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The Non-MVA version of Athene MYG also applies a Withdrawal Charge if you withdraw more than the allowed 10% Free Withdrawal amount in any contract year during the term period.

Free Annual Withdrawal: Starting in the first Contract Year, you can withdraw up to 10% of your Accumulated Value (as of the most recent contract anniversary) each Contract Year without incurring a withdrawal or surrender charge.  

Non-qualified, Traditional IRA, Roth IRA.

When purchasing an Athene MYG Non-MVA annuity, you choose a term period (3, 5, or 7 years) during which your initial premium earns a guaranteed fixed interest rate. You may also add additional premiums, which earn interest using a 1-year fixed strategy that resets annually at or above a contractually guaranteed minimum.

 is a fixed multi-year guarantee annuity designed for clients seeking dependable, predictable growth without market risk. It offers a guaranteed interest rate for 3, 5, or 7 years and does not include a Market Value Adjustment (MVA), making it ideal for clients who want certainty in their surrender value regardless of interest rate movements. The product also includes free withdrawal options, tax deferral, a death benefit, and income payout options for retirement planning.

If you surrender your annuity or take a withdrawal that exceeds the Free Withdrawal amount (10% per contract year), you will incur a Withdrawal Charge during the term period. This charge is a declining percentage over the contract term and varies by term length (3, 5, or 7 years). The Withdrawal Charge applies only during the Withdrawal Charge period, which is equal to your selected term.

Greater of Accumulated Value or Minimum Guaranteed Contract Value.

10% of Accumulated Value annually from Contract Year 1.

Clients select a term (3, 5, or 7 years) at purchase and receive a guaranteed fixed rate on their initial premium. After the term ends, the accumulated value becomes liquid and transfers into a 1-Year Fixed Strategy for ongoing growth. The product allows annual free withdrawals up to 10%, and includes waivers for confinement and terminal illness. An MVA applies to excess withdrawals during the withdrawal charge period.

At end of term, value transfers to 1-Year Fixed Strategy, fully liquid.

Accumulated Value – Withdrawal Charges ± MVA, but not less than Minimum Guaranteed Value.

 is a fixed annuity offering a guaranteed interest rate over a multi-year term (3, 5, or 7 years). It includes a Market Value Adjustment (MVA) that can increase or decrease the surrender value depending on interest rate movements since the contract issue date. It is designed for long-term asset accumulation, tax deferral, and provides optional income payouts.

A Withdrawal Charge applies if you surrender the contract or withdraw more than the free withdrawal amount during the term. This charge reduces the contract value and may result in the loss of principal and credited interest.

Full Accumulated Value to beneficiary if owner dies before annuitization.

Each year: up to the Multi-Year Fixed Strategy Rate × Accumulated Value (as of last Contract Anniversary).

Non-qualified and tax-qualified plans like IRAs.

The policy guarantees a fixed rate of interest for the chosen term (3, 5, or 7 years) on the initial premium. After the term ends, the funds are moved into a 1-year fixed strategy with a guaranteed minimum rate. Additional premiums earn interest based on a 1-year fixed strategy and are subject to annual rate declarations, which will not fall below the Minimum Guaranteed Interest Rate as stated in the contract. Withdrawals are permitted annually (subject to certain limits), and two waivers are included for terminal illness and confinement to a qualified care facility, under specific eligibility conditions.

After term ends, funds move into 1-Year Fixed Strategy with declared rates ≥ Minimum Guaranteed.

Cash Surrender Value = Accumulated Value minus Surrender Charges, if applicable.

 is a Multi-Year Guarantee Annuity (MYGA) issued by 

Athene Annuity & Life Assurance Company of New York

, designed for long-term savings. It offers fixed interest rates guaranteed for a selected term of 3, 5, or 7 years, providing dependable growth, tax-deferred accumulation, and access to a guaranteed income stream during retirement.

If you surrender your annuity or withdraw an amount that exceeds the Withdrawal with no withdrawal charge amount during the Withdrawal Charge period, you will incur a Withdrawal Charge. Each Multi-Year Strategy Term Period has its own Withdrawal Charge schedule. Withdrawal Charge percentages decrease during the Term Period.

Athene MYG Assure annuities include a Death Benefit. It guarantees that your beneficiary will receive your annuity’s full Accumulated Value.

Payment is made as long as the annuity has not been annuitized; after annuitization, payout follows the chosen settlement option.

These are not substitutes for long-term care insurance. Restrictions apply.

This policy is issued solely by Athene Annuity & Life Assurance Company of New York, headquartered in Pearl River, NY (NAIC 68039). It is not available in other states. The policy is tailored to meet the needs of New York residents, with guaranteed interest over the chosen term, no automatic renewal into a new MYGA term, and post-term value transferred into a 1-Year Fixed Strategy. The product also includes features like required minimum distribution (RMD) accommodation, health event waivers, and the ability to annuitize into lifetime income. All policy guarantees are backed solely by Athene’s New York affiliate and are subject to its financial strength.

Athene MYG℠ Assure, available exclusively in New York, is a Multi-Year Guarantee Annuity (MYGA) that offers a fixed interest rate for a selected term of 3, 5, or 7 years. It’s a conservative savings option for individuals seeking principal protection, guaranteed returns, and liquidity features. With this product, Athene provides a predictable accumulation vehicle with flexible payout options, tax-deferred growth, and embedded benefits for health-related emergencies — all under the regulatory framework of New York State.

If you withdraw more than the free 10% annual allowance or fully surrender the contract before the term ends, a Withdrawal Charge applies, which decreases each year during the term. These charges may result in loss of principal and interest if withdrawn early. If you surrender your annuity or withdraw an amount that exceeds the Free Withdrawal amount during the Withdrawal Charge period, you will incur a Withdrawal Charge. Each Multi-Year Strategy Term Period has its own Withdrawal Charge schedule.

Athene MYG℠ Assure is issued by Athene Annuity and Life Company, headquartered in West Des Moines, Iowa. It is available in 49 states and D.C., excluding New York. The policy includes options for free withdrawals, guaranteed interest accumulation, and optional income through annuitization. No automatic renewal occurs at the end of the term; instead, values roll into a 1-year fixed strategy.

 is a Multi-Year Guarantee Annuity (MYGA) offering fixed interest rates over 3-, 5-, or 7-year terms. It is designed for individuals seeking predictable asset growth, tax-deferred accumulation, and protection against market volatility, all without a guaranteed return of premium. This annuity provides the opportunity to earn competitive fixed rates while preserving principal if held for the entire term period.

The Athene NY MYG annuity allows up to 10% of the contract value to be withdrawn free of charge each year.  Should your needs change unexpectedly, and you need to take an excess withdrawal (a withdrawal that is above the free withdrawal amount available in a given contract year), you may be entitled to access additional monies, although certain charges and penalties may apply. Any amount withdrawn in excess of the remaining free withdrawal amount is subject to a Surrender Charge.

The Athene MYG NY Annuity levies no annual contract or administrative fees.

Upon the annuitant’s death, the beneficiary will receive greater of (i) Contract Value without any surrender charges (ii) Minimum Guaranteed Contract Value (iii) Return of Premium less any withdrawals

Confinement Waiver and Terminal Illness Waiver

10% of the annuity’s Accumulated Value; per year

IRA, Roth IRA, Nonqualified Account, SEP IRA, SIMPLE IRA, 401(a), etc.

Option to continue with the MYGA for the same guaranteed period after the initial guaranteed period ends, but at the new rates available at that time

Higher of (i) Premium Paid less Withdrawals (ii) Account Value less any withdrawal charges/ MVA

The Athene MYG NY Annuity (MYGA) with Return of Premium benefit is designed for conservative investors seeking a stable, tax-deferred, guaranteed return over a set period. In addition to fixed-rate guarantees, it offers confinement and terminal illness benefits, allowing for flexible withdrawals in case of unexpected healthcare expenses. The product also includes a Return of Premium (ROP) benefit that allows you to surrender your annuity at any time during the Withdrawal Charge period and receive your Initial Premium plus any Additional Premium, less any prior Net Withdrawals. However,  Interest credit rates will be slightly lower for this guarantee to be included with the product. 

The Athene NY MYG Annuity levies no annual contract or administrative fees.

Upon the annuitant’s death, the beneficiary will receive greater of (i) Contract Value without any surrender charges (ii) Minimum Guaranteed Contract Value

Athene MYG℠ (New York) is a fixed multi-year guarantee annuity offering guaranteed interest rates for 3, 5, or 7 years, issued by Athene Annuity & Life Assurance Company of New York. It provides dependable, tax-deferred growth with annual access to 10% of the accumulated value without withdrawal charges, starting in the first contract year. The product includes waivers for terminal illness and confinement, and after the surrender charge period, the annuity’s full value becomes accessible without penalty. Upon annuitization, the contract provides guaranteed income based on the selected payout option.

Account Value less any withdrawal charges/ MVA

The Athene NY MYG Annuity (MYGA) is designed for conservative investors seeking a stable, tax-deferred, guaranteed return over a set period. In addition to fixed-rate guarantees, it offers confinement and terminal illness benefits, allowing for flexible withdrawals in case of unexpected healthcare expenses. The product also includes an annuitization (income) option, which converts the annuity investment into a series of periodic income payments. Annuities can be annuitized for a specific period or for the lifetime of the annuitant.

The Athene MYG annuity allows up to 10% of the contract value to be withdrawn free of charge each year.  Should your needs change unexpectedly, and you need to take an excess withdrawal (a withdrawal that is above the free withdrawal amount available in a given contract year), you may be entitled to access additional monies, although certain charges and penalties may apply. Any amount withdrawn in excess of the remaining free withdrawal amount is subject to a Surrender Charge.

The Athene MYG Annuity levies no annual contract or administrative fees.

Athene MYG℠ with Return of Premium is a fixed multi-year guarantee annuity that offers guaranteed interest rates for 3, 5, or 7 years, with dependable growth, tax-deferred earnings, and annual free withdrawal privileges starting in the first contract year. It includes a Return of Premium (ROP) benefit, ensuring you can surrender the contract at any time during the withdrawal charge period and receive at least your original premium (minus prior withdrawals). The contract also includes waivers for terminal illness and confinement, and provides a guaranteed income option upon annuitization.

The Athene MYG Annuity (MYGA) with Return of Premium benefit is designed for conservative investors seeking a stable, tax-deferred, guaranteed return over a set period. In addition to fixed-rate guarantees, it offers confinement and terminal illness benefits, allowing for flexible withdrawals in case of unexpected healthcare expenses. The product also includes a Return of Premium (ROP) benefit that allows you to surrender your annuity at any time during the Withdrawal Charge period and receive your Initial Premium plus any Additional Premium, less any prior Net Withdrawals. However,  Interest credit rates will be slightly lower for this guarantee to be included with the product. 

Athene MYG℠ is a single premium, fixed multi-year guarantee annuity offering guaranteed interest rates for 3, 5, or 7 years. It provides dependable growth, tax-deferred earnings, and access to 10% of the accumulated value annually without withdrawal charges or market value adjustment (MVA). Additional features include a confinement and terminal illness waiver, and the option to convert the full contract value into guaranteed lifetime income at annuitization. Withdrawal charges and an MVA apply to amounts exceeding the free withdrawal limit or if surrendered early.

 Annuity (MYGA) is designed for conservative investors seeking a stable, tax-deferred, guaranteed return over a set period. In addition to fixed-rate guarantees, it offers confinement and terminal illness benefits, allowing for flexible withdrawals in case of unexpected healthcare expenses. The product also includes an annuitization (income) option, which converts the annuity investment into a series of periodic income payments. Annuities can be annuitized for a specific period or for the lifetime of the annuitant.

The Athene MaxRate MYGA allows accumulated interest value to be withdrawn free of charge each year.  Should your needs change unexpectedly, and you need to take an excess withdrawal (a withdrawal that is above the free withdrawal amount available in a given contract year), you may be entitled to access additional monies, although certain charges and penalties may apply. Any amount withdrawn in excess of the remaining free withdrawal amount is subject to a Surrender Charge.

The Athene MaxRate MYGA levies no annual contract or administrative fees.

Only the accumulated interest of the contract value can be withdrawn free of charge each year

Athene MaxRate® is a fixed multi-year guarantee annuity designed for long-term savings and retirement needs. It offers guaranteed interest rates for terms of 3, 5, or 7 years and provides tax-deferred growth, flexible access to funds through annual free withdrawals, and optional waivers for confinement or terminal illness. At maturity, you may convert the annuity into a guaranteed stream of income, and a death benefit ensures that beneficiaries receive either the full accumulated value or minimum guaranteed contract value, whichever is greater.

 Multi-Year Guaranteed Annuity (MYGA) is designed for conservative investors seeking a stable, tax-deferred, guaranteed return over a set period. In addition to fixed-rate guarantees, it offers confinement and terminal illness benefits, allowing for flexible withdrawals in case of unexpected healthcare expenses. The product also includes an annuitization (income) option, which converts the annuity investment into a series of periodic income payments. Annuities can be annuitized for a specific period or for the lifetime of the annuitant.

Athene MYG non-MVA

Athene MYG with MVA

Athene MaxRate MYGA (New York only)

Athene MYG℠ Assure (New York only)

Athene MYG℠ Assure

Athene MYG NY with Return of Premium

Athene MYG NY

Athene MYG with Return of Premium

Athene MYG

Athene MaxRate MYGA