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Fixed Indexed Annuity

Athene Ascent Pro 10

Athene Annuity and Life Company

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7.25%

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 Ascent Pro 10 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
$281,254
Est. value at age 80 (Athene Ascent Pro 10)
7.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7.25% 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 Ascent Pro 10's published cap rate (7.25% 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 Ascent Pro 10 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 Ascent Pro 10

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

7.25% cap on S&P 500

A ten-year-surrender, A+-rated FIA from Athene whose crediting menu pairs one recognizable S&P 500 annual point-to-point cap with a broad lineup of proprietary participation-rate strategies, and which flags income capability without exposing a rider with a published payout rate in this data.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a ten-year deferral with a market-value adjustment, want a recognizable S&P 500 cap exposure alongside a wide menu of proprietary participation-rate strategies, and value carrier strength corroborated across multiple recognized agencies — and who will confirm any income story directly with the carrier rather than treat the contract's income flag on this page as a published guaranteed withdrawal rate.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7.25% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.8% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 12 additional crediting options (BNP Paribas, Nasdaq FC, AI Powered...)

Lifetime Income Riders

Income rider

Ascent Enhanced Income Rider - Income

Lifetime payout rate6.9% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up10%/yr

Income rider

Ascent Enhanced Income Rider - Earnings-Indexed Income

Lifetime payout rate4.8% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up10%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • The crediting menu includes an annual point-to-point cap on the S&P 500, so a buyer gets at least one like-for-like comparison point against other FIAs on this site instead of only proprietary participation strategies.
  • Index lineup is unusually broad for a single contract — BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and an S&P 500 decrement index all appear, giving a buyer multiple volatility-controlled choices to weigh against the plain S&P cap.
  • Most index strategies are offered in both a one-year and a two-year measurement window, so a buyer who prefers a longer crediting window with a higher participation rate can choose that cadence on the same contract rather than going to a different product.
  • No published strategy fee on any current allocation — the participation and cap numbers on this page are gross of any allocation-charge deduction, which makes cross-strategy comparisons inside this product cleaner than on fee-bearing FIA menus.
  • Nursing-home and terminal-illness waivers are both present on this contract, so a buyer who needs penalty-free access during a qualifying health event has two named waiver categories rather than one or none.
  • Athene Annuity and Life Company carries an A+ rating from A.M. Best, Fitch, and Standard & Poor's, plus an A1 from Moody's, so the carrier strength view on this page is corroborated across four recognized agencies rather than relying on a single rater.

What to confirm

  • The product data flags an income capability on this contract, but no income rider with a published payout rate or roll-up appears in the feed for this contract. A buyer evaluating Ascent Pro 10 for guaranteed lifetime income should ask the carrier directly for the rider election form, the current payout-rate table, and any rider fee before treating this contract as a like-for-like alternative to a rider-led income FIA.
  • Surrender lockup runs ten years on amounts above the free-withdrawal allowance, and a market-value adjustment applies to those amounts during the term. The MVA introduces interest-rate sensitivity on early exits beyond the published surrender-charge ladder — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • Most of the index options are proprietary volatility-controlled indexes (Multi Asset Diversified, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and a decrement variant on the S&P 500). 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 standard death benefit pays cash surrender value, not account value and not 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 published guaranteed-lifetime-withdrawal rate visible on this page, want short-surrender liquidity, need MVA-free access during the term, require an account-value or rolled-up death benefit for heirs, or prefer a plain MYGA-style declared rate without any index strategy decisions — none of those are what this contract is built to deliver.

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See how Athene Ascent Pro 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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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: 180% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderDoes not vary by premium

Par: 145% · 1-yr

AI Powered US Equity Index

participation

10-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderDoes not vary by premium

Par: 120% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrenderDoes not vary by premium

Par: 105% · 1-yr

Nasdaq FC Index

participation

10-yr surrenderDoes not vary by premium

Par: 80% · 1-yr

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

participation

10-yr surrenderDoes not vary by premium

Cap: 7.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 3.8% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 245% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrenderDoes not vary by premium

Par: 190% · 2-yr

AI Powered US Equity Index

participation

10-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

Nasdaq FC Index

participation

10-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrenderDoes not vary by premium

Par: 110% · 2-yr

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

participation

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Ascent Enhanced Income Rider - Level Income

Lifetime withdrawal rate6.9%
Annual rider fee1%
Guaranteed roll-up10%/yr
Deferral assumed10 years

GLWB

Income rider

Ascent Enhanced Income Rider - Earnings-Indexed Income

Lifetime withdrawal rate4.8%
Annual rider fee1%
Guaranteed roll-up10%/yr
Deferral assumed10 years

GLWB

Linked review

Athene Ascent Pro 10 review notes

Discover the Athene Ascent Pro Fixed Indexed Annuity: features, rates, riders, and company details. A comprehensive review for informed decisions.

3.5/5Read review
Nikhil Bhauwala

Common questions about Athene Ascent Pro 10

● Can I lose money in Athene Ascent Pro 10?

A negative index return by itself does not reduce the contract's account value: Athene Ascent Pro 10 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.

● Is the Ascent Enhanced Income Rider - Level Income income rider worth the 1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 10% roll-up and 6.9% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● 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 10 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 Ascent Pro 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene Ascent Pro 10 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.

Cap-rate floor

0.50%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

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

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

65178.pdf

Confidence: highReviewed Apr 5, 2026

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

brochure

Athene-Ascent-Pro-10-Consumer-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 Ascent Pro 10 currently shows 14 indexed or fixed crediting options, including S&P 500 Index and Fixed Account, with 12 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: 7.25% annual cap
  • Fixed Account: 3.8% fixed account rate

Income rider language

What to look for before treating the rider as income

Ascent Enhanced Income Rider - Level Income is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.9% withdrawal rate
  • 1% rider fee
  • 10 deferral years

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
  • 10 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 65178.pdf and Athene-Ascent-Pro-10-Consumer-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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See how Athene Ascent Pro 10 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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