Athene Accumulator 7
Athene Annuity and Life Company
9%
Best Cap
10%
Free W/D
50
States
A 7-year fixed indexed annuity designed for accumulation with multi-year crediting strategies that offer higher participation rates and complete market loss protection. Best suited for those nearing retirement who want growth potential with guaranteed principal protection.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$5,000
Surrender
7 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
Withdrawal Charge Period
7 yearsPeriod during which early withdrawals may incur charges
Free Withdrawals
Greater of 10% of premium or accumulated valueAnnual penalty-free access to your money
Index Options
S&P 500, AI Powered Multi-Asset, Shiller Barclays CAPE Allocator 6, FixedMultiple strategies to choose from
Crediting Terms
1-year or 7-year strategiesChoose between short-term flexibility or long-term higher rates
Rate Lock
Rates locked for entire withdrawal charge periodAll crediting strategy rates guaranteed at issue
Death Benefit
Accumulated Value plus pro-rated index growthEnhanced death benefit includes portion of current period gains
Confinement Waiver
Available after 60+ consecutive daysPenalty-free access if confined to qualified care facility
Terminal Illness Waiver
Expected death within one yearFull access if diagnosed with terminal illness
Highlights
Multi-year crediting strategies (1 or 7 years) with higher participation rates for potentially greater growth
Complete protection from market losses while maintaining upside growth potential
All rates guaranteed and locked in at issue for the entire withdrawal charge period
Multiple index options including S&P 500, AI-powered multi-asset, and volatility-controlled strategies
Annual Interval Sum crediting method provides benefits of multi-year strategy with annual performance measurement
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
Best For
Individuals approaching retirement who want growth potential with complete principal protection and are comfortable with a 7-year commitment.
Consider Alternatives If
Those who need immediate liquidity beyond the 10% annual free withdrawal amount or want guaranteed income payments.
Carrier Ratings
Free Comparison Report
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