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Fixed Indexed Annuity

Athene Ascent Pro 7

Athene Annuity and Life Company

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6.75%

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 7 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
$270,300
Est. value at age 80 (Athene Ascent Pro 7)
6.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 6.75% 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 7's published cap rate (6.75% 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 7 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 7

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 cap rate

6.75% cap on S&P 500

A seven-year-surrender fixed indexed annuity from an A-rated Athene chassis, built around a one-year S&P 500 cap, a one-year fixed-account strategy, and a broad menu of two-year participation-rate strategies on proprietary volatility-controlled indexes — no premium bonus, and no lifetime-income rider rates published on this page.

1-year term7-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a shorter seven-year deferral than the ten-year retail-FIA norm, value a one-year S&P 500 cap as a like-for-like comparison point, and are comfortable choosing among two-year participation strategies on proprietary volatility-controlled indexes from an A-rated carrier.

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

6.75% cap rate

Annual cap

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3.7% declared rate

Fixed account

1-year term · 7-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 rate6.85% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up10%/yr

Income rider

Ascent Enhanced Income Rider - Earnings-Indexed Income

Lifetime payout rate4.75% 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

  • Athene Annuity and Life is rated by four independent agencies — A.M. Best (Superior), Fitch (Strong), Moody's (Good), and Standard & Poor's (Strong) — so the carrier-strength view on this page is not a single-source read.
  • The seven-year surrender term is shorter than the ten-year deferral common on many bonus-rich retail FIAs, which trims the renewal-rate window a buyer is committed to ride out.
  • The crediting menu includes a one-year point-to-point cap on the S&P 500, giving a buyer at least one like-for-like comparison point against other FIAs on this site rather than only proprietary participation strategies.
  • A one-year fixed-account strategy is offered alongside the index strategies, so a buyer can allocate part of the premium to a declared-rate bucket without leaving the contract.
  • The free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, and both waivers (nursing home and terminal illness) are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • The live data currently shows no income rider for this product. The carrier publishes a separate optional lifetime-income rider for the Ascent family, but its rates are not on this page — do not assume a guaranteed lifetime withdrawal rate from this contract based on what is shown here.
  • Most of the index options are two-year point-to-point participation strategies on proprietary volatility-controlled indexes (BNP Paribas, Nasdaq, AI Powered, UBS). Participation rates on these strategies can look high in absolute terms but are not directly comparable to an S&P 500 annual cap, and the two-year crediting cadence delays index recovery after a down period.
  • The surrender schedule runs seven years with a market-value adjustment on amounts above the free-withdrawal allowance. This is a multi-year deferral commitment with interest-rate sensitivity on early exits — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • There is no premium bonus and no return-of-premium guarantee on this contract — features that commission-paid bonus FIAs often include. Buyers comparing this to a bonus FIA should weigh the absence explicitly.
  • The standard death benefit pays cash surrender value, with no rollup 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.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate (the income-rider rates are not on this page), want a premium bonus to offset deferral, expect a death-benefit rollup beyond cash surrender value, or need an annual point-to-point cap on every index option rather than a two-year participation cadence on most of them.

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See how Athene Ascent Pro 7 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: 170% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrenderDoes not vary by premium

Par: 135% · 1-yr

AI Powered US Equity Index

participation

7-yr surrenderDoes not vary by premium

Par: 115% · 1-yr

AI Powered Global Opportunities Index

participation

7-yr surrenderDoes not vary by premium

Par: 115% · 1-yr

UBS Innovative Balanced Index

participation

7-yr surrenderDoes not vary by premium

Par: 100% · 1-yr

Nasdaq FC Index

participation

7-yr surrenderDoes not vary by premium

Par: 75% · 1-yr

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

participation

7-yr surrenderDoes not vary by premium

Cap: 6.75% · 1-yr

S&P 500 Index

cap

7-yr surrenderDoes not vary by premium

Fixed: 3.7% · 1-yr

Fixed Account

fixed

7-yr surrenderDoes not vary by premium

Par: 230% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

AI Powered US Equity Index

participation

7-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

AI Powered Global Opportunities Index

participation

7-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

UBS Innovative Balanced Index

participation

7-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

Nasdaq FC Index

participation

7-yr surrenderDoes not vary by premium

Par: 105% · 2-yr

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

participation

7-yr surrenderDoes not vary by premium

Income riders

Income rider

Ascent Enhanced Income Rider - Level Income

Lifetime withdrawal rate6.85%
Annual rider fee1%
Guaranteed roll-up10%/yr
Deferral assumed10 years

GLWB

Income rider

Ascent Enhanced Income Rider - Earnings-Indexed Income

Lifetime withdrawal rate4.75%
Annual rider fee1%
Guaranteed roll-up10%/yr
Deferral assumed10 years

GLWB

Linked review

Athene Ascent Pro 7 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 7

● Can I lose money in Athene Ascent Pro 7?

A negative index return by itself does not reduce the contract's account value: Athene Ascent Pro 7 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 6.85% 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 7 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 7's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene Ascent Pro 7 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

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

65177.pdf

Confidence: highReviewed Apr 5, 2026

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

brochure

Athene - Ascent Pro 7 Fixed Indexed Annuity - Brochure (65002).pdf.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 7 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: 6.75% annual cap
  • Fixed Account: 3.7% 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.

  • 6.85% 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
  • 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 65177.pdf and Athene - Ascent Pro 7 Fixed Indexed Annuity - Brochure (65002).pdf.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 7 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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