Athene Accumulator 5
Get an annuity today!
Learn how an annuity can provide guaranteed income for life.
Highlights
Athene Accumulator can help you reach your retirement savings goals.
Guarantees
Guarantees
Receive a guaranteed Accumulated Value at the end of your Withdrawal Charge period with our Minimum Interest Credit feature.
Growth potential
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
Protection from downside market risk
Your money is not directly exposed to the risks of the stock market or individual stocks.
Tax Deferral
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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
5 Years |
|
Surrender schedule
|
8%8%7%6%5% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
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 |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.65%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
10%
Cap
|
| 1-Year S&P 500 DRC 5% TR PTP Participation Rate |
Point to Point
Annual
|
92%
Participation
|
| 1-Year AI Powered US Equity PTP Participation Rate |
Point to Point
Annual
|
170%
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
|
205%
Participation
|
| 2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate |
Point to Point
Biennial
|
285%
Participation
|
| 2-Year Nasdaq FC PTP Participation Rate |
Point to Point
Biennial
|
185%
Participation
|
| 2-Year AI Powered US Equity PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year Fixed Account |
Fixed
|
4.85%
Fixed
|
| 1-Year S&P 500 DRC 5% TR PTP Participation Rate |
Point to Point
Annual
|
102%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
10.75%
Cap
|
| 2-Year AI Powered US Equity PTP Participation Rate |
Point to Point
Biennial
|
255%
Participation
|
| 2-Year Nasdaq FC PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate |
Point to Point
Biennial
|
310%
Participation
|
| 1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate |
Point to Point
Annual
|
225%
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
|
| 1-Year Fixed Account (CA Only) |
Fixed
|
3%
Fixed
|
| 2-Year S&P 500 FC PTP Participation Rate |
Point to Point
Biennial
|
130%
Participation
|
| 2-Year AI Powered Global Opportunities PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 1-Year UBS Innovative Balanced PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
| 1-Year AI Powered Global Opportunities PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
| 2-Year UBS Innovative Balanced PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 1-Year S&P 500 FC PTP Participation Rate |
Point to Point
Annual
|
94%
Participation
|
| 1-Year Fixed Account (CA Only) |
Fixed
|
3%
Fixed
|
| 2-Year S&P 500 FC PTP Participation Rate |
Point to Point
Biennial
|
145%
Participation
|
| 1-Year S&P 500 FC PTP Participation Rate |
Point to Point
Annual
|
104%
Participation
|
| 2-Year UBS Innovative Balanced 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 AI Powered Global Opportunities PTP Participation Rate |
Point to Point
Biennial
|
220%
Participation
|
| 1-Year AI Powered Global Opportunities PTP Participation Rate |
Point to Point
Annual
|
165%
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) |