Fixed index annuity review and rates

Athene BCA 8 2.0 FER MAX

BCA 2.0 is a single-premium fixed indexed annuity that combines growth opportunities and protection from downside market risk.
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 Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
135% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
180% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
260% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
135% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
145% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
190% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
135% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
180% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
37% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
57% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
180% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
BCA 2.0 FER Max Death Benefit Yes 1.25% annually
BCA 8 2.0 SGO Max w/FER No 1.00% annually (1.40% max)
BCA 8 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
9%
Surrender schedule
8 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