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What can a RILA do for you?

Higher growth potential than a Fixed Indexed Annuity

Level of protection from market loss

Tax deferral on growth

How do RILAs work?

RILAs may help you accumulate money based in part on growth in a published market index, while also providing a measure of protection from loss if the index declines in value.

Growth is tied to an index

While your money is not invested directly in the index, you receive Segment Credits based partly on how the index performs. With Participation Rates over 100%, you have the opportunity to earn Segment Credits that may even exceed index returns.

RILA growth graph

Potential loss is managed with buffers

Buffer Segment Option
Provides a level of protection, up to the Buffer Rate, from typical market volatility and is a percentage of loss you don’t wish to absorb. Losses in excess of the Buffer Rate will reduce your Segment Value.

Buffer graph showing risk and protection levels

Is a RILA right for you?

  • You’re comfortable with financial risk, but you want a portion of your retirement savings to have a measure of protection from loss if the markets decline.
  • You want the risk you do accept to translate into growth potential that other types of annuities may not provide.
  • You’re looking for tax-deferred growth. Generally, that means you won’t pay taxes until you withdraw money from your annuity.

Athene RILAs

Athene RILAs offer unique crediting features that can potentially enhance growth and step-up protection. Features vary by product.

Athene Amplify® 2.0

Amplify your vision of a life well-lived

A dynamic solution for today’s investor seeking higher returns in volatile markets

Learn more about Amplify 2.0 

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

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Smart Strategies

Registered index-linked annuities have a risk of substantial loss of principal and related earnings. They are designed to be a long-term investment product used to help provide income for retirement and are not suitable as a short-term investment.

Segment Credit: The amount credited to each Segment Option according to the terms of the Segment Option and Crediting Method.

Segment Options: Segment Options include Index-Linked Segment Options and a Fixed Segment Option, each with a Segment Term Period. Each Index-Linked Segment Option will also have a Reference Index, a Buffer Rate, Cap Rate and Participation Rate, or Trigger Rate. The Index-Linked Segment Option may be subject to a Segment Fee.

Participation Rate: A percentage that is multiplied by a positive index change, after the application of the Cap Rate, to calculate the Segment Credit. For Dual Direction Segment Options, the Downside Participation Rate applies to a negative index change that is fully offset by the Buffer Rate. The Downside Participation Rate is equal to the Participation Rate that applies to a positive index change.

Cap Rate: The maximum positive index change that will be used in the calculation of Segment Credits that may be applied to a Segment Option.

Buffer Rate: A level of protection from potential market loss up to a Buffer Rate. Losses in excess of the Buffer Rate will reduce your Segment Value.

Trigger Rate: A rate used in the calculation of Trigger and Dual Trigger Segment Options to determine Segment Credits when the threshold at which a positive Segment Credit applies is an index change that is greater than or equal to zero, or a negative index change that is fully offset by the Buffer Rate.

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.

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.

This website contains highlights only. Any discussion of this product must be preceded or accompanied by a Prospectus which provides more detailed product information, including all charges or limitations as well as definitions of capitalized terms.

Athene Amplify 2.0 ICC24 RIA II (05/25), ICC24 RIA II (05/25) NF, ICC24 CS II (05/25), ICC24 CW II (05/25), ICC24 TIW II (05/25), ICC24 SCS II (05/25), ICC24 SCS II (05/25) NF, ICC24 Fixed II (05/25), ICC24 Buffer II (05/25), ICC24 Buffer II (05/25) NF, ICC24 Buffer MI II (05/25), ICC24 Buffer MI II (05/25) NF, ICC24 Buffer MSTN II (05/25), ICC24 Buffer MSTN II (05/25) NF, ICC24 Trigger II (05/25), ICC24 Trigger II (05/25) NF, ICC24 Dual Trigger II (05/25), ICC24 Dual Trigger II (05/25) NF, ICC24 Dual Direction II (05/25), ICC24 Dual Direction II (05/25) NF, ICC24 GMDB II (05/25), ICC24 GMDB II (05/25) NF, ICC24 Performance Lock II (05/25), ICC24 Interim II (05/25) or state variation RIA II (05/25), RIA II (05/25) NF, CS II (05/25), CW II (05/25), TIW II (05/25), SCS II (05/25), SCS II (05/25) NF, Fixed II (05/25), Buffer II (05/25), Buffer II (05/25) NF, Buffer MI II (05/25), Buffer MI II (05/25) NF, Buffer MSTN II (05/25), Buffer MSTN II (05/25) NF, Trigger II (05/25), Trigger II (05/25) NF, Dual Trigger II (05/25), Dual Trigger II (05/25) NF, Dual Direction II (05/25), Dual Direction II (05/25) NF, GMDB II (05/25), GMDB II (05/25) NF, Performance Lock II (05/25), Interim II (05/25) issued by Athene Annuity and Life Company, West Des Moines, IA, and distributed by its affiliate Athene Securities, LLC, West Des Moines, IA, member FINRA/SIPC, a registered broker-dealer. Product features, limitations and availability vary; see the prospectus for details. Product not available in all states.

Athene Amplify 2.0 RIA II (05/25) NF, CS II (05/25), CW II (05/25), TIW II (05/25), SCS II (05/25) NF, Fixed II (05/25), Buffer II (05/25) NF, Buffer MI II (05/25) NF, Trigger II (05/25) NF, Dual Trigger II (05/25) NF, Dual Direction II (05/25) NF, GMDB II (05/25) NF, Performance Lock II (05/25) issued by Athene Annuity & Life Assurance Company of New York, headquartered in Pearl River, New York. Product features, limitations and availability may vary; see prospectus 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.

Registered index-linked annuities can only be marketed and sold by securities licensed financial professionals. To view individual credentials, go to https://brokercheck.finra.org/. Athene Securities, LLC (Athene Securities) is the distributing underwriter of the contract.

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