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Fixed Indexed Annuity

Athene Ascent Pro 7

Athene Annuity and Life Company

6.75%

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

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 termAdvisorWorld + 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

Fixed Account

Fixed Account

3.7% 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 rate5.1% lifetime payout
Annual rider fee1% annual rider fee

Income rider

Ascent Enhanced Income Rider - Income

RMD friendly
Lifetime payout rate4.6% lifetime payout
Annual rider fee1% annual rider fee

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 income-rider data on the AW public endpoint is empty 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.

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: 170% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 135% · 1-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 115% · 1-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 115% · 1-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 100% · 1-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 75% · 1-yr

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

participation

7-yr surrender

Cap: 6.75% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 3.7% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 230% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 180% · 2-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 155% · 2-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 155% · 2-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 150% · 2-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 105% · 2-yr

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

participation

7-yr surrender

Par: 170% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 135% · 1-yr

AI Powered US Equity Index

Par: 115% · 1-yr

AI Powered Global Opportunities Index

Par: 115% · 1-yr

UBS Innovative Balanced Index

Par: 100% · 1-yr

Nasdaq FC Index

Par: 75% · 1-yr

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

Cap: 6.75% · 1-yr

S&P 500 Index

Fixed: 3.7% · 1-yr

Fixed Account

Par: 230% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 180% · 2-yr

AI Powered US Equity Index

Par: 155% · 2-yr

AI Powered Global Opportunities Index

Par: 155% · 2-yr

UBS Innovative Balanced Index

Par: 150% · 2-yr

Nasdaq FC Index

Par: 105% · 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 rate5.1%
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 rate4.6%
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 rate4.3%
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 rate3.8%
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

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 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: 6.75% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 75% participation
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 105% 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.

  • 5.1% 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
  • 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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