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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Athene Protector 5

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Highlights

With an Athene Protector fixed indexed annuity, you can save confidently for retirement. And you’ll rest easy knowing your money is there if you need it — whatever life sends your way. Consider these features:
  • Return of premium guarantee
  • Minimum Interest Credit guarantee
  • Up to 10% penalty-free withdrawals
  • Confinement and terminal illness waivers
  • Growth potential based in part on the performance of an external market index
  • Protection from downside market risk
  • Tax-deferred interest accumulation
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Type
Fixed Index
Purpose Accumulation
Term
5 Years
Surrender schedule
8%8%7%5.9%4.6%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
02/12/2018
Minimum contribution
$10,000
Maximum contribution
$2,000,000
Max Age Qualified
85
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, and Inherited IRA
Brochure
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Find out if the Athene Protector 5 is the right product for you.

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Withdrawal Provisions

Free Withdrawals
Beginning in the first Contract Year, you can withdraw up to 10% of your annuity’s Accumulated Value each Contract Year without a Withdrawal Charge. Required Minimum Distributions (RMDs) are IRS mandatory withdrawals required with qualified contracts (such as an IRA). These withdrawals from your annuity contract are considered part of your free withdrawal, free of Withdrawal Charges, for the Contract Year.

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.9% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
10.75% Cap
1-Year S&P 500 DRC 5% TR PTP Participation Rate
Point to Point
Annual
92% Participation
1-Year AI Powered US Equity PTP Participation Rate
Point to Point
Annual
190% Participation
1-Year Nasdaq FC PTP Participation Rate
Point to Point
Annual
135% Participation
1-Year BNP Paribas Multi Asset Diversified 5 PTP Participation Rate
Point to Point
Annual
230% Participation
1-Year Fixed Account (CA Only)
Fixed
4.9% Fixed
1-Year AI Powered Global Opportunities PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year UBS Innovative Balanced PTP Participation Rate
Point to Point
Annual
165% Participation
1-Year S&P 500 FC PTP Participation Rate
Point to Point
Annual
105% Participation

Surrender schedule

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

Riders

Name Inbuilt Fee
Athene Protector Return of Premium Rider 5 years Yes 0.40% annually (0.00% after 5 years)

Waivers

Bail-Out

If Athene lowers the declared 1-Year Point-to-Point Index Strategy Annual Cap Rate below the Bailout Cap Rate, you’ll have full access to your annuity’s Accumulated Value — free of any charges for up to 30 days after the Contract Anniversary in which the Bailout Cap Rate was pierced. After the 30-day Bailout Window, all charges may apply.

Terminal Illness

Unavailable in states: CA

You can withdraw up to 100% of your annuity’s Accumulated Value if the Annuitant is diagnosed with a Terminal Illness that is expected to result in death within one-year and you meet the eligibility requirements. This waiver is available after your first Contract Anniversary. You may not be diagnosed during the first Contract Year. Additional limitations, state variations and exclusions may apply. Please see the Certificate of Disclosure for more information.

Confinement

Unavailable in states: CA, and MA

After the first Contract Year, you can withdraw up to 100% of your annuity's Accumulated Value if the Annuitant is confined to a Qualified Care facility for at least 60 consecutive days and meet the eligibility requirements. Confinement must begin after the first contract year. Additional limitations, state variations and exclusions may apply. Please see the Certificate of Disclosure for more information.

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