What can a fixed annuity do for you?

Guaranteed growth at a set rate

Opportunity to produce a guaranteed stream of income you cannot outlive

Full protection of principal from market loss

How do fixed annuities work?

Fixed annuities provide tax-deferred growth at a fixed rate of interest set for a predetermined amount of time. Fixed annuities allow you to make two choices based on your needs and preferences.


number one Choose how much you want to save

Initial Premium amounts range from $5,000 to $1 million.


number two Choose how long you’d like to save your money

You can select either a three-, five- or seven-year term period. Your annuity includes a Withdrawal Charge period that is equal to the Term Period.

Earn a guaranteed interest rate

Interest is credited to your annuity with either a Multi-Year Fixed Strategy or a 1-Year Fixed Strategy.

  • The interest rate for the Multi-Year Fixed strategy is guaranteed for the Term Period you choose.
  • The 1-Year Fixed Strategy is used to credit interest to any Additional Premium. The interest rate is set when you purchase your annuity and is guaranteed for one year. A Renewal Interest Rate is set every year on your Contract Anniversary.

Is a fixed annuity right for you?

  • You’re looking for tax-deferred growth. Generally, that means you won’t pay taxes until you withdraw money from your annuity.
  • You want guaranteed growth at a set rate.

  • You want the option to turn your annuity into a guaranteed stream of income.

Explore Athene fixed annuities

Your opportunity to potentially grow your assets and create a guaranteed stream of income you can't outlive.

Athene MYGSM

Earn a guaranteed rate of interest regardless of market conditions.

For New York residents

Athene MYGSM with Return of Premium Option

Protection from unpredictable circumstances plus an option to choose a Return of Premium benefit.

For New York residents

Athene MaxRate®

Choose growth, income or both depending on your needs.

For New York residents

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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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.