Athene Annuity and Life Company
4.7
based on complex data
Annuity Educator Rating
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Athene BCA 12 2.0 FER MAX with BALIR

The Athene BCA 12 2.0 FER MAX with BALIR is a lifeline for retirees. It gives excellent income protection and potential stellar growth. It's about living a worry-free retirement.

With its fantastic bonus possibilities and personalized interest potential, one could say this annuity is the golden walnut in your retirement planning. Enjoy your golden years with Athene BCA 12 2.0 FER MAX!

Athene BCA 12 2.0 FER MAX with BALIR-brochure Athene BCA 12 2.0 FER MAX with BALIR-brochure

Athene BCA 12 2.0 FER MAX with BALIR

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About Product

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%
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
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
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
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%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
See if this annuity ranks in your top 3 for Virginia
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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)
BCA 2.0 FER Max Death Benefit with BALIR 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

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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