Fixed index annuity review and rates

Athene BCA 12 2.0

BCA 2.0 is a single-premium fixed indexed annuity that combines growth opportunities and protection from downside market risk.
Available in states: AL, AZ, AR, CO, DC, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, NE, NM, NC, ND, RI, SD, TN, VT, VA, WV, WI, and WY

Allocation Accounts

Name Type Rates
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
42% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
65% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
155% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
165% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
210% Participation
2-Year Wisdom Tree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
155% Participation
2-Year Wisdom Tree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
155% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
225% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
285% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10 11 12
Penalty 15% 14% 14% 13% 12% 11% 10% 9% 8% 7% 6% 4%

Riders

Name Inbuilt Fee
BCA 12 2.0 SGO Max No 1.00% annually (1.40% max)
BCA 12 2.0 Flex Growth No 1.00% annually (1.40% max)
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%
Surrender schedule
12 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