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Fixed Indexed Annuity

Athene Accumulator 7

Athene Annuity and Life Company

9.5%

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 cap rate

9.5% cap on S&P 500

A seven-year-surrender, A+-rated fixed indexed annuity from Athene built for accumulation — a recognizable S&P 500 annual point-to-point cap sits alongside a broader menu of proprietary volatility-controlled participation-rate strategies, with no guaranteed-lifetime-withdrawal rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a shorter seven-year surrender commitment, one recognizable S&P 500 cap to compare against other FIAs, and access to a broader menu of proprietary participation-rate strategies from a large A+-rated carrier — and who do not need a guaranteed lifetime-income rider built into the contract.

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

9.5% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

83% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.8% 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

  • Athene Annuity and Life Company carries an A+ A.M. Best rating, so the carrier strength view on this page is from a recognized agency.
  • Surrender term runs seven years, a shorter commitment than the ten-year deferral common on many indexed annuities at this premium level.
  • The index menu spans a recognizable S&P 500 annual point-to-point cap alongside multiple proprietary volatility-controlled participation-rate 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), so buyers who want one like-for-like comparison point plus broader proprietary exposure can build that mix inside one contract.
  • Several proprietary indexes are offered in both a one-year point-to-point and a two-year point-to-point form on the same contract, so a buyer can pick the crediting cadence that fits their planning horizon.
  • Free-withdrawal allowance, the full surrender ladder, and the available surrender waivers (nursing-home and terminal-illness) are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • This is not a guaranteed-lifetime-withdrawal product. There is no GLWB income rider on this contract — do not compare its lifetime payout side-by-side with a rider-led income FIA using only what is on this page.
  • Only one strategy on this contract is a cap on a recognizable benchmark (the S&P 500 annual point-to-point cap). Every other strategy is a participation rate on a proprietary volatility-controlled index — those participation numbers can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several of these indexes have shorter live-track histories than the S&P 500 itself.
  • The death benefit on this contract pays cash surrender value, with no roll-up and no step-up — 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 no premium bonus on this contract — buyers cross-shopping against bonus FIAs should weigh that difference explicitly rather than only comparing headline strategy rates.
  • The guaranteed-minimum cap floor on this contract is very low — caps on the S&P 500 strategy can reset down toward that floor over the surrender term, and the buyer carries that renewal risk for the full seven years.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a premium bonus to offset the surrender term, expect a death-benefit roll-up beyond cash surrender value, or need short-surrender liquidity — none of those are what this contract is built to deliver.

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: 210% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender$100,000+

Par: 170% · 1-yr

AI Powered US Equity Index

participation

7-yr surrender$100,000+

Par: 153% · 1-yr

AI Powered Global Opportunities Index

participation

7-yr surrender$100,000+

Par: 153% · 1-yr

UBS Innovative Balanced Index

participation

7-yr surrender$100,000+

Par: 125% · 1-yr

Nasdaq FC Index

participation

7-yr surrender$100,000+

Par: 97% · 1-yr

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

participation

7-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 4.8% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 295% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender$100,000+

Par: 225% · 2-yr

AI Powered US Equity Index

participation

7-yr surrender$100,000+

Par: 210% · 2-yr

AI Powered Global Opportunities Index

participation

7-yr surrender$100,000+

Par: 210% · 2-yr

UBS Innovative Balanced Index

participation

7-yr surrender$100,000+

Par: 200% · 2-yr

Nasdaq FC Index

participation

7-yr surrender$100,000+

Par: 137% · 2-yr

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

participation

7-yr surrender$100,000+

Par: 83% · 5-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 210% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

$100,000+

Par: 170% · 1-yr

AI Powered US Equity Index

$100,000+

Par: 153% · 1-yr

AI Powered Global Opportunities Index

$100,000+

Par: 153% · 1-yr

UBS Innovative Balanced Index

$100,000+

Par: 125% · 1-yr

Nasdaq FC Index

$100,000+

Par: 97% · 1-yr

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

$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.8% · 1-yr

Fixed Account

$100,000+

Par: 295% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

$100,000+

Par: 225% · 2-yr

AI Powered US Equity Index

$100,000+

Par: 210% · 2-yr

AI Powered Global Opportunities Index

$100,000+

Par: 210% · 2-yr

UBS Innovative Balanced Index

$100,000+

Par: 200% · 2-yr

Nasdaq FC Index

$100,000+

Par: 137% · 2-yr

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

$100,000+

Par: 83% · 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%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

65175 - 7 .pdf

Confidence: highReviewed Apr 5, 2026

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

brochure

73007.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 7 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: 9.5% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 97% participation
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 137% 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
  • 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 65175 - 7 .pdf and 73007.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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