Is Athene Max Rate Fixed Annuity Any Good?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Our Athene Max Rate Annuity Review

The Athene Max Rate Annuity is a fixed annuity offered by Athene Annuity & Life Company. It is a deferred multi-year guarantee annuity that provides a guaranteed fixed rate of interest for a chosen term period. The annuity offers competitive guaranteed interest rates and the option to choose from multiple term periods. Athene Annuity & Life Company is a well-established insurance company with a strong financial rating and over $104.7 billion in total assets.

Key Takeaways

  • The Athene Max Rate Annuity is a fixed annuity offered by Athene Annuity & Life Company.
  • It provides a guaranteed fixed rate of interest for a chosen term period.
  • Athene Annuity & Life Company is a reputable insurance company with over $104.7 billion in total assets.
  • The annuity offers competitive guaranteed interest rates and multiple-term period options.
  • The Athene Max Rate Annuity can be a reliable investment strategy for individuals seeking a fixed annuity option.
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Benefits Of Athene Max Rate Annuity

The Athene Max Rate Annuity offers several benefits to individuals seeking a secure and reliable investment option.

Dependable Asset Growth

  • Guaranteed fixed rate of interest: The annuity provides a fixed rate for the chosen term period, ensuring dependable asset growth over time.

Tax-Deferred Interest Accumulation

  • Tax advantages: The annuity offers tax-deferred interest accumulation, meaning you won’t have to pay taxes on any growth until you withdraw the money. This allows your investment to potentially grow faster by avoiding immediate taxation.

Access To Money

  • Free withdrawals: The Athene Max Rate Annuity provides access to money through free withdrawals during the term period. This allows you to meet unexpected financial needs or take advantage of investment opportunities without penalties.

Guaranteed Stream of Income

  • Convertible to income: At the maturity date, the annuity can be converted into a guaranteed income stream. This provides a steady source of funds to support your retirement or financial goals.

Death Benefit

  • Total accumulation value to loved ones: The annuity offers a death benefit, ensuring that your loved ones receive the total accumulated value of the annuity. This can provide financial security and support for your beneficiaries.
Dependable Asset GrowthGuaranteed fixed rate of interest for the chosen term period
Tax-Deferred Interest AccumulationAvoid immediate taxation on growth until withdrawal
Access to MoneyFree withdrawals during the term period
Guaranteed Stream of IncomeConvertible to a guaranteed stream of income at maturity
Death BenefitLoved ones receive the total accumulated value

Features Of Athene Max Rate Annuity

The Athene Max Rate Annuity offers a range of features designed to provide financial security and flexibility for individuals seeking a reliable retirement savings option.

One notable feature is the penalty-free withdrawal option, which is available after the term period. This allows annuity holders to access some funds without penalties, providing added flexibility and peace of mind.

In the unfortunate event of death, the annuity waives withdrawal penalties, ensuring your named beneficiary receives a death benefit equal to the total accumulation value. This feature safeguards your loved ones’ financial well-being, allowing them to benefit from your annuity’s value.

Another essential feature of the Athene Max Rate Annuity is the market value adjustment, which can impact the withdrawal or cash surrender value based on changes in interest rates. This adjustment helps to align the annuity’s value with prevailing market conditions, ensuring a fair value for your investment.

It’s crucial to note that there may be surrender charges during the withdrawal charge period. These charges apply if you surrender your annuity before the specified period. Understanding the surrender charges and the impact of market value adjustment can help you make informed decisions about your financial goals.

The Athene Max Rate Annuity offers attractive features such as penalty-free withdrawals, death benefit protection, and market value adjustment. These features and the annuity’s guaranteed fixed interest rate make it a compelling option for individuals looking to secure their retirement savings.

Penalty-Free WithdrawalAllows for withdrawals without penalties after the term period
Death Benefit ProtectionProvides a death benefit to named beneficiaries equal to the full accumulation value
Market Value AdjustmentImpacts the withdrawal or cash surrender value based on changes in interest rates
Surrender ChargesApplicable during the withdrawal charge period if the annuity is surrendered early
Max Rate 7

Investment Options And Limits Of Athene Max Rate Annuity

The Athene Max Rate Annuity offers flexibility and choices to meet your financial goals when considering investment options. You can select the initial premium amount and term period that align with your specific needs and objectives.

The Athene Max Rate Annuity requires a minimum single premium of $10,000, allowing you to start your investment with a reasonably affordable sum. Additionally, you can make additional contributions until the maturity date, with a minimum contribution amount of $1,000.

It’s important to note that the Athene Max Rate Annuity imposes a maximum 12-month contribution limit of $100,000. This limit ensures a cap on the amount you can contribute within a given year for this annuity.

The annuity also provides beneficial features such as free withdrawal privileges every year. This enables you to access a certain amount of funds without penalties or market value adjustments. This flexibility allows you to meet unexpected financial needs or take advantage of investment opportunities as they arise.

Overall, the Athene Max Rate Annuity presents a range of investment options and limits that cater to diverse financial goals and circumstances. Whether you’re seeking a long-term investment strategy or looking to supplement your income during retirement, this annuity provides the necessary flexibility and control.

Types Of Retirement Accounts Accepted

What We Like

  • Strong Financial Ratings: The product boasts impressive ratings from renowned agencies: A.M. Best rates it ‘A+’, Fitch ‘A+’, Moody’s ‘A1’, and Standard & Poor’s ‘A+. These high ratings indicate financial strength and reliability.
  • RMD Friendly: It accommodates Required Minimum Distributions (RMDs), which is a significant benefit for those planning for retirement income.
  • Flexible Withdrawal in Certain Conditions: The provision that allows for a withdrawal of up to 100% of the Accumulated Value after the first contract year is noteworthy, mainly if the Annuitant is confined to a Qualified Care Facility for 60 consecutive days. This feature offers a level of financial flexibility in challenging times.

What We Don’t Like

  • Interest Rate Variations: Athene MaxRate is ‘premium banded,’ which implies that the highest interest rates are not accessible to all. This tiered approach can be a drawback for those not qualifying for the top rates.
  • Limited Withdrawal Options Without Penalty: The policy only allows for withdrawing accrued interest without incurring penalties. This limitation might be restrictive for individuals seeking more access to their funds.

Compare Athene Max Rate Annuity Income

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How We Can Help

At The Annuity Expert, we understand the complexities of securing a stable financial future. With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we are committed to finding the best solutions at the lowest costs for our clients. We recognize that planning for retirement can be overwhelming, with concerns about investment security, tax implications, and ensuring a reliable income stream. Our expertise ensures that you receive tailored advice that addresses your specific needs and goals.

Athene Annuity Reviews

What We Recommend

Step 1: Initial Consultation

  • What Happens: Contact us to schedule a free consultation.
  • Main Benefit: We will assess your financial situation and retirement goals.

Step 2: Personalized Plan Development

  • What Happens: We create a customized retirement strategy based on your unique needs.
  • Main Benefit: Receive a plan that maximizes your investment growth and security.

Step 3: Implementation and Ongoing Support

  • What Happens: We guide you through the implementation of your annuity and provide ongoing support.
  • Main Benefit: Enjoy peace of mind knowing your retirement plan is expertly managed and regularly reviewed.

Features and Benefits

  • Expert Advice: Personalized financial strategies tailored to your specific needs.
  • Comprehensive Support: Continuous guidance and support to adapt your plan as your needs evolve.
  • Competitive Rates: Access to the best annuity rates and products in the market.
  • Security and Reliability: Partnering with a reputable company like Athene ensures financial stability.

Common Objections and Counterarguments

  • Objection: “I’m worried about the complexity of annuities.”
    • Counterargument: Our experts simplify the process and explain every step in clear, understandable terms.
  • Objection: “What if I need to access my money early?”
    • Counterargument: The Athene Max Rate Annuity offers penalty-free withdrawals and flexible terms to meet your needs.

Negative Consequences of Not Working with Us

  • Missed opportunities for tax-deferred growth.
  • Lack of a reliable income stream in retirement.
  • Uncertainty and stress about your financial future.

Positive Outcomes of Working with Us

  • Confidence in a secure and stable financial plan.
  • Financial flexibility and access to funds when needed.
  • Peace of mind knowing your loved ones are financially protected.

You’ll experience security, peace of mind, and confidence in your financial future by working with us.

Contact us for free advice or a quote today to secure your financial future.

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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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