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Athene BCA 12 2.0 FER

The Athene BCA 12 2.0 FER is a solid choice for retirees. It offers the comfort of guaranteed income, just like having a steady paycheck even after you've stopped working. Take the guesswork out of retirement!

You'll never have to worry about market volatility thanks to its protective features. This annuity promises a comfortable and predictable retirement income. Trust Athene BCA 12 2.0 FER for a smooth financial journey into your golden years.

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Athene BCA 12 2.0 FER

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Ratings:

A.M. Best A+
Fitch A+
S&P A+
Moody's A1
Comdex 88

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About Product

Type

Fixed Index

Purpose

Accumulation & Legacy

Premium Bonus

15%

Term

12 Years

Surrender schedule

14.5%14%13.5%13%12%11%10%9%8%7%6%4%

Fee withdrawal:

10% (From Year 2)

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

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: AL, AZ, AR, CO, DC, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, NE, NM, NC, ND, RI, SD, TN, VT, VA, WV, WI, and WY

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	225% Participation
2-Year Shiller Barclays Global PTP Participation Rate	Point to Point Biennial	175% Participation
2-Year Merrill Lynch RPM PTP Participation Rate	Point to Point Biennial	190% Participation
2-Year Merrill Lynch RPM PTP Participation Rate	Point to Point Biennial	240% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate	Point to Point Biennial	175% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate	Point to Point Biennial	225% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate	Point to Point Biennial	175% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate	Point to Point Biennial	225% Participation
2-Year Citi Grandmaster PTP Participation Rate	Point to Point Biennial	255% Participation
2-Year Citi Grandmaster PTP Participation Rate	Point to Point Biennial	320% Participation

Surrender schedule

Year	1	2	3	4	5	6	7	8	9	10	11	12
Penalty	15%	14%	14%	13%	12%	11%	10%	9%	8%	7%	6%	4%

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Investment Amount $

Riders

Name	Inbuilt	Fee
BCA 2.0 FER Death Benefit with BALIR	Yes	0.85% annually
BCA 12 2.0 SGO Max w/FER	No	1.00% annually
BCA 12 2.0 Flex Growth w/FER	No	1.00% annually (1.20% max)
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

Unavailable in states: MA

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.