Fixed index annuity review and rates

Athene Accumulator 7

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
2.9% 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
110% 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
220% Participation
2-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Biennial
315% 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
260% Participation
1-Year Fixed Account
Fixed
3% Fixed
1-Year S&P 500 DRC 5% TR PTP Participation Rate
Point to Point
Annual
120% 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
275% 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
340% 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
135% Participation
1-Year AI Powered US Equity PTP Participation Rate
Point to Point
Annual
195% Participation

Surrender schedule

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

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
7 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