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Athene BCA 8 2.0 FER MAX (Annexus)
The Athene BCA 8 2.0 FER MAX is a reliable tool for a secure retirement. It offers a guaranteed income and the safety of your principal investment. It's the perfect armor against market downturns!
Whether you're looking to grow your nest egg, or want stable income for life, this annuity has got you covered. It's certainly a stress-free ticket to a comfortable retirement.
Athene BCA 8 2.0 FER MAX (Annexus)
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 Shiller Barclays Global PTP Participation Rate |
Point to Point
Biennial
|
145%
Participation
|
| 2-Year Merrill Lynch RPM PTP Participation Rate |
Point to Point
Biennial
|
150%
Participation
|
| 2-Year Merrill Lynch RPM PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 2-Year WisdomTree Siegel Strategic Value PTP Participation Rate |
Point to Point
Biennial
|
135%
Participation
|
| 2-Year WisdomTree Siegel Strategic Value PTP Participation Rate |
Point to Point
Biennial
|
180%
Participation
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
44%
Participation
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
59%
Participation
|
| 2-Year Shiller Barclays Global PTP Participation Rate |
Point to Point
Biennial
|
195%
Participation
|
| 2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate |
Point to Point
Biennial
|
155%
Participation
|
| 2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate |
Point to Point
Biennial
|
205%
Participation
|
| 2-Year Citi Grandmaster PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 2-Year Citi Grandmaster PTP Participation Rate |
Point to Point
Biennial
|
265%
Participation
|
| 2-Year S&P 500 Distance Stabilizer PTP Participation Rate |
Point to Point
Biennial
|
102%
Participation
|
| 2-Year S&P 500 Distance Stabilizer PTP Participation Rate |
Point to Point
Biennial
|
87%
Participation
|
| 2-Year RAFI Harvey GS PTP Participation Rate |
Point to Point
Biennial
|
170%
Participation
|
| 2-Year RAFI Harvey GS PTP Participation Rate |
Point to Point
Biennial
|
230%
Participation
|
| 2-Year MSCI MKT MediaStats Multi-Asset PTP Participation Rate |
Point to Point
Biennial
|
165%
Participation
|
| 2-Year MSCI MKT MediaStats Multi-Asset PTP Participation Rate |
Point to Point
Biennial
|
120%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Penalty | 10% | 9% | 8% | 7% | 6% | 5% | 4% | 3% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| BCA 2.0 FER Max Death Benefit | Yes | 0.85% annually |
| BCA 8 2.0 SGO Max w/FER | No | 1.00% annually (1.00% after 10 years) (1.20% max) |
| BCA 8 2.0 Flex Growth w/FER | No | 1.00% annually (1.00% after 10 years) (1.20% max) |
Waivers
Terminal Illness
Unavailable in states: CA
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: CA, and 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.
RMD
The contract waives Withdrawal Charges, on Required Minimum Distributions taken after turning age 73.
Premium Notes
Maximum purchase payment: $2000000 or more requires prior approval
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 (MVAs). 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 88
