Fixed index annuity review and rates

Athene BCA 10 2.0 FER

BCA 10 2.0 fixed indexed annuity with the Family Endowment Rider (FER) can help you take control of your retirement. It offers an up-front Premium Bonus and growth potential based in part on the positive movement of an index while protecting your retirement savings from downside market risk. 

The FER, an optional rider available with BCA 10 2.0 for an additional charge, offers an Enhanced Death Benefit guaranteed to grow daily at a 3% compound annual rate, regardless of what happens in the markets.2 Beneficiaries receive the greatest of the Cash Surrender Value, Balanced Allocation Value or Enhanced Death Benefit value. 
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, 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
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
265% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
205% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
185% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
140% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
40% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
60% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
185% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
140% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
150% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
195% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
140% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
185% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
BCA 2.0 FER Death Benefit Yes 0.85% annually
BCA 10 2.0 SGO Max w/FER No 1.00% annually
BCA 10 2.0 Flex Growth w/FER No 1.00% annually
Athene Annuity and Life Company
Founded: 1909
A.M. Best: A
Fitch: A+
S&P: A
Moody's: A1
Carrier details
Free withdrawal
1st year: 5%
2nd+ year: 10%
Premium bonus
8%
Surrender schedule
10 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, and IRA-Roth