Registered index-linked annuity · SEC-registered · defined downside design
Athene Amplify 3.0
Issued by Athene Annuity and Life Company
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 1% buffer | 10% buffer | 20% buffer | 30% buffer | 100% buffer |
|---|---|---|---|---|---|
| S&P 500 | |||||
| 1-yearPoint-to-point | — | 25.5% cap0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 3%Minimum cap: 1.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%17% cap Segment detailsMinimum cap: 2%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 15% cap0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 3%Minimum cap: 1.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20%11.75% cap Segment detailsMinimum cap: 2%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | 9% cap0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 3%Minimum cap: 1.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 100%Minimum buffer: 100%6.75% cap Segment detailsMinimum cap: 2%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 100%Minimum buffer: 100% |
| 1-yearDual Direction | — | 16% cap0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 3%Minimum cap: 1.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%13.75% cap Segment detailsMinimum cap: 2%Minimum cap: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | — | — |
| 1-yearPerformance trigger | — | 11% trigger rate Segment detailsMinimum trigger rate: 2%Minimum trigger rate: 0.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | — | — | — |
| 1-yearDual Trigger | — | 9.5% trigger rate Segment detailsMinimum trigger rate: 2%Minimum trigger rate: 0.25%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 7% trigger rate Segment detailsMinimum trigger rate: 2%Minimum trigger rate: 0.25%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| 2-yearPoint-to-point | — | 105% participation0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 5%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%45% cap Segment detailsMinimum cap: 3%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 40% cap0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 5%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20%27% cap Segment detailsMinimum cap: 3%Minimum cap: 1%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| 6-yearPoint-to-point | 125% participation0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 12%Minimum cap: 9%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 1%Minimum buffer: 1%105% participation Segment detailsMinimum cap: 6%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 1%Minimum buffer: 1% | 120% participation0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 12%Minimum cap: 9%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10%102% participation Segment detailsMinimum cap: 6%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 1%Minimum buffer: 1% | 115% participation0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 12%Minimum cap: 9%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20%105% cap Segment detailsMinimum cap: 6%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | 110% participation0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 12%Minimum cap: 9%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 30%Minimum buffer: 30%75% cap Segment detailsMinimum cap: 6%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 30%Minimum buffer: 30% | 90% cap0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 12%Minimum cap: 9%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 100%Minimum buffer: 100%55% cap Segment detailsMinimum cap: 6%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 100%Minimum buffer: 100% |
| 6-yearDual Direction | — | — | 105% participation0.95% strategy fee Segment details0.95% strategy feeMinimum cap: 12%Minimum cap: 9%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20%75% cap Segment detailsMinimum cap: 6%Minimum cap: 3%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | — | — |
| 6-yearDual Trigger | — | 54% trigger rate Segment detailsMinimum trigger rate: 4%Minimum trigger rate: 1.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 10%Minimum buffer: 10% | 47% trigger rate Segment detailsMinimum trigger rate: 4%Minimum trigger rate: 1.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 20%Minimum buffer: 20% | 41% trigger rate Segment detailsMinimum trigger rate: 4%Minimum trigger rate: 1.5%Minimum participation: 100%Minimum participation: 100%Minimum buffer: 30%Minimum buffer: 30% | — |
Showing 30 of 58 indexed segments.
Menu combined from 2 published rate instances (26 + 32 segments). Published share classes: B Share; the source does not map each rate instance to a share class.
What one segment pays at an index outcome
Contract arithmetic on today’s published terms, net of the published strategy fee; not a forecast.
Only segments with a published strategy fee are selectable. Fee-null segments remain in the complete matrix, but their outcomes are suppressed because no zero fee is assumed. A published-fee segment with an unsupported payoff mechanic also remains matrix-only rather than being approximated.
Downside-aware simulator
Test an index segment outcome
The segment can lose value. This educational one-segment scenario is not a carrier illustration.
Strategy fee 0.95%/yr applied.
Starting value
$100,000
Segment return
-5.9%
Ending value
$94,098
Outcomes are net of the published strategy fee. Point-to-point uses the stated buffer; Dual Direction credits a loss inside the buffer as a gain; Dual Trigger pays its flat rate when the index is at or above the negative buffer; Performance Trigger pays its flat rate when the index is at or above zero. The annual fee is compounded across the listed segment term.
The strategy fee, priced honestly
For segments that publish it, 0.95% a year applies whether the index rises, falls, or finishes flat. Fee-null rows are not treated as free.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- A broad segment menu combines annual and multi-year structures with several defined buffer choices.
- Conventional point-to-point, dual-direction, performance-trigger, dual-trigger, and blended designs are represented.
- Rows with a published annual segment charge are kept distinct from rows whose charge is not published.
What to confirm
- The product can lose value when index losses exceed the selected protection.
- A missing charge field is not treated as a zero charge; confirm the fee on the exact segment selected.
- Availability and segment economics vary by state, and this contract version is not offered in every jurisdiction.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 11, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantAthene Annuity and Life Company
SEC CIK0000837332
File numbers333-291754
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
48 published jurisdictions. Not available in California, New York, or Oregon.