Fixed Indexed Annuity

Athene BCA 6 2.0

Athene Annuity and Life Company

Free W/D

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 6 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.

Premium$100,000

Your age60

Crediting strategy

Compare against

$167,100

Est. value at age 80 (Athene BCA 6 2.0)

Broad-market strategies

MSCI MKT MediaStats Multi-Asset Index — 180% Participation (Strategy Fee Included · 2-yr point-to-point · 0.75% fee)

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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 6 2.0's published participation rate (180% 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 0.75% 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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Live rate data

Run live numbers for Athene BCA 6 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.

No annual cap published

A six-year, accumulation-only fixed indexed annuity from A+ rated Athene with no market value adjustment, where every index strategy on the menu — including the S&P 500 — uses a 2-year participation-rate crediting term offered in both a no-fee and a published-fee variant.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a six-year deferral who are comfortable with 2-year participation-rate crediting on every strategy rather than annual caps, want a wide menu of proprietary index options alongside an S&P 500 line from a large A+ rated carrier, and value the absence of a market value adjustment on early exits.

AM Best

A+ Superior

Surrender period

6 years

Free withdrawal

5%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

45% participation rate

Participation

2-year term · 6-year surrender · Does not vary by premium

2-year term

6-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

58% participation rate

Participation

Strategy fee: 0.75%/yr

2-year term · 6-year surrender · Does not vary by premium

2-year term

6-year surrender

Does not vary by premium

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

Product analyst notes

How to think about this contract

Why it can stand out

Every index strategy on this contract is offered in two variants on the same crediting term — one with no strategy fee and one with a published strategy fee — so a buyer who wants to pay a published fee for a higher participation rate has the lever on the same index without leaving the contract, and the no-fee version is always available alongside it for comparison.
Index menu is wide for a 6-year contract — 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, and the S&P 500 itself all appear on this page, so the buyer has multiple proprietary participation strategies to evaluate against the one recognizable S&P 500 line.
shows of premium is available on this contract, so a buyer who surrenders early can recover original principal subject to the contract's ROP terms even though the standard death benefit is cash-surrender-value only — confirm the ROP triggering conditions with the carrier before relying on it.
There is no market value adjustment on this contract, so surrenders above the published free-withdrawal allowance carry only the surrender charge for the year of exit — no additional interest-rate-driven swing on the exit amount, which is unusual on a multi-year deferred FIA.
Free-withdrawal allowance, the full six-year surrender ladder, the nursing-home, RMD, and terminal-illness waivers, and the A+ A.M. Best rating are visible directly on this page rather than gated behind a sales brochure.

What to confirm

This is an accumulation-only fixed indexed annuity. There is no optional lifetime-income rider attached in the live feed 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 six-year term, not income.
Every crediting strategy on this contract is a 2-year participation-rate term, including the S&P 500 strategy — there is no annual point-to-point cap on this menu. A 2-year participation rate is not directly comparable to the annual S&P 500 caps headlined on most other FIAs on this site, because the index move is measured over twice the window before any participation is applied; read the strategy table on this page, not a 1-year cap from a different contract.
Every index on this contract publishes a paired 'Strategy Fee Included' variant carrying a published annual fee deducted from the strategy value regardless of index performance. The higher participation on the fee-bearing variant has to outrun that drag every crediting cycle to be worth choosing over the no-fee version of the same index at the same cadence — read the fee column before reading the participation number.
Most of the non-S&P options are proprietary volatility-controlled or excess-shows indexes whose participation rates can look high in absolute terms but are not directly comparable to the S&P 500 line on the same contract — evaluate each on its own merits and its own back-tested behavior rather than the headline participation number alone.
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 an annual point-to-point cap on the S&P 500 they can compare line-for-line against other FIAs, prefer a plain MYGA-style declared rate, need shorter-than-six-year liquidity, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

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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: 250% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation