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Fixed Indexed Annuity

Athene Performance Elite 10

Athene

Get my rate report

5.5%

Best S&P 500 Annual Cap

5%

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 Performance Elite 10 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
$354,377
Est. value at age 80 (Athene Performance Elite 10)
20%
Premium bonus offered
S&P 500 Index — 8% Cap (Strategy Fee Included · 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 Performance Elite 10's published cap rate (8% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $20,000 premium bonus (20%) = $120,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

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See how Athene Performance Elite 10 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 Performance Elite 10

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 cap rate

5.5% cap on S&P 500

A long-surrender, A+ rated growth-focused fixed indexed annuity that pairs a published premium bonus (vesting years seven through eleven) with a broad index menu including a recognizable S&P 500 annual point-to-point cap, no income rider attached.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing rollover or non-qualified money to a full ten-year deferral who want a meaningful up-front premium bonus, a wide proprietary-index menu to allocate across, and at least one recognizable S&P 500 cap as a like-for-like comparison point — and who do not need a guaranteed lifetime withdrawal rate from this contract.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

5%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.5% cap rate

Rate effective Oct 3, 2025

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

8% cap rate

Rate effective Oct 3, 2025

Annual point-to-point

Strategy fee: 1.25%/yr

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

8% cap rate

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.9% declared rate

Rate effective Oct 3, 2025

Fixed account

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

+ 36 additional crediting options (BNP Paribas, Nasdaq FC, AI Powered...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Contract pays a published premium bonus credited to the account value on day one — one of the larger up-front bonuses available on a current-issue fixed indexed annuity from a top-rated carrier, useful for a buyer rolling a known dollar amount in and willing to wait out the full deferral. The exact bonus percentage and its vesting schedule are visible directly on this page.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so a buyer gets at least one like-for-like comparison point against every other FIA on this site rather than only proprietary participation strategies.
  • Index lineup is unusually broad for a single contract — seven distinct index families, including BNP Paribas MAD 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, an S&P 500 decrement variant, and the standard S&P 500 — each available in both an annual and a two-year crediting cadence, and each offered in both a no-fee and a fee-bearing form so a buyer can weigh whether the higher rate justifies the allocation charge inside one contract.
  • Athene Annuity and Life is A+ rated by A.M. Best, the second-highest rating tier, so the carrier strength view on this page comes from a recognized agency.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the no-MVA flag, and the nursing-home, RMD, and terminal-illness waivers are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • Surrender period runs the full ten years, and the published premium bonus is structured to vest in equal steps starting in year seven — a buyer who exits before year seven loses the entire bonus, and any exit before year eleven forfeits part of it. Read the bonus vesting column on the page before treating the headline bonus number as money in hand.
  • Most of the index options are proprietary volatility-controlled or excess-shows indexes whose participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap. Several have shorter live-track histories than the S&P 500 itself — evaluate each strategy on its own merits.
  • The fee-bearing parallel strategies carry a published annual allocation charge that is deducted regardless of index performance. A higher participation or cap on a fee-bearing strategy is not directly comparable to a no-fee strategy at the same headline rate — read the fee column on the strategy table before reading the rate.
  • This contract has no lifetime income rider in the current data — Performance Elite 10 is built for accumulation, not guaranteed lifetime withdrawals. A buyer who needs a contractually guaranteed lifetime payout should look at a rider-led product instead.
  • The standard death benefit on this contract pays cash surrender value rather than account value or 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 contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity inside the first six years, plan to exit before the year-seven bonus vesting starts, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

Free Comparison Report

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See how Athene Performance Elite 10 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 (54 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: 185% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 185% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 150% · 1-yr

AI Powered US Equity Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 150% · 1-yr

AI Powered US Equity Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 110% · 1-yr

Nasdaq FC Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 110% · 1-yr

Nasdaq FC Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 107% · 1-yr

AI Powered US Equity Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 107% · 1-yr

AI Powered US Equity Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

AI Powered Global Opportunities Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

UBS Innovative Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

AI Powered Global Opportunities Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 95% · 1-yr

UBS Innovative Balanced Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

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

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 85% · 1-yr

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

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 77% · 1-yr

Nasdaq FC Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 77% · 1-yr

Nasdaq FC Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

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

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 8% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Cap: 8% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 5.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Cap: 5.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Fixed: 2.9% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Fixed: 2.9% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 255% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 255% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 195% · 2-yr

AI Powered US Equity Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 195% · 2-yr

AI Powered US Equity Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 170% · 2-yr

Nasdaq FC Index

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 170% · 2-yr

Nasdaq FC Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 140% · 2-yr

AI Powered US Equity Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 140% · 2-yr

AI Powered US Equity Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

AI Powered Global Opportunities Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

UBS Innovative Balanced Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

AI Powered Global Opportunities Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 125% · 2-yr

UBS Innovative Balanced Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 120% · 2-yr

Nasdaq FC Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 120% · 2-yr

Nasdaq FC Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

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

Strategy Fee Included · Point-to-point · 1.25% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

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

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 80% · 2-yr

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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Oct 3, 202510-yr surrenderDoes not vary by premium

Par: 80% · 2-yr

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

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

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 Performance Elite 10 review notes

Explore the Athene Performance Elite Fixed Indexed Annuity for growth, principal protection, and liquidity. Learn about its features and benefits.

5/5Read review
Nikhil Bhauwala

Common questions about Athene Performance Elite 10

● Can I lose money in Athene Performance Elite 10?

A negative index return by itself does not reduce the contract's account value: Athene Performance Elite 10 credits 0% — the floor — for that indexed period. The account value can still decrease from published strategy fees, withdrawals, surrender charges, 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.

● 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 10 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 Performance Elite 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Athene Performance Elite 10 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

Premium bonus

20%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

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

8.3%

Yr 2

8%

Yr 3

7.1%

Yr 4

6.2%

Yr 5

5.3%

Yr 6

4.4%

Yr 7

3.5%

Yr 8

2.6%

Yr 9

1.6%

Yr 10

0.9%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver

Documents

brochure

Athene Performance Elite 10 brochure pdf 2.pdf

Confidence: highReviewed Apr 14, 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 Performance Elite 10 currently shows 54 indexed or fixed crediting options, including S&P 500 Index, with 48 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 8% annual cap, Fee-bearing option, 1.25% annual strategy fee
  • S&P 500 Index: 5.5% annual cap
  • S&P 500 Index: 8% annual cap, Fee-bearing option

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
  • 10 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 Athene Performance Elite 10 brochure pdf 2.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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 Performance Elite 10 rate report

See how Athene Performance Elite 10 compares for your age, state, premium, and income goals alongside other Athene fixed indexed annuity options.

Get my rate report

Related Resources

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