What Athene Annuity & Life offers
Athene’s lineup centers on fixed index annuities (FIAs) like Agility, Ascent, and Performance Elite, plus multi‑year guaranteed annuities (MYGAs) and immediate/deferred income annuities. FIAs combine principal protection with indexed crediting tied to choices such as the S&P 500 and volatility‑managed proprietary indices, along with a fixed‑rate bucket. MYGAs provide guaranteed interest for set terms (commonly 3–7 years) with simple liquidity features and historically competitive rates.
Common FIA features
- Income riders: Built‑in or optional riders offering lifetime income, roll‑ups, or bonuses to an income base, with flexible start dates.
- Crediting choices: Annual point‑to‑point, participation‑rate strategies, blended indices, and fixed interest.
- Access and waivers: Typically up to 10% penalty‑free withdrawals annually, beneficiary enhancements, and nursing‑home/terminal‑illness waivers, subject to contract.
Why this benefits insurance agents
Athene pairs competitive mechanics with practical distribution support. Advisors get compliant illustrations and e‑apps, current rate sheets, and marketing materials for streamlined case design and submission. Training libraries and suitability guidance help compare riders and indices. Athene’s brand strength and consistently attractive MYGA rates make accumulation and laddering conversations straightforward, while FIA flexibility supports diverse retirement needs.
Why this benefits customers
Customers can protect principal, grow tax‑deferred, and convert savings into guaranteed lifetime income. FIAs offer upside potential via index credits without market‑loss risk to principal; income riders turn balances into dependable paychecks with optional enhancements. MYGAs deliver predictable, guaranteed interest over chosen terms, and income annuities provide immediate or deferred payouts to cover essential expenses and longevity risk.