What is an annuity?

An annuity is a long-term retirement savings product that can help protect you from outliving your money.

It has the potential to grow tax-deferred, have death benefits to protect your beneficiary and optional living benefits to protect your retirement income.

You can choose how to fund your annuity, how interest is credited to it and how you take payments from it.

What can it do for you?

Helps you sleep better

Helps you sleep better

An Athene fixed indexed annuity can help you save money on a tax-deferred basis and can guarantee you'll receive income for life. So no matter how long you live, you won't outlive your retirement income.

Growth potential

Growth potential

A fixed indexed annuity has the potential for higher interest earnings than a traditional fixed annuity with a guaranteed minimum interest crediting rate. There’s also no direct downside market risk to your money, if held through the withdrawal charge period.

Fills in the gaps

Fills in the gaps

Sometimes IRAs, Social Security and pensions aren’t enough for the retirement you want. A fixed indexed annuity can help provide income and savings for your next best life.

Talk to a Financial Professional about including fixed annuities in your retirement plan.

When you might need it

If you're in one or more of these situations, an Athene fixed indexed annuity might be exactly what you need.

  • You're saving for retirement
    If you're already contributing the maximum to other retirement plans, like an IRA or 401(k), a fixed indexed annuity is an attractive retirement planning option that grows tax-deferred.
  • You won't need the money soon
    If you don't anticipate needing the money from a fixed indexed annuity prior to the time you turn 59½, then a fixed indexed annuity may be a good option for you.
  • You're worried you might outlive your savings
    Annuities can provide guaranteed income for the rest of your life, whether you live to be 100 or even 120. It could happen.
  • You want to leave a legacy
    With an Athene annuity, you can provide your loved ones with a death benefit in the event of your death.
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Annuities contain features, exclusions and limitations that vary by state. For a full explanation of an annuity, please refer to the Certificate of Disclosure or Prospectus (as applicable) and contact your financial professional or the company for costs and complete details.  This material is a general description intended for general public use. 

Annuity contracts and group annuity contracts are issued by Athene Annuity and Life Company (61689), West Des Moines, IA, and Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware, in all states (except New York), and in D.C. and PR.  Annuity contracts and group annuity contracts are issued by Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY, in New York state.  Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.  Insurance products may not be available in all states.  These companies are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & Life Assurance Company, Athene Annuity & Life Assurance Company of New York, or Athene Securities, LLC.  Please reach out to your financial professional if you have any questions about insurance products and their features.

The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an annuity.

ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT.

Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; and Athene Life Re Ltd., Hamilton, Bermuda.  Not all reinsurance products or structures offered are available in all jurisdictions.  Reinsurers may not be licensed in all states.  All transactions are subject to meeting a reinsurer’s underwriting requirements.  Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds.