Athene Velocity
Athene Annuity and Life Company
10%
Free W/D
50
States
A fixed indexed annuity that protects your principal while providing growth potential based on market index performance, with a built-in income rider for guaranteed lifetime withdrawals.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| MSCI MKT MediaStats Multi-Asset Index | 2-Year | -- | 130% | -- |
| RAFI Harvey GS Index | 2-Year | -- | 235% | -- |
| Shiller Barclays CAPE Allocator 6 Index | 2-Year | -- | 165% | -- |
| Shiller Barclays Global Index | 2-Year | -- | 155% | -- |
| S&P 500 Distance Stabilizer TCA Index (USD) ER | 2-Year | -- | 105% | -- |
| S&P 500 Index | 2-Year | -- | 45% | -- |
| WisdomTree Siegel Strategic Value Index | 2-Year | -- | 185% | -- |
Key Features
Free Withdrawals
10% annuallyTake up to 10% of your account value annually without penalty
Built-in Income Rider
175% of earningsIncome base grows at 175% of interest earnings for lifetime withdrawals
Principal Protection
100% protectionYour initial investment is protected from market downturns
Index Participation
Varies by termEarn interest based on market index performance with participation rates
Death Benefit
Enhanced options availableBeneficiaries receive the greater of account value or balanced allocation value
Surrender Charges
9.6% year 1 to 1% year 10Penalties for early withdrawal decrease over time
Highlights
Built-in income rider that grows at 175% of interest earnings for guaranteed lifetime income
Principal protection with upside potential tied to market index performance
10% free withdrawals annually without penalty after first year
Enhanced death benefit options available through optional riders
Return of charge guarantee ensures you never lose your premium plus bonus
Surrender Schedule
Yr 1
9.6%
Yr 2
9.2%
Yr 3
8.2%
Yr 4
7.2%
Yr 5
6.2%
Yr 6
5.2%
Yr 7
4.2%
Yr 8
3.1%
Yr 9
2.1%
Yr 10
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Individuals seeking principal protection with growth potential and guaranteed lifetime income for retirement planning.
Consider Alternatives If
People with short-term financial needs or those requiring access to more than 10% annually should avoid this product.
Carrier Ratings
Free Comparison Report
Get a personalized Athene Velocity illustration
See year-by-year projections for your specific age, premium, and income goals.