Athene Accumulator 5 Rate & Reviews

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	4% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	9.25% Cap
1-Year S&P 500 DRC 5% TR PTP Participation Rate	Point to Point Annual	90% Participation
1-Year AI Powered US Equity PTP Participation Rate	Point to Point Annual	185% Participation
1-Year Nasdaq FC PTP Participation Rate	Point to Point Annual	125% 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	195% Participation
2-Year AI Powered US Equity PTP Participation Rate	Point to Point Biennial	250% Participation
1-Year Fixed Account	Fixed	4.3% Fixed
1-Year S&P 500 DRC 5% TR PTP Participation Rate	Point to Point Annual	95% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	10% 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	210% Participation
2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate	Point to Point Biennial	320% 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	135% Participation
1-Year AI Powered US Equity PTP Participation Rate	Point to Point Annual	195% Participation
1-Year Fixed Account (CA Only)	Fixed	3% Fixed
1-Year Fixed Account (CA Only)	Fixed	3% Fixed

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)