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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Athene BCA 10 2.0 FER

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Highlights

BCA 10 2.0 fixed indexed annuity with the Family Endowment Rider (FER) can help you take control of your retirement. It offers an up-front Premium Bonus and growth potential based in part on the positive movement of an index while protecting your retirement savings from downside market risk. 

The FER, an optional rider available with BCA 10 2.0 for an additional charge, offers an Enhanced Death Benefit guaranteed to grow daily at a 3% compound annual rate, regardless of what happens in the markets. Beneficiaries receive the greatest of the Cash Surrender Value, Balanced Allocation Value or Enhanced Death Benefit value. 
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, 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 Lifetime Income & Legacy
Premium Bonus
14%
Term
10 Years
Surrender schedule
9.6%9.2%8.2%7.2%6.2%5.2%4.2%3.1%2.1%1%
Free withdrawal
1st year: 5%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
03/25/2019
Minimum contribution
$10,000
Maximum contribution
$2,000,000
Max Age Qualified
78
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, and IRA-Roth
Brochure
Open brochure

Find out if the Athene BCA 10 2.0 FER is the right product for you.

Withdrawal Provisions

Free Withdrawals
The Free Withdrawal amount is 5% of the Accumulation Value in the first year and 10% of the Accumulation Value for all remaining years. Withdrawals in excess of the Free Withdrawal amount will not receive gains to-date and will be subject to any applicable Withdrawal Charges, Premium Bonus Vesting Adjustments and Market Value Adjustments (MVA's). Gains to-date are not credited on Lifetime Income Withdrawals or to withdrawals in excess of the Free Withdrawal amount. 

Allocation Accounts

Name Type Rates
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
52% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
65% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
230% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
185% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
195% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
245% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
185% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
230% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
325% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
260% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
230% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
185% 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

Name Inbuilt Fee
BCA 2.0 FER Death Benefit Yes 0.85% annually
BCA 10 2.0 SGO Max w/FER No 1.00% annually
BCA 10 2.0 Flex Growth w/FER No 1.00% annually

Waivers

Terminal Illness

Unavailable in states: CA

After the first contract anniversary, you can withdraw up to 100% of your annuity's value if you, as the Owner, are diagnosed with a Terminal Illness or an illness or serious injury necessitates a stay of 60 consecutive days or more at a Qualified Care Facility. If the Owner is a non-natural entity, then the Confinement and Terminal Illness Waivers will be triggered based on the annuitant. Any applicable Withdrawal Charges, MVA or Premium Bonus Vesting Adjustments will be waived.

Confinement

Unavailable in states: CA, and MA

After the first contract anniversary, you can withdraw up to 100% of your annuity's value if you, as the Owner, are diagnosed with a Terminal Illness or an illness or serious injury necessitates a stay of 60 consecutive days or more at a Qualified Care Facility. If the Owner is a non-natural entity, then the Confinement and Terminal Illness Waivers will be triggered based on the annuitant. Any applicable Withdrawal Charges, MVA or Premium Bonus Vesting Adjustments will be waived.

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