Making sure you’re covered

Preparing for retirement isn't just about figuring out where you want to live, or deciding if you're the type of person who likes cruises. It's also about protecting the savings you’ve worked so hard to build and leaving a lasting legacy for your loved ones. To help reach these goals, you may be looking for ways to add growth potential, guaranteed income and legacy protection into your retirement plan.

Protection from a market downturn

A market downturn can put your savings at risk, which could impact your ability to afford the retirement you’ve always dreamed of. To help protect your retirement savings, think about incorporating strategies for reducing risk while helping provide stability and security.

Solutions to decrease your exposure to risk and create guaranteed income in retirement: 

  • Fixed annuities can allow your principal — the initial amount you use to purchase the annuity — to grow tax-deferred.
  • They can also provide protection from loss due to market volatility along the way.
  • Annuities can be a less risky option than investing directly in the stock market.

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

How is an annuity different than life insurance?

In some ways, annuities and life insurance are like two sides of a coin.  

  • Both are used primarily for protection. 
  • For annuities, the protection they provide is from outliving your money, often in the form of guaranteed income. 
  • Most annuities and certain types of life insurance can be used for tax-deferred accumulation, which means you don’t need to pay taxes until you begin receiving payments.
  • Life insurance, on the other hand, provides protection through a death benefit that is typically tax-free.
  • Both annuities and life insurance may provide options for death benefit provisions.

Say I enjoy a long life. What can I do to protect my money for as long as I live?

Along with helping to minimize market risk, an annuity can provide retirees the option to build guaranteed income into their retirement plan. At a time when people are living well into their late 80s, 90s and even past 100, this can help ensure your savings last as long as you do


How can I leave a legacy for my loved ones?

Preparing for retirement is often two-fold. You want to ensure your lifestyle is protected, but you may want to create a lasting legacy for your spouse, children or grandchildren as well.

Some annuities offer a death benefit:

  • If you pass away before or while receiving payouts from your annuity, the remaining amount could go to your beneficiaries.
  • Certain annuities can continue to provide guaranteed income to a spouse for the rest of their life.

Products for your protection strategy

Explore featured products to help protect what you’ve saved. Product features and availability may vary by state and/or sales distributor.

Athene AccuMaxSM

Fixed Indexed Annuities

Earn a guaranteed rate of interest for a specific period regardless of market conditions.
Earnings are tax-deferred until withdrawn.

Learn more about AccuMax 

Athene MYGSM

Multi-Year Guarantee Annuity

Earn a guaranteed rate of interest for a specific period regardless of market conditions.
Earnings are tax-deferred until withdrawn. May include an optional return of premium benefit.

Learn more about MYG   

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Athene ProtectorSM

Fixed Indexed Annuities

Combines the protection provided by fixed rate annuities with the opportunity to earn interest credits based in part on the positive performance of a stock market index.

Learn more about Protector  

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The institutional channel includes reinsurance and group annuity contracts related to pension group annuities.
Reinsurance Pension Group Annuities (PGA)
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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, in all states (except New York), and in D.C. and P.R. Annuity contracts are issued by Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY, in New York. Group annuity contracts for New York residents and New York contract holders are issued in New York by Athene Annuity & Life Assurance Company of New York, Pearl River, NY. 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 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.


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.