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Fixed Indexed Annuity

Athene AccuMax 5

Athene Annuity and Life Company

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10%

Free W/D

50

Available jurisdictions

Product data status: July 17, 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 AccuMax 5 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 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$282,586
Est. value at age 80 (Athene AccuMax 5)
2
Broad-market strategies
AI Powered Multi-Asset Index — 305% Participation (5-yr point-to-point)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down year credits 0%, never a loss. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene AccuMax 5's published participation rate (305% on AI Powered Multi-Asset Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 5-year credits are applied only at completed term anniversaries. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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Live rate data

Run live numbers for Athene AccuMax 5

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 17, 2026, from AdvisorWorld and CANNEX.

No annual cap published

A short five-year, accumulation-only fixed indexed annuity from A+ rated Athene with no market value adjustment, where every index strategy on the menu — including the S&P 500 — uses a 5-year participation-rate crediting term, paired with a 1-year fixed-account option for buyers who want a portion in a declared rate.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want index participation without a long deferral commitment, are comfortable with 5-year participation-rate crediting on every index strategy rather than annual caps, value the absence of a market value adjustment on early exits, and want the option to split premium between an index strategy and a 1-year fixed-account rate from a large A+ rated carrier.

AM Best

A+ Superior

Surrender period

5 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

83% participation rate

Participation

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

buffered

78% participation rate

Participation

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.1% declared rate

Fixed account

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

+ 8 additional crediting options (Shiller Barclays, AI Powered...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender period runs only five years with no market value adjustment, which is short for a fixed indexed annuity — most FIAs on this site lock buyers in for seven to ten years, so a buyer who wants index participation without a long deferral can get it here.
  • A 1-year fixed-account strategy is offered alongside the index strategies on the same contract, so a buyer who wants to park a portion of premium in a declared rate without leaving the contract can do so rather than picking only between index participation options.
  • The S&P 500 is available in two different crediting structures on this contract — a 5-year participation rate and a 5-year participation rate with a downside floor — so a buyer who wants buffered S&P exposure has that lever on a recognizable index without leaving the contract.
  • Free-withdrawal allowance, the full five-year surrender ladder, the no-MVA flag, the nursing-home waiver, and the terminal-illness waiver are visible directly on this page rather than gated behind a sales brochure.
  • Athene is A+ rated by A.M. Best and additionally rated by Fitch, Moody's, and S&P, so the carrier strength view on this page is from multiple recognized agencies rather than one.

What to confirm

  • This is an accumulation-only fixed indexed annuity. There is no optional lifetime-income rider attached in the live feed and no built-in Protected Income Value chassis, so do not buy this contract for a guaranteed lifetime withdrawal — its job is index-linked growth over the five-year term, not income.
  • Every index strategy on this contract that touches the S&P 500 is a 5-year participation-rate term — there is no annual point-to-point cap on the menu. A 5-year participation rate is not directly comparable to the annual S&P 500 caps headlined on most other FIAs on this site, because the index move is measured over five times the window before any participation is applied, and there is no interim credit during the term; read the strategy table on this page, not a 1-year cap from a different contract.
  • The proprietary index strategies (Shiller Barclays CAPE Allocator 6 and AI Powered Multi-Asset Index) publish participation rates that can look high in absolute terms because the underlying indexes are volatility-controlled and target lower realized volatility than the S&P 500, so a participation rate well above one hundred percent is not equivalent to the same rate on an uncapped S&P 500 strategy — read the index name and methodology in the strategy table before reading the participation number.
  • Premium bands are tiered on this contract — every strategy publishes a lower participation rate or fixed rate for premium under one hundred thousand dollars and a higher rate at or above that band. A buyer comparing the headline rate on this page should confirm which band their premium will fall into before treating the higher number as their own.
  • 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.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want an annual point-to-point cap on the S&P 500 they can compare line-for-line against other FIAs, prefer a plain MYGA-style declared rate for the full premium, need interim crediting during a multi-year index term, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

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All crediting strategies

View rate listings (14 strategies)

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

Par: 175% · 1-yr

AI Powered Multi-Asset Index

participation

5-yr surrender$100,000+

Par: 170% · 1-yr

Shiller Barclays CAPE Allocator 6 Index

participation

5-yr surrender$100,000+

Fixed: 4.1% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 355% · 5-yr

Shiller Barclays CAPE Allocator 6 Index

participation

5-yr surrender$100,000+

Par: 305% · 5-yr

AI Powered Multi-Asset Index

participation

5-yr surrender$100,000+

Par: 83% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 78% · 5-yr

S&P 500 Index

buffered

5-yr surrender$100,000+

Fixed: 3.9% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999

Par: 165% · 1-yr

AI Powered Multi-Asset Index

participation

5-yr surrenderUp to $99,999.99

Par: 160% · 1-yr

Shiller Barclays CAPE Allocator 6 Index

participation

5-yr surrenderUp to $99,999.99

Par: 335% · 5-yr

Shiller Barclays CAPE Allocator 6 Index

participation

5-yr surrenderUp to $99,999.99

Par: 290% · 5-yr

AI Powered Multi-Asset Index

participation

5-yr surrenderUp to $99,999.99

Par: 78% · 5-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Par: 75% · 5-yr

S&P 500 Index

buffered

5-yr surrenderUp to $99,999.99

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

Athene AccuMax 5 review notes

Discover the features, rates, and benefits of Athene AccuMax Fixed Indexed Annuity. Learn if it's the right choice for your retirement savings.

4.5/5Read review
Nikhil Bhauwala

Common questions about Athene AccuMax 5

● Can I lose money in Athene AccuMax 5?

A negative index return by itself does not reduce the contract's account value: Athene AccuMax 5 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 scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Athene AccuMax 5's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene AccuMax 5 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

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Fixed account guarantee

0.25%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

75.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum protection floor

10.00%

Maximum protection floor: 10.00%

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

8%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene AccuMax 5 brochure.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 AccuMax 5 currently shows 14 indexed or fixed crediting options, including S&P 500 Index, with 8 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: 83% 5-year participation rate
  • S&P 500 Index: 78% 5-year participation rate
  • S&P 500 Index: 75% 5-year participation 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
  • 5 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as Athene AccuMax 5 brochure.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

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