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Athene MaxRate — Athene Annuity and Life Company
Athene Annuity and Life Company
Best available rate
5.95%
7-yr guarantee · 7-yr surrender schedule · $100,000+ premium
Highest current rate across the available 3-year, 5-year, and 7-year guarantee terms.
View all rates and terms ↓51
Jurisdictions
Rates as of October 12, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Athene MaxRate
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Athene Annuity and Life Company product.
Live product data
Rates as of October 12, 2026, from AdvisorWorld and CANNEX.
3-year guaranteed rate
5.65% guaranteed for 3 years
A multi-year guaranteed annuity from an A+ rated carrier offering 3-, 5-, and 7-year guaranteed-rate terms with premium-banded pricing, a level surrender ladder with market value adjustment, a published free-withdrawal allowance, and nursing-home and terminal-illness waivers.
Best fit
Safety-first buyers who want a known, contractually guaranteed annual rate for a fixed term from a top-tier-rated carrier, can match the contract term length to a defined planning horizon, and value the option to size their contribution into the higher premium band for an uplifted guaranteed rate.
Available guarantee terms
3, 5, and 7 years
AM Best
A+ Superior
Available surrender terms
3, 5, and 7 years
Product analyst notes
How to think about this contract
Why it can stand out
- Top-tier carrier financial-strength rating from more than one agency — A.M. Best A+, Fitch A+, Standard & Poor's A+, and Moody's A1 are all visible on this page, so the strength view is not a single-source read and buyers can verify the rating consensus before locking principal for the guarantee period.
- Multiple guarantee-period choices (3-year, 5-year, and 7-year) are filed under the same product, so a buyer can match the term length to a specific planning horizon rather than being forced into a single fixed length, and the rate-by-term table on this page shows the trade-off directly.
- Premium-banding rewards larger contributions — the rate schedule shows a separate band at the higher premium tier with an uplifted guaranteed rate compared to the lower-premium band, so a buyer pooling funds can see the uplift before purchase rather than learning about it from the carrier mid-application.
- Liquidity scope is visible directly on this page — the free-withdrawal allowance, the full surrender ladder, the nursing-home and terminal-illness waivers, and the market-value-adjustment flag are all shown from the live feed rather than gated behind a sales brochure.
- Multiple ownership and funding structures are supported on the same contract — qualified and non-qualified money, and single, joint, trust, or corporate ownership are all listed in the live feed, so a buyer with a non-standard ownership structure does not need a different filing.
What to confirm
- A market value adjustment applies on surrenders above the free-withdrawal allowance during the surrender period, so the value a buyer can actually walk away with on an early exit can be lower (or higher) than the stated account value depending on where interest rates have moved since issue. Confirm with the carrier exactly how the MVA is computed before any planned partial surrender.
- Surrender charges are level across every year of the surrender ladder rather than declining year-by-year as on many competing filings — the live feed shows the same surrender charge from year one through the end of the schedule, so a buyer planning a possible mid-term exit should price the charge against the guaranteed rate before committing.
- The death benefit on this contract is Cash Surrender Value — a beneficiary receives the account value net of any applicable surrender charge and market value adjustment, not a stepped-up or rollup-enhanced value. Buyers who specifically want an enhanced death benefit should look for a different filing.
- Premium-band pricing means the headline guaranteed rate may not apply to a buyer's actual contribution — confirm which premium band the planned deposit falls into before relying on a specific rate, and re-check the rate-by-term table for the matching band.
- The entire value proposition of this contract is the declared guaranteed rate for the chosen term — there is no shows-of-premium feature and no upfront premium bonus, so a buyer evaluating it should weigh the guaranteed rate and the liquidity terms on their own merits.
Not ideal for
Buyers who need short-surrender liquidity without a market value adjustment, want a stepped-up or rollup-enhanced death benefit, expect a shows-of-premium feature, or cannot commit principal to a fixed guarantee period — a multi-year guaranteed annuity is not designed to deliver any of those.
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Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|---|
| 19-state version · MVA · No liquidity rider | 3-Year | Not available | Sep 25, 2026 | 5.65%Compound annual rate |
| 19-state version · MVA · No liquidity rider | 5-Year | Not available | Sep 25, 2026 | 5.8%Compound annual rate |
| 19-state version · MVA · No liquidity rider | 7-Year | Not available | Sep 25, 2026 | 5.9%Compound annual rate |
| Most states · MVA · No liquidity rider | 3-Year | 3-Year schedule | Sep 25, 2026 | 5.65%Compound annual rate |
| Most states · MVA · No liquidity rider | 5-Year | 5-Year schedule | Sep 25, 2026 | 5.85%Compound annual rate |
| Most states · MVA · No liquidity rider | 7-Year | 7-Year schedule | Sep 25, 2026 | 5.95%Compound annual rate |
| NY · MVA · No liquidity rider | 3-Year | 3-Year schedule | Oct 1, 2026 | 5.25%Compound annual rate |
| NY · MVA · No liquidity rider | 5-Year | 5-Year schedule | Oct 1, 2026 | 5.6%Compound annual rate |
| NY · MVA · No liquidity rider | 7-Year | 7-Year schedule | Oct 1, 2026 | 5.7%Compound annual rate |
Key Features
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Certain period, Joint life, Single lifePublished payout options from the normalized contract facts.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
7-Year Version
Yr 1
10%
Yr 2
10%
Yr 3
10%
Yr 4
10%
Yr 5
10%
Yr 6
10%
Yr 7
10%
After
0%
Nursing home waiver, Terminal illness waiver
Carrier Ratings
Free Comparison Report
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See how Athene MaxRate compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company MYGA options.
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