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 or floors

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.

Floor Segment Option
Provides a level of protection, beyond the Floor Rate, if the market has a significant downturn. It’s the maximum percentage of loss you’re willing to assume during a down market. Losses in excess of the Floor Rate will reduce your Segment Value.

Buffer and Floor 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

Remaster investing on your terms

Get the power to remaster risk management and asset accumulation

Learn more about Amplify 


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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