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Fixed Indexed Annuity

Athene BCA 10 2.0

Athene Annuity and Life Company

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5%

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 BCA 10 2.0 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
$166,513
Est. value at age 80 (Athene BCA 10 2.0)
2
Broad-market strategies
MSCI MKT MediaStats Multi-Asset Index — 190% Participation (Strategy Fee Included · 2-yr point-to-point · 0.95% fee)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down index year credits 0% before the annual strategy fee; fees can reduce account value. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Athene BCA 10 2.0's published participation rate (190% on MSCI MKT MediaStats Multi-Asset Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years; 2-year credits are applied only at completed term anniversaries. Net growth deducts the 0.95% annual strategy fee listed for this strategy. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how Athene BCA 10 2.0 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 BCA 10 2.0

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.

GLWB lifetime payout rate

3.75% lifetime payout + 4.5% roll-up

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 feeAdvisorWorld + 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

5%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

48% participation rate

Participation

2-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

63% participation rate

Participation

Strategy fee: 0.95%/yr

2-year term · 10-year surrender · Does not vary by premium

+ 12 additional crediting options (Shiller Barclays, WisdomTree Siegel, MSCI MKT...)

Lifetime Income Riders

Income rider

BALIR Flex Growth - Income

Lifetime payout rate3.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier2x interest multiplier

Income rider

BALIR SGO Max - Income

Lifetime payout rate3.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier100% interest multiplier

Income rider

BALIR Flex Growth - Inflation-Indexed Income

Lifetime payout rate2.9% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier2x interest multiplier

Income rider

BALIR SGO Max - Inflation-Indexed Income

Lifetime payout rate2.9% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier100% interest multiplier

Income rider

BALIR Flex Growth - Earnings-Indexed Income

Lifetime payout rate2.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier2x interest multiplier

Income rider

BALIR SGO Max - Earnings-Indexed Income

Lifetime payout rate2.75% lifetime payout
Annual rider fee1% annual rider fee
Guaranteed roll-up4.5%/yr
Interest multiplier100% interest multiplier

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 option.

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.

Free Comparison Report

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See how Athene BCA 10 2.0 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: 265% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 240% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 230% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 215% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 210% · 2-yr

RAFI Harvey GS Index

participation

10-yr surrenderDoes not vary by premium

Par: 190% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

participation

10-yr surrenderDoes not vary by premium

Par: 190% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 180% · 2-yr

Shiller Barclays Global Index

participation

10-yr surrenderDoes not vary by premium

Par: 170% · 2-yr

WisdomTree Siegel Strategic Value Index

participation

10-yr surrenderDoes not vary by premium

Par: 150% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

participation

10-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

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

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 100% · 2-yr

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

participation

10-yr surrenderDoes not vary by premium

Par: 63% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 48% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Income riders

Income rider

BALIR Flex Growth - Level Income

Lifetime withdrawal rate3.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Income rider

BALIR Flex Growth - Earnings-Indexed Income

Lifetime withdrawal rate2.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Income rider

BALIR Flex Growth - Inflation-Indexed Income

Lifetime withdrawal rate2.9%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier2× multiplier
Deferral assumed10 years

GLWB

Income rider

BALIR SGO Max - Earnings-Indexed Income

Lifetime withdrawal rate2.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier100% multiplier
Deferral assumed10 years

GLWB

Income rider

BALIR SGO Max - Inflation-Indexed Income

Lifetime withdrawal rate2.9%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier100% multiplier
Deferral assumed10 years

GLWB

Income rider

BALIR SGO Max - Level Income

Lifetime withdrawal rate3.75%
Annual rider fee1%
Guaranteed roll-up4.5%/yr
Income multiplier100% multiplier
Deferral assumed10 years

GLWB

Common questions about Athene BCA 10 2.0

● Can I lose money in Athene BCA 10 2.0?

A negative index return by itself does not reduce the contract's account value: Athene BCA 10 2.0 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 5% 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 BALIR Flex Growth - 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 4.5% roll-up and 3.75% 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 5% of your account value each year is penalty-free. The scheduled surrender charges run 10 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 BCA 10 2.0's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene BCA 10 2.0 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

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.

Participation-rate floor

5.00%

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

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 indexed or fixed crediting options, including S&P 500 Index, 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: 48% 2-year participation rate
  • S&P 500 Index: 63% 2-year participation rate, Fee-bearing option, 0.95% annual strategy fee

Income rider language

What to look for before treating the rider as income

BALIR Flex Growth - 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.

  • 3.75% 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.

  • 5%/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

Free Comparison Report

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See how Athene BCA 10 2.0 compares for your age, state, premium, and income goals alongside other Athene Annuity and Life Company fixed indexed annuity options.

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