What is the minimum guaranteed surrender value for Athene – MYG ROP (3-, 5-, 7-Year Terms, New York)?

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.

What is the minimum premium amount for Athene – MYG ROP (3-, 5-, 7-Year Terms, New York)?

The minimum premium amount is $10,000.

What is the maximum issue age for Athene – MYG ROP (3-, 5-, 7-Year Terms, New York)?

The maximum issue age is 90 years.

What is the current interest rate for Athene – MYG ROP (3-, 5-, 7-Year Terms, New York)?

The current interest rate is 3.9%.

What is the surrender charge schedule for Athene – MYG ROP (3-, 5-, 7-Year Terms, New York)?

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.

What are the best rates available for Athene – MYG ROP (3-, 5-, 7-Year Terms, New York)?

The best available rate is 4.50% for a 7 year term.

Athene Annuity and Life Company

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

About this product

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.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.15%
5 Years	4.45%
7 Years	4.50%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	3.9%
$100,000.00 - $1,000,000.00	4.15%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage