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Athene Aviator 10
Athene Aviator 10
About Product
Daily Values
Your contract’s Daily Value shows the “real-time” worth of your annuity on any given day. It tracks unearned credits by looking at the index performance intra-crediting-term to date of applicable strategies and can grant those credits for qualifying events such as Death, Annuitization, Terminal Illness or Confinement.
Index Lock
This feature locks the Index Price for use in calculating contract values thereafter, such as Free Withdrawal Gains, Daily Value and Interest Credits. The Index Lock feature can be used to reduce future market volatility on contract values. This feature is not available for the 1-Yr PTP S&P 500 option.
Diversified Blend Strategy
A Diversified Blend Strategy (DBS) is a unique approach to diversify index exposure and automatically rebalance exposures over time. Choose from 1-, 2-, or 5-year Point-to-Point options diversified across three exclusive custom indices. DBS can be used alone or supplemented with Individual Strategy allocations for further diversification.
Strategy Preset
Strategy Preset builds on the diversification and automatic rebalancing components of Diversified Blend Strategies, by combining DBS with automated strategy transfers. This allows Strategy Preset to, additionally, diversify across crediting term length and start time - all while maintaining the potential for interest credits on a portion of your contract each year. Simply select one of three preset options — Conservative, Balanced or Growth – and your annuity’s renewing DBS value is automatically rebalanced each year to help keep your chosen strategy on track.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.85%
Fixed
|
| 5-Year S&P 500 PTP Participation Rate |
Point to Point
5-Year
|
67%
Participation
|
| 1-Year BofA Multi-Asset FC 7 PTP Participation Rate |
Point to Point
Annual
|
130%
Participation
|
| 5-Year BofA Multi-Asset FC 7 PTP Participation Rate |
Point to Point
5-Year
|
270%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.25%
Cap
|
| 2-Year BofA Multi-Asset FC 7 PTP Participation Rate |
Point to Point
Biennial
|
170%
Participation
|
| 5-Year S&P 500 FC 7% PTP Participation Rate |
Point to Point
5-Year
|
270%
Participation
|
| 1-Year S&P 500 FC 7% PTP Participation Rate |
Point to Point
Annual
|
130%
Participation
|
| 2-Year S&P 500 FC 7% PTP Participation Rate |
Point to Point
Biennial
|
170%
Participation
|
| 2-Year Invesco QQQ FC 7 PTP Participation Rate |
Point to Point
Biennial
|
170%
Participation
|
| 1-Year Invesco QQQ FC 7 PTP Participation Rate |
Point to Point
Annual
|
130%
Participation
|
| 5-Year Invesco QQQ FC 7 PTP Participation Rate |
Point to Point
5-Year
|
270%
Participation
|
| 1-Year Diversified Blend PTP Participation Rate |
Point to Point
Annual
|
130%
Participation
|
| 5-Year Diversified Blend PTP Participation Rate |
Point to Point
5-Year
|
270%
Participation
|
| 2-Year Diversified Blend PTP Participation Rate |
Point to Point
Biennial
|
170%
Participation
|
| 1-Year Fixed Account |
Fixed
|
3.95%
Fixed
|
| 1-Year S&P 500 FC 7% PTP Participation Rate |
Point to Point
Annual
|
135%
Participation
|
| 1-Year BofA Multi-Asset FC 7 PTP Participation Rate |
Point to Point
Annual
|
135%
Participation
|
| 5-Year S&P 500 PTP Participation Rate |
Point to Point
5-Year
|
70%
Participation
|
| 5-Year BofA Multi-Asset FC 7 PTP Participation Rate |
Point to Point
5-Year
|
280%
Participation
|
| 2-Year BofA Multi-Asset FC 7 PTP Participation Rate |
Point to Point
Biennial
|
175%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
9.5%
Cap
|
| 5-Year S&P 500 FC 7% PTP Participation Rate |
Point to Point
5-Year
|
280%
Participation
|
| 2-Year S&P 500 FC 7% PTP Participation Rate |
Point to Point
Biennial
|
175%
Participation
|
| 1-Year Diversified Blend PTP Participation Rate |
Point to Point
Annual
|
135%
Participation
|
| 1-Year Invesco QQQ FC 7 PTP Participation Rate |
Point to Point
Annual
|
135%
Participation
|
| 2-Year Invesco QQQ FC 7 PTP Participation Rate |
Point to Point
Biennial
|
175%
Participation
|
| 5-Year Invesco QQQ FC 7 PTP Participation Rate |
Point to Point
5-Year
|
280%
Participation
|
| 2-Year Diversified Blend PTP Participation Rate |
Point to Point
Biennial
|
175%
Participation
|
| 5-Year Diversified Blend PTP Participation Rate |
Point to Point
5-Year
|
280%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Penalty | 10% | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Riders
No Riders for Athene Aviator 10 annuity.
Waivers
Terminal Illness
You can withdraw up to 100% of the annuity’s Accumulated Value if the Annuitant is diagnosed with a Terminal Illness that is expected to result in death within one year and eligibility requirements are met. This waiver is available after the first Contract Anniversary and the initial diagnosis of terminal illness must be made after the Contract Date. Additional limitations, state variations and exclusions may apply.
Confinement
You can withdraw up to 100% of the annuity’s Accumulated Value if the Annuitant is confined to a Qualified Care Facility for at least 60 consecutive days and meets eligibility requirements. This benefit is available after the first Contract Anniversary and confinement must begin after the Contract Date. Additional limitations, state variations and exclusions may apply. Please see the Certificate of Disclosure for more information.
RMD
The product includes Penalty-Free Withdrawal Provisions for RMDs for qualified plans.
Premium Notes
This is an owner-driven Fixed Indexed Annuity.
Qualified: Must be single ownership and annuitant must be the same person as the owner. Inherited IRA is allowed but owner and annuitant must be the same and must be the spouse of the original (deceased) owner.
Nonqualified: Can be owned by individual or non-natural entity. Joint ownership is allowed if owner is a natural person. Annuitant can be different from the owner but must be spouse. Additional requirements may apply for owner/annuitant structure of non-natural owned contracts.
Premiums
Minimum premium: $10,000
Maximum prermium: $1,000,000
Withdrawal Provisions
Free Withdrawals 10% per year. Withdrawals are calculated by applying the percentage shown to the Accumulated Value as of the most recent previous Contract Anniversary. 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.Withdrawals that do not follow the contractual default ordering of withdrawals and result in zero Accumulated Value for a strategy that may prevent Strategy Preset from completing automated transfers on subsequent Contract Anniversaries will cause the automated transfers will be terminated and you will have to manage subsequent allocations manually. Free Withdrawal Gains An interest credit granted on free partial withdrawals that reflects the pro-rated index performance from the start of the crediting term until the time of the withdrawal for indexed strategies. This feature is not available for the 1-Yr PTP S&P 500 option. Market Value AdjustmentA Market Value Adjustment and Withdrawal Charges apply to any surrenders or withdrawals that exceed the Free Withdrawal amount during the 10-year withdrawal charge period.
- A.M. Best A+
- Fitch A+
- S&P A+
- Moody's A1
- Comdex 88
