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Withdrawals exceeding the penalty-free 10% allowance or full surrenders before maturity are subject to declining surrender charges. The ROP feature ensures the client will receive no less than the original premium regardless of timing.

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.

Full accumulation value, including credited interest, is paid to beneficiaries without surrender penalty.

 waivers (where approved), offering penalty-free access under qualifying conditions.

Up to 10% of accumulation value may be withdrawn each contract year after Year 1 without surrender charges; RMDs always free.

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

The policy credits a fixed interest rate for the chosen guarantee term. At maturity, owners may renew, withdraw funds, or annuitize at then-current rates. The integrated Return of Premium provision guarantees that the owner will never receive less than the total premium paid, regardless of surrender timing. As a New York filing, the contract excludes any Market Value Adjustment (MVA) and follows state-specific compliance rules.

Automatically renews at the declared rate then in effect unless the owner requests full or partial withdrawal at maturity.

Greater of the accumulation value minus charges or the Return of Premium amount (100% of premium).

single-premium Multi-Year Guaranteed Annuity (MYGA)

 offering guaranteed, tax-deferred growth 

 feature that allows clients to surrender at any time and receive their full initial premium back.

, it combines fixed, predictable returns with unmatched liquidity.

Athene Annuity & Life Assurance Company of New York

, the contract is ideal for investors seeking guaranteed accumulation with full control and the security of a principal-return guarantee.

Withdrawals beyond the penalty-free limit or full surrenders made before the end of the term are subject to declining surrender charges. Charges are set and approved by New York state regulations.

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

None, 100% of premium is allocated to interest-earning value from day one.

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

Includes Nursing Home and Terminal Illness waivers (where approved), allowing early withdrawals in qualifying circumstances.

10% of the account value per contract year

 after the first year without surrender charges; RMDs always waived.

, offering flexibility for retirement and after-tax savings.

The contract locks in a guaranteed interest rate for the entire term selected. At the end of the term, the owner may renew at then-current rates, withdraw funds penalty-free, or annuitize the accumulation value for income. Because it is the New York version, no MVA applies, and surrender terms follow state-approved schedules.

Automatically renews at the declared rate then in effect unless the owner requests withdrawal or annuitization at maturity.

Equal to the accumulation value minus any applicable surrender charges; no MVA applies in New York.

 that provides higher credited rates for clients seeking stronger guaranteed accumulation potential.

, it offers fixed, tax-deferred growth and full principal protection with predictable returns throughout the guarantee period.

, this version is designed for investors who prefer a competitive fixed-rate product tailored to New York’s regulatory requirements and without any Market Value Adjustment (MVA).

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.

Full accumulation value (including credited interest) paid directly to beneficiaries with 

 (where approved), allowing penalty-free withdrawals in qualifying health events.

 may be withdrawn each contract year after the first year without surrender penalty; 

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

The contract guarantees a fixed interest rate for the selected term. At the end of the guarantee period, the contract owner may choose to renew for a new term, withdraw funds without penalty, or annuitize at then-current rates. Because this is the New York version, no Market Value Adjustment (MVA) applies, and all features are structured to meet the specific compliance standards of the New York Department of Financial Services (NYDFS).

Automatically renews at then-current declared rates unless the owner elects full or partial withdrawal at maturity.

Equals the accumulation value minus any applicable surrender charges. No MVA applies in New York.

 designed to deliver secure, tax-deferred growth and guaranteed interest accumulation.

, this fixed annuity provides predictable earnings with no exposure to market volatility.

, the product offers full principal protection and flexible liquidity options, making it ideal for conservative investors seeking steady growth and guaranteed returns under New York’s insurance regulations.

Athene – MYG ROP (3-, 5-, 7-Year Terms, New York)

Athene – Max Rate MYGA (3-, 5-, 7-Year Terms, New York)

Athene – MYG (3-, 5-, 7-Year Terms, New York)