Athene Protector 5
Athene Annuity and Life Company
9%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that helps you save for retirement by capturing market gains while protecting against losses, with flexible access to your money when needed.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 200% | -- |
| Nasdaq FC Index | Annual | -- | 120% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 92% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.55% |
Key Features
Market Protection
0% floor guaranteeYour money never loses value due to market downturns
Free Withdrawals
Up to 10% annuallyAccess your money without penalties
Index Strategies
1-year point-to-point strategiesEarn interest based on market index performance with caps
Minimum Interest Credit
Available for a chargeOptional guarantee of minimum interest over the contract term
Return of Premium
Available for a chargeOptional guarantee to get your initial investment back anytime during surrender period
Health Waivers
No surrender chargesAccess 100% of your money for terminal illness or nursing home care
Highlights
Grow your retirement savings with market upside potential while protecting against market losses
Access up to 10% of your money each year without penalties, plus protection for unexpected health events
Optional guarantees ensure you'll receive minimum interest even if markets perform poorly
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
5.9%
Yr 5
4.6%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People saving for retirement who want market growth potential with protection from losses and flexible access to their money.
Consider Alternatives If
Those needing immediate income or full liquidity, as this is designed for long-term retirement accumulation.
Carrier Ratings
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