Athene Accumulator 10 Fixed Indexed Annuity


Athene Accumulator 10 fixed index annuity is a 10-year retirement savings plan built for safe growth, protection from stock market volatility, and enhance a death benefit. 

About Athene Annuity and Life Company

Athene Annuity Financial Strength


Athene Accumulator 10 fixed indexed annuity can help you reach your retirement savings goals.

  • Guarantees: Receive a guaranteed Accumulated Value at the end of your Withdrawal Charge period with our Minimum Interest Credit feature.
  • Growth potential: Pursue additional growth with Interest Credits that are based in part on the performance of an external market index.
  • Protection from downside market risk: Your money is not directly exposed to the risks of the stock market or individual stocks.
  • Tax Deferral: Annuities provide the advantage of tax-deferred interest accumulation. You don’t pay taxes on any growth until you withdraw money.


Grow your money to reach your goals.

With Athene Accumulator 10, you can allocate your money among the interest crediting strategies in your contract.

Indexed Strategies

These give you the potential to earn interest based in part on the upward movement of a stock market index. The interest you earn in a particular strategy is credited at the end of the strategy’s Index Term Period. You’re guaranteed to never earn less than 0% interest.

Fixed Strategy

The fixed strategy provides a guaranteed rate of interest that is credited to your annuity daily. Athene declares the guaranteed rate for this strategy each contract year.

Athene Accumulator 10 gives you the opportunity to grow value and lock in gains.

Your money is not directly exposed to the risks of the stock market or individual stocks. Athene Annuity and Life Company guarantee you will not lose money due to stock market risk or losses.

Related Reading: How much should I have saved for retirement by age.


Athene Annuity Additional Features

Free Withdrawals

Beginning in the first Contract Year, you can withdraw up to 10% of your annuity’s Accumulated Value each Contract Year without a Withdrawal Charge or Market Value Adjustment (MVA). Required Minimum Distributions (RMDs) are IRS mandatory withdrawals required with qualified contracts (such as an IRA ). These withdrawals from your annuity contract are considered part of your free withdrawal, free of Withdrawal Charges, and MVA for the Contract Year.

Bailout Feature — Flexibility and Protection

If Athene annuity lowers the declared 1-Year Point-to-Point Index Strategy Annual Cap Rate below the Bailout Cap Rate, you’ll have full access to your annuity’s Accumulated Value-free of any charges for up to 30 days after the Contract Anniversary in which the Bailout Cap Rate was pierced. After the 30-day Bailout Window, all charges may apply.

Minimum Interest Credit — Automatic Interest Boost

The indexed crediting strategies in an equity-indexed annuity guarantee that your Accumulated Value will never decrease due to market performance.

The Minimum Interest Credit feature in Athene Accumulator 10 annuity takes this guarantee one step further. If at the end of your withdrawal charge period, the total interest credited to your Accumulated Value is less than the Minimum Interest Credit, you will automatically receive a one-time interest credit equal to the difference. The Minimum Interest Credit is based upon a percentage of your Initial Premium fewer withdrawals and charges.

Confinement Waiver

You can withdraw up to 100% of your annuity’s value if you are confined to a Qualified Care Facility. This benefit is available if you are confined for at least 60 consecutive days any time after the first Contract Year and meet eligibility requirements. No Withdrawal Charge or MVA apply if you qualify for this benefit. You cannot be confined at the time your contract is issued and confinement must begin at least one year after the Contract Date.

Terminal Illness

Waiver Withdraw up to 100% of the annuity’s Accumulated Value if you are diagnosed with a terminal illness that is expected to result in death within one year and meet eligibility requirements. No Withdrawal Charge or MVA apply if you qualify for this benefit. This waiver is available after your first Contract Anniversary and the initial diagnosis of terminal illness must be made at least one year after the Contract Date.

Death Benefit

Your annuity can offer your loved ones a quick source of funds to settle matters after your death. Your beneficiary is guaranteed your annuity’s full Accumulated Value or Minimum Guaranteed Contract Value, whichever is greater.

Athene Life Insurance is also an inexpensive way to leave a death benefit to beneficiaries.

Minimum Guaranteed Contract Value

Ensures you will receive a minimum interest crediting rate on a percentage of your premium, adjusted for withdrawals, while the contract is in effect.

Contract Surrender

If you decide to surrender your Contract, Athene will pay you the Contract’s Cash Surrender Value. The Cash Surrender Value is equal to the greater of the following values as defined in your contract:

  • The Accumulated Value less any applicable Withdrawal Charges and adjusted for any MVA
  • The Minimum Guaranteed Contract Value


Additional information.

Athene Accumulator 10 annuities are designed to meet your long-term savings and retirement needs.

They include a Withdrawal Charge period. If you withdraw more money than the free amount allowed by your contract, or if you surrender the annuity before the Withdrawal Charge period ends, a Withdrawal Charge and Market Value Adjustment will be applied. These charges do not apply to Free Withdrawals, RMDs, payments made in settlement of your annuity’s Death Benefit, or Confinement and Terminal Illness waivers.

Withdrawal Charge

If you surrender your annuity or withdraw an amount that exceeds the Free Withdrawal amount during the Withdrawal Charge period, you will incur a Withdrawal Charge. In part, Withdrawal Charges allow the company to invest your money on a long-term basis and generally credit higher yields than possible with a similar annuity of a shorter term.

Market Value Adjustment

A Market Value Adjustment applies to withdrawals in excess of the free withdrawal amount and full surrenders during the withdrawal charge period. If you take a withdrawal before the end of your withdrawal charge period, an MVA will be applied to that withdrawal. If interest rates in the market are higher than when you purchased your annuity, the MVA is negative, meaning an additional amount is deducted from your contract value.

The MVA may increase or decrease the amount of the Withdrawal or Cash Surrender Value of your Contract depending on the change in interest rates. If interest rates have increased, stayed the same, or decreased by less than 0.25%, the MVA will be negative. If interest rates have decreased by more than 0.25%, the MVA will be positive.


Athene Accumulator 10 Legacy Rider (optional)

Grow your legacy for those you care about with the optional Athene Accumulator 10 Legacy Rider.


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