Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Athene Accumulator 10

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

Athene Accumulator can help you reach your retirement savings goals. 
  • Guarantees. Receive a guaranteed Accumulated Value at the end of your Withdrawal Charge period with our Minimum Interest Credit feature. 
  • Growth potential. Pursue additional growth with Interest Credits that are based in part on the performance of an external market index. 
  • Protection from downside market risk. Your money is not directly exposed to the risks of the stock market or individual stocks. 
  • Tax Deferral. Annuities provide the advantage of tax-deferred interest accumulation. You don’t pay taxes on any growth until you withdraw money.
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
4.85% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.25% Cap
1-Year S&P 500 DRC 5% TR PTP Participation Rate
Point to Point
Annual
102% Participation
1-Year AI Powered US Equity PTP Participation Rate
Point to Point
Annual
190% Participation
1-Year Nasdaq FC PTP Participation Rate
Point to Point
Annual
130% Participation
1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Annual
225% Participation
2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Biennial
310% Participation
2-Year Nasdaq FC PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year AI Powered US Equity PTP Participation Rate
Point to Point
Biennial
255% Participation
1-Year Fixed Account
Fixed
5.1% Fixed
1-Year S&P 500 DRC 5% TR PTP Participation Rate
Point to Point
Annual
107% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
11% Cap
2-Year AI Powered US Equity PTP Participation Rate
Point to Point
Biennial
270% Participation
2-Year Nasdaq FC PTP Participation Rate
Point to Point
Biennial
215% Participation
2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Biennial
330% Participation
1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Annual
235% Participation
1-Year Nasdaq FC PTP Participation Rate
Point to Point
Annual
140% Participation
1-Year AI Powered US Equity PTP Participation Rate
Point to Point
Annual
200% Participation
1-Year Fixed Account (CA Only)
Fixed
3% Fixed
2-Year AI Powered Global Opportunities PTP Participation Rate
Point to Point
Biennial
220% Participation
1-Year UBS Innovative Balanced PTP Participation Rate
Point to Point
Annual
165% Participation
2-Year UBS Innovative Balanced PTP Participation Rate
Point to Point
Biennial
220% Participation
1-Year S&P 500 FC PTP Participation Rate
Point to Point
Annual
104% Participation
2-Year S&P 500 FC PTP Participation Rate
Point to Point
Biennial
145% Participation
1-Year AI Powered Global Opportunities PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year Fixed Account (CA Only)
Fixed
3% Fixed
2-Year AI Powered Global Opportunities PTP Participation Rate
Point to Point
Biennial
235% Participation
1-Year UBS Innovative Balanced PTP Participation Rate
Point to Point
Annual
175% Participation
2-Year UBS Innovative Balanced PTP Participation Rate
Point to Point
Biennial
235% Participation
1-Year S&P 500 FC PTP Participation Rate
Point to Point
Annual
112% Participation
2-Year S&P 500 FC PTP Participation Rate
Point to Point
Biennial
155% Participation
1-Year AI Powered Global Opportunities PTP Participation Rate
Point to Point
Annual
175% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

Name Inbuilt Fee
Accumulator Death Benefit Rider No 0.95% annually (0.00% after 10 years)