Athene
A retirement-services carrier built around retail annuities, pension risk transfer, funding agreements, and reinsurance - with Apollo as the public-company parent since the 2022 merger.
Financial strength
A+
AM Best
A+
S&P Global
A+
Fitch
A1
Moody's
A+ / A1 rated
Primary insurance subsidiaries show A+ ratings from AM Best, S&P, and Fitch, plus A1 from Moody's.
Apollo company
Athene completed its merger under Apollo Global Management in January 2022.
West Des Moines
Athene lists its headquarters at 7700 Mills Civic Parkway in West Des Moines, Iowa.
Founded 2009
Athene says it has expanded its growth channels since its founding in 2009.
Retirement platform
Retail annuities, flow reinsurance, pension group annuities, and funding agreements are named growth channels.
Run live numbers on Athene products
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Growth FIAs
Selected product: Athene AccuMax 5 (1-year)
An accumulation-focused fixed indexed annuity group with index-linked crediting and, for some versions, premium-bonus designs.
Other current products
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Explore Athene products
Athene’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Athene AccuMax 5 (1-year)
A short five-year, accumulation-only fixed indexed annuity from A+ rated Athene with no market value adjustment, where every index strategy on the menu — including the S&P 500 — uses a 5-year participation-rate crediting term, paired with a 1-year fixed-account option for buyers who want a portion in a declared rate.
Fixed Rate
4.1%
Athene AccuMax 7 (1-year)
A seven-year-surrender, accumulation-only fixed indexed annuity from A+ rated Athene with no market value adjustment, where every index strategy on the menu — including the S&P 500 — uses a participation rate rather than an annual cap, available on both 1-year and 7-year crediting terms.
Fixed Rate
3.35%
Athene Accumulator 5 (1-year)
An accumulation-focused, A+-rated fixed indexed annuity from Athene with a five-year surrender — the shortest in the Accumulator family — built around a recognizable S&P 500 annual point-to-point cap plus a menu of participation-rate proprietary index strategies, with no income rider attached in this data.
S&P 500 annual point-to-point cap rate
9.75%
Athene Accumulator 7 (1-year)
A seven-year-surrender, A+-rated fixed indexed annuity from Athene built for accumulation — a recognizable S&P 500 annual point-to-point cap sits alongside a broader menu of proprietary volatility-controlled participation-rate strategies, with no guaranteed-lifetime-withdrawal rider attached.
S&P 500 annual cap rate
9.75%
Athene Accumulator 10 (1-year)
A 10-year-surrender, A+-rated accumulation FIA from Athene whose crediting menu pairs one recognizable S&P 500 annual point-to-point cap with a broad lineup of proprietary participation-rate strategies, and which carries no income rider in this data.
S&P 500 annual point-to-point cap rate
10%
Athene Agility 7 (1-year)
A 7-year-surrender, A+ rated fixed indexed annuity from Athene with built-in lifetime-income mechanics rather than a separately published GLWB rider rate, an accumulation menu that pairs a recognizable S&P 500 annual cap with a broad set of proprietary participation-rate index strategies, and no strategy fees on any of those crediting options.
S&P 500 annual cap rate
5%
Athene Agility 7 (2-year)
A 7-year-surrender, A+ rated fixed indexed annuity from Athene with built-in lifetime-income mechanics rather than a separately published GLWB rider rate, an accumulation menu that pairs a recognizable S&P 500 annual cap with a broad set of proprietary participation-rate index strategies, and no strategy fees on any of those crediting options.
S&P 500 annual cap rate
5%
Athene Agility 10 (1-year)
A long-surrender, A+ rated fixed indexed annuity marketed for built-in lifetime income, built around a recognizable S&P 500 cap plus a broad menu of proprietary participation-rate strategies — the built-in income mechanism is structural to the contract and not exposed as a separately rated rider in the data on this page.
S&P 500 cap rate (built-in income chassis)
5.25%
Athene Agility 10 (2-year)
A long-surrender, A+ rated fixed indexed annuity marketed for built-in lifetime income, built around a recognizable S&P 500 cap plus a broad menu of proprietary participation-rate strategies — the built-in income mechanism is structural to the contract and not exposed as a separately rated rider in the data on this page.
S&P 500 cap rate (built-in income chassis)
5.25%
Athene Ascent Pro 7 (1-year)
A seven-year-surrender fixed indexed annuity from an A-rated Athene chassis, built around a one-year S&P 500 cap, a one-year fixed-account strategy, and a broad menu of two-year participation-rate strategies on proprietary volatility-controlled indexes — no premium bonus, and no lifetime-income rider rates published on this page.
S&P 500 annual cap rate
6.75%
Athene Ascent Pro 10 (1-year)
A ten-year-surrender, A+-rated FIA from Athene whose crediting menu pairs one recognizable S&P 500 annual point-to-point cap with a broad lineup of proprietary participation-rate strategies, and which flags income capability without exposing a rider with a published payout rate in this data.
S&P 500 annual point-to-point cap rate
7.25%
Athene Ascent Pro 10 Bonus (1-year)
A ten-year-surrender, A+ rated fixed indexed annuity from Athene built around a premium bonus with multi-year vesting, a recognizable S&P 500 annual point-to-point cap, and a broad menu of proprietary participation-rate strategies — with no published income-rider rates on this filing despite the catalog's income-eligible flag.
S&P 500 annual cap rate
5.5%
Athene Aviator 5 (1-year)
An accumulation-focused fixed indexed annuity from an A+-rated carrier with an unusually short five-year surrender for the category, built around a recognizable S&P 500 annual point-to-point cap plus a wide participation-rate menu across three proprietary FC 7 indexes at three crediting terms.
S&P 500 annual point-to-point cap
9.5%
Athene Aviator 10 (1-year)
An accumulation-focused, A+-rated, ten-year fixed indexed annuity from Athene built around a recognizable S&P 500 annual point-to-point cap plus a broad lineup of participation-rate strategies on proprietary volatility-controlled indexes at 1-year, 2-year, and 5-year crediting cadences, with no income rider attached.
S&P 500 annual point-to-point cap
9.75%
Athene BCA 6 2.0 (2-year)
A six-year, accumulation-only fixed indexed annuity from A+ rated Athene with no market value adjustment, where every index strategy on the menu — including the S&P 500 — uses a 2-year participation-rate crediting term offered in both a no-fee and a published-fee variant.
Par Rate
1.8%
Athene BCA 8 2.0 (2-year)
An 8-year-surrender fixed indexed annuity from an A+ rated carrier whose entire crediting menu runs on 2-year participation-rate strategies — one recognizable S&P 500 sleeve plus six proprietary multi-asset and volatility-controlled indexes, each offered in a no-fee and a fee-included variant.
Par Rate
1.85%
Athene BCA 10 2.0 (2-year)
An A+ rated, ten-year-surrender fixed indexed annuity from Athene that pairs an optional GLWB lifetime-income rider with a fee-or-no-fee accumulation menu of 2-year point-to-point participation strategies across a mix of proprietary indexes.
Lifetime payout (GLWB)
3.75%
Athene BCA 12 2.0 (2-year)
A twelve-year-surrender, A+ rated fixed indexed annuity from Athene built around a rider-led lifetime income story — three flavors of GLWB payout, a premium bonus and roll-up working on the withdrawal base — paired with seven two-year participation-rate index strategies, filed in a restricted list of states.
Par Rate
2.05%
Athene Performance Elite 7 (1-year)
An accumulation-focused, A+ rated, 7-year fixed indexed annuity built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of proprietary participation-rate strategies on both 1-year and 2-year crediting terms, with no income rider attached.
S&P 500 annual point-to-point cap
8.75%
Athene Performance Elite 7 (2-year)
An accumulation-focused, A+ rated, 7-year fixed indexed annuity built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of proprietary participation-rate strategies on both 1-year and 2-year crediting terms, with no income rider attached.
S&P 500 annual point-to-point cap
8.75%
Athene Performance Elite 7 Plus (1-year)
An accumulation-focused fixed indexed annuity from a top-rated carrier that pairs a recognizable S&P 500 annual point-to-point cap with a broad menu of proprietary participation-rate strategies on both one-year and two-year crediting periods, with a first-year premium bonus that vests over a longer horizon than the surrender schedule itself.
S&P 500 cap rate
8.75%
Athene Performance Elite 7 Plus (2-year)
An accumulation-focused fixed indexed annuity from a top-rated carrier that pairs a recognizable S&P 500 annual point-to-point cap with a broad menu of proprietary participation-rate strategies on both one-year and two-year crediting periods, with a first-year premium bonus that vests over a longer horizon than the surrender schedule itself.
S&P 500 cap rate
8.75%
Athene Performance Elite 10 (1-year)
A long-surrender, A+ rated growth-focused fixed indexed annuity that pairs a published premium bonus (vesting years seven through eleven) with a broad index menu including a recognizable S&P 500 annual point-to-point cap, no income rider attached.
S&P 500 cap rate
5.5%
Athene Performance Elite 10 (2-year)
A long-surrender, A+ rated growth-focused fixed indexed annuity that pairs a published premium bonus (vesting years seven through eleven) with a broad index menu including a recognizable S&P 500 annual point-to-point cap, no income rider attached.
S&P 500 cap rate
5.5%
Athene Performance Elite 10 Plus (1-year)
A ten-year, A+-rated bonus FIA from Athene that credits an up-front premium bonus subject to a vesting schedule running through year eleven, with a crediting menu that pairs a recognizable no-fee S&P 500 annual point-to-point cap against a broad lineup of participation-rate strategies on proprietary indexes — each offered in both a no-fee and a fee-bearing form.
S&P 500 annual point-to-point cap
5.5%
Athene Performance Elite 10 Plus (2-year)
A ten-year, A+-rated bonus FIA from Athene that credits an up-front premium bonus subject to a vesting schedule running through year eleven, with a crediting menu that pairs a recognizable no-fee S&P 500 annual point-to-point cap against a broad lineup of participation-rate strategies on proprietary indexes — each offered in both a no-fee and a fee-bearing form.
S&P 500 annual point-to-point cap
5.5%
Athene Performance Elite 15 (1-year)
A fifteen-year, accumulation-only fixed indexed annuity from a four-agency-rated carrier, pairing a recognizable S&P 500 cap option with a broad lineup of proprietary participation-rate strategies in both 1-year and 2-year cadences, and a large premium bonus that vests on a back-end schedule beginning in year twelve.
S&P 500 annual cap rate
7%
Athene Performance Elite 15 (2-year)
A fifteen-year, accumulation-only fixed indexed annuity from a four-agency-rated carrier, pairing a recognizable S&P 500 cap option with a broad lineup of proprietary participation-rate strategies in both 1-year and 2-year cadences, and a large premium bonus that vests on a back-end schedule beginning in year twelve.
S&P 500 annual cap rate
7%
Athene Performance Elite 15 Plus (1-year)
A fifteen-year, accumulation-only fixed indexed annuity from a four-agency-rated carrier, pairing a recognizable S&P 500 cap option with a broad lineup of proprietary participation-rate strategies in both 1-year and 2-year cadences, and a large premium bonus that vests on a back-end schedule beginning in year twelve.
S&P 500 annual cap rate
7%
Athene Performance Elite 15 Plus (2-year)
A fifteen-year, accumulation-only fixed indexed annuity from a four-agency-rated carrier, pairing a recognizable S&P 500 cap option with a broad lineup of proprietary participation-rate strategies in both 1-year and 2-year cadences, and a large premium bonus that vests on a back-end schedule beginning in year twelve.
S&P 500 annual cap rate
7%
Athene Protector 5 (1-year)
A five-year-surrender fixed indexed annuity from an A+-rated carrier built around recognizable S&P 500 cap and trigger strategies (each available in one-year and five-year locked-rate variants) plus a fixed account and a few proprietary participation-rate indexes, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.75%
Athene Protector 5 (5-year)
A five-year-surrender fixed indexed annuity from an A+-rated carrier built around recognizable S&P 500 cap and trigger strategies (each available in one-year and five-year locked-rate variants) plus a fixed account and a few proprietary participation-rate indexes, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.75%
Athene Protector 7 (1-year)
A seven-year-surrender fixed indexed annuity from an A+-rated carrier with no income rider, a clean fee-free strategy menu, and an unusual rate-lock option that holds the S&P 500 cap or trigger rate for the full surrender term rather than resetting annually.
S&P 500 annual cap rate
9.75%
Athene Protector 7 (7-year)
A seven-year-surrender fixed indexed annuity from an A+-rated carrier with no income rider, a clean fee-free strategy menu, and an unusual rate-lock option that holds the S&P 500 cap or trigger rate for the full surrender term rather than resetting annually.
S&P 500 annual cap rate
9.75%
Athene Velocity (2-year)
A ten-year, A+ rated fixed indexed annuity built for retirement income through an optional named GLWB rider that pays a higher lifetime rate the longer a buyer defers, paired with a participation-rate accumulation menu across the S&P 500 and six proprietary indexes.
Lifetime payout (GLWB)
3%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-27. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
4%
Income mechanism
PIV chassis
carrier illustration needed
Annual fee
—
not published
Premium
$100,000
Income calculation value
$100,000
Annual lifetime income
$4,000
This product uses a Protected Income Value income chassis. Current data did not publish a separate income-base roll-up or income-base bonus for this quick calculator, so it applies the lifetime withdrawal rate to the entered premium only; use a carrier illustration for full PIV mechanics.
Company overview
What Athene is
Athene describes itself as a leading retirement services company focused on financial security for retirees.
Checked 2026-06-18 · Athene Our Business page
The company serves individuals through retirement income and savings products and also serves corporations through institutional retirement channels.
As of 2026-03-31 overview · Athene Investor Relations overview
Athene lists retail annuities, flow reinsurance, pension group annuities, and funding agreement channels as diversified organic growth capabilities.
Checked 2026-06-18 · Athene Our Business page
Scale, labeled
Total GAAP assets
$447.8B
Athene-published financial performance figure.
As of 2026-03-31 · Athene Our Business page
Net invested assets
$300.3B
Athene-published financial performance figure.
As of 2026-03-31 · Athene Our Business page
Regulatory capital
$36B
Aggregate regulatory capital across Athene US and Bermuda insurance entities, as described by Athene.
As of 2026-03-31 · Athene Investor Relations overview
2024 net income
$3.46B
Static 2024 figure from the Athene research packet, tied to Athene investor-relations source material.
Year ended 2024-12-31 · Athene 2024 Form 10-K; Athene research packet
History highlights
Founded in 2009, Athene built its business around retirement savings and retirement-income solutions rather than a century-old life-insurance franchise.
Founded 2009 · Athene Our Business page; Athene research packet
Athene expanded through retail annuities, flow reinsurance, pension group annuities, and funding agreements.
Checked 2026-06-18 · Athene Our Business page
The Apollo merger completed in 2022, making ownership and asset-origination access a central part of the carrier story.
Closed 2022-01-03 · Apollo merger completion release
Apollo ownership and Athene's credit profile
Apollo and Athene completed their merger under Apollo Global Management in January 2022, bringing the asset-management and retirement-services businesses under the Apollo public-company structure.
Closed 2022-01-03 · Apollo merger completion release
Athene states that it maintains a separate capital structure and credit profile after the Apollo merger.
Checked 2026-06-18 · Athene Investor Relations overview
Athene describes access to Apollo's proprietary investment-grade origination and retirement-services asset-management expertise as a competitive advantage.
Checked 2026-06-18 · Athene Our Business page
Financial strength
AM Best
CurrentA+
Superior financial-strength rating; stable outlook on Athene primary insurance subsidiaries.
As of 08/2025
What makes Athene different
Retirement services, not only retail annuities
Athene combines individual annuity products with institutional channels such as pension group annuities, funding agreements, and reinsurance.
Checked 2026-06-18 · Athene Our Business page
Apollo relationship
The Apollo relationship matters because Athene explicitly connects its competitive position to Apollo investment-grade origination and retirement-services asset-management expertise.
Checked 2026-06-18 · Athene Our Business page
Multiple growth channels
Athene names retail annuities, flow reinsurance, pension group annuities, and funding agreements as growth channels, giving the company a broader platform than a product-only carrier story.
Checked 2026-06-18 · Athene Our Business page
High published ratings profile
The carrier-published ratings page lists stable outlooks and A+ or A1 financial-strength ratings for primary insurance subsidiaries across the four major agencies.
AM Best/S&P/Fitch 08/2025; Moody's 07/2025 · Athene Ratings page
About Athene
Athene is headquartered in West Des Moines, Iowa, and is part of Apollo Global Management. Its carrier story is anchored in retirement income, retirement savings, pension risk transfer, funding agreements, and reinsurance.
Checked 2026-06-18 · Athene Our Business page; Apollo merger completion release
The company has grown from a post-financial-crisis retirement specialist into a broad retirement-services platform. Athene describes its business model as earning spread by earning more on assets than it pays on liabilities.
Checked 2026-06-18 · Athene Our Business page
On ARHQ, Athene product cards and the analyzer are intentionally live-data driven: the profile supplies story and context, while product availability, rates, riders, caps, and guaranteed terms come from CANNEX-backed feeds.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
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Sources
- Athene Investor Relations overview — 2026-06-18
- Athene Our Business page — 2026-06-18
- Athene Current Ratings and Reports — 2026-06-18
- Apollo completes merger with Athene — 2022-01-03
- Athene 2024 Form 10-K — Year ended 2024-12-31
- Athene research packet - ownership, history, scale, product architecture, and source list — June 2026 packet
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX via AdvisorWorld public API — At render