Best Guaranteed Annuity Rates

Athene MaxRate (3-Year)

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Premium Type
Flexible Premium
Max age Qualified
Minimum Contribution
Maximum Contribution
Market value adjustment
Return of premium
Free withdrawal
Launch date
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, and IRA-Roth
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The Athene MaxRate 3, 5 & 7 is a modified, flexible premium deferred annuity with a market value adjustment. The minimum single premium is $10,000 for qualified and non-qualified money. Surrender charges vary by guarantee period and state and are waived in the event of death, confinement, or diagnosis of a terminal illness. State variations may apply. Withdrawals and taxable distributions may be subject to ordinary income tax and if made prior to age 59 1/2, may also be subject to a 10% federal income tax penalty. Guarantees based on claims paying ability of insurer. Products / features may not be available in all states. This is an annuity contract issued by an insurance company and not a bank product protected by the FDIC.

Premium Limits
You can purchase an Athene MaxRate annuity with an Initial Premium of $10,000 – $2 million. Larger amounts considered with company approval. After you purchase your annuity you can continue to add money to it. Additional premium can be added until the maturity date. For the additional premiums, there is a minimum contribution of $1,000, and the maximum 12 month contribution is $100,000. Payments can be made monthly.

Free Withdrawals
Athene MaxRate annuities provide annual Free Withdrawal privileges beginning in the first Contract Year. Each Contract Year, you can withdraw up to an amount equal to the Multi-Year Fixed Strategy Rate multiplied by Accumulated Value (as of the most recent Contract Anniversary) without incurring a Withdrawal Charge or Market Value Adjustment.  Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59½. Withdrawals in excess of the free amount are subject to a Withdrawal Charge and Market Value Adjustment (MVA), which may result in the loss of principal.

Required minimum distributions (RMDs) are IRS mandatory withdrawals from tax-qualified contracts such as IRAs. With Athene MaxRate annuities, RMDs are considered part of your annual Free Withdrawal, even if they exceed your Free Withdrawal amount.
Your Free Withdrawal amount is equal to the greater of the Free Withdrawal amount or your RMD. If you take Free Withdrawals and then your RMD, it may be subject to Withdrawal Charges and MVA.

Market Value Adjustment
A Market Value Adjustment applies to withdrawals in excess of the free withdrawal amount and full surrenders during the withdrawal charge period. If you take a withdrawal before the end of your withdrawal charge period, an MVA will be applied to that withdrawal. If interest rates in the market are higher than when you purchased your annuity, the MVA is negative, meaning an additional amount is deducted from your contract value. The MVA may increase or decrease the amount of the Withdrawal or Cash Surrender Value of your Contract depending on the change in interest rates. If interest rates have increased, stayed the same, or decreased by less than 0.25%, the MVA will be negative. If interest rates have decreased by more than 0.25%, the MVA will be positive. (The MVA offset is 0.00% in AK, CT, HI, ID, IN, MD, MN, MO, NJ, OH, OR, PA, SC, TX, and WA.)

Principal protection
As long as you keep your annuity for the Withdrawal Charge period, your principal and the interest you earn are guaranteed

Death Benefit

Guarantees that your beneficiary will receive your annuity’s full Accumulated Value or Minimum Guaranteed Contract Value, whichever is greater. The Death Benefit will be paid as long as you haven’t annuitized your contract. After annuitization, payment will be made consistent with the settlement option you chose. 

Find out if the Athene MaxRate (3-Year) is the right product for you.

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4.8%


No Riders for Athene MaxRate (3-Year) annuity.


Terminal Illness

Unavailable in states: CA

After the first Contract Year, you may request a payment of up to 100% of the Contract's Accumulated Value, if the Annuitant is diagnosed with a terminal illness that is expected to result in death within one year. To qualify, the initial diagnosis of terminal illness must be made at least one year after the Contract Date.


Unavailable in states: CA, and MA

After the first Contract Year, you may request a payment of up to 100% of the Contract's Accumulated Value, if the Annuitant is confined to a Qualified Care Facility for 60 consecutive days. To qualify, confinement in a Qualified Care Facility must begin at least one year after the Contract Date.

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