Annuity rate data from AdvisorWorld and CANNEX carrier feeds

Check the data date shown with any rate before you rely on it. View current rates

Free personalized report

What would you like your money to do?

Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed optionsPlan retirement incomeExplore income choicesCompare my optionsGet a personal starting point
Fixed Indexed Annuity

Athene Accumulator 7

Athene

Get my rate report

10.25%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: October 2, 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 7 would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,762
Est. value at age 80 (Athene Accumulator 7)
10.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.25% Cap (Annual)
✦
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 7's published cap rate (10.25% on S&P 500 Index) to a standard benchmark 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 October 2, 2026.

Free Comparison Report

Get an Athene Accumulator 7 rate report

See how Athene Accumulator 7 compares for your age, state, premium, and income goals alongside other Athene fixed indexed annuity options.

Get my rate report

rate data

Run numbers for Athene Accumulator 7

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

10.25% cap on S&P 500

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.

1-year term7-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a shorter seven-year surrender commitment, one recognizable S&P 500 cap to compare against other FIAs, and access to a broader menu of proprietary participation-rate strategies from a large A+-rated carrier — and who do not need a guaranteed lifetime-income rider built into the contract.

AM Best

A+ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.25% cap rate

Rate effective Aug 28, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

S&P 500

S&P 500 Index

85% participation rate

Rate effective Aug 28, 2026

5-year point-to-point

Requested state: TX

5-year term · 7-year surrender · $100,000+

Fixed Account

Fixed Account

5.05% declared rate

Rate effective Aug 28, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

+ 12 additional crediting options (BNP Paribas, Nasdaq FC, AI Powered...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Athene Annuity and Life Company carries an A+ A.M. Best rating, so the carrier strength view on this page is from a recognized agency.
  • Surrender term runs seven years, a shorter commitment than the ten-year deferral common on many indexed annuities at this premium level.
  • The index menu spans a recognizable S&P 500 annual point-to-point cap alongside multiple proprietary volatility-controlled participation-rate strategies (BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, S&P 500 FC TCA Decrement), so buyers who want one like-for-like comparison point plus broader proprietary exposure can build that mix inside one contract.
  • Several proprietary indexes are offered in both a one-year point-to-point and a two-year point-to-point form on the same contract, so a buyer can pick the crediting cadence that fits their planning horizon.
  • Free-withdrawal allowance, the full surrender ladder, and the available surrender waivers (nursing-home and terminal-illness) are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider on this contract — do not compare its lifetime payout side-by-side with a rider-led income FIA using only what is on this page.
  • Only one strategy on this contract is a cap on a recognizable benchmark (the S&P 500 annual point-to-point cap). Every other strategy is a participation rate on a proprietary volatility-controlled index — those participation numbers can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several of these indexes have shorter live-track histories than the S&P 500 itself.
  • The death benefit on this contract pays cash surrender value, with no roll-up and no step-up — 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.
  • There is no premium bonus on this contract — buyers cross-shopping against bonus FIAs should weigh that difference explicitly rather than only comparing headline strategy rates.
  • The guaranteed-minimum cap floor on this contract is very low — caps on the S&P 500 strategy can reset down toward that floor over the surrender term, and the buyer carries that renewal risk for the full seven years.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a premium bonus to offset the surrender term, expect a death-benefit roll-up beyond cash surrender value, or need short-surrender liquidity — none of those are what this contract is built to deliver.

Free Comparison Report

Get an Athene Accumulator 7 rate report

See how Athene Accumulator 7 compares for your age, state, premium, and income goals alongside other Athene fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (30 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 225% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 225% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 178% · 1-yr

AI Powered US Equity Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 178% · 1-yr

AI Powered US Equity Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 162% · 1-yr

UBS Innovative Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 162% · 1-yr

UBS Innovative Balanced Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 160% · 1-yr

AI Powered Global Opportunities Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 160% · 1-yr

AI Powered Global Opportunities Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 133% · 1-yr

Nasdaq FC Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 133% · 1-yr

Nasdaq FC Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 102% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 102% · 1-yr

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

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Fixed: 5.05% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Fixed: 5.05% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrender$100,000+

Par: 320% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 320% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 240% · 2-yr

AI Powered US Equity Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 240% · 2-yr

AI Powered US Equity Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 225% · 2-yr

AI Powered Global Opportunities Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 225% · 2-yr

UBS Innovative Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 225% · 2-yr

AI Powered Global Opportunities Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 225% · 2-yr

UBS Innovative Balanced Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 215% · 2-yr

Nasdaq FC Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 215% · 2-yr

Nasdaq FC Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 147% · 2-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 147% · 2-yr

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

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 85% · 5-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 28, 20267-yr surrender$100,000+

Par: 85% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

Athene Accumulator 7 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 7

● Can I lose money in Athene Accumulator 7?

A negative index return by itself does not reduce the contract's account value: Athene Accumulator 7 credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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 scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Athene Accumulator 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Athene Accumulator 7 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

brochure

65175 - 7 .pdf

Confidence: highReviewed Apr 5, 2026

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

brochure

73007.pdf

Confidence: highReviewed Apr 1, 2026

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

Carrier Ratings

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

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Athene Accumulator 7 currently shows 30 indexed or fixed crediting options, including S&P 500 Index, with 24 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: 10.25% annual cap, 0% annual strategy fee
  • S&P 500 Index: 10.25% annual cap
  • S&P 500 Index: 85% 5-year participation rate, 0% annual strategy fee
  • S&P 500 Index: 85% 5-year participation rate

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
  • 7 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 - 7 .pdf and 73007.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 an Athene Accumulator 7 rate report

See how Athene Accumulator 7 compares for your age, state, premium, and income goals alongside other Athene fixed indexed annuity options.

Get my rate report

Related Resources

Free personalized report

What would you like your money to do?

Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed optionsPlan retirement incomeExplore income choicesCompare my optionsGet a personal starting point

Machine-readable citation contract

Cite this

Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.

Page citation: Source: AnnuityRatesHQ · https://annuityrateshq.com/providers/athene/fia/athene-accumulator-7
<a href='https://annuityrateshq.com/rate-index'>Rate data: AnnuityRatesHQ Annuity Rate Index</a>

Full attribution terms and copy-ready HTML: annuityrateshq.com/cite-us

Get my free personal report