What can a RILA do for you?

Higher growth potential than a FIA

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 stock 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 turn down.
  • 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 

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.

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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.