Athene Accumulator 5
Athene Annuity and Life Company
9%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity designed for accumulation with 5-year crediting strategies that offer higher participation rates while protecting against market losses. Best suited for those nearing retirement who want growth potential without risking their principal.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
5 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Global Opportunities Index | 2-Year | -- | 200% | -- |
| AI Powered Global Opportunities Index | Annual | -- | 140% | -- |
| AI Powered US Equity Index | 2-Year | -- | 205% | -- |
| AI Powered US Equity Index | Annual | -- | 155% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | 2-Year | -- | 280% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 195% | -- |
| Nasdaq FC Index | 2-Year | -- | 190% | -- |
| Nasdaq FC Index | Annual | -- | 120% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | 2-Year | -- | 130% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 88% | -- |
| S&P 500 Index | 5Y | -- | 83% | -- |
| S&P 500 Index | Annual | 9% | 100% | -- |
| UBS Innovative Balanced Index | 2-Year | -- | 200% | -- |
| UBS Innovative Balanced Index | Annual | -- | 145% | -- |
| Fixed Account | Daily | -- | -- | 4.4% |
Key Features
5-Year Crediting Strategies
Up to 50% participation rate shown in examplesLonger crediting periods allow for higher participation rates in index gains
Principal Protection
100% principal protectionYour original premium is guaranteed - you cannot lose money due to market downturns
Multiple Index Options
7 total crediting strategies availableChoose from S&P 500, AI-powered multi-asset index, or value-focused sector rotation strategies
Enhanced Death Benefit
Interim value calculation includedBeneficiaries receive accumulated value plus portion of current period index gains
Free Withdrawals
10% annual free withdrawalAccess up to 10% of premium or accumulated value annually without charges
Tax-Deferred Growth
Full tax deferral on gainsEarnings grow without current taxation until withdrawn
Highlights
Protection from market losses while capturing growth potential through multiple index options
5-year crediting periods allow for higher participation rates than typical 1-year strategies
All interest crediting rates guaranteed for the entire withdrawal charge period - no surprises
Enhanced death benefit includes portion of current period index gains, not just accumulated value
Innovative Annual Interval Sum strategy measures performance annually but credits over 5 years
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 nearing retirement who want to protect what they've saved while still participating in market growth potential.
Consider Alternatives If
Those who need immediate access to large portions of their money or want guaranteed income payments.
Carrier Ratings
Free Comparison Report
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From the AdvisorWorld.com Community