Athene Ascent Pro 10
Athene Annuity and Life Company
7.25%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity designed to grow your retirement savings while protecting you from market downturns, then convert to guaranteed lifetime income whenever you're ready. Ideal for retirees who want security, growth potential, and the certainty of income that lasts as long as they live.
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 | -- | 160% | -- |
| AI Powered Global Opportunities Index | Annual | -- | 120% | -- |
| AI Powered US Equity Index | 2-Year | -- | 190% | -- |
| AI Powered US Equity Index | Annual | -- | 145% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | 2-Year | -- | 245% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 180% | -- |
| Nasdaq FC Index | 2-Year | -- | 160% | -- |
| Nasdaq FC Index | Annual | -- | 105% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | 2-Year | -- | 110% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 80% | -- |
| S&P 500 Index | Annual | 7.25% | 100% | -- |
| UBS Innovative Balanced Index | 2-Year | -- | 160% | -- |
| UBS Innovative Balanced Index | Annual | -- | 120% | -- |
| Fixed Account | Daily | -- | -- | 3.8% |
Key Features
Income Base Growth
10% annual simple interest guaranteed for years 1-20During the growth phase (up to 20 years or when income starts), your Income Base grows at a guaranteed simple interest rate, which determines how much lifetime income you'll receive
Indexed Interest Credits
0% floor; upside participation in index gainsPotential to earn interest based on upward movement of a stock market index, with a floor of 0% so you never earn negative returns in down markets
Level Income Option
Guaranteed for lifetimeReceive the same guaranteed income payment every month for the rest of your life, regardless of market conditions
Earnings-Indexed Income Option
Variable; starts lower, grows with earningsYour income can increase each year based on interest credits earned, starting lower than Level Income but with growth potential
Free Withdrawals
10% annual free withdrawalWithdraw up to 10% of your Accumulated Value each year penalty-free
Minimum Purchase
$10,000 (lower in some states)Low entry point for starting your annuity
Death Benefit
Full value to beneficiaryYour beneficiary receives the greater of your Accumulated Value or Minimum Guaranteed Contract Value
Enhanced Income Benefit
Up to 60 months of multiplied incomeIf you need care facility services or cannot perform Activities of Daily Living, your income increases for up to 60 months
Confinement & Terminal Illness Waivers
Full access, no surrender chargesAccess 100% of your Accumulated Value penalty-free if confined to care facility for 60+ days or diagnosed with terminal illness
RMD-Friendly
No impact on income riderRequired minimum distributions don't reduce your future income payments and count toward your free withdrawal limit
Highlights
Built-in income rider grows your guaranteed income amount for up to 10 years before you start taking withdrawals
Protected from stock market losses while still earning interest based on index performance
Guaranteed lifetime income payments that continue even after your savings run out
Flexibility to grow your savings tax-deferred or start income withdrawals on your timeline
Enhanced income benefit available if you need care, with up to 60 months of increased payments
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 50+ who want to convert a portion of their savings into guaranteed lifetime income, prefer protection from market downturns over aggressive growth, and value the ability to delay income while letting their Income Base grow.
Consider Alternatives If
Those who need immediate access to all their money without penalties, are uncomfortable with surrender charges in the first 10 years, or have a very short time horizon.
Carrier Ratings
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