Strong growth potential, even in a low interest rate environment

Strength

Multi-year crediting period strategies allow for higher participation in potential index gains even in a low-rate environment.

Stability

Choose crediting strategy allocation with confidence, knowing rates won’t change over the Withdrawal Charge Period.

 

Flexibility

Access to multiple investment strategies to meet needs for growth potential and protection from stock market losses.

Pick a crediting strategy based on 3 simple choices

AccuMax is powered by your choice of crediting strategy which is made up of the term, crediting method and index. You can allocate your premium among one or more index crediting strategies, which can help you balance your preference for growth and risk.

number one  Choose your term period

How long do you want the crediting strategy to last?

  • AccuMax 5 offers interest crediting strategies of 1 or 5 years.
  • AccuMax 7 offers interest crediting strategies of 1 or 7 years.

number two Select your crediting method

  • Point-to-Point — Index credits are based on the difference between the index value when the term starts and when it ends, multiplied by the Participation Rate.  A Participation Rate is the percentage of any index gain that is credited to the annuity. 
  • Annual Interval Sum — Interest credits are based on the total of each year’s index performance multiplied by the Participation Rate in years when the index performance is positive. In years when the index performance is negative, loss is protected by a 10% floor. Index credits are applied at the end of the term and will never be negative.
  • Fixed rate — Interest credits are based on a declared rate that lasts for a set time.

number three Choose your index

An index is part of what determines how your money could grow. Your money is not invested directly in the actual index. Instead, you receive interest credits based in part on index performance. Index options are chosen to offer a blend of choices that complement each other and provide the opportunity to meet a variety of needs. 

You can allocate your premium among one or more index crediting strategies.

Explore Athene AccuMax

AccuMax 5

AccuMax 7

 

Find out if AccuMax may be right for you

Talk with your financial professional to learn more about how AccuMax can help you retire with confidence by providing strength, stability and flexibility.

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.

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.

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) 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, in all states (except New York), and in D.C. and P.R. Annuity contracts are issued by Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY, in New York. Group annuity contracts for New York residents and New York contract holders are issued in New York by Athene Annuity & Life Assurance Company of New York, Pearl River, NY. 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 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.