Athene MaxRate
Athene Annuity and Life Company
4.95%
Best Rate
0
States
Athene MaxRate is a fixed annuity that lets you save with a guaranteed interest rate for 3, 5, or 7 years, then access your money penalty-free or convert it to lifetime income in retirement.
Available In
0 states
Min Premium
$10,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.65% |
| 5-Year | 4.95% |
| 7-Year | 4.95% |
Key Features
Guaranteed Interest Rate
Varies by term and current ratesYour initial premium earns a fixed rate of interest guaranteed for your selected term period (3, 5, or 7 years), regardless of stock market performance
Free Annual Withdrawals
Up to the Multi-Year Fixed Strategy Rate multiplied by accumulated valueEach contract year, withdraw up to a percentage of your accumulated value (equal to the multi-year fixed strategy rate) without withdrawal charges or penalties
Additional Premiums
Minimum $1,000, maximum $100,000 per rolling 12-month periodAdd money to your annuity after purchase to continue growing your savings
Tax-Deferred Growth
No taxes until withdrawalYour interest accumulates without being taxed until you withdraw or annuitize, allowing more money to compound over time
Annuitization Options
Lifetime income available based on cash surrender valueAt maturity, convert your annuity into a guaranteed stream of income you cannot outlive, with flexibility in payout options
Death Benefit
100% of accumulated value or guaranteed minimum, whichever is greaterYour beneficiary receives the greater of your accumulated value or minimum guaranteed contract value
Issue Ages
Ages 0-85 (3-year), 0-83 (5-year and 7-year)Available to a wide range of ages depending on the term selected
Confinement and Terminal Illness Waivers
No withdrawal charges or MVA if you qualify (not available in CA and MA for confinement)Withdraw 100% of your value without penalties if confined to care facility for 60+ days or diagnosed with terminal illness
Highlights
Guaranteed fixed interest rates for your chosen term (3, 5, or 7 years) with no stock market risk
Annual free withdrawals up to a set percentage without penalties, plus access to full value after the guarantee period ends
Tax-deferred growth on your savings until you withdraw money
Ability to add additional premiums annually to keep building your nest egg
Convert to guaranteed lifetime income at maturity or leave a death benefit to your beneficiaries
Surrender Schedule
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
Best For
People nearing or in retirement who want guaranteed growth without market risk, seek predictable income, and prefer the safety of fixed rates over variable returns.
Consider Alternatives If
Investors who need immediate liquidity or frequent access to their money without penalties, or those who believe market growth will significantly exceed fixed rates.
Carrier Ratings
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