Athene Annuity and Life Company
4.3
based on complex data
Annuity Educator Rating
Annuity review

Athene BCA 8 2.0 FER MAX with BALIR (NV Only)

The Athene BCA 8 2.0 FER MAX with BALIR is a secure choice for retirees. It offers you predictable income, and the BALIR feature is a safeguard against market volatility. You'll know exactly what you're getting, and when!

With its impressive financial strength, Athene makes planning for the future less stressful. The BCA 8 2.0 FER MAX truly puts your needs first, offering you peace of mind and reliable income in your golden years.

Athene BCA 8 2.0 FER MAX with BALIR (NV Only)-brochure Athene BCA 8 2.0 FER MAX with BALIR (NV Only)-brochure

Athene BCA 8 2.0 FER MAX with BALIR (NV Only)

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About Product

Type
Fixed Index
Purpose
Lifetime Income & Legacy
Premium Bonus
10%
Term
8 Years
Surrender schedule
9.6%
9%
8.2%
7.2%
6.2%
5.2%
4.2%
3%
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
80
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: NV

Allocation Accounts

Name Type Rates
2-Year Shiller Barclays Global PTP Participation Rate
Point to Point
Biennial
165% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
175% Participation
2-Year Merrill Lynch RPM PTP Participation Rate
Point to Point
Biennial
220% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
155% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate
Point to Point
Biennial
205% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
51% 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
210% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
300% Participation
2-Year Citi Grandmaster PTP Participation Rate
Point to Point
Biennial
235% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
215% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate
Point to Point
Biennial
170% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8
Penalty 10% 9% 8% 7% 6% 5% 4% 3%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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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 (1.40% max)
BCA 8 2.0 Flex Growth w/FER No 1.00% annually
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

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 (MVAs). 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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