Your retirement savings goals are within reach

Tax deferral

You don’t pay taxes on any growth until you make a withdrawal.

Growth Potential

Earn additional growth with Interest Credits based in part on the performance of an external market index.

Guarantees

Receive a guaranteed Accumulated Value at the end of your Withdrawal Charge period with our Minimum Interest Credit feature.

How is Accumulator different?

With Athene Accumulator, you can allocate your money among the interest crediting strategies in your contract.

  • Indexed Strategies
    These give you the potential to earn interest based in part on the upward movement of a stock market index. The interest you earn in a particular strategy is credited at the end of the strategy’s Index Term Period. You’re guaranteed to never earn less than 0% interest.

  • Fixed Strategy
    The fixed strategy provides a guaranteed rate of interest that is credited to your annuity daily. Athene declares the guaranteed rate for this strategy each contract year.

Additional features for added peace of mind

Bailout Feature – You have full access to your annuity’s Accumulated Value for up to 30 days after the Contract Anniversary if the declared 1-Year Point-to-Point Index Strategy Annual Cap Rate falls below the Bailout Cap Rate.

 

 

Optional Legacy Rider – This optional rider (available for a charge) can help grow your legacy for those you care about with:

  • Guaranteed growth from simple interest 
  • Two Payout Options for your beneficiary to choose from
  • Dollar-for-Dollar Withdrawals up to the greater of 5% annually or the Required Minimum Distribution

 

 

Explore Athene Accumulator

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Accumulator 10

Find out if Accumulator may be right for you

Talk with your financial professional to learn more about Accumulator can help you reach retirement savings goals with guarantees, growth potential, tax deferral and special features not found with other fixed indexed annuities.

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 Accumulator GEN (09/15) NB and Athene Accumulator Legacy Rider ICC16 GMDB (06/16) or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificate of Disclosure for details. Products 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.