Athene Performance Elite 7 Plus
Athene Annuity and Life Company
11%
Best Cap
10%
Free W/D
50
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 you need it.
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 | -- | 175% | -- |
| 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
Premium Bonus
Not available on Performance Elite 7An immediate bonus credited to your account at issue that increases your initial Accumulated Value
Indexed Interest Crediting
0% minimum, never negativeInterest credits linked to external market indices (S&P 500, etc.) with Cap Rates or Participation Rates, credited at end of term
Fixed Interest Crediting
Declared each Contract YearGuaranteed fixed rate of interest declared annually by the company
Free Annual Withdrawals
10% (7-year) or 5% (10/15-year); 10% on Plus versionsPenalty-free access to a percentage of your account value each year
Withdrawal Charge Period
7, 10, or 15 years depending on term selectedFixed period during which excess withdrawals incur surrender charges and market value adjustments
Death Benefit
Paid before annuitizationGuaranteed payment to beneficiary of full Accumulated Value or Minimum Guaranteed Contract Value, whichever is greater
Strategy Preset
Not available in NHAutomatic allocation and annual rebalancing across multiple index strategies with no ongoing management required
Highlights
Fixed indexed annuity with guaranteed protection against market losses while providing growth potential tied to market index performance
Premium bonus credited at issue provides immediate increase to your account value
Flexible access through annual free withdrawals (10% for 7-year term, 5% for 10/15-year terms) plus enhanced liquidity options on Plus versions
Multiple interest crediting strategies including fixed rate, indexed options, and Strategy Preset for hands-free diversification
Optional Liquidity Rider on Plus versions allows 20% free withdrawal if no prior-year withdrawal and return of premium after 4 years
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, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking long-term retirement savings growth with downside market protection, flexibility for periodic access to funds, and the potential for lifetime income.
Consider Alternatives If
Investors needing immediate access to funds without penalties, those in high tax brackets seeking only tax deferral benefits without insurance features, or those uncomfortable with long-term commitment periods.
Carrier Ratings
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