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Fixed Indexed Annuity

Athene Accumulator 5

Athene Annuity and Life Company

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9.75%

Best S&P 500 Annual Cap

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 Accumulator 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
$310,636
Est. value at age 80 (Athene Accumulator 5)
9.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.75% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene Accumulator 5's published cap rate (9.75% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how Athene Accumulator 5 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 Accumulator 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.

S&P 500 annual point-to-point cap rate

9.75% cap on S&P 500

An accumulation-focused, A+-rated fixed indexed annuity from Athene with a five-year surrender — the shortest in the Accumulator family — built around a recognizable S&P 500 annual point-to-point cap plus a menu of participation-rate proprietary index strategies, with no income rider attached in this data.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want index-linked upside from a large A+-rated carrier on the shortest surrender Athene offers in the Accumulator family, who value a recognizable S&P 500 cap as their like-for-like comparison point, and who do not need a contractually guaranteed lifetime withdrawal rate from this contract.

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

9.75% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

85% participation rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.9% declared rate

Fixed account

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

Rate varies by premium band.

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

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender lockup is the shortest in the Athene Accumulator family — a buyer who wants index-linked upside without the ten-year deferral commitment that most FIAs require can get it on this contract.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so a buyer gets at least one like-for-like comparison point against other FIAs rather than only proprietary participation strategies.
  • Free-withdrawal allowance, the surrender ladder, the no-market-value-adjustment flag, the nursing-home waiver, and the terminal-illness waiver are all visible directly on this page rather than gated behind a sales brochure.
  • None of the fifteen current strategies carries a published strategy fee that is deducted regardless of index performance, so the participation and cap numbers a buyer sees are the gross crediting terms rather than terms net of a separate strategy charge.
  • Athene is A+-rated by A.M. Best, so the carrier strength view on this page is from a recognized agency at a level above the A-rated baseline.

What to confirm

  • This contract is built for accumulation, not income. There is no income rider attached in this data and no built-in lifetime income guarantee — a buyer whose primary goal is a contractually guaranteed lifetime withdrawal rate should evaluate a rider-led product instead.
  • Most of the index menu is proprietary volatility-controlled or excess-shows strategies (BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, S&P 500 FC TCA Decrement). Their participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself — evaluate each on its own merits.
  • The shortest surrender in the Accumulator family is paired with a tighter crediting environment than the longer Accumulator terms typically offer. A buyer choosing the five-year for liquidity is making an explicit trade against the higher caps and participation rates that longer-deferral FIAs can fund — compare the headline cap on this contract against the seven-year and ten-year siblings before choosing.
  • 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.
  • A two-year and a five-year point-to-point strategy appear on the menu alongside the annual point-to-point strategies. Multi-year strategies do not credit interest until the end of the term, so a buyer who allocates to one is locking up that bucket from any interim crediting and from in-term reallocation — confirm reallocation timing with the carrier before splitting across terms.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from an income rider, want a plain MYGA-style declared rate with no index component, require an account-value-based death benefit, or want the higher caps and participation rates that longer-deferral FIAs in the Accumulator family or elsewhere can typically fund.

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All crediting strategies

View rate listings (30 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: 215% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

5-yr surrender$100,000+

Par: 175% · 1-yr

AI Powered US Equity Index

participation

5-yr surrender$100,000+

Par: 158% · 1-yr

UBS Innovative Balanced Index

participation

5-yr surrender$100,000+

Par: 157% · 1-yr

AI Powered Global Opportunities Index

participation

5-yr surrender$100,000+

Par: 128% · 1-yr

Nasdaq FC Index

participation

5-yr surrender$100,000+

Par: 100% · 1-yr

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

participation

5-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 4.9% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 302% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

5-yr surrender$100,000+

Par: 230% · 2-yr

AI Powered US Equity Index

participation

5-yr surrender$100,000+

Par: 215% · 2-yr

AI Powered Global Opportunities Index

participation

5-yr surrender$100,000+

Par: 215% · 2-yr

UBS Innovative Balanced Index

participation

5-yr surrender$100,000+

Par: 205% · 2-yr

Nasdaq FC Index

participation

5-yr surrender$100,000+

Par: 140% · 2-yr

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

participation

5-yr surrender$100,000+

Par: 85% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 205% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

5-yr surrenderUp to $99,999.99

Par: 165% · 1-yr

AI Powered US Equity Index

participation

5-yr surrenderUp to $99,999.99

Par: 150% · 1-yr

UBS Innovative Balanced Index

participation

5-yr surrenderUp to $99,999.99

Par: 148% · 1-yr

AI Powered Global Opportunities Index

participation

5-yr surrenderUp to $99,999.99

Par: 123% · 1-yr

Nasdaq FC Index

participation

5-yr surrenderUp to $99,999.99

Par: 95% · 1-yr

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

participation

5-yr surrenderUp to $99,999.99

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Fixed: 4.65% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 288% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

5-yr surrenderUp to $99,999.99

Par: 220% · 2-yr

AI Powered US Equity Index

participation

5-yr surrenderUp to $99,999.99

Par: 205% · 2-yr

AI Powered Global Opportunities Index

participation

5-yr surrenderUp to $99,999.99

Par: 205% · 2-yr

UBS Innovative Balanced Index

participation

5-yr surrenderUp to $99,999.99

Par: 195% · 2-yr

Nasdaq FC Index

participation

5-yr surrenderUp to $99,999.99

Par: 133% · 2-yr

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

participation

5-yr surrenderUp to $99,999.99

Par: 80% · 5-yr

S&P 500 Index

participation

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 Accumulator 5 review notes

Explore the features and benefits of Athene Accumulator Fixed Indexed Annuity. Is it right for your retirement plan? Find out in our in-depth review.

4.5/5Read review
Nikhil Bhauwala

Common questions about Athene Accumulator 5

● Can I lose money in Athene Accumulator 5?

A negative index return by itself does not reduce the contract's account value: Athene Accumulator 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 Accumulator 5's crediting strategies compare?

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

Death Benefit Rider

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

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

65175.pdf

Confidence: highReviewed Apr 5, 2026

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

brochure

73000.pdf

Confidence: highReviewed Apr 1, 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 Accumulator 5 currently shows 30 indexed or fixed crediting options, including S&P 500 Index, 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: 9.75% annual cap
  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 85% 5-year participation rate
  • S&P 500 Index: 80% 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 65175.pdf and 73000.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

Free Comparison Report

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