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Athene Amplify 3.0

The Athene Annuity and Life Company, founded in 1896, is a top provider of retirement solutions. As a subsidiary of Athene Holding Ltd., the company focuses on providing a great variety of annuity types, including fixed, variable, and fixed-indexed annuities, designed not only to offer financial stability but to cater to each clients’ unique risk tolerance as well. Their high credit score from big-time agencies like A.M. Best, Moody’s, and Standard & Poor’s serve as evidence of their reliability in delivering the best possible retirement solutions to clients.

Athene Amplify 3.0

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About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

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

Launch Date

05/01/2026

A single premium registered index-linked deferred annuity with a 6-year Withdrawal Charge Schedule. With Amplify 3.0, you can allocate money among a wide variety of Index-Linked Segment Options. These options have three components: a buffer, a term period and an underlying market index. This gives you the flexibility to customize your plan based upon your specific needs.

Performance Blend
Performance Blend is a weighted average return of three different indices (SPX, RTY, MXEA) where at the Segment End Date, 50% of the index change used to determine Segment Credits is based on the return of the best performing Index, 30% is based on the return of the second-best performing Index and 20% is based on the return of the lowest performing Index. The Cap Rate, Participation Rate and Buffer Rate are then applied to this weighted average return.

Performance Lock
Performance Lock allows you to capture and lock in performance for any Index-Linked Segment Option. Once per term, you can lock in your Segment Value, protecting your money from potential market declines. From the Performance Lock Date until funds are re-allocated, the locked funds will earn interest at the current Annual Interest Rate used for the Fixed Segment Option. After locking, you can reallocate immediately to continue seeking growth and reset buffer protection, earn a declared interest rate until your Segment Anniversary, or reallocate on a date of your choosing up to 14 days before your Segment Anniversary. Re-Entry Requests can be made up to 16 times within a Segment Year.

Available in states: AL, AK, AZ, AR, 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, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
6-Year S&P 500 Dual Trigger with 30% Buffer	Dual Direction Trigger 6-Year	41% Performance triggered
6-Year S&P 500 Dual Trigger with 20% Buffer	Dual Direction Trigger 6-Year	47% Performance triggered
1-Year S&P 500 Dual Trigger with 20% Buffer	Dual Direction Trigger Annual	7% Performance triggered
1-Year S&P 500 Dual Trigger with 10% Buffer	Dual Direction Trigger Annual	9.5% Performance triggered
6-Year S&P 500 Dual Trigger with 10% Buffer	Dual Direction Trigger 6-Year	54% Performance triggered
6-Year S&P 500 Dual Direction Cap with Participation Rate with 20% Buffer	Dual Directional 6-Year	105% Participation
1-Year S&P 500 Dual Direction Cap with Participation Rate with 10% Buffer	Dual Directional Annual	100% Participation 16% Cap
1-Year S&P 500 Dual Direction Cap with Participation Rate with 10% Buffer	Dual Directional Annual	100% Participation 13.75% Cap
6-Year S&P 500 Dual Direction Cap with Participation Rate with 20% Buffer	Dual Directional 6-Year	100% Participation 75% Cap
1-Year Fixed Account	Fixed	3% Fixed
6-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	110% Participation
2-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	100% Participation 80% Cap
1-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 19.5% Cap
1-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer	Point to Point Annual	100% Participation 12.75% Cap
1-Year Nasdaq-100 PTP Cap with Participation Rate with 100% Buffer	Point to Point Annual	100% Participation 7% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 100% Buffer	Point to Point 6-Year	100% Participation 58% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	100% Participation
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	110% Participation
2-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	110% Participation
2-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point Biennial	100% Participation 45% Cap
2-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer	Point to Point Biennial	100% Participation 38% Cap
6-Year Blend PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	105% Participation
6-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	100% Participation
6-Year Nasdaq-100 PTP Cap with Participation Rate with 100% Buffer	Point to Point 6-Year	100% Participation 85% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 100% Buffer	Point to Point 6-Year	100% Participation 90% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	115% Participation
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	125% Participation
6-Year S&P 500 PTP Cap with Participation Rate with 30% Buffer	Point to Point 6-Year	110% Participation
6-Year Nasdaq-100 PTP Cap with Participation Rate with 30% Buffer	Point to Point 6-Year	100% Participation 120% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 1% Buffer	Point to Point 6-Year	130% Participation
6-Year S&P 500 PTP Cap with Participation Rate with 30% Buffer	Point to Point 6-Year	100% Participation 75% Cap
6-Year Nasdaq-100 PTP Cap with Participation Rate with 30% Buffer	Point to Point 6-Year	100% Participation 70% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 1% Buffer	Point to Point 6-Year	115% Participation
6-Year Blend PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	100% Participation 100% Cap
2-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	130% Participation
1-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 25.5% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point Annual	100% Participation 15% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 100% Buffer	Point to Point Annual	100% Participation 9% Cap
1-Year Nasdaq-100 PTP Cap with Participation Rate with 100% Buffer	Point to Point Annual	100% Participation 9.5% Cap
1-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer	Point to Point Annual	100% Participation 16% Cap
1-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 26% Cap
1-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 35% Cap
1-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation
1-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 18.5% Cap
1-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 25.5% Cap
6-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	100% Participation 120% Cap
6-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	100% Participation 90% Cap
6-Year Nasdaq-100 PTP Cap with Participation Rate with 100% Buffer	Point to Point 6-Year	100% Participation 55% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 100% Buffer	Point to Point Annual	100% Participation 6.75% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point Annual	100% Participation 11.75% Cap
1-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point Annual	100% Participation 17% Cap
2-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	100% Participation 50% Cap
2-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point Biennial	100% Participation 27% Cap
2-Year Nasdaq-100 PTP Cap with Participation Rate with 20% Buffer	Point to Point Biennial	100% Participation 29% Cap
2-Year Nasdaq-100 PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	100% Participation 42% Cap
2-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	100% Participation 70% Cap
2-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	115% Participation
2-Year Russell 2000 PTP Cap with Participation Rate with 10% Buffer	Point to Point Biennial	107% Participation
1-Year S&P 500 Performance Triggered with 10% Buffer	Performance Triggered Annual	11% Performance triggered

Surrender schedule

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

Riders

No Riders for Athene Amplify 3.0 annuity.

Waivers

Terminal Illness

After the first Contract Anniversary, you can withdraw up to 100% of your Contract Value if any Owner is diagnosed with a Terminal Illness expected to result in death within 12 months. Initial diagnosis must occur after the Contract Date. Withdrawal Charges and Interest Adjustments will not apply.

Confinement

After the first Contract Anniversary, you can withdraw up to 100% of your Contract Value if any Owner is confined to a Qualified Care facility for at least 60 consecutive days. Confinement must begin after the Contract Date. Withdrawal Charges and Interest Adjustments will not apply.

RMD

RMDs required by the IRS can be taken from the contract and count as part of the annual Free Withdrawal amount. No additional Withdrawal Charges apply to RMD amounts.

Premium Notes

Premium Minimum - $10,000
Premium Maximum - $1,000,000

Withdrawal Provisions

Withdrawals Annual free withdrawal amount: 10% of last anniversary value is available to withdraw without surrender charge. There is no free withdrawal during the time money is allocated to the Holding Account. An Equity Adjustment will apply to the full amount of any Withdrawal from an Index-Linked Segment Option.Interest Adjustment The amount of an adjustment (increase or decrease) that may be applied to amounts withdrawn in excess of the annual free withdrawal amount during the first six Contract Years. The Interest Adjustment approximates any change in the value of fixed income assets supporting your Contract. See the prospectus for more details.

Company Founded: 1909

TOP Rated Company

Athene Annuity and Life Company

Company Ratings

4.5