Best Guaranteed Annuity Rates

Athene NY MaxRate

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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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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.

Find out if the Athene NY MaxRate is the right product for you.

MYGA Interest Rates

Annual percentage yield (APY)
earned over the investment term
5 years 4.5%
7 years 4.3%


No Riders for Athene NY MaxRate annuity.



Beneficiary will receive the full Accumulated Value or Minimum Guaranteed Contract Value, whichever is greater. Provides the ability to create a legacy After annuitization, payments will be consistent with the settlement option selected.

Terminal Illness

You can withdraw up to 100% of your annuity’s Accumulated Value if you’re 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. No Withdrawal Charge will apply if you qualify for this benefit.


After the first Contract Year, you can withdraw up to 100% of your annuity’s Accumulated Value if you’ve been confined to a Qualified Care Facility for at least 60 consecutive days and meet the eligibility requirements. You cannot be confined at the time the contract is issued and confinement must begin at least one year after the Contract Date. No Withdrawal Charge will apply if you qualify for this benefit.

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