Athene AccuMax 5
Athene Annuity and Life Company
10%
Free W/D
50
States
AccuMax 5 is a fixed indexed annuity designed for people nearing or in retirement who want meaningful growth potential without risking their principal. It uses multi-year crediting periods to offer higher returns while protecting against market losses.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Multi-Asset Index | 5Y | -- | 305% | -- |
| AI Powered Multi-Asset Index | Annual | -- | 165% | -- |
| Shiller Barclays CAPE Allocator 6 Index | 5Y | -- | 335% | -- |
| Shiller Barclays CAPE Allocator 6 Index | Annual | -- | 160% | -- |
| S&P 500 Index | 5Y | -- | 83% | -- |
| S&P 500 Index | Annual | -- | 78% | -- |
| Fixed Account | Daily | -- | -- | 3.9% |
Key Features
Multi-Year Crediting Strategies
1 or 5 year terms availableLock in gains over 5 years (or choose annual with 1-year) to capture larger index movements while maintaining downside protection
Principal Protection Guarantee
0% floor on total performance over termYour accumulated value and death benefit are guaranteed never to be less than your original premium, regardless of market performance
Annual Interval Sum Crediting
-10% annual floor; 0% cumulative floorMeasures index performance each year and sums positive gains (with participation rate applied) while limiting negative years to -10% floor
Index Options
3 index choicesChoose from S&P 500, AI Powered Multi-Asset Index (AiMAX), or Shiller Barclays CAPE Allocator 6 for diversified strategies
Penalty-Free Withdrawals
10% annual free withdrawalAccess up to 10% of premium each contract year without withdrawal charges or market value adjustments
Tax-Deferred Growth
Tax deferral on all gainsInterest earnings accumulate without annual tax reporting until withdrawn
Enhanced Death Benefit
Interim value included in death benefitBeneficiary receives accumulated value plus a portion of current-period index gains, not just the current value
Guaranteed Rates
Rates guaranteed for 5-year termAll crediting strategy rates are set and locked in at issue for the entire withdrawal charge period, eliminating rate uncertainty
Highlights
Multi-year crediting strategies (1 or 5 years) offer higher participation rates than standard annual FIAs
Principal protection guaranteed — you'll never receive less than your original premium, even if markets decline
Choice of 7 crediting strategies across 3 index options plus fixed rate, allowing customization to your risk tolerance
Annual Interval Sum crediting method lets you measure index performance year-by-year while locking in multi-year gains
Free annual withdrawals up to 10% of premium with no surrender charges or market value adjustments
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
People within 5 years of retirement who want to grow their nest egg while protecting principal from market losses, and who can commit funds for multi-year periods.
Consider Alternatives If
Those who need immediate access to all their funds or expect to withdraw large sums within the first 5 years may face penalties and losses.
Carrier Ratings
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