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Athene Agility 7

The Athene Agility 7 annuity is a wonderful retirement planning tool, designed to secure your golden years. It stands out with its guaranteed interest rates, providing a steady income stream for peace of mind.

This annuity also offers great flexibility. In times of need, you can access your funds without any penalty. It's a perfect blend of stability, safety, and flexibility. Truly a future-focused investment!

Athene Agility 7

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Term

7 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, and IRA-Roth

Launch Date

06/10/2018

Athene Agility annuities are designed to meet your long-term savings and retirement needs. They include a Withdrawal Charge period. If you withdraw more money than the free amount allowed by your contract, or if you surrender the annuity before the Withdrawal Charge period ends, a Withdrawal Charge and MVA may be applied. These charges do not apply to free withdrawals, RMDs, Lifetime Income Withdrawals, payments made in settlement of your annuity’s Death Benefit or Confinement and Terminal Illness waivers. For more information, see the Product Details Insert provided with this brochure.

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	2.7% Fixed
1-Year BNP Paribas Multi-Asset PTP Participation Rate	Point to Point Annual	130% Participation
2-Year BNP Paribas Multi-Asset PTP Participation Rate	Point to Point Biennial	175% Participation
1-Year AI Powered US Equity PTP Participation Rate	Point to Point Annual	105% Participation
2-Year AI Powered US Equity PTP Participation Rate	Point to Point Biennial	135% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	5.25% Cap
2-Year S&P 500 PTP Cap	Point to Point Biennial	10.5% Cap
1-Year Nasdaq FC PTP Participation Rate	Point to Point Annual	75% Participation
2-Year Nasdaq FC PTP Participation Rate	Point to Point Biennial	115% Participation
1-Year Fixed Account (CA Only)	Fixed	2.7% Fixed
1-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Annual	90% Participation
2-Year AI Powered Global Opportunities PTP Participation Rate	Point to Point Biennial	120% Participation
1-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Annual	90% Participation
2-Year UBS Innovative Balanced PTP Participation Rate	Point to Point Biennial	120% Participation
1-Year S&P 500 FC PTP Participation Rate	Point to Point Annual	58% Participation
2-Year S&P 500 FC PTP Participation Rate	Point to Point Biennial	80% Participation

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

Name	Inbuilt	Fee
Athene Agility 7	Yes
Athene Agility 7 (AK, HI, LA, NH, NJ, PA, WA)	Yes

Waivers

Bail-Out

If Athene lowers the declared 1-Year Point-to-Point Index Strategy 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 meets 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.

Premium Notes

Single premium only:
Minimum — $10,000 ($5,000 in AK HI MN MO NJ OR PA TX UT WA)

Maximum — $2,000,000

Withdrawal Provisions

Free WithdrawalsMaximum of 10% of Accumulated Value or 10% of Initial Premium per year. Withdrawals may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59½ Market Value AdjustmentA Market Value Adjustment applies to withdrawals in excess of the free withdrawal amount and full surrenders during the Withdrawal Charge period. 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.

Company Founded: 1909

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Athene Annuity and Life Company

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