Fixed index annuity review and rates

Athene Accumulator 5

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.*
*Under current tax law, the Internal Revenue Code already provides tax deferral on qualified money, so there is no additional tax benefit obtained by funding an IRA with an annuity. Consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit.
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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
2.85% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.75% Cap
1-Year S&P 500 DRC 5% TR PTP Participation Rate
Point to Point
Annual
105% Participation
1-Year AI Powered US Equity PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year Nasdaq FC PTP Participation Rate
Point to Point
Annual
120% Participation
1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Annual
215% Participation
2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Biennial
300% Participation
2-Year Nasdaq FC PTP Participation Rate
Point to Point
Biennial
190% Participation
2-Year AI Powered US Equity PTP Participation Rate
Point to Point
Biennial
245% Participation
1-Year Fixed Account
Fixed
3% Fixed
1-Year S&P 500 DRC 5% TR PTP Participation Rate
Point to Point
Annual
115% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.5% Cap
2-Year AI Powered US Equity PTP Participation Rate
Point to Point
Biennial
265% Participation
2-Year Nasdaq FC PTP Participation Rate
Point to Point
Biennial
205% Participation
2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Biennial
325% Participation
1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Annual
230% Participation
1-Year Nasdaq FC PTP Participation Rate
Point to Point
Annual
130% Participation
1-Year AI Powered US Equity PTP Participation Rate
Point to Point
Annual
190% Participation

Surrender schedule

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

Riders

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