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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 12 2.0 FER

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Highlights

BCA 2.0 is a single-premium fixed indexed annuity that combines growth opportunities and protection from downside market risk.
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
Type
Fixed Index
Purpose Lifetime Income & Legacy
Premium Bonus
15%
Term
12 Years
Surrender schedule
14.5%14%13.5%13%12%11%10%9%8%7%6%4%
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
76
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 12 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
57% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
69% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
245% Participation
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
210% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
260% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
245% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
200% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
245% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
280% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
345% 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%

Riders

Name Inbuilt Fee
BCA 2.0 FER Death Benefit 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

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

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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