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Multi-Year Guaranteed Annuity
Athene MYG — Athene Annuity and Life Company
Guarantee terms
3 · 5 · 7 yrs
Free withdrawal
10% published tier; confirm timing and exceptions
Market value adj.
Varies by version
Minimum premium
$5,000
Availability
50 jurisdictions (49 states + DC; feed also lists GU, PR, VI)
Surrender schedule
3 · 5 · 7-year options published contract option; match to the selected rate before purchase
Interest crediting
Compound — CANNEX yield row, no simple-interest flag
Rates effective
Oct 14, 2026
Guaranteed rates by term
The guaranteed annual rate is shown for each term at the $100,000 comparison premium, alongside the full-term effective rate.
| TermSurrender schedule | Effective annual rateFull-term comparison | Published annual rateContract rate | Rate structureFull guarantee | $100,000 grows toAt term end | vs. marketSame-day term median |
|---|---|---|---|---|---|
| 3-yearSchedule not published | 5.70% | 5.70% | Flat throughout | $118,093+$18,093 interest | +0.30 ptsmedian 5.40% · n=128 |
| 5-yearSchedule not published | 6.05% | 6.05% | Flat throughout | $134,138+$34,138 interest | +0.35 ptsmedian 5.70% · n=152 |
| 7-yearSchedule not publishedHighest | 6.10% | 6.10% | Flat throughout | $151,359+$51,359 interest | +0.40 ptsmedian 5.70% · n=138 |
Rate figures use a $100,000 comparison premium and are scoped to the selected contract version. Term-end values are illustrative calculations using the published rate and crediting convention with no withdrawals. Market comparisons appear only when the same-day term distribution includes at least five comparable products.
How 5.70% grows over 3 years
Follow a deposit through the complete guarantee term.
The calculator shows outcomes only when the entered premium matches a published rate band. No rate or ending value is inferred outside those bands.
| Year | Rate credited | Interest | Balance |
|---|---|---|---|
| Year 1 | 5.70% | +$5,700 | $105,700 |
| Year 2 | 5.70% | +$6,025 | $111,725 |
| Year 3 | 5.70% | +$6,368 | $118,093 |
| Compound-equivalent annual rate over the full term | 5.700% | ||
How the number is calculated
- Product
- Athene MYG
- Schedule
- 5.70% for 3 years
- Crediting
- Compound interest
- Ending value
- $118,093
- Effective rate
- 5.700% per year
Equivalent: a flat MYGA paying 5.70% compounded annually reaches the same ending value. Confirm the crediting convention on the issued contract.
Getting money out
What it costs to leave early, and what you can take without a charge.
Surrender schedule · published contract options
A term-matched surrender schedule is not published for this rate row. Confirm the applicable contract schedule before purchase.
A market value adjustment may still raise or lower proceeds when it applies.
Penalty-free access
Items marked “not published” remain questions for the issued contract; this page does not infer answers.
How to think about this contract
Editorial interpretation stays separate from the contract data above.
Where it stands out
- Consensus carrier financial strength — A.M. Best A+, Fitch A+, Standard & Poor's A+, and Moody's A1 are all listed for Athene on this page, so a buyer locking principal for the full guarantee period can verify the strength view across more than one agency rather than relying on a single rating.
- Three guarantee-period choices (3-year, 5-year, and 7-year) sit under the same filing, so a buyer can match the term length to a specific planning horizon — a short-term cash reserve, a mid-cycle laddered tranche, or a longer lock — and the rate-by-term table on this page shows the trade-off between term length and guaranteed rate directly.
- Premium-banded pricing rewards larger deposits — the live rate schedule shows a higher guaranteed rate at the $100,000-and-up band than at the lower-premium band for the same term, so a buyer pooling funds to clear the band can see the uplift up front rather than learning about it from the carrier mid-application.
- The live feed publishes a free-withdrawal allowance plus nursing-home, RMD, and terminal-illness waivers, giving buyers useful liquidity facts before application.
What to confirm
- The contract is built around its declared guaranteed rate, with no published premium bonus or enhanced death benefit; the death-benefit basis is Cash Surrender Value.
- The feed does not link a surrender schedule to each published rate version, so the page keeps the exact ladder unknown. Confirm the selected version's charges before purchase.
- Premium-band pricing means the headline guaranteed rate at the higher band may not apply to a smaller deposit — confirm which premium band the planned contribution falls into before relying on a specific rate, and re-check the rate-by-term table for the matching band.
- Withdrawals beyond the published free-withdrawal allowance may face surrender charges, so a buyer expecting larger withdrawals should confirm the selected version's schedule.
Contract facts
Everything the normalized public CANNEX contract reports. Gaps are labeled, not guessed.
Premium
$5,000 minimum
$2,000,000 maximum
Issue ages
0–83 or 0–85 (annuitant and owner; applicability by range not published)
Joint contracts available.
Fund types
Non-qualified · Qualified
Continuation code S; confirm meaning in the contract.
Ownership
Corporation · Joint · Single · Trust
Annuitant: Joint · Single
Death benefit
Standard Death Benefit
Surrender charges may apply; a market value adjustment depends on the contract version.
Premium bonus
None published
A first-year interest rate is not a premium bonus.
Systematic withdrawals
Available
Minimum-withdrawal rule applies.
Bailout provision
Not available
Return of premium
Varies by contract version
Early surrender can return less than premium.
Free-look period
Available; length not published
Length can vary by state; confirm on delivery.
Annuitization
Not published
Maximum annuitization age: 95 years
Fees and charges
None published
Contract versions
3
Most states · MVA · No liquidity rider · Most states · No MVA · No liquidity rider · Published version 1 · Most states · No MVA · No liquidity rider · Published version 2
Source
CANNEX via AdvisorWorld
Normalized facts observed Nov 13, 2026.
State availability
50 jurisdictions (excl. New York) in the current feed. The grid shows 50 U.S. jurisdictions; the feed also lists GU, PR, VI. The grid shows availability only; it does not apply one rate version to every jurisdiction. Outlined entries have their own named rate version when the feed identifies one.
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