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Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the Withdrawal Charge Period, are subject to a Withdrawal Charge. Charges decline by year and reach 0% at the end of the selected term. Once the Withdrawal Charge Period ends, the full Accumulated Value is available without a Withdrawal Charge. 

Allows surrender at any time for at least the amount of original premium — providing full liquidity and capital protection.

None, there are no front-end or annual administrative fees; all premium begins earning interest immediately.

If the owner dies before annuitization, beneficiaries receive the annuity’s full Accumulated Value. After annuitization, payments follow the selected settlement option.

 After the first Contract Year, permits withdrawal of up to 100% of the Accumulated Value if confined to a Qualified Care Facility for at least 60 consecutive days and eligibility requirements are met (including timing restrictions around issue date/contract date).  

 Permits withdrawal of up to 100% of the Accumulated Value if diagnosed with a Terminal Illness expected to result in death within one year, after the first Contract Anniversary, and eligibility requirements are met (not diagnosed during the first Contract Year).  

Athene MYG provides annual Withdrawal with no withdrawal charge privileges beginning in the first Contract Year. Each Contract Year, you may withdraw up to 10% of the Accumulated Value (as of the most recent Contract Anniversary) without incurring a Withdrawal Charge. RMDs are considered part of the annual no-charge withdrawal, even if they exceed the no-charge amount.

 funds for maximum flexibility in both retirement and after-tax savings strategies.

Athene MYG℠ is a fixed annuity that credits a Multi-Year Fixed Strategy rate on the Initial Premium for the entire duration of the selected Term Period (3, 5, or 7 years). Additional premiums, if made, earn interest under a 1-Year Fixed Strategy with a rate set at purchase and then declared annually (but not less than the contract’s minimum renewal rate). The optional Return of Premium (ROP) feature is a product variation that, if elected, allows a full surrender during the Withdrawal Charge Period where the owner receives the greater of the Cash Surrender Value and the ROP Benefit. The ROP Benefit equals Premium less prior withdrawals (as described in the materials) and is included in exchange for lower interest crediting rates.

No automatic renewal. At the end of the Term Period, the Multi-Year Strategy Value transfers to the 1-Year Fixed Strategy, and the annuity’s full Accumulated Value becomes available without a Withdrawal Charge.

Withdrawals above the no-charge amount, or surrender before the Withdrawal Charge Period ends, are subject to a Withdrawal Charge; the Withdrawal Charge schedule may reduce the actual accumulation amount in determining the Cash Surrender Value.

Athene MYG℠ with Return of Premium (ROP)

 is a Multi-Year Guarantee Annuity issued by Athene Annuity & Life Assurance Company of New York (68039) that provides fixed, tax-deferred interest growth with a guaranteed interest rate for a selected 3-, 5-, or 7-year term. It is designed for clients seeking dependable growth, principal protection (when held through the Withdrawal Charge Period), and annual penalty-free access to a portion of their Accumulated Value, with an optional ROP feature that can provide additional surrender flexibility.

Athene MaxRate includes a Withdrawal Charge period equal to the selected Term Period. If you surrender the annuity or withdraw more than the Withdrawal with no withdrawal charge amount during the Withdrawal Charge period, a Withdrawal Charge applies.

A separate Return of Premium (ROP) version is offered for clients needing maximum liquidity and principal return rights.

Full accumulation value, including credited interest, is paid to beneficiaries with no surrender charges.

 After the first Contract Year, you can withdraw up to 100% of the Accumulated Value if confined to a Qualified Care Facility for at least 60 consecutive days and eligibility requirements are met; confinement cannot exist at issue and must begin at least one year after the Contract Date. No Withdrawal Charge applies if qualified.

 After the first Contract Anniversary, you can withdraw up to 100% of the Accumulated Value if diagnosed with a Terminal Illness expected to result in death within one year, subject to eligibility requirements; you may not be diagnosed during the first Contract Year. No Withdrawal Charge applies if qualified.

Each Contract Year, you may withdraw up to an amount equal to the Multi-Year Fixed Strategy Rate multiplied by the Accumulated Value (as of the most recent Contract Anniversary) without incurring a Withdrawal Charge.

Required minimum distributions (RMDs) from tax-qualified contracts are considered part of the annual Withdrawal with no withdrawal charge, even if they exceed the calculated no-charge amount.

, offering flexibility for retirement and after-tax savings.

Athene MaxRate MYGA is a Multi-Year Guarantee Annuity that credits interest through two clearly defined strategies. The initial premium is allocated to a Multi-Year Fixed Strategy that guarantees a fixed interest rate for the full length of the selected term. Any additional premiums, if made, are credited under a 1-Year Fixed Strategy that renews annually at a declared rate, subject to contract minimum guarantees. During the guarantee period, the contract allows limited penalty-free withdrawals each year, while withdrawals beyond the allowed amount may be subject to withdrawal charges. At the end of the selected term, the accumulated value becomes fully available without withdrawal charges and transitions to the 1-Year Fixed Strategy, providing flexibility to renew, reposition, or withdraw funds.

At the end of the Term Period, the Multi-Year Strategy Value is transferred to the 1-Year Fixed Strategy and the annuity’s full Accumulated Value is available without Withdrawal Charges.  

For Additional Premiums in the 1-Year Fixed Strategy, Athene declares a Renewal Interest Rate on each Contract Anniversary that may vary each year but will always equal or exceed the contract minimum guaranteed interest rate.

The contract includes a Withdrawal Charge period; withdrawals in excess of the no-charge amount (or surrender before the period ends) incur a Withdrawal Charge, and the schedule may reduce the actual accumulation amount in determining the Cash Surrender Value.

 is a single-premium Multi-Year Guaranteed Annuity issued by Athene Annuity & Life Assurance Company of New York that delivers guaranteed, tax-deferred interest growth with full principal protection for 3-, 5-, or 7-year terms. The initial premium earns a fixed interest rate guaranteed for the entire selected term, offering predictable accumulation insulated from market volatility. Designed exclusively for New York, MaxRate MYGA is well suited for conservative investors seeking stability, competitive fixed returns, and simple contract mechanics.

Withdrawals above the penalty-free allowance or full surrenders prior to the end of the term are subject to declining charges. These charges are regulated for New York and differ from other state filings.

 variant is available for clients seeking full liquidity and principal return flexibility.

None. The annuity has no front-end sales charges or annual administrative fees, ensuring that 100% of the client’s premium is allocated to earning interest.

Athene MYG includes a Death Benefit that guarantees the beneficiary will receive the annuity’s full Accumulated Value, as long as the contract has not been annuitized. After annuitization, payments follow the selected settlement option.

 After the first Contract Year, withdrawal of up to 100% of the Accumulated Value is available if confined to a Qualified Care Facility for at least 60 consecutive days and eligibility requirements are met.

 After the first Contract Anniversary, withdrawal of up to 100% of the Accumulated Value is available if diagnosed with a Terminal Illness expected to result in death within one year and eligibility requirements are met.

Athene MYG provides annual Withdrawal with no withdrawal charge privileges beginning in the first Contract Year. Each Contract Year, you can withdraw up to 10% of the Accumulated Value (as of the most recent Contract Anniversary) without incurring a Withdrawal Charge.

Required minimum distributions (RMDs) from tax-qualified contracts are considered part of the annual no-charge withdrawal amount, even if they exceed the no-charge withdrawal amount.

funds, offering flexibility for both retirement and after-tax savings.

Athene MYG is a Single Premium Deferred Annuity (SPDA) that credits interest using a Multi-Year Fixed Strategy on the Initial Premium, with the rate guaranteed for the selected 3-, 5-, or 7-year Term Period. After issue, Additional Premiums may be added and are credited under a 1-Year Fixed Strategy with a rate set at purchase for one year and renewed annually at a declared renewal rate that will not be less than the contract’s guaranteed minimum renewal rate. The Withdrawal Charge Period equals the selected term. At the end of the Term Period, the Multi-Year Strategy Value transfers to the 1-Year Fixed Strategy, and the full Accumulated Value becomes available without Withdrawal Charges.

Withdrawals exceeding the 10% annual no-charge withdrawal amount, or full surrender during the Withdrawal Charge Period, are subject to Withdrawal Charges that decline by year until reaching 0% at the end of the term. The provided rate insert is labeled “MYG (non-MVA),” indicating the illustrated version is non-MVA.

Withdrawals in excess of the no-charge amount are subject to a Withdrawal Charge, and the Withdrawal Charge schedule may reduce the actual accumulation amount in determining the Cash Surrender Value. 

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by Athene Annuity & Life Assurance Company of New York that provides fixed, tax-deferred interest growth and principal protection across 3-, 5-, and 7-year guarantee terms. The contract credits a guaranteed fixed rate on the initial premium for the selected term and includes annual penalty-free withdrawal access, plus built-in waivers for qualifying confinement and terminal illness. The product is available in New York only. 

Athene NY – MYG ROP

Athene NY – Max Rate MYGA

Athene NY – MYG