Fixed index annuity review and rates

Athene AccuMax 5

Athene AccuMax 5 Annuity is a Single Premium Indexed Deferred Annuity which is primarily intended for customers seeking a long-term retirement savings vehicle. 
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.15% Fixed
1-Year AI Powered Multi-Asset PTP Participation Rate
Point to Point
Annual
155% Participation
5-Year AI Powered Multi-Asset PTP Participation Rate
Point to Point
5-Year
300% Participation
5-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
5-Year
290% Participation
1-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Annual
140% Participation
5-Year S&P 500 PTP Participation Rate
Point to Point
5-Year
75% Participation
5-Year S&P 500 PTP Participation Rate with -10% Floor
Point to Point
5-Year
Annual sum
65% Participation
1-Year Fixed Account
Fixed
3.3% Fixed
1-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Annual
145% Participation
5-Year S&P 500 PTP Participation Rate
Point to Point
5-Year
80% Participation
5-Year AI Powered Multi-Asset PTP Participation Rate
Point to Point
5-Year
315% Participation
5-Year S&P 500 PTP Participation Rate with -10% Floor
Point to Point
5-Year
Annual sum
70% Participation
1-Year AI Powered Multi-Asset PTP Participation Rate
Point to Point
Annual
160% Participation
5-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
5-Year
305% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 8% 8% 7% 6% 5%
Athene Annuity and Life Company
Founded: 1909
A.M. Best: A
Fitch: A+
S&P: A
Moody's: A1
Carrier details
Free withdrawal
10%
Surrender schedule
5 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, and Inherited IRA