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Best Guaranteed Annuity Rates

Athene NY MaxRate (3-Year)

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Learn how an annuity can provide guaranteed income for life.

Athene MaxRate annuities are designed to help meet your long-term savings and retirement needs. They include a Withdrawal Charge period. If you withdraw more money than the no-charge amount allowed by your contract, or if you surrender your annuity before the Withdrawal Charge period ends, a Withdrawal Charge will be applied.

Premium Limits
You can purchase an Athene MaxRate annuity with an Initial Premium of $5,000 – $2 million. Larger amounts considered with company approval. After you purchase your annuity you can continue to add money to it. Additional Premium amounts 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 $10,000. Payments can be made monthly.

Free Withdrawal
Equal to the Multi-Year Fixed Strategy rate multiplied by the Accumulated Value (as of the most recent Contract Anniversary) beginning in the first contract year. 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 are not credited with index interest in the year they are taken. Withdrawals in excess of the free amount are subject to a Withdrawal Charge and MVA (if applicable) which may result in the loss of principal.

Required Minimum Distributions (RMDs): IRS mandatory withdrawals from tax-qualified contracts such as IRAs.
With Athene MaxRate annuities, RMDs are considered part of your annual Withdrawal with no withdrawal charge, even if they exceed your Withdrawal with no withdrawal charge amount.

Annuity Payout Options

You can begin receiving guaranteed income from your annuity once it matures (on the Annuity Date). This is called “annuitization.” The payment amount will be based on your annuity’s Accumulation Value and the Settlement Option you choose. You have different options available to you depending on whether you want to receive income for a set period of time, your lifetime, or the lifetimes of you and your Joint Annuitant. It’s important to note that once you choose to annuitize, the payment schedule and the amount are fixed and can’t be altered.

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. 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.

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
3 years 4%

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