Athene Ascent Pro 10 Bonus
Athene Annuity and Life Company
5.5%
Best Cap
10%
Free W/D
50
States
The Athene Ascent Pro 10 Bonus is a fixed indexed annuity designed to grow your retirement savings with market-linked interest while protecting you from market downturns, then provide guaranteed lifetime income when you're ready to retire.
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 | -- | 130% | -- |
| AI Powered Global Opportunities Index | Annual | -- | 95% | -- |
| AI Powered US Equity Index | 2-Year | -- | 150% | -- |
| AI Powered US Equity Index | Annual | -- | 112% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | 2-Year | -- | 190% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 140% | -- |
| Nasdaq FC Index | 2-Year | -- | 120% | -- |
| Nasdaq FC Index | Annual | -- | 80% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | 2-Year | -- | 83% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 62% | -- |
| S&P 500 Index | Annual | 5.5% | 100% | -- |
| UBS Innovative Balanced Index | 2-Year | -- | 130% | -- |
| UBS Innovative Balanced Index | Annual | -- | 95% | -- |
| Fixed Account | Daily | -- | -- | 2.85% |
Key Features
Premium Bonus
Up to 20% of initial premiumImmediate boost to your starting value that grows with your account
Indexed Strategies
0% minimum, unlimited upside potentialPotential to earn interest based on stock market index performance with a floor of 0% (never negative)
Fixed Strategy
Company-declared guaranteed rateGuaranteed annual interest rate that Athene declares each year
Income Base Growth
10% simple interest for years 1-20Your income base grows during accumulation phase, increasing future lifetime income payments
Lifetime Income Withdrawals
Single or joint life payments, monthly/quarterly/annualThree payout options (Level, Earnings-Indexed, Accelerated) to match your income needs
Enhanced Income Benefit
Available with physician certification and ADL requirementsIncome increases if you need long-term care, for up to 60 months
Free Withdrawals
10% annually, RMDs fully exemptAccess to a portion of your money each year without surrender charges
Extended Income Guarantee
Guaranteed for life once income phase beginsContinued lifetime income payments even after your account value reaches zero
Death Benefit
Greater of Accumulated Value or MGCVYour beneficiary receives either your account value or minimum guaranteed value, whichever is greater
Tax-Deferred Growth
Deferred taxation on all earningsInterest credits accumulate without annual tax consequences until you withdraw
Highlights
Guaranteed lifetime income that you can't outlive, even after your money runs out
Growth potential tied to stock market index performance without direct stock market risk
Premium Bonus of up to 20% provides an immediate boost to your annuity value
Built-in income rider lets you grow your income base for up to 20 years before taking withdrawals
Multiple withdrawal options including free 10% annual access and RMD-friendly features
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
12%
Yr 4
11%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
4%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and pre-retirees seeking predictable lifetime income with growth potential, who want principal protection from market downturns, and who value tax deferral and flexibility in when and how much to withdraw.
Consider Alternatives If
Those who need immediate access to all their funds, are uncomfortable with 10-year surrender charge periods, or require liquidity beyond the 10% annual free withdrawal allowance without penalties.
Carrier Ratings
Free Comparison Report
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