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Fixed Indexed Annuity

Athene Aviator 10

Athene Annuity and Life Company

9.75%

Best Cap

10%

Free W/D

49

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

9.75% cap on S&P 500

An accumulation-focused, A+-rated, ten-year fixed indexed annuity from Athene built around a recognizable S&P 500 annual point-to-point cap plus a broad lineup of participation-rate strategies on proprietary volatility-controlled indexes at 1-year, 2-year, and 5-year crediting cadences, with no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a ten-year deferral who want the cleanest like-for-like S&P 500 cap as one allocation alongside a wide menu of proprietary volatility-controlled participation-rate strategies from a large carrier with A+ ratings across multiple agencies, and who are comfortable choosing among 1-year, 2-year, and 5-year crediting cadences on the same indexes.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.75% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

73% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.05% declared rate

Rate varies by premium band.

Fixed Account

Fixed Account

140% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

180% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

290% participation rate

Rate varies by premium band.

+ 9 volatility-controlled index options (VT, Invesco QQQ, BofA Multi-Asset...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap with no published strategy fee, so this contract gives a buyer at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
  • The proprietary index lineup is broad for a ten-year contract — an S&P 500 FC VT TCA Decrement Index, the Invesco QQQ FC Index, and the BofA Multi-Asset FC Index all appear on this page, each offered in 1-year, 2-year, and 5-year point-to-point cadences, so a buyer can hold the recognizable S&P cap against several volatility-controlled alternatives at multiple crediting windows.
  • A blended fixed-rate plus index-participation option is also available at 1-year, 2-year, and 5-year crediting terms, so a buyer who wants a hybrid allocation inside one strategy bucket rather than splitting premium across the fixed account and an index strategy has that as a built-in choice on this contract.
  • 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.
  • Athene is A+ rated by A.M. Best and additionally rated by Fitch, Moody's, and S&P, so the carrier-strength view on this page is corroborated by multiple recognized agencies rather than one.

What to confirm

  • This is an accumulation-only fixed indexed annuity. There is no optional lifetime-income rider attached in this data and no built-in Protected Income Value chassis, so do not buy this contract for a guaranteed lifetime withdrawal — its job is index-linked growth over the ten-year term, not income.
  • Most of the published crediting strategies are participation rates on proprietary volatility-controlled excess-return indexes. Their participation rates can look high in absolute terms but are not directly comparable to a recognizable S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself — evaluate each strategy on its own index methodology, not on participation rate alone.
  • A 5-year point-to-point S&P 500 strategy is also offered alongside the 1-year cap. The 5-year option publishes a participation rate rather than a cap and credits only at the end of the five-year window — it is a longer-cadence, no-cap bet on the S&P, not a richer version of the 1-year cap, and the two are not directly comparable.
  • Surrender lockup runs ten years with a charge that starts in the double digits in year one and steps down across the schedule, plus 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.
  • The standard 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 GLWB rider, want a plain MYGA-style declared rate, need short-surrender liquidity, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (30 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

S&P 500 FC 7% VT TCA 0.50% Decrement Index (ER)(USD)

participation

10-yr surrender$100,000+

Par: 140% · 1-yr

Invesco QQQ FC 7 Index

participation

10-yr surrender$100,000+

Par: 140% · 1-yr

BofA Multi-Asset FC 7 Index

participation

10-yr surrender$100,000+

Par: 140% · 1-yr

Fixed Account

unknown

10-yr surrender$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Fixed: 4.05% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 180% · 2-yr

S&P 500 FC 7% VT TCA 0.50% Decrement Index (ER)(USD)

participation

10-yr surrender$100,000+

Par: 180% · 2-yr

Invesco QQQ FC 7 Index

participation

10-yr surrender$100,000+

Par: 180% · 2-yr

BofA Multi-Asset FC 7 Index

participation

10-yr surrender$100,000+

Par: 180% · 2-yr

Fixed Account

unknown

10-yr surrender$100,000+

Par: 290% · 5-yr

S&P 500 FC 7% VT TCA 0.50% Decrement Index (ER)(USD)

participation

10-yr surrender$100,000+

Par: 290% · 5-yr

Invesco QQQ FC 7 Index

participation

10-yr surrender$100,000+

Par: 290% · 5-yr

BofA Multi-Asset FC 7 Index

participation

10-yr surrender$100,000+

Par: 290% · 5-yr

Fixed Account

unknown

10-yr surrender$100,000+

Par: 73% · 5-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Par: 140% · 1-yr

S&P 500 FC 7% VT TCA 0.50% Decrement Index (ER)(USD)

$100,000+

Par: 140% · 1-yr

Invesco QQQ FC 7 Index

$100,000+

Par: 140% · 1-yr

BofA Multi-Asset FC 7 Index

$100,000+

Par: 140% · 1-yr

Fixed Account

$100,000+

Cap: 9.75% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.05% · 1-yr

Fixed Account

$100,000+

Par: 180% · 2-yr

S&P 500 FC 7% VT TCA 0.50% Decrement Index (ER)(USD)

$100,000+

Par: 180% · 2-yr

Invesco QQQ FC 7 Index

$100,000+

Par: 180% · 2-yr

BofA Multi-Asset FC 7 Index

$100,000+

Par: 180% · 2-yr

Fixed Account

$100,000+

Par: 290% · 5-yr

S&P 500 FC 7% VT TCA 0.50% Decrement Index (ER)(USD)

$100,000+

Par: 290% · 5-yr

Invesco QQQ FC 7 Index

$100,000+

Par: 290% · 5-yr

BofA Multi-Asset FC 7 Index

$100,000+

Par: 290% · 5-yr

Fixed Account

$100,000+

Par: 73% · 5-yr

S&P 500 Index

$100,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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: 1.00%

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

10%

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

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

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 Aviator 10 currently shows 12 distinct indexed or fixed crediting choices across 24 current rate listings, including S&P 500 Index and Fixed Account, with 9 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: 9.75% cap
  • S&P 500 Index: 73% participation
  • Fixed Account: 4.05% fixed

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

This page uses the current structured product data returned for the contract. 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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