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Fixed Indexed Annuity

Athene AccuMax 7

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 7 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
$216,904
Est. value at age 80 (Athene AccuMax 7)
2
Broad-market strategies
AI Powered Multi-Asset Index — 325% Participation (7-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 7's published participation rate (325% 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; 7-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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See how Athene AccuMax 7 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 AccuMax 7

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 seven-year-surrender, 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 participation rate rather than an annual cap, available on both 1-year and 7-year crediting terms.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a seven-year deferral who are comfortable evaluating participation-rate crediting on every strategy rather than annual caps, want the recognizable S&P 500 line alongside two proprietary index options from a top-rated carrier, value the absence of a market value adjustment on early exits, and intend to fund the contract at or above the $100,000 premium band where the headline strategy rates apply.

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

83% participation rate

Participation

7-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

buffered

77% participation rate

Participation

7-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

3.35% declared rate

Fixed account

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier financial-strength is rated by four independent agencies on this contract — A.M. Best A+ (Superior), Fitch A+ (Strong), Standard & Poor's A+ (Strong), and Moody's A1 (Good) — so the strength view is not a single-source read and three of the four agencies sit at the same letter tier.
  • Crediting menu pairs the recognizable S&P 500 with two distinct proprietary indexes (the AI Powered Multi-Asset Index and the Shiller Barclays CAPE Allocator 6 Index), and each index is offered on both a 1-year and a 7-year crediting term inside the same contract — a buyer who wants to mix crediting cadences can do so without leaving this product.
  • The S&P 500 line is also available as a 1-year-measured, 7-year-credited participation strategy with a published floor on losses, so a buyer who wants downside protection beyond a simple zero-floor index strategy has that choice alongside the standard fixed account.
  • There is no market value adjustment on this contract, so surrenders above the published free-withdrawal allowance carry only the surrender charge for the year of exit — no additional interest-rate-driven swing on the exit amount, which is unusual on a multi-year deferred FIA.
  • Free-withdrawal allowance, the full seven-year surrender ladder, the nursing-home and terminal-illness waivers, premium bands, and a carrier brochure for this exact contract are all visible directly on this page rather than gated behind a sales call.

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 across the seven-year surrender term, not income.
  • Every index strategy on this contract is a participation rate, not an annual point-to-point cap — so the headline numbers on this page are not directly comparable to the annual S&P 500 caps published on most other FIAs on this site. The two 7-year strategies measure and credit only at the end of the seven-year term; the 1-year participation strategies measure annually but their structure is still a participation rate against the index move, not a capped one. Read each strategy's crediting term and rate type in the strategy table before lining any number up against another contract's cap.
  • The two proprietary indexes on this menu — the AI Powered Multi-Asset Index and the Shiller Barclays CAPE Allocator 6 Index — are volatility-controlled or systematic strategies whose participation rates can look high in absolute terms but are not directly comparable to a participation rate on the S&P 500 itself. The index move that the participation is applied to is structurally smaller on a volatility-controlled index, so a higher participation number does not automatically translate to a higher credit; evaluate each index on its own back-tested behavior, not the headline rate alone.
  • Premium bands matter on this contract — the published rates step down at premiums below $100,000 on every strategy, including the fixed bucket, the S&P 500 participation lines, and both proprietary indexes. A buyer planning to fund the contract under that band should read the lower-band column in the strategy table, not the headline rate that is set for premiums at or above the band threshold.
  • 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. There is also no premium bonus and no return-of-premium guarantee on this contract — features that some competing accumulation FIAs include.

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, plan to fund the contract below the $100,000 premium band where the headline rates set, need shorter-than-seven-year liquidity, or require an account-value-based or rolled-up 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: 145% · 1-yr

AI Powered Multi-Asset Index

participation

7-yr surrender$100,000+

Par: 140% · 1-yr

Shiller Barclays CAPE Allocator 6 Index

participation

7-yr surrender$100,000+

Fixed: 3.35% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 400% · 7-yr

Shiller Barclays CAPE Allocator 6 Index

participation

7-yr surrender$100,000+

Par: 325% · 7-yr

AI Powered Multi-Asset Index

participation

7-yr surrender$100,000+

Par: 83% · 7-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 77% · 7-yr

S&P 500 Index

buffered

7-yr surrender$100,000+

Par: 73% · 7-yr

S&P 500 Index

buffered

7-yr surrenderUp to $99,999

Par: 135% · 1-yr

AI Powered Multi-Asset Index

participation

7-yr surrenderUp to $99,999.99

Par: 130% · 1-yr

Shiller Barclays CAPE Allocator 6 Index

participation

7-yr surrenderUp to $99,999.99

Fixed: 3.1% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 380% · 7-yr

Shiller Barclays CAPE Allocator 6 Index

participation

7-yr surrenderUp to $99,999.99

Par: 305% · 7-yr

AI Powered Multi-Asset Index

participation

7-yr surrenderUp to $99,999.99

Par: 78% · 7-yr

S&P 500 Index

participation

7-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 7 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 7

● Can I lose money in Athene AccuMax 7?

A negative index return by itself does not reduce the contract's account value: Athene AccuMax 7 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 7 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 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene AccuMax 7 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

73.00%

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

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene-AccuMax-Annuity-Brochure.pdf

Confidence: highReviewed Apr 2, 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 7 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% 7-year participation rate
  • S&P 500 Index: 77% 7-year participation rate
  • S&P 500 Index: 78% 7-year participation rate
  • S&P 500 Index: 73% 7-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
  • 7 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-Annuity-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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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