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Athene BCA 12 2.0 FER MAX
The Athene BCA 12 2.0 FER MAX annuity is a fantastic plan for peace of mind in retirement. It offers stable income, protection from market instability, and an impressive potential for growth.
What truly shines is the user-friendly design, it's like having a safety net for your savings. Downside protection coupled with the potential for upside growth, it benefits retirees and future planners greatly. Consider Athene BCA 12 2.0 for a secure and comfortable future.
Athene BCA 12 2.0 FER MAX
About Product
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).
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
|
71%
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
|
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 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
|
235%
Participation
|
| 2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate |
Point to Point
Biennial
|
190%
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 Max 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 (1.20% max) |
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.
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.
- A.M. Best A+
- Fitch A+
- S&P A+
- Moody's A1
- Comdex 89
