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Fixed Indexed Annuity

Athene BCA 10 2.0

Athene Annuity and Life Company

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.

GLWB lifetime payout rate

4.5% lifetime payout

An A+ rated, ten-year-surrender fixed indexed annuity from Athene that pairs an optional GLWB lifetime-income rider with a fee-or-no-fee accumulation menu of 2-year point-to-point participation strategies across a mix of proprietary indexes.

1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a published GLWB lifetime withdrawal rate they can compare side-by-side with other rider-led income offers, who are committing to a ten-year deferral, and who are comfortable with 2-year point-to-point crediting and proprietary volatility-controlled indexes from a large A+ rated carrier.

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

48% participation rate

S&P 500

S&P 500 Index

63% participation rate

+ 12 volatility-controlled index options (Shiller Barclays, WisdomTree Siegel, MSCI MKT...)

Lifetime Income Riders

Income rider

BALIR Flex Growth - Inflation-Indexed Income

RMD friendly
Lifetime payout rate4.5% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime payout rate4.4% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR SGO Max - Earnings-Indexed Income

RMD friendly
Lifetime payout rate4.25% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR SGO Max - Income

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

Income rider

BALIR Flex Growth - Income

RMD friendly
Lifetime payout rate3.5% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR SGO Max - Inflation-Indexed Income

RMD friendly
Lifetime payout rate3.25% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • An optional GLWB income rider is published on this contract, so a buyer evaluating lifetime-income offers can compare its lifetime withdrawal rate side-by-side with rider-led products from other carriers using only what is on this page.
  • The rider includes a guaranteed compound roll-up on the withdrawal base during deferral and a one-time premium-based income bonus credited to the base at issue, so two distinct mechanisms grow the income amount before withdrawals begin.
  • Joint-life payouts and RMD-friendly withdrawals are both available on the income rider, which matters for married buyers and for qualified retirement money that must satisfy required minimum distributions.
  • The accumulation menu offers two cost variants of every index strategy on the same contract — a no-fee version and a 'Strategy Fee Included' version that pays a higher participation rate in exchange for an annual strategy charge — so a buyer can match cost structure to conviction on each index.
  • Athene Annuity and Life Company is A+ rated by A.M. Best, the higher of the agency's two top investment-grade tiers, so carrier strength on this page is from a recognized agency at a high mark.
  • Free-withdrawal allowance, the full surrender ladder, and the nursing-home, terminal-illness, and RMD waivers are visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • Every accumulation strategy on this contract credits on a 2-year point-to-point cycle, not the annual cycle most fixed indexed annuities use. A buyer who expects to see crediting at each contract anniversary will instead see it every other year — confirm the crediting cadence with the carrier before assuming year-by-year growth.
  • There is no S&P 500 annual point-to-point cap on this contract — the S&P 500 strategy here is a 2-year participation-rate option. The participation rate on a multi-year cycle is not directly comparable to the annual S&P 500 cap rates quoted on most other FIAs on this site.
  • The income rider carries an annual fee charged on the withdrawal base, not on the account value. Effective drag on the contract can run higher than the headline fee suggests as the withdrawal base grows above the account value over time — read the rider fee in the context of the roll-up rate, not the deposit.
  • Most accumulation strategies use proprietary volatility-controlled or excess-return indexes (Shiller Barclays CAPE Allocator 6, Shiller Barclays Global, WisdomTree Siegel Strategic Value, MSCI MKT MediaStats Multi-Asset, RAFI Harvey GS, S&P 500 Distance Stabilizer TCA ER). 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.
  • Surrender lockup runs ten years with no market-value adjustment listed in this data. The death benefit pays cash surrender value, not account value or a rolled-up income base, so heirs receive what a buyer would receive on a non-penalty surrender rather than an enhanced amount.
  • The 'Strategy Fee Included' variants charge an annual strategy fee deducted regardless of index performance. A higher participation rate on a fee-bearing variant is not directly comparable to a no-fee variant at the same headline rate — read the fee column alongside the participation number on every strategy row.

Not ideal for

Buyers who want an annual S&P 500 cap to headline against, who need annual-cycle crediting, who want a plain MYGA-style declared rate without a rider, who need an account-value-based or roll-up death benefit, or who need short-surrender liquidity — 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: 265% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation

10-yr surrender

Par: 240% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included · participation

10-yr surrender

Par: 230% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included · participation

10-yr surrender

Par: 215% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included · participation

10-yr surrender

Par: 210% · 2-yr

RAFI Harvey GS Index

participation

10-yr surrender

Par: 190% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

participation

10-yr surrender

Par: 190% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 180% · 2-yr

Shiller Barclays Global Index

participation

10-yr surrender

Par: 170% · 2-yr

WisdomTree Siegel Strategic Value Index

participation

10-yr surrender

Par: 150% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

participation

10-yr surrender

Par: 115% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Strategy Fee Included · participation

10-yr surrender

Par: 100% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

participation

10-yr surrender

Par: 63% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 48% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 265% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included

Par: 240% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included

Par: 230% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included

Par: 215% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included

Par: 210% · 2-yr

RAFI Harvey GS Index

Par: 190% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Par: 190% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included

Par: 180% · 2-yr

Shiller Barclays Global Index

Par: 170% · 2-yr

WisdomTree Siegel Strategic Value Index

Par: 150% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Par: 115% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Strategy Fee Included

Par: 100% · 2-yr

S&P 500 Distance Stabilizer TCA Index (USD) ER

Par: 63% · 2-yr

S&P 500 Index

Strategy Fee Included

Par: 48% · 2-yr

S&P 500 Index

Income riders

Income rider

BALIR Flex Growth - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate4.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate4.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate4.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate4.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate4.25%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate4.25%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Level Income

RMD friendly
Lifetime withdrawal rate4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Level Income

RMD friendly
Lifetime withdrawal rate4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Level Income

RMD friendly
Lifetime withdrawal rate3.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Level Income

RMD friendly
Lifetime withdrawal rate3.5%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate3.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate3.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate3.25%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate3.25%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Level Income

RMD friendly
Lifetime withdrawal rate3%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Level Income

RMD friendly
Lifetime withdrawal rate3%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate2.75%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate2.75%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate2%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate2%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Level Income

RMD friendly
Lifetime withdrawal rate1.75%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 78
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Level Income

RMD friendly
Lifetime withdrawal rate1.75%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120
Joint availabilityJoint life

GLWB

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Death Benefit - CV

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed participation: 5.00%

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

9.6%

Yr 2

9.2%

Yr 3

8.2%

Yr 4

7.2%

Yr 5

6.2%

Yr 6

5.2%

Yr 7

4.2%

Yr 8

3.1%

Yr 9

2.1%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

83150-BCA10-2.0-Additional-Product-Insert.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 BCA 10 2.0 currently shows 14 distinct indexed or fixed crediting choices across 28 current rate listings, including S&P 500 Index and S&P 500 Distance Stabilizer TCA Index (USD) ER, 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: 48% participation
  • S&P 500 Index: 63% participation
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 100% participation

Income rider language

What to look for before treating the rider as income

BALIR Flex Growth - Inflation-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.

  • 4.5% withdrawal rate
  • 1% rider fee
  • RMD friendly
  • Joint life availability

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
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as 83150-BCA10-2.0-Additional-Product-Insert.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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