Athene Performance Elite Annuity Series Review

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Overview of the Athene Performance Elite Annuity Series

The Athene Performance Elite Annuity Series offers a versatile range of fixed index annuities designed to help you achieve your financial goals. These annuities provide growth potential based on the performance of selected market indices, combined with the security of principal protection and tax-deferred growth.

Key Features

  1. Growth Potential: The Athene Performance Elite Annuity Series provides opportunities for growth based on the performance of various indices, such as the S&P 500. This allows you to benefit from market upswings without directly investing in the market.
  2. Principal Protection: One of the most significant advantages of fixed index annuities is that your principal is protected from market downturns. This means that even if the market performs poorly, your initial investment remains secure.
  3. Tax-Deferred Growth: Earnings on your annuity grow tax-deferred, allowing you to potentially accumulate more wealth over time compared to taxable investments. Taxes are only due when you begin taking withdrawals.
  4. Flexible Payout Options: The Athene Performance Elite Annuity Series offers various payout options, including lifetime income, which ensures you won’t outlive your savings.
  5. Bonus Opportunities: Some contracts within the series offer bonus credits on your initial premium, which can provide an immediate boost to your annuity’s value.
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Product Variations

The Athene Performance Elite Annuity Series includes multiple product variations to cater to different financial needs:

  • Performance Elite 7: Designed for a 7-year term, offering a balance between growth potential and liquidity.
  • Performance Elite 10: A 10-year term annuity providing enhanced growth opportunities with a slightly longer commitment.
  • Performance Elite 15: Ideal for long-term growth with a 15-year term, maximizing accumulation potential.

Crediting Methods

Athene offers various crediting methods to determine the interest credited to your annuity. These include:

  • Annual Point-to-Point: Interest is based on the annual change in an index.
  • Monthly Point-to-Point: Interest is calculated based on monthly changes in the index, with potential monthly caps.
  • Two-Year Point-to-Point: Interest is credited based on the change in the index over a two-year period.

Financial Ratings

Athene is a financially strong company, which is critical when considering an annuity provider. Here are its current financial ratings:

Benefits of the Athene Performance Elite Annuity Series

  1. Market-Linked Growth: Gain from market growth without direct exposure to market risks.
  2. Retirement Income Security: Provides a reliable income stream during retirement, ensuring financial stability.
  3. Legacy Planning: Options for passing wealth to beneficiaries with potential death benefits.


  • Complex Index Options: Athene Performance Elite provides a variety of index options. However, many of these indexes are complex and lack extensive historical performance data. For a more transparent and potentially rewarding approach, it is advisable to focus on well-known indexes like the S&P 500, Nasdaq, and Dow Jones. Utilizing an annual point-to-point strategy with these indexes can offer more opportunities to earn interest.
  • Lack of Guaranteed Lifetime Withdrawal Benefit: Unlike some other fixed index annuities, the Athene Performance Elite series does not offer a guaranteed lifetime withdrawal benefit. This could be a drawback for those seeking guaranteed income in retirement.
  • High premium bonuses and Flexibility: Despite the drawbacks, the series offers high premium bonuses and flexibility with premium options, providing a competitive edge in the market.
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Compare Athene Performance Elite Series Annuity Income

Determine if Athene Performance Elite Series annuities provide the highest income below.

How We Can Help

At The Annuity Expert, we understand the importance of securing your financial future while minimizing risks. We have been an insurance agency, annuity broker, and retirement planner for 15 years, dedicated to helping you find the best solutions at the lowest costs.

Many people face the challenge of finding a reliable investment that offers growth potential without exposing their principal to market risks. The Athene Performance Elite Annuity Series is designed to solve this problem by offering market-linked growth with principal protection, tax-deferred growth, and flexible retirement income options.

We know how frustrating it can be to navigate complex financial products, and we’re here to guide you through every step of the process. Our expertise and dedication ensure you receive personalized advice tailored to your unique financial goals.

Athene Performance Elite

What We Recommend

The Athene Performance Elite Annuity Series can be an excellent choice for those seeking a secure investment with growth potential tied to market performance. Here’s how you can achieve the desired results:

  1. Initial Consultation: Contact us for a free consultation. We’ll discuss your financial goals, assess your needs, and determine if the Athene Performance Elite Annuity Series is right for you. The main benefit is receiving expert advice tailored to your specific situation.
  2. Personalized Plan: Based on your consultation, we will create a personalized investment plan that aligns with your financial goals. We will explain the features of the annuity series, the crediting methods, and the payout options. The main benefit is having a clear and customized plan for your financial future.
  3. Implementation and Monitoring: We will assist you in implementing the plan, managing the paperwork, and ensuring everything is set up correctly. We will also monitor your investment and provide ongoing support. The main benefit is peace of mind, knowing your investment is managed by experts.

Features and Benefits

  • Growth Potential: Benefit from market growth without direct exposure to market risks.
  • Principal Protection: Your initial investment is secure, even in market downturns.
  • Tax-Deferred Growth: Accumulate more wealth over time compared to taxable investments.
  • Flexible Payout Options: Enjoy various payout options, including lifetime income.

Overcoming Objections

We understand you might have concerns about the complexity of index options and the lack of a guaranteed lifetime withdrawal benefit. However, our expert guidance ensures you select the most rewarding options, like well-known indices such as the S&P 500, to maximize your interest earnings. Additionally, our focus on providing high premium bonuses and flexible premium options offers a competitive edge.

Not working with us means risking your financial future without expert guidance, leading to potential losses and missed opportunities. However, partnering with us ensures your investment grows securely, providing you with financial stability and peace of mind.

Contact us today for free advice or a quote, and let us help you achieve your financial goals.

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Questions From Our Readers

Once the Athene Performance Elite Plus 15 reaches 15 years, does the policy need to be annuitized to receive the funds?

No, annuitization is not mandatory at the end of the 15-year period for the Athene Performance Elite Plus 15. You have the option to either take the funds as a lump sum or transfer the value to another financial product.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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