Athene Protector 7
Athene Annuity and Life Company
9%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity that offers growth potential tied to market index performance while protecting your principal from market losses. Designed for retirement savers who want upside potential with downside protection.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
7 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
Downside Protection
0% minimum interest guaranteeYour money is guaranteed to never decrease due to market performance
Free Withdrawals
Up to 10% annuallyAccess your money without penalties for unexpected needs
Index Growth Potential
1-year crediting strategies availableEarn interest based on positive performance of market indexes
Gain Lock-In
Annual lock-in featureInterest credits are locked in each contract anniversary and cannot be lost
Minimum Interest Credit
Optional for additional chargeOptional rider guarantees minimum interest if total credits fall short
Return of Premium
Optional during surrender charge periodOptional protection guarantees you can get back your initial investment
Highlights
Protect your savings from market downturns with guaranteed 0% minimum interest
Earn growth potential linked to market index performance without direct stock market risk
Access up to 10% of your money penalty-free each year for unexpected needs
Lock in gains each contract anniversary - once credited, interest can't be lost to market declines
Optional guarantees available for minimum interest credits and return of premium protection
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
3.9%
Yr 7
2.7%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Conservative retirement savers who want growth potential with principal protection and some liquidity access.
Consider Alternatives If
Investors seeking immediate liquidity or those comfortable with direct market risk for potentially higher returns.
Carrier Ratings
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