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Athene Velocity

The Athene Velocity annuity is a rock-solid investment for a worry-free retirement. Offering guaranteed income with the potential for growth, it provides the stability you seek.

Athene makes planning for tomorrow very manageable. Be at peace with your financial future - make a move towards Athene Velocity today!

Athene Velocity

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About Product

Type

Fixed Index

Purpose

Lifetime Income

Term

10 Years

Surrender schedule

9.6%

9.2%

8.2%

7.2%

6.2%

5.2%

4.2%

3.1%

2.1%

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

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

The latest addition to the BCA suite of fixed indexed annuities, Athene Velocity is a single-premium fixed indexed annuity that combines growth opportunities and protection from downside market risk. As a solution for individuals planning for or already in retirement, Athene Velocity can help you:

Grow your retirement savings based on positive changes in a selected Index Earning Strategy (IES) or strategies over a two-year term.
Protect your retirement savings from downside market risk.
Guarantee your lifetime income and future legacy.

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, 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

Allocation Accounts

Name	Type	Rates
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	52% Participation
2-Year S&P 500 PTP Participation Rate	Point to Point Biennial	66% Participation
2-Year Shiller Barclays Global PTP Participation Rate	Point to Point Biennial	215% Participation
2-Year Shiller Barclays Global PTP Participation Rate	Point to Point Biennial	170% Participation
2-Year Merrill Lynch RPM PTP Participation Rate	Point to Point Biennial	180% Participation
2-Year Merrill Lynch RPM PTP Participation Rate	Point to Point Biennial	225% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate	Point to Point Biennial	160% Participation
2-Year WisdomTree Siegel Strategic Value PTP Participation Rate	Point to Point Biennial	210% Participation
2-Year Citi Grandmaster PTP Participation Rate	Point to Point Biennial	305% Participation
2-Year Citi Grandmaster PTP Participation Rate	Point to Point Biennial	240% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate	Point to Point Biennial	220% Participation
2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate	Point to Point Biennial	175% Participation

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

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Investment Amount

Riders

Name	Inbuilt	Fee
Athene Velocity Income Rider	Yes

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

Withdrawal Provisions

Free WithdrawalsThe Free Withdrawal amount is the greater of a percentage of the Accumulation Value and a percentage of the Initial Premium and Premium Bonus, if applicable. The percentage is 10% in all years. Withdrawals in excess of the Free Withdrawal amount (excluding Required Minimum Distributions) will not receive gains to-date and will be subject to any applicable Withdrawal Charges, Premium Bonus Vesting Adjustments and MVAs. Gains to-date are not credited on Lifetime Income Withdrawals or to withdrawals in excess of the Free Withdrawal amount. Withdrawals may be automatically deposited into your bank account on a monthly, quarterly, semiannual or annual basis. The contract waives Withdrawal Charges, Premium Bonus Vesting Adjustments and the MVA, if applicable, on Required Minimum Distributions attributable to your contract. For any amount withdrawn in excess of the Free Withdrawal amount or the RMD attributable to your contract, the following Withdrawal Charge Schedule will apply. Market Value Adjustment (MVA) The MVA applies to withdrawals greater than the Free Withdrawal amount and may increase or decrease the amount you receive. For more information, please see the Additional Information insert.

Company Founded: 1909

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Athene Annuity and Life Company

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