Athene Amplify^® 3.0 Calculator

 This product and the components and features contained within are not available in all states or firms. Please reach out to your financial professional for more details on state approvals and firm guidelines.

This calculator uses current rates, which are subject to change, to provide an estimate of how the Cap Rate, Participation Rate and Trigger Rate may be set on the Initial Segment Start Date.

All Segment Options, including 1- and 2-year options, illustrate over a 6-year period to align with the 6-year withdrawal charge period of the product.

All hypothetical examples are for informational purposes only and are not indicative of past, nor intended to predict, future performance of any specific product or Segment Option. Best and Worst market scenario dates were chosen in a fair and balanced manner to demonstrate how of the product features of Amplify 3.0 operates in different market scenarios and are not actual best and worst historical performance time periods.

If applicable, a 0.95% annual Segment Fee will be deducted from your annuity’s Base Segment Value daily which may result in the loss of principal. The Segment Fee is set at issue and guaranteed not to change for the life of the contract. This fee does not apply to values in the Fixed Segment Option. Segment Fee is reflected in report results. 

Taking advantage of the unique characteristics of multiple Segment Options may be an effective way to achieve your long–term savings goals. While there are many ways to allocate your money, not all combinations of index options, term periods, and buffer levels are available. Your financial professional can help determine an allocation strategy that best suits your needs.

Segment Credit: The amount credited to each Segment Option according to the terms of the Segment Option and Crediting Method.

Segment Options: Segment Options include Index-Linked Segment Options and a Fixed Segment Option, each with a Segment Term Period. Each Index-Linked Segment Option will also have an Index or Indices, a Buffer Rate, a Cap Rate and a Participation Rate, or a Trigger Rate and may be subject to a Segment Fee.

Segment Term Period: Duration over which Segment Credits are calculated.

Participation Rate: A percentage that is multiplied by a positive index change, after the application of the Cap Rate, to calculate the Segment Credit. For Dual Direction Segment Options, the Downside Participation Rate applies to the absolute value of a negative index change that is fully offset by the Buffer Rate. The Downside Participation Rate is equal to the Participation Rate that applies to a positive index change.

Cap Rate: The maximum positive index change that will be used in the calculation of Segment Credits that may be applied to a Segment Option.

Trigger Rate: A rate used in the calculation of Trigger and Dual Trigger Segment Options to determine Segment Credits when index change is greater than or equal to a threshold specified by the strategy.

Buffer Rate: A level of protection from potential market loss up to a Buffer Rate. Losses in excess of the Buffer Rate will reduce your Base Segment Value.

Performance Blend: Performance Blend is a weighted average return of three different indices (SPX, RTY, MXEA) where at the Segment End Date, 50% of the index change used to determine Segment Credits is based on the return of the best performing Index, 30% is based on the return of the second-best performing Index and 20% is based on the return of the lowest performing Index. The Cap Rate, Participation Rate and Buffer Rate are then applied to this weighted average return.

Free Withdrawals: This annuity provides annual Free Withdrawal privileges. Beginning in the first Segment Year, you can withdraw up to 10% of your Contract Value on the Initial Segment Start Date without a Withdrawal Charge or Interest Adjustment. Each Segment Year thereafter, you can withdraw up to 10% of your annuity's Contract Value as of the previous Segment Anniversary without a Withdrawal Charge or Interest Adjustment. There is no Free Withdrawal during the time money is allocated to the Holding Account. Withdrawals of taxable amounts are subject to ordinary income tax, and if made before age 591/2, may be subject to a 10% federal income tax penalty. For surrenders or withdrawals that exceed the Free Withdrawal amount during the 6-year Withdrawal Charge period, a Withdrawal Charge and Interest Adjustment will apply. Withdrawals from an Index-Linked Segment Option before the Segment End Date will include an Equity Adjustment. The application of Withdrawal Charges, Equity Adjustments, and Interest Adjustments may result in the loss of principal.

Additional Withdrawal Provisions: This annuity includes a Confinement Waiver and a Terminal Illness Waiver if eligibility criteria are met. If requesting either Waiver, you’ll be eligible for up to 100% of your annuity’s Contract Value (which includes any applicable Equity Adjustment). Withdrawal Charges will be waived if you qualify for this benefit during the Withdrawal Charge Period. An Interest Adjustment will not apply to distributions made under these Waivers.

Withdrawal Charge: A Withdrawal Charge in accordance with the rate schedule will apply to surrenders or amounts withdrawn in excess of the Free Withdrawal amount as follows: 8%, 8%, 7%, 6%, 5%, 4%.

Annual Segment Fee: A 0.95% annual Segment Fee is deducted daily from each applicable Index-Linked Segment Option. The Segment Fee is set at issue and guaranteed not to change for the life of the Contract.

Registered index-linked annuities can only be marketed and sold by securities licensed financial professionals. They are designed to be long-term investment products used to help provide income for retirement. They are not suitable as short-term investments. There is a risk of substantial loss of principal and related earnings depending on the Segment Options to which the Purchase Payment is allocated. In the event of negative index performance, Segment Credits may be negative after application of the Buffer Rate and the Contract Owner bears the portion of loss that exceeds that rate. 

Guarantees provided by annuities are subject to the financial strength and claims paying ability of the issuing insurance company.

S&P 500 Index • The S&P 500^® Index (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“S&P DJI”) and has been licensed for use by Athene Annuity and Life Company (“Athene”). S&P^®, S&P 500^®, SPX^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Athene’s products are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.

Nasdaq-100^® Index • Nasdaq^®, Nasdaq-100^®, and Nasdaq-100 Index^®, are trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use by Athene Annuity and Life Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Russell 2000^® Index • Athene annuity products (the “Products”) have been developed solely by Athene Annuity and Life Company. The Products are not in any way connected to or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). FTSE Russell is a trading name of certain of the LSE Group companies. All rights in the Russell 2000 Index (the “Index”) vest in the relevant LSE Group company which owns the Index. “Russell^®” and “Russell 2000^®” are trademarks of the relevant LSE Group company and are used by any other LSE Group company under license. The Index is calculated by or on behalf of FTSE International Limited or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of the Products. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from the Products or the suitability of the Index for the purpose to which it is being put by Athene Annuity and Life Company.

MSCI EAFE Index • The products referred to herein are not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities or any index on which such products are based. The prospectus/contract contains a more detailed description of the limited relationship MSCI has with Athene Annuity and Life Company and any related products.

Athene Amplify 3.0 ICC25 RIA III (05/26)/RIA III (05/26), ICC25 CS III (05/26)/ CS III (05/26), ICC25 CW III (05/26)/CW III (05/26), ICC25 TIW III (05/26)/TIW III (05/26), ICC25 SCS III (05/26)/SCS III (05/26), ICC25 Fixed III (05/26)/Fixed III (05/26), ICC25 Buffer PTP III (05/26)/Buffer PTP III (05/26), ICC25 Performance Blend III (05/26)/Performance Blend III (05/26), ICC25 Dual Direction III (05/26)/Dual Direction III (05/26), ICC25 Trigger III (05/26)/Trigger III (05/26), ICC25 Dual Trigger III (05/26)/Dual Trigger III (05/26), ICC25 GMDB III (05/26)/GMDB III (05/26), ICC25 Performance Lock III (05/26)/Performance Lock III (05/26) or state variations issued by Athene Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate Athene Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the prospectus for details. Product not available in all states.

The purpose of this material is solicitation of insurance. Any sale of an annuity will require contact with a financial professional.

Registered index-linked annuities can only be marketed and sold by securities licensed financial professionals. Any discussion of this product must be preceded or accompanied by a Prospectus.