Take control with three important guarantees

Guaranteed Return of Premium

Additional protection from unpredictable circumstances, which allows for Return of Premium, within contract parameters. Benefit applies with additional charge.

Guaranteed Minimum Interest Credit

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

 

Guaranteed protection from market risk

Your annuity’s Accumulated Value will never decrease due to market performance

Grow your nest egg

Choose from among several 1-year index strategies that earn interest based in part on the upward movement of a stock market index. Or choose a fixed strategy that provides a guaranteed rate of interest that is credited to your annuity daily.

Worry less about the possibility of changing circumstances

The Return of Premium benefit provides the ability to surrender at any time during the Withdrawal Charge period and receive your initial purchase premium, less any withdrawals.1 Benefit available for a charge.

Receive 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, you automatically receive a one-time credit equal to the difference.

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Protector 5

Protector 7

 

Find out if Athene Protector may be right for you

Talk with your financial professional to learn more about Athene Protector can help you build your retirement nest egg and manage the unpredictable with a Return of Premium benefit.

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.

1 Withdrawals and surrender of taxable amounts are subject to ordinary federal and state income tax, and except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59½. Withdrawals in excess of the no-charge amount are subject to a Withdrawal Charge which may result in the loss of principal. The Withdrawal Charge schedule may reduce the actual accumulation amount in accordance with the terms of the contract in determining the Cash Surrender Value.

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.

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.

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.