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Fixed Indexed Annuity

Athene BCA 12 2.0

Athene

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5%

Free W/D

31

Available jurisdictions

Product data status: August 6, 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 BCA 12 2.0 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 August 6, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$172,511
Est. value at age 80 (Athene BCA 12 2.0)
2
Broad-market strategies
MSCI MKT MediaStats Multi-Asset Index — 200% Participation (Strategy Fee Included · 2-yr point-to-point · 0.95% fee)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene BCA 12 2.0's published participation rate (200% on MSCI MKT MediaStats Multi-Asset Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Net growth deducts the 0.95% annual strategy fee listed for this strategy. Not a projection, quote, or guarantee. Live CANNEX rates as of August 6, 2026.

Free Comparison Report

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See how Athene BCA 12 2.0 compares for your age, state, premium, and income goals alongside other Athene fixed indexed annuity options.

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rate data

Run numbers for Athene BCA 12 2.0

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

Live product data

Rates as of August 6, 2026, from AdvisorWorld and CANNEX.

Current crediting strategy detail

52% participation on S&P 500

Athene BCA 12 2.0 is currently shown as an FIA with live crediting and contract facts available, but current live data does not include published lifetime-income rider details for an age-60, year-10 comparison; treat those specifics as unavailable until the carrier publishes them.

2-year term12-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers and advisors comparing Athene BCA 12 2.0's live crediting menu, surrender structure, ratings, and state availability while treating income-rider specifics as unavailable unless a carrier illustration or source-backed CANNEX rider response supplies them.

AM Best

A+ Superior

Surrender period

12 years

Free withdrawal

5%/yr

Availability

31 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

52% participation rate

Participation

2-year term · 12-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

65% participation rate

Participation

Strategy fee: 0.95%/yr

2-year term · 12-year surrender · Does not vary by premium

+ 12 additional crediting options (Shiller Barclays, WisdomTree Siegel, MSCI MKT...)

Lifetime Income Riders

Income rider

BALIR Flex Growth - Income

Lifetime payout rate2.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier2x interest multiplier

Income rider

BALIR SGO Max - Income

Lifetime payout rate2.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier100% interest multiplier

Income rider

BALIR Flex Growth - Inflation-Indexed Income

Lifetime payout rate1.9% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier2x interest multiplier

Income rider

BALIR SGO Max - Inflation-Indexed Income

Lifetime payout rate1.9% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier100% interest multiplier

Income rider

BALIR Flex Growth - Earnings-Indexed Income

Lifetime payout rate1.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier2x interest multiplier

Income rider

BALIR SGO Max - Earnings-Indexed Income

Lifetime payout rate1.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier100% interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • Current live data includes strategy, surrender, ratings, and availability details for this contract, but not published lifetime-income rider terms for an age-60, year-10 comparison.
  • Use the live crediting menu and contract facts on this page for comparison until CANNEX publishes rider-level income mechanics for this product.
  • If CANNEX later publishes rider-level terms, those details can support a direct lifetime-income comparison without relying on brochure assumptions.

What to confirm

  • Do not quote a GLWB/PIV payout rate, income-base growth rate, equivalent income base, or rider-fee comparison from this page while those lifetime-income rider details remain unavailable in the live data.
  • For any lifetime-income recommendation, request a carrier illustration or CANNEX comparison that includes the exact rider terms.
  • Crediting rates, strategy availability, surrender terms, and state availability can vary by filing, premium, age, and state; confirm the current terms for the buyer's situation.

Not ideal for

Buyers who need source-backed lifetime-income specifics directly from this page should not rely on this product page alone; use a carrier illustration or a CANNEX response that publishes rider mechanics.

Free Comparison Report

Get an Athene BCA 12 2.0 rate report

See how Athene BCA 12 2.0 compares for your age, state, premium, and income goals alongside other Athene fixed indexed annuity options.

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All crediting strategies

View rate listings (14 strategies)

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

Par: 280% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 255% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 245% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 225% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 225% · 2-yr

RAFI Harvey GS Index

participation

12-yr surrenderDoes not vary by premium

Par: 205% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

participation

12-yr surrenderDoes not vary by premium

Par: 200% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 195% · 2-yr

Shiller Barclays Global Index

participation

12-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

WisdomTree Siegel Strategic Value Index

participation

12-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

participation

12-yr surrenderDoes not vary by premium

Par: 122% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 105% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

participation

12-yr surrenderDoes not vary by premium

Par: 65% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

12-yr surrenderDoes not vary by premium

Par: 52% · 2-yr

S&P 500 Index

participation

12-yr surrenderDoes not vary by premium

Income riders

Income rider

BALIR Flex Growth - Level Income

Lifetime withdrawal rate2.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier2× multiplier

GLWB

Income rider

BALIR Flex Growth - Earnings-Indexed Income

Lifetime withdrawal rate1.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier2× multiplier

GLWB

Income rider

BALIR Flex Growth - Inflation-Indexed Income

Lifetime withdrawal rate1.9%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier2× multiplier

GLWB

Income rider

BALIR SGO Max - Earnings-Indexed Income

Lifetime withdrawal rate1.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier100% multiplier

GLWB

Income rider

BALIR SGO Max - Inflation-Indexed Income

Lifetime withdrawal rate1.9%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier100% multiplier

GLWB

Income rider

BALIR SGO Max - Level Income

Lifetime withdrawal rate2.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier100% multiplier

GLWB

Common questions about Athene BCA 12 2.0

● Can I lose money in Athene BCA 12 2.0?

A negative index return by itself does not reduce the contract's account value: Athene BCA 12 2.0 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 5% 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.

● Is the BALIR Flex Growth - Level Income income rider worth the 1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 4.5% roll-up and 2.75% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

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

Up to 5% of your account value each year is penalty-free. The scheduled surrender charges run 12 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 BCA 12 2.0's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Athene BCA 12 2.0 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

5%/yr

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

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Death Benefit - CV

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

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

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

14.5%

Yr 2

14%

Yr 3

13.5%

Yr 4

13%

Yr 5

12%

Yr 6

11%

Yr 7

10%

Yr 8

9%

Yr 9

8%

Yr 10

7%

Yr 11

6%

Yr 12

4%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

83150-BCA10-2.0-Additional-Product-Insert.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 BCA 12 2.0 currently shows 14 indexed or fixed crediting options, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 52% 2-year participation rate
  • S&P 500 Index: 65% 2-year participation rate, Fee-bearing option, 0.95% annual strategy fee

Income rider language

What to look for before treating the rider as income

BALIR Flex Growth - Level Income is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 2.75% withdrawal rate
  • 1% rider fee

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.

  • 5%/yr free withdrawal
  • 12 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as 83150-BCA10-2.0-Additional-Product-Insert.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 BCA 12 2.0 rate report

See how Athene BCA 12 2.0 compares for your age, state, premium, and income goals alongside other Athene fixed indexed annuity options.

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