Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Athene Ascent Pro 10 Bonus

Athene Annuity and Life Company

5.5%

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

5.5% cap on S&P 500

A ten-year-surrender, A+ rated fixed indexed annuity from Athene built around a premium bonus with multi-year vesting, a recognizable S&P 500 annual point-to-point cap, and a broad menu of proprietary participation-rate strategies — with no published income-rider rates on this filing despite the catalog's income-eligible flag.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to the full ten-year surrender who want a premium bonus credited at issue, recognizable S&P 500 cap exposure alongside a wide menu of proprietary participation-rate strategies, and a top-tier-rated carrier — and who plan to ride out the bonus vesting schedule rather than exit early.

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

5.5% cap rate

Fixed Account

Fixed Account

2.85% declared rate

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

Lifetime Income Riders

Income rider

Ascent Enhanced Income Rider - Accelerated Income Period

RMD friendly
Lifetime payout rate8.65% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Carrier financial-strength is rated by four independent agencies on this page — A.M. Best A+, Fitch A+, Standard & Poor's A+, and Moody's A1 are all visible directly in the live feed, so the strength view is not a single-source read.
  • A premium bonus is credited to the account value at issue, which lifts the day-one value above the contributed premium for buyers willing to commit to the full ten-year surrender term.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, giving a buyer at least one like-for-like comparison point against other FIAs on this site rather than only proprietary participation strategies.
  • The proprietary index lineup is unusually broad — BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and S&P 500 FC TCA Decrement all appear on this page, each at both a 1-year and a 2-year crediting cadence, so a buyer has multiple volatility-controlled options to evaluate against the S&P cap.
  • Free-withdrawal allowance, the full ten-year surrender ladder, the market-value-adjustment flag, the nursing-home waiver, and the terminal-illness waiver are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • The premium bonus is subject to a multi-year vesting schedule and is not fully vested at issue — the live feed shows zero vested bonus through the early contract years and gradual vesting only in the later years of the surrender term. A buyer who exits before vesting completes will forfeit the unvested portion of the bonus on top of any surrender charge, so the headline bonus number is not the amount a buyer keeps on an early exit.
  • This is NOT a guaranteed-lifetime-withdrawal product on the data published here. The catalog flags this filing as income-eligible, but the live feed returns no income-rider payout rates on this contract — do not compare its income story side-by-side with a rider-led FIA using only what is on this page, and ask the carrier directly for any income illustration before relying on one.
  • Surrender lockup runs ten years with a market-value adjustment on amounts above the free-withdrawal allowance. This is a long-deferral commitment with interest-rate sensitivity on early exits — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • Most of the index options are proprietary volatility-controlled or excess-return indexes. Their participation rates can look high in absolute terms — sometimes above one-to-one — 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 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.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a published GLWB rider, want short-surrender liquidity, expect the full premium bonus to be available on an early exit, or require an account-value-based or rolled-up death benefit — none of those are what this contract is built to deliver, and the 'Bonus' in the name should not be read as a day-one walk-away credit.

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: 140% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 112% · 1-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 95% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 95% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 80% · 1-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 62% · 1-yr

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

participation

10-yr surrender

Cap: 5.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.85% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 190% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 150% · 2-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 130% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 130% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 120% · 2-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 83% · 2-yr

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

participation

10-yr surrender

Par: 140% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 112% · 1-yr

AI Powered US Equity Index

Par: 95% · 1-yr

AI Powered Global Opportunities Index

Par: 95% · 1-yr

UBS Innovative Balanced Index

Par: 80% · 1-yr

Nasdaq FC Index

Par: 62% · 1-yr

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

Cap: 5.5% · 1-yr

S&P 500 Index

Fixed: 2.85% · 1-yr

Fixed Account

Par: 190% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 150% · 2-yr

AI Powered US Equity Index

Par: 130% · 2-yr

AI Powered Global Opportunities Index

Par: 130% · 2-yr

UBS Innovative Balanced Index

Par: 120% · 2-yr

Nasdaq FC Index

Par: 83% · 2-yr

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

Income riders

Income rider

Ascent Enhanced Income Rider - Accelerated Income Period

RMD friendly
Lifetime withdrawal rate8.65%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed10 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

Premium bonus

10%

Bonus terms can vary by state, premium band, and rider election.

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): 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

8.3%

Yr 2

8%

Yr 3

7.1%

Yr 4

6.2%

Yr 5

5.3%

Yr 6

4.4%

Yr 7

3.5%

Yr 8

2.6%

Yr 9

1.6%

Yr 10

0.9%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

65179.pdf

Confidence: highReviewed Apr 5, 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 Bonus 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: 5.5% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 62% participation
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 83% participation

Income rider language

What to look for before treating the rider as income

Ascent Enhanced Income Rider - Accelerated Income Period 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.

  • 8.65% withdrawal rate
  • 1% rider fee
  • 10 deferral years
  • 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 65179.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

Get a personalized Athene Ascent Pro 10 Bonus illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources