Athene Annuity and Life Company
4.8
based on complex data
Annuity Educator Rating
Annuity review

Athene BCA 10 2.0 FER (NV Only)

The Athene BCA 10 2.0 FER annuity is a terrific choice for retirees in Nevada. With its guaranteed income and robust financial protection, you can truly enjoy your golden years without fiscal worries.

Its simplified portfolio management frees up your time for more leisure. It's security and growth, easily managed. Athene BCA 10 2.0 FER is peace of mind in retirement.

Athene BCA 10 2.0 FER (NV Only)-brochure Athene BCA 10 2.0 FER (NV Only)-brochure

Athene BCA 10 2.0 FER (NV Only)

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About Product

Type
Fixed Index
Purpose
Accumulation & Legacy
Premium Bonus
10%
Term
10 Years
Surrender schedule
9.6%
9.2%
8.2%
7.2%
6.2%
5.2%
4.2%
3.1%
2.1%
1%
Fee withdrawal:
10% (From Year 2)
Market Value Adjustment
Yes
Return Of Premium
No
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
Launch Date
03/25/2019
BCA 2.0 is a single-premium fixed indexed annuity that combines growth opportunities and protection from downside market risk. 

Annual Strategy Charge
Annual Strategy Charges are calculated annually and deducted monthly from the Accumulation Value. The current declared Initial Annual Strategy Charge Rate is guaranteed for the first term only. Athene will declare a new Annual Strategy Charge Rate for each renewal term not to exceed 2.00% (1.80% in some states). 
Available in states: NV

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
66% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
215% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
170% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
180% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
225% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
160% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
210% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
305% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
240% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
220% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
175% 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%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

Name Inbuilt Fee
BCA 2.0 FER Death Benefit with BALIR 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
BCA 2.0 FER Death Benefit Yes 0.85% annually

Waivers

Terminal Illness

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

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.

Withdrawal Provisions

Free WithdrawalsThe 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. 

Company Founded: 1909
TOP Rated Company
Athene Annuity and Life Company
Company Ratings
4.5
  • A.M. Best A+
  • Fitch A+
  • S&P A+
  • Moody's A1
  • Comdex 88
Assets: $150,307,283,698
Iowa

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