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Fixed Indexed Annuity

Athene Accumulator 5

Athene Annuity and Life Company

9.75%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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 termAdvisorWorld + 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

Rate varies by premium band.

S&P 500

S&P 500 Index

85% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.9% declared rate

Rate varies by premium band.

+ 12 volatility-controlled index 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-return 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.

All crediting strategies

View rate listings (30 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: 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: 215% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

$100,000+

Par: 175% · 1-yr

AI Powered US Equity Index

$100,000+

Par: 158% · 1-yr

UBS Innovative Balanced Index

$100,000+

Par: 157% · 1-yr

AI Powered Global Opportunities Index

$100,000+

Par: 128% · 1-yr

Nasdaq FC Index

$100,000+

Par: 100% · 1-yr

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

$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.9% · 1-yr

Fixed Account

$100,000+

Par: 302% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

$100,000+

Par: 230% · 2-yr

AI Powered US Equity Index

$100,000+

Par: 215% · 2-yr

AI Powered Global Opportunities Index

$100,000+

Par: 215% · 2-yr

UBS Innovative Balanced Index

$100,000+

Par: 205% · 2-yr

Nasdaq FC Index

$100,000+

Par: 140% · 2-yr

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

$100,000+

Par: 85% · 5-yr

S&P 500 Index

$100,000+

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.

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.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 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

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 15 distinct indexed or fixed crediting choices across 30 current rate listings, including S&P 500 Index and S&P 500 FC TCA 0.50% Decrement Index (USD) ER, with 10 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.75% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 100% participation
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 140% participation

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

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