What can a FIA do for you?

Protection from loss due to market downturns

Lifetime income option

Tax deferral on growth

How do FIAs work?

FIAs are powered by the crediting strategy you choose. For most FIAs, a crediting strategy is made up of three parts.

number one Term

How long do you want the strategy to last? Every FIA is different, but you’ll generally choose a term from one to 7 years.

number two Crediting method

This refers to how your interest credits are calculated and is generally either a fixed rate or a point-to-point method.

number three Index

This is the market index your growth is based on. While your money is not invested directly in the index, you do receive index credits based partly on how the index performs.

Is a FIA right for you?

  • You want access to at least a portion of your money, without incurring a Withdrawal Charge, if you need it.
  • You want to leave a legacy for your loved ones.
  • You want the opportunity for growth potential, tax-deferred growth and protection from loss during volatile markets.

Athene FIAs

Athene FIAs offer optional riders that provide benefits like lifetime income, increased liquidity or an enhanced death benefit option. Riders vary by product and are often at an additional charge. Learn more about Athene FIAs.

AccuMaxSM

Retire with confidence
AccuMax can help you protect what you have, increase growth potential and ensure it will last.

Learn more about AccuMax 

AccumulatorSM

Save more with great rates and lower potential risk
Help reach retirement savings goals with growth potential, tax deferral and guaranteed returns.

Learn more about Accumulator 

AgilitySM

Flexibility and security to reach for your retirement dream
An annuity that adapts for changing retirement needs whether for growth, income or help with the unexpected.

Learn more about Agility 

AscentSM Pro

Income that lasts
Built with the potential to grow savings and create a guaranteed income stream to last a lifetime.

Learn more about Ascent Pro 

Performance Elite®

Make your money work for the long term
Built for accumulation with highly competitive rates.

Learn more about Performance Elite 

ProtectorSM

Peace of mind for the journey ahead
Built for accumulation with a Return of Premium guarantee.

Learn more about Protector 

An Athene Financial Professional can help find the product that’s right for you. Contact Us 

Want to learn more?

Discover your retirement savings approach.

Take the quiz

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These products 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.

Indexed annuities are not stock market investments and do not directly participate in any stock or equity investments. Market indices may not include dividends paid on the underlying stocks, and therefore may not reflect the total return of the underlying stocks; neither an index nor any market-indexed annuity is comparable to a direct investment in the equity markets.

Guaranteed lifetime income is available through annuitization or an income rider. Income riders may be built into the contract or optional for a charge.

Under current tax law, the Internal Revenue Code already provides tax deferral to qualified money, so there is no additional tax benefit obtained by funding a qualified contract, such as an IRA, with an annuity; consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit.

Athene AccuMax ICC20 STA (11/20); Athene Accumulator GEN (09/15) NB and Athene Accumulator Legacy Rider ICC16 GMDB (06/16); Athene Agility GEN (09/15) NB, Income and Death Benefit Rider IR (06/18) and Enhanced Income Benefit Endorsement EIBR (06/18); Athene Ascent Pro GEN (09/15) NB, GEN10 (04/14) and Athene Ascent Income Rider IR1 (09/15), IR2 (09/15); Athene Ascent Pro 10 Bonus GEN10 (04/14) and Athene Ascent Income Rider IR1 (09/15), IR2 (09/15); Athene Performance Elite GEN (09/15) NB, GEN10 (04/14), TBS15 (09/12) Athene Performance Elite Plus BONUS (04/17) and Enhanced Liquidity Rider ICC15 PEPR (11/14); Athene Protector GEN (09/15) NB and Return of Premium Rider ICC17 ROP (08/17) or state variation is issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificate of Disclosure 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.

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The institutional channel includes reinsurance and group annuity contracts related to pension group annuities.
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Annuities contain features, exclusions, limitations and availability that may vary by state and/or sales distributor. 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.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

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; Athene Life Re Ltd., Hamilton, Bermuda; and Athene Annuity 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.