Athene Performance Elite 15 Plus
Athene Annuity and Life Company
9.5%
Best Cap
10%
Free W/D
34
States
A fixed indexed annuity designed to help you accumulate retirement savings with guaranteed downside protection, growth potential linked to market indices, and flexible access to your money when needed.
Free Withdrawal
10%/yr
Available In
34 states
Min Premium
$10,000
Surrender
15 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Global Opportunities Index | 2-Year | -- | 160% | -- |
| AI Powered Global Opportunities Index | Annual | -- | 155% | -- |
| AI Powered US Equity Index | 2-Year | -- | 230% | -- |
| AI Powered US Equity Index | Annual | -- | 130% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | 2-Year | -- | 225% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 165% | -- |
| Nasdaq FC Index | 2-Year | -- | 150% | -- |
| Nasdaq FC Index | Annual | -- | 127% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | 2-Year | -- | 135% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 75% | -- |
| S&P 500 Index | Annual | 9.5% | 100% | -- |
| UBS Innovative Balanced Index | 2-Year | -- | 160% | -- |
| UBS Innovative Balanced Index | Annual | -- | 155% | -- |
| Fixed Account | Daily | -- | -- | 3.7% |
Key Features
Indexed Interest Crediting
Variable, depends on index performance and selected strategyInterest credits based on external market index performance with a Cap Rate or Participation Rate, locked in at the end of each term period
Guaranteed Floor
0% minimum guaranteeInterest credits will never be less than 0%, protecting you from market downturns
Premium Bonus
Percentage determined at issue; enhanced bonus on Plus versionsImmediate credit applied to your initial investment at contract issue
Annual Free Withdrawals
10% annually (7-year) or 5% annually (10/15-year); 10% on Plus versions starting Year 1Penalty-free withdrawals allowed each year without triggering withdrawal charges
Fixed Crediting Strategy
Rate declared each contract year by AtheneAlternative option providing a guaranteed fixed interest rate declared annually
Strategy Preset
Preset portfolio blends with automatic annual rebalancingAutomated 'hands-free' allocation across diversified index strategies with annual rebalancing
Death Benefit
100% of greater of accumulated value or guaranteed minimumBeneficiary receives full accumulated value or minimum guaranteed value, whichever is greater
Tax Deferral
Full tax deferral on all interest credits and earningsGrowth compounds tax-deferred until withdrawals, providing tax efficiency in accumulation phase
Highlights
Protection from market downturns with guaranteed 0% minimum interest credits
Flexible growth strategies including indexed options tied to market performance
Annual free withdrawals (10% for 7-year, 5% for 10/15-year contracts) plus waivers for confinement and terminal illness
Premium bonus credited at issue, plus enhanced bonus option with Plus versions
Optional liquidity rider for additional flexibility with 20% enhanced free withdrawals
Surrender Schedule
Yr 1
15%
Yr 2
15%
Yr 3
14%
Yr 4
14%
Yr 5
13%
Yr 6
13%
Yr 7
12%
Yr 8
11%
Yr 9
10%
Yr 10
9%
Yr 11
8%
Yr 12
7%
Yr 13
6%
Yr 14
5%
Yr 15
4%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking long-term retirement savings with capital protection, those wanting market-linked growth without direct stock market exposure, and investors comfortable with 7-15 year holding periods.
Consider Alternatives If
Investors needing immediate access to principal without penalty, those in high tax brackets who don't benefit from tax deferral, or individuals uncomfortable with indexed market participation caps and participation rates.
Carrier Ratings
Free Comparison Report
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