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Fixed Indexed Annuity

Athene BCA 6 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.

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

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

45% participation rate

S&P 500

S&P 500 Index

58% participation rate

+ 12 volatility-controlled index 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.
  • Return 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-return 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.

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: 250% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation

6-yr surrender

Par: 225% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included · participation

6-yr surrender

Par: 215% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included · participation

6-yr surrender

Par: 200% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included · participation

6-yr surrender

Par: 195% · 2-yr

RAFI Harvey GS Index

participation

6-yr surrender

Par: 180% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

participation

6-yr surrender

Par: 180% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included · participation

6-yr surrender

Par: 170% · 2-yr

Shiller Barclays Global Index

participation

6-yr surrender

Par: 160% · 2-yr

WisdomTree Siegel Strategic Value Index

participation

6-yr surrender

Par: 140% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

participation

6-yr surrender

Par: 110% · 2-yr

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

Strategy Fee Included · participation

6-yr surrender

Par: 95% · 2-yr

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

participation

6-yr surrender

Par: 58% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

6-yr surrender

Par: 45% · 2-yr

S&P 500 Index

participation

6-yr surrender

Par: 250% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included

Par: 225% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included

Par: 215% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included

Par: 200% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included

Par: 195% · 2-yr

RAFI Harvey GS Index

Par: 180% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Par: 180% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included

Par: 170% · 2-yr

Shiller Barclays Global Index

Par: 160% · 2-yr

WisdomTree Siegel Strategic Value Index

Par: 140% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Par: 110% · 2-yr

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

Strategy Fee Included

Par: 95% · 2-yr

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

Par: 58% · 2-yr

S&P 500 Index

Strategy Fee Included

Par: 45% · 2-yr

S&P 500 Index

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

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

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%

After

0%

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

Documents

product guide

83148-BCA6-2.0-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 6 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: 45% participation
  • S&P 500 Index: 58% participation
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 95% participation

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
  • 6 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 83148-BCA6-2.0-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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