Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Athene Accumulator 5

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

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.*
*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

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)