Peace of mind for the journey ahead

Athene Protector fixed indexed annuities offer a variety of index crediting strategies and exclusive indices that deliver strong growth potential. It also includes a built-in Return of Premium benefit.

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Product Resources & Rates

Product Training

Training is required prior to selling any Athene annuity. To complete your product training, visit the RegEd site 

Course Name RegEd Code
Athene Protector 5, 7 Protect57_2018

Discover everything you need to know about the indices that power Athene annuities. Index Resource Center 

For product support or to run an illustration, contact the best Sales Desk in the business at 888-ANNUITY 

Multiple Interest Crediting Strategies

Allocate to strategies featuring a variety of crediting methods and underlying market indices.1

Up to 10% Free Withdrawals

Beginning in the first Contract Year, withdraw up to 10% of the annuity's Accumulated Value each Contract Year without a Withdrawal Charge.2 

Minimum Interest Credit 

Provides the opportunity for a one-time automatic interest credit. If at the end of the withdrawal charge period, the total interest credited to the Accumulated Value is less than the Minimum Interest Credit, the client automatically receives a one-time credit equal to the difference.3 

Bailout Feature

If Athene lowers the declared 1-Year Point-to-Point Index Strategy Annual Cap Rate below the Bailout Cap Rate, this feature gives the client full access to the Accumulated Value for up to 30 days — free of any charges — so clients can feel confident about their money.4 

Additional features for added peace of mind

Terminal Illness and Confinement Waivers.3 

Give clients protection from unpredictable circumstances with the built-in Return of Premium benefit.

Built-in for a charge, the Return of Premium benefit provides the ability to surrender at any time during the Withdrawal Charge period and receive initial purchase premium, less any prior withdrawals.5 

1 See the Index Strategy Disclosure and Allocation Form for more information. Note that Athene may add or eliminate index strategies from time to time. A specific strategy may not be available for the life of the contract. 

2 Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59½. Withdrawals are not credited with index interest in the year they are taken. Withdrawals in excess of the free amount are subject to a Withdrawal Charge which may result in the loss of principal. 

3 May not be available in all states. Additional limitations, variations, and exclusions may apply. Please see Certificate of Disclosure for more information. 

4 After the 30-day Bailout Window, all charges may apply. 

5 Withdrawals do not include any applicable Rider or Withdrawal Charges. 

Athene Protector GEN (09/15) NB and Return of Premium Rider ICC17 ROP (08/17) or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Products not available in all states.