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Fixed Indexed Annuity

Athene Ascent Pro 10

Athene Annuity and Life Company

7.25%

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

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 termAdvisorWorld + 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

Fixed Account

Fixed Account

3.8% declared rate

+ 12 volatility-controlled index options (BNP Paribas, Nasdaq FC, AI Powered...)

Lifetime Income Riders

Income rider

Ascent Enhanced Income Rider - Earnings-Indexed Income

RMD friendly
Lifetime payout rate6.6% lifetime payout
Annual rider fee1% annual rider fee

Income rider

Ascent Enhanced Income Rider - Income

RMD friendly
Lifetime payout rate6% lifetime payout
Annual rider fee1% annual rider fee

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 filing. 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.

All crediting strategies

View rate listings (28 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: 180% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 145% · 1-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 120% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 120% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 105% · 1-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 80% · 1-yr

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

participation

10-yr surrender

Cap: 7.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.8% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 245% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 190% · 2-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 160% · 2-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 160% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 160% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 110% · 2-yr

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

participation

10-yr surrender

Par: 180% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 145% · 1-yr

AI Powered US Equity Index

Par: 120% · 1-yr

AI Powered Global Opportunities Index

Par: 120% · 1-yr

UBS Innovative Balanced Index

Par: 105% · 1-yr

Nasdaq FC Index

Par: 80% · 1-yr

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

Cap: 7.25% · 1-yr

S&P 500 Index

Fixed: 3.8% · 1-yr

Fixed Account

Par: 245% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 190% · 2-yr

AI Powered US Equity Index

Par: 160% · 2-yr

Nasdaq FC Index

Par: 160% · 2-yr

AI Powered Global Opportunities Index

Par: 160% · 2-yr

UBS Innovative Balanced Index

Par: 110% · 2-yr

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

Income riders

Income rider

Ascent Enhanced Income Rider - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate6.6%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Ascent Enhanced Income Rider - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate6.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Ascent Enhanced Income Rider - Level Income

RMD friendly
Lifetime withdrawal rate6%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Ascent Enhanced Income Rider - Level Income

RMD friendly
Lifetime withdrawal rate5.6%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

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

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 distinct indexed or fixed crediting choices across 28 current rate listings, including S&P 500 Index, S&P 500 FC TCA 0.50% Decrement Index (USD) ER, and Fixed Account, 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: 7.25% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 80% participation
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 110% participation

Income rider language

What to look for before treating the rider as income

Ascent Enhanced Income Rider - Earnings-Indexed Income is the main income-rider entry returned 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.

  • 6.6% withdrawal rate
  • 1% rider fee
  • RMD friendly

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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