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Protecting savings in turbulent times. Creating lifetime income for a secure retirement. At Athene, we’re always reaching higher so you can achieve more.

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The key to achieving emotional and financial well-being in retirement is preparation. Use these resources to help make your retirement dreams a reality.

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Individuals Professionals Investors Institutions
Institutions
The institutional channel includes reinsurance and group annuity contracts related to pension risk transfers.
Reinsurance Pension Risk Transfer (PRT)

About Athene Careers 888-266-8489

Is Your Home Retirement Ready?

Lifestyle

While previous generations of retirees were likely to downsize and head to warmer locales, an AARP study found that 78 percent of people age 45 and older want to stay in their current home through retirement. And of those age 65 and older, 88 percent would like to stay put.

"There's always been an expectation that when people retire they will head to warmer weather and kick back a little, but today those notions about what people want from retirement are changing dramatically," says Jennifer Wallace-Brodeur, senior advisor, programs, Livable Communities in AARP's Public Policy Institute program.

However, this new trend of staying put requires a little elbow grease, since many homes need updating to make sure they remain appropriate living spaces no matter how old you are or what your physical abilities are, adds Rachel Adelson, author of Staying Power: Age-Proof Your Home for Comfort, Safety and Style.

"We tend to underestimate future disabilities and illnesses because we're optimistic as a species," says Adelson. "But we know that our vision will change. We know that we may develop arthritis. There are a number of things that are predictable about aging and we need to think about them."

What follows is a quick list of things to check for around your home that will make it easier to age in place. You won't need to dive into all of these updates right away, but it's smart to know what you'll want to change so that you can make a priority list and budget.

Entries
Doorways may need to be widened: 32 inches with a straight-in approach is recommended; 36 inches if any turns are involved. Any steps leading into the house should have riser heights between 6 and 7.5 inches. Ideally at least one entryway should not have steps

Floors
Floors should be level and smooth in order to prevent falls. "Falls can be life-changing for older adults," says Adelson. "Many people who fall never go back to independent living." It's also important to remove scatter rugs and secure lamp cords and other electronic cords that pose a tripping hazard.

Stairs
Consider adding reflective, nonskid tape to stair treads. Install handrails on both sides of staircases, extending the handrails before and after the landings.

Lighting
Another issue that contributes to falls is a lack of good lighting. Bright, even overhead lighting is best. Having three-way switches in different parts of a room and at opposite ends of hallways and stairs means lighting is always readily available. If you can't retrofit the switches, consider using automatic night-lights in hallways and on stairs to make things safer.

Bathrooms and kitchen
Not only are you looking for trip or fire hazards but also little things that can make daily tasks a bit easier. "Something simple like changing kitchen cabinet hardware to larger, easier-to-open options can make a huge difference," says Adelson. "Likewise, installing grab bars in the bathroom is relatively easy and usually inexpensive."

About Athene Careers 888-266-8489 Individuals Professionals Institutions
Institutions
The institutional channel includes reinsurance and group annuity contracts related to pension risk transfers.
Reinsurance Pension Risk Transfer (PRT)
Investors
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Annuities contain features, exclusions, and limitations that vary by state. For a full explanation of an annuity, please refer to the Certificate of Disclosure and contact your Financial Professional or the company for costs and complete details.

This material is a general description intended for general public use. Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (including MA and D.C.), and Athene Annuity & Life Assurance Company of New York (68039), headquartered in Pearl River, NY, and issuing annuities in New York, 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. Please reach out to your financial professional if you have any questions about Athene products or 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 Athene annuity.

ATHENE ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT.