Athene Accumulator 5: Rates & Review

Highlights

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

Type	Fixed Index
Purpose	Accumulation & Legacy
Term	5 Years
Surrender schedule	8%8%7%6%5%
Free withdrawal	10%
Market value adjustment
Return of premium
Launch date	01/17/2017
Minimum contribution	$10,000
Maximum contribution	$2,000,000
Max Age Qualified	85
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
Brochure	Open brochure

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Withdrawal Provisions

Free Withdrawal
The Accumulator product allows for Free Partial Withdrawals, up to 10% of the AV, each year. On qualified contracts, RMD withdrawals can also be taken free of withdrawal charges. A Free Withdrawal is a withdrawal not subject to Withdrawal Charges or Market Value Adjustment. The Free Withdrawal amount will be equal to 10% of the Accumulated Value as of the Contract Anniversary on the first day of that Contract Year. For qualified contracts, required minimum distribution (RMD) withdrawals are available in all Contract Years and are not subject to Withdrawal Charges or Market Value Adjustment.

Market Value Adjustment

A Market Value Adjustment applies to withdrawals in excess of the free withdrawal amount and full surrenders during the withdrawal charge period. If you take a withdrawal before the end of your withdrawal charge period, an MVA will be applied to that withdrawal. If interest rates in the market are higher than when you purchased your annuity, the MVA is negative, meaning an additional amount is deducted from your contract value. The MVA may increase or decrease the amount of the Withdrawal or Cash Surrender Value of your Contract depending on the change in interest rates. If interest rates have increased, stayed the same, or decreased by less than 0.25%, the MVA will be negative. If interest rates have decreased by more than 0.25%, the MVA will be positive.

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	4.9% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	10.75% 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	190% Participation
1-Year Nasdaq FC PTP Participation Rate	Point to Point Annual	135% Participation
1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate	Point to Point Annual	230% 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	205% Participation
2-Year AI Powered US Equity PTP Participation Rate	Point to Point Biennial	250% Participation
1-Year Fixed Account	Fixed	5.15% 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	11.5% Cap
2-Year AI Powered US Equity PTP Participation Rate	Point to Point Biennial	265% 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	330% Participation
1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate	Point to Point Annual	245% Participation
1-Year Nasdaq FC PTP Participation Rate	Point to Point Annual	142% Participation
1-Year AI Powered US Equity PTP Participation Rate	Point to Point Annual	200% Participation
1-Year Fixed Account (CA Only)	Fixed	3% Fixed
2-Year S&P 500 FC PTP Participation Rate	Point to Point Biennial	142% Participation
2-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Biennial	220% Participation
1-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Annual	165% Participation
1-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Annual	165% Participation
2-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Biennial	220% Participation
1-Year S&P 500 FC PTP Participation Rate	Point to Point Annual	105% Participation
1-Year Fixed Account (CA Only)	Fixed	3% Fixed
2-Year S&P 500 FC PTP Participation Rate	Point to Point Biennial	150% Participation
1-Year S&P 500 FC PTP Participation Rate	Point to Point Annual	112% Participation
2-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Biennial	235% Participation
1-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Annual	175% Participation
2-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Biennial	235% Participation
1-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Annual	175% 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)

Waivers

Bail-Out

If Athene lowers the declared 1-Year Point-to-Point Index Strategy Annual Cap Rate below the Bailout Cap Rate, you’ll have full access to your annuity’s Accumulated Value — free of any charges for up to 30 days after the Contract Anniversary in which the Bailout Cap Rate was pierced. After the 30-day Bailout Window, all charges may apply.

Terminal Illness

Unavailable in states: CA

You can withdraw up to 100% of your annuity’s Accumulated Value if the Annuitant is diagnosed with a Terminal Illness that is expected to result in death within one-year and you meet the eligibility requirements. This waiver is available after your first Contract Anniversary. You may not be diagnosed during the first Contract Year. Additional limitations, state variations and exclusions may apply. Please see the Certificate of Disclosure for more information.

Confinement

Unavailable in states: CA, and MA

After the first Contract Year, you can withdraw up to 100% of your annuity's Accumulated Value if the Annuitant is confined to a Qualified Care facility for at least 60 consecutive days and meet the eligibility requirements. Confinement must begin after the first contract year. Additional limitations, state variations and exclusions may apply. Please see the Certificate of Disclosure for more information.

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