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Fixed Indexed Annuity

Athene Accumulator 10

Athene Annuity and Life Company

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10%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: June 27, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Athene Accumulator 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 27, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,053
Est. value at age 80 (Athene Accumulator 10)
0%
Floor — index losses never reduce value
Athene Accumulator 10
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene Accumulator 10's published cap rate (10% on S&P 500 Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 27, 2026.

Free Comparison Report

Get a Athene Accumulator 10 rate report

See how Athene Accumulator 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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Live rate data

Run live numbers for Athene Accumulator 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Athene Annuity and Life Company product.

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap rate

10% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a ten-year deferral, want a recognizable S&P 500 cap exposure alongside a wide menu of proprietary participation-rate strategies, and value carrier strength corroborated across multiple recognized agencies — not a contractually guaranteed lifetime withdrawal rate from a rider.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10% cap rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

87% participation rate

5-year term · 10-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 24 additional crediting options (BNP Paribas, Nasdaq FC, AI Powered...)
View rate listings (30 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 220% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender$100,000+

Par: 178% · 1-yr

AI Powered US Equity Index

participation

10-yr surrender$100,000+

Par: 162% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrender$100,000+

Par: 160% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrender$100,000+

Par: 133% · 1-yr

Nasdaq FC Index

participation

10-yr surrender$100,000+

Par: 103% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 308% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender$100,000+

Par: 235% · 2-yr

AI Powered US Equity Index

participation

10-yr surrender$100,000+

Par: 220% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrender$100,000+

Par: 220% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrender$100,000+

Par: 210% · 2-yr

Nasdaq FC Index

participation

10-yr surrender$100,000+

Par: 143% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender$100,000+

Par: 87% · 5-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 210% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderUp to $99,999.99

Par: 170% · 1-yr

AI Powered US Equity Index

participation

10-yr surrenderUp to $99,999.99

Par: 155% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 153% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderUp to $99,999.99

Par: 127% · 1-yr

Nasdaq FC Index

participation

10-yr surrenderUp to $99,999.99

Par: 98% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrenderUp to $99,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 4.8% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 298% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderUp to $99,999.99

Par: 225% · 2-yr

AI Powered US Equity Index

participation

10-yr surrenderUp to $99,999.99

Par: 210% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderUp to $99,999.99

Par: 210% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 200% · 2-yr

Nasdaq FC Index

participation

10-yr surrenderUp to $99,999.99

Par: 135% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrenderUp to $99,999.99

Par: 82% · 5-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Product analyst notes

How to think about this contract

Why it can stand out

  • The crediting menu includes an annual point-to-point cap on the S&P 500, so a buyer gets at least one like-for-like comparison point against other FIAs on this site instead of only proprietary participation strategies.
  • Index lineup is unusually broad for a single contract — BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and an S&P 500 decrement index all appear, giving a buyer multiple volatility-controlled choices to weigh against the plain S&P cap.
  • Most index strategies are offered in both a one-year and a two-year measurement window, so a buyer who prefers a longer crediting window with a higher participation rate can choose that cadence on the same contract rather than going to a different product.
  • No published strategy fee on any current allocation — the participation and cap numbers on this page are gross of any allocation-charge deduction, which makes cross-strategy comparisons inside this product cleaner than on fee-bearing FIA menus.
  • Athene Annuity and Life Company carries an A+ rating from A.M. Best, Fitch, and S&P, plus an A1 from Moody's, so the carrier strength view on this page is corroborated across four recognized agencies rather than relying on a single rater.

What to confirm

  • This is an accumulation-only contract — there is no income rider, no Protected Income Value chassis, and no guaranteed-lifetime-withdrawal rate published on this page. A buyer who needs a contractually guaranteed income figure should not evaluate Accumulator 10 against rider-led income FIAs using only what is here.
  • Most of the index options are proprietary volatility-controlled indexes (Multi Asset Diversified, Nasdaq FC, AI Powered, UBS Innovative Balanced, and decrement variants). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself — evaluate each on its own merits.
  • Surrender lockup runs ten years on amounts above the free-withdrawal allowance, with no market-value adjustment in this data. This is a long-deferral commitment — confirm a buyer's liquidity plan before allocating money intended for use inside the term.
  • Participation and cap rates are tiered by premium band — the smaller-premium tier publishes lower participation rates than the larger-premium tier on the same strategy. Read the premium-band column when comparing a smaller-premium quote against a larger one.
  • The standard death benefit pays cash surrender value, not account value and not a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract.

Not ideal for

Buyers who need a published guaranteed-lifetime-withdrawal rate from an income rider, want short-surrender liquidity, need an account-value or rolled-up death benefit for heirs, or prefer a plain MYGA-style declared rate without any index strategy decisions — none of those are what this contract is built to deliver.

Free Comparison Report

Get a Athene Accumulator 10 rate report

See how Athene Accumulator 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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All crediting strategies

View rate listings (30 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 220% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender$100,000+

Par: 178% · 1-yr

AI Powered US Equity Index

participation

10-yr surrender$100,000+

Par: 162% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrender$100,000+

Par: 160% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrender$100,000+

Par: 133% · 1-yr

Nasdaq FC Index

participation

10-yr surrender$100,000+

Par: 103% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender$100,000+

Cap: 10% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 308% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender$100,000+

Par: 235% · 2-yr

AI Powered US Equity Index

participation

10-yr surrender$100,000+

Par: 220% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrender$100,000+

Par: 220% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrender$100,000+

Par: 210% · 2-yr

Nasdaq FC Index

participation

10-yr surrender$100,000+

Par: 143% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender$100,000+

Par: 87% · 5-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 210% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderUp to $99,999.99

Par: 170% · 1-yr

AI Powered US Equity Index

participation

10-yr surrenderUp to $99,999.99

Par: 155% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 153% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderUp to $99,999.99

Par: 127% · 1-yr

Nasdaq FC Index

participation

10-yr surrenderUp to $99,999.99

Par: 98% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrenderUp to $99,999.99

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Fixed: 4.8% · 1-yr

Fixed Account

fixed

10-yr surrenderUp to $99,999.99

Par: 298% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderUp to $99,999.99

Par: 225% · 2-yr

AI Powered US Equity Index

participation

10-yr surrenderUp to $99,999.99

Par: 210% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderUp to $99,999.99

Par: 210% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrenderUp to $99,999.99

Par: 200% · 2-yr

Nasdaq FC Index

participation

10-yr surrenderUp to $99,999.99

Par: 135% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrenderUp to $99,999.99

Par: 82% · 5-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Athene Accumulator 10 review notes

Explore the features and benefits of Athene Accumulator Fixed Indexed Annuity. Is it right for your retirement plan? Find out in our in-depth review.

4.5/5Read review
Nikhil Bhauwala

Common questions about Athene Accumulator 10

● Can I lose money in Athene Accumulator 10?

In a year the index falls, Athene Accumulator 10 credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does Athene Accumulator 10 compare to other FIAs?

Use "Compare against" in the analyzer to overlay Athene Accumulator 10 with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Death Benefit Rider

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

65175 - 10.pdf

Confidence: highReviewed Apr 5, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Athene Accumulator 10 currently shows 30 indexed or fixed crediting options, including S&P 500 Index and S&P 500 FC TCA 0.50% Decrement Index (USD) ER, with 20 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 10% cap
  • S&P 500 Index: 9.5% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 103% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 65175 - 10.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Athene Accumulator 10 rate report

See how Athene Accumulator 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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