Athene Performance Elite 7
Athene Annuity and Life Company
11%
Best Cap
10%
Free W/D
50
States
A fixed indexed annuity designed to help accumulate retirement savings with guaranteed protection from market losses and flexible income options. Suited for people who want growth potential tied to market indices without direct stock exposure.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$10,000
Surrender
7 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| AI Powered Global Opportunities Index | 2-Year | -- | 235% | -- |
| AI Powered Global Opportunities Index | Annual | -- | 170% | -- |
| AI Powered US Equity Index | 2-Year | -- | 255% | -- |
| AI Powered US Equity Index | Annual | -- | 195% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | 2-Year | -- | 335% | -- |
| BNP Paribas Multi Asset Diversified 5 Index | Annual | -- | 195% | -- |
| Nasdaq FC Index | 2-Year | -- | 225% | -- |
| Nasdaq FC Index | Annual | -- | 115% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | 2-Year | -- | 118% | -- |
| S&P 500 FC TCA 0.50% Decrement Index (USD) ER | Annual | -- | 110% | -- |
| S&P 500 Index | Annual | 11% | 100% | -- |
| UBS Innovative Balanced Index | 2-Year | -- | 185% | -- |
| UBS Innovative Balanced Index | Annual | -- | 140% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Guaranteed Minimum Contract Value
100% principal protectionYour annuity will never have less than the guaranteed minimum value, protecting you from market downturns
Premium Bonus
Credited at issue (varies by product)Immediate bonus applied to your initial investment, increasing your starting accumulated value
Annual Free Withdrawals
10% annually (7-yr) or 5% annually (10/15-yr)Penalty-free access to a portion of your money each year without withdrawal charges or market value adjustments
Indexed Interest Crediting
0% floor, no losses in down marketsEarn interest based on external market index performance, with a cap rate or participation rate limiting upside but locking in gains
Strategy Preset (Athene exclusive)
Reduces need for active managementAutomated, hands-free allocation across diversified index strategies with annual rebalancing
Liquidity Rider (Plus versions)
0.95% annual rider chargeOptional rider providing enhanced free withdrawal amounts and return of premium benefit after year 4
Death Benefit
Paid before annuitizationGuarantees your beneficiary receives the full accumulated value or minimum guaranteed value, whichever is greater
Tax-Deferred Growth
Applies to both fixed and indexed strategiesInterest earnings are not taxed until you withdraw money, allowing compound growth over time
Highlights
Fixed indexed annuity with guaranteed minimum contract value—no direct stock market risk
Premium bonus credited at issue, plus interest crediting strategies with growth potential
Annual free withdrawals (10% on 7-year, 5% on 10/15-year contracts) plus RMD access
Optional Liquidity Rider adds enhanced flexibility with 20% penalty-free withdrawal option
Multiple interest crediting strategies including fixed rate, indexed options, and Strategy Preset automation
Surrender Schedule
Yr 1
9%
Yr 2
8.8%
Yr 3
7.9%
Yr 4
6.9%
Yr 5
5.9%
Yr 6
5%
Yr 7
4%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Individuals seeking long-term retirement savings with downside protection who can tolerate a withdrawal charge period and want flexibility to access money through annual free withdrawals or in case of qualifying hardship.
Consider Alternatives If
People who need immediate or frequent access to their full account value without penalties, or those seeking pure market-return investments without protection from losses.
Carrier Ratings
Free Comparison Report
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