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Fixed Indexed Annuity

Athene Performance Elite 7 Plus

Athene Annuity and Life Company

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8.75%

Best S&P 500 Annual Cap

10%

Free W/D

50

Jurisdictions

Product data status: July 11, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Athene Performance Elite 7 Plus would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 11, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$263,199
Est. value at age 80 (Athene Performance Elite 7 Plus)
6%
Premium bonus offered
S&P 500 Index — 11.5% Cap (Strategy Fee Included · Annual · 1.25% fee)
✦
How crediting works: the cap limits positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene Performance Elite 7 Plus's published cap rate (11.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Net growth deducts the 1.25% annual strategy fee returned for this strategy. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $6,000 premium bonus (6%) = $106,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of July 11, 2026.

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See how Athene Performance Elite 7 Plus compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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Live rate data

Run live numbers for Athene Performance Elite 7 Plus

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Athene Annuity and Life Company product.

Live product data

Rates as of July 11, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 cap rate

8.75% cap on S&P 500

An accumulation-focused fixed indexed annuity from a top-rated carrier that pairs a recognizable S&P 500 annual point-to-point cap with a broad menu of proprietary participation-rate strategies on both one-year and two-year crediting periods, with a first-year premium bonus that vests over a longer horizon than the surrender schedule itself.

1-year term7-year surrenderAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a hold long enough to fully vest the premium bonus (longer than the surrender-charge period) who want recognizable S&P 500 cap exposure as the core of the allocation alongside a broader-than-usual proprietary index menu and choice of crediting cadence, from one of the strongest multi-agency-rated carriers in this lineup.

AM Best

A+ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.75% cap rate

Annual cap

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Strategy Fee Included

11.5% cap rate

Annual cap

Strategy fee: 1.25%/yr

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.6% declared rate

Fixed account

1-year term · 7-year surrender · Premium band not shown

+ 24 additional crediting options (BNP Paribas, Nasdaq FC, AI Powered...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Contract pays a first-year premium bonus on every dollar of premium, applied up front to the account value — the 'Plus' designation in the name comes from this bonus, which the base Performance Elite 7 chassis does not carry. Read the bonus rate and vesting schedule in the bonus section before reading any crediting number on this page.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with five distinct participation-rate strategies on proprietary indexes (BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and an S&P 500 FC TCA decrement variant), giving the buyer one clean apples-to-apples cap plus a broad menu of volatility-controlled alternatives inside one contract.
  • Every index strategy is offered in two flavors on the same contract — a no-fee version and a 'Strategy Fee Included' version that charges an annual strategy fee in exchange for a higher cap or participation rate — and is available on both a one-year and a two-year crediting period, so a buyer who prefers a longer crediting cadence can hold it without leaving the contract.
  • Carrier strength is top-tier across all four published agencies — A.M. Best A+ (Superior), Fitch A+ (Strong), Moody's A1 (Good), and Standard & Poor's A+ (Strong) — which is the strongest multi-agency rating set in this lineup.
  • A declared fixed-rate bucket sits alongside the index strategies, so a buyer can park part of the premium in a non-indexed allocation without leaving the contract, and the contract files in all fifty states plus the District of Columbia rather than as a state-restricted filing.

What to confirm

  • The first-year premium bonus is NOT immediately yours. It vests on a multi-year schedule that runs longer than the surrender period itself: the published vesting schedule starts at zero in year one and reaches full vesting only at the end of year eight, while the surrender charge schedule expires after year seven. A full surrender at any point before the bonus is fully vested forfeits the unvested portion — even a surrender after the surrender charges have expired still loses part of the bonus to non-vesting. Read the bonus as a long-deferral incentive, not as free up-front money, and read the year-by-year vesting table in the bonus section before assuming the bonus is yours on day one.
  • Several of the highest participation rates on this contract credit against proprietary volatility-controlled or excess-return indexes (the AI Powered indexes, the BNP MAD5, the UBS Innovative Balanced, and the S&P 500 FC TCA decrement variant) whose historical returns are not directly comparable to the S&P 500. A high participation rate on a low-volatility excess-return index is not equivalent to the same rate on the uncapped S&P 500 strategy; read the index name and methodology in the strategy table before reading the participation number.
  • The higher-rate version of every index strategy is a 'Strategy Fee Included' variant that carries a published annual strategy fee deducted regardless of index performance. A higher cap or participation rate on a fee-bearing strategy is not directly comparable to the no-fee version at face value — read the fee column on the strategy table before reading the headline number.
  • Surrender lockup runs the full surrender-charge period with a market-value adjustment on amounts above the free-withdrawal allowance, and the year-one free-withdrawal allowance is smaller than the year-two-and-beyond allowance — read the surrender schedule and free-withdrawal tier table before assuming uniform liquidity. Confirm with the carrier how the MVA is computed before any planned partial surrender, especially in year one when free-withdrawal headroom is at its narrowest.
  • The standard death benefit on this contract pays cash surrender value, not account value or a rolled-up income base — heirs receive what a buyer would receive on a non-penalty surrender, which can be materially lower than an account-value-based death benefit on a competing contract, and the unvested portion of the bonus does not pass through either.

Not ideal for

Buyers who need a guaranteed lifetime withdrawal rider, want an account-value or rolled-up death benefit, may need to surrender before the bonus-vesting horizon completes, need a larger year-one free-withdrawal allowance, or want the published headline cap to be free of a strategy fee on its highest-rate version — none of those are what Performance Elite 7 Plus is built to deliver, and the premium bonus should be read as a long-deferral incentive rather than free up-front money.

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See how Athene Performance Elite 7 Plus compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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All crediting strategies

View rate listings (28 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 250% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

7-yr surrender

Par: 205% · 1-yr

AI Powered US Equity Index

Strategy Fee Included · participation

7-yr surrender

Par: 200% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 180% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

7-yr surrender

Par: 180% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

7-yr surrender

Par: 165% · 1-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 150% · 1-yr

Nasdaq FC Index

Strategy Fee Included · participation

7-yr surrender

Par: 145% · 1-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 145% · 1-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 120% · 1-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 117% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included · participation

7-yr surrender

Par: 92% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

7-yr surrender

Cap: 11.5% · 1-yr

S&P 500 Index

Strategy Fee Included · cap

7-yr surrender

Cap: 8.75% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 4.6% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 355% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

7-yr surrender

Par: 280% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 270% · 2-yr

AI Powered US Equity Index

Strategy Fee Included · participation

7-yr surrender

Par: 255% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

7-yr surrender

Par: 250% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

7-yr surrender

Par: 240% · 2-yr

Nasdaq FC Index

Strategy Fee Included · participation

7-yr surrender

Par: 215% · 2-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 200% · 2-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 200% · 2-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 190% · 2-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 160% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included · participation

7-yr surrender

Par: 128% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

7-yr surrender

Fixed: 3% · 1-yr

Fixed Account

FX

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Athene Performance Elite 7 Plus review notes

Explore the Athene Performance Elite Fixed Indexed Annuity for growth, principal protection, and liquidity. Learn about its features and benefits.

5/5Read review
Nikhil Bhauwala

Common questions about Athene Performance Elite 7 Plus

● Can I lose money in Athene Performance Elite 7 Plus?

A negative index return by itself does not reduce the contract's account value: Athene Performance Elite 7 Plus credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Athene Performance Elite 7 Plus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene Performance Elite 7 Plus strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Premium bonus

6%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.8%

Yr 3

7.9%

Yr 4

6.9%

Yr 5

5.9%

Yr 6

5%

Yr 7

4%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene Performance Elite 7 Plus brochure pdf.pdf

Confidence: highReviewed Apr 14, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA+
S&PA+
Moody'sA1
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Athene Performance Elite 7 Plus currently shows 28 distinct indexed or fixed crediting choices across 55 current rate listings, including S&P 500 Index and Fixed Account, with 24 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 8.75% annual cap
  • S&P 500 Index: 11.5% annual cap, Fee-bearing option, 1.25% annual strategy fee
  • Fixed Account: 4.6% fixed account rate
  • Fixed Account: 3% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 7 surrender years
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Athene Performance Elite 7 Plus brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Athene Performance Elite 7 Plus compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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