
Athene Accumulator is a fixed indexed annuity designed to help you grow retirement savings with index-linked interest credits and downside market protection. It's ideal for conservative investors who want growth potential without direct stock market risk.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
7 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 Strategies
Potential for higher returns than fixed strategiesInterest credits based in part on upward movement of external market indices, credited at end of each Index Term Period with a guaranteed 0% minimum
Fixed Strategy
Stable, predictable growthGuaranteed interest rate declared by Athene each contract year, credited daily to your annuity
Free Withdrawals
10% annual accessAccess up to 10% of accumulated value each contract year without withdrawal charges or market value adjustment
Downside Protection
Principal protectionYour money is not directly exposed to stock market or individual stock risks; guaranteed never to lose money due to market losses
Tax Deferral
Tax-deferred accumulationNo taxes owed on growth until you withdraw money
Death Benefit
Guaranteed legacy payoutBeneficiary receives full accumulated value or minimum guaranteed contract value, whichever is greater
Bailout Feature
Protection against rate reductionsFull access to accumulated value without charges if Athene lowers the S&P 500 Index Strategy cap below the bailout cap rate for 30 days
Confinement Waiver
Long-term care flexibilityWithdraw 100% of accumulated value without charges if confined to qualified care facility for 60+ consecutive days
Terminal Illness Waiver
End-of-life financial accessWithdraw 100% of accumulated value without charges if diagnosed with terminal illness expected to result in death within one year
Minimum Guaranteed Contract Value
Downside interest guaranteeEnsures minimum interest crediting rate on a percentage of premium, adjusted for withdrawals, while contract is in effect
Highlights
Growth potential based on stock market index performance with guaranteed 0% floor—you never lose money to market downside
Lock in gains at each contract anniversary while still participating in upside market movements
Tax-deferred growth on your accumulated value until you withdraw
Flexible access with 10% annual free withdrawals plus waivers for confinement, terminal illness, and RMDs
Backed by A+ financial strength ratings from S&P, Fitch, and AM Best
Surrender Schedule
Yr 1
8%
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
Conservative to moderate investors seeking retirement growth with downside market protection, tax deferral, and liquidity flexibility, particularly those wanting indexed returns without direct stock exposure.
Consider Alternatives If
Investors needing immediate access to all funds, those in high tax brackets who don't benefit from tax deferral, or those seeking daily liquidity without surrender charges.
Carrier Ratings
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