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Fixed Indexed Annuity

Athene BCA 8 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

An 8-year-surrender fixed indexed annuity from an A+ rated carrier whose entire crediting menu runs on 2-year participation-rate strategies — one recognizable S&P 500 sleeve plus six proprietary multi-asset and volatility-controlled indexes, each offered in a no-fee and a fee-included variant.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers comfortable with an 8-year deferral and a 2-year crediting cadence who want recognizable S&P 500 participation alongside a broad menu of proprietary multi-asset index sleeves from a large A+ rated carrier, and who plan to evaluate the no-fee vs fee-included trade-off on each strategy.

AM Best

A+ Superior

Surrender period

8 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

47% participation rate

S&P 500

S&P 500 Index

62% participation rate

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

Lifetime Income Riders

Income rider

BALIR SGO Max - Income

RMD friendly
Lifetime payout rate5.1% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR Flex Growth - 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 rate4.4% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR Flex Growth - Inflation-Indexed Income

RMD friendly
Lifetime payout rate3.9% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime payout rate3.9% lifetime payout
Annual rider fee1% annual rider fee

Income rider

BALIR SGO Max - Inflation-Indexed Income

RMD friendly
Lifetime payout rate3.9% lifetime payout
Annual rider fee1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Issued by an A+ AM Best carrier that is also A+ at Fitch, A+ at Standard & Poor's, and A1 at Moody's, so every major rating agency view on the carrier is shown on this page rather than only one.
  • Index menu pairs a recognizable S&P 500 sleeve with six proprietary multi-asset and volatility-controlled indexes (Shiller Barclays CAPE Allocator 6, Shiller Barclays Global, WisdomTree Siegel Strategic Value, MSCI MediaStats Multi-Asset, RAFI Harvey GS, S&P 500 Distance Stabilizer TCA), so a buyer can hold the S&P 500 alongside several distinct proprietary strategies inside one contract.
  • Every index sleeve is offered as both a no-fee variant and a higher-participation 'Strategy Fee Included' variant, so the buyer can pick whether to pay an explicit strategy fee in exchange for a higher participation rate on the same index — the trade-off is visible directly on the strategy table.
  • Surrender is 8 years with no market-value adjustment on this filing — the published charge ladder declines each year and is fully visible on this page rather than gated behind a sales brochure.
  • Nursing-home, RMD, and terminal-illness waivers are all attached to the surrender schedule, so the most common life-event exits are penalty-free even during the surrender period.
  • Filed in 50 jurisdictions (every US state except New York, plus DC), so availability is not a blocking factor outside of New York.

What to confirm

  • Every index strategy on this contract credits on a 2-year cadence — there is no annual point-to-point option in the data. A participation rate that looks competitive at a single number is being earned over two full years before it credits, which is materially different from an annual-crediting comparable on another carrier's contract.
  • There are no cap rates published anywhere in the strategy menu — every sleeve uses a participation rate as its rate mechanic. Side-by-side comparisons against cap-driven FIAs on this site are not like-for-like and should be evaluated on each index's own historical behavior, not the headline percent.
  • Six of the seven index options are proprietary volatility-controlled or multi-asset indexes rather than a plain equity benchmark. Their participation rates can look high in absolute terms but are not directly comparable to the S&P 500 sleeve at the same number — read each index's published methodology before relying on the participation rate alone.
  • The 'Strategy Fee Included' variants carry an explicit annual strategy fee that is deducted regardless of whether the index credits anything in the 2-year period — a higher participation rate on a fee-bearing strategy is not a free upgrade and can underperform the no-fee variant in flat or negative index outcomes. Read the published fee on the strategy table before reading the higher participation number.
  • No optional GLWB income rider is attached in this data — the carrier flags this product family as income-capable through annuitization, but there is no published lifetime withdrawal rate to compare against rider-led income products. Do not read the brand name as a guaranteed-lifetime-income promise without confirming with the carrier.
  • Death benefit is plain cash-surrender value with no roll-up or step-up — 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 annual cap-rate crediting on a single equity index, need short-surrender liquidity, or require an account-value-based death benefit — none of those match the way this contract is built.

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: 260% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation

8-yr surrender

Par: 235% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included · participation

8-yr surrender

Par: 225% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included · participation

8-yr surrender

Par: 210% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included · participation

8-yr surrender

Par: 205% · 2-yr

RAFI Harvey GS Index

participation

8-yr surrender

Par: 185% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

participation

8-yr surrender

Par: 185% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included · participation

8-yr surrender

Par: 175% · 2-yr

Shiller Barclays Global Index

participation

8-yr surrender

Par: 165% · 2-yr

WisdomTree Siegel Strategic Value Index

participation

8-yr surrender

Par: 145% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

participation

8-yr surrender

Par: 112% · 2-yr

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

Strategy Fee Included · participation

8-yr surrender

Par: 97% · 2-yr

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

participation

8-yr surrender

Par: 62% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

8-yr surrender

Par: 47% · 2-yr

S&P 500 Index

participation

8-yr surrender

Par: 260% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included

Par: 235% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included

Par: 225% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included

Par: 210% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included

Par: 205% · 2-yr

RAFI Harvey GS Index

Par: 185% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Par: 185% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included

Par: 175% · 2-yr

Shiller Barclays Global Index

Par: 165% · 2-yr

WisdomTree Siegel Strategic Value Index

Par: 145% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Par: 112% · 2-yr

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

Strategy Fee Included

Par: 97% · 2-yr

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

Par: 62% · 2-yr

S&P 500 Index

Strategy Fee Included

Par: 47% · 2-yr

S&P 500 Index

Income riders

Income rider

BALIR SGO Max - Level Income

RMD friendly
Lifetime withdrawal rate5.1%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Level Income

RMD friendly
Lifetime withdrawal rate5.1%
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 rate4.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Level 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 rate4.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - 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 Flex Growth - Level Income

RMD friendly
Lifetime withdrawal rate4.1%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Level Income

RMD friendly
Lifetime withdrawal rate4.1%
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 rate3.9%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate3.9%
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 rate3.9%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate3.9%
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 rate3.9%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Inflation-Indexed Income

RMD friendly
Lifetime withdrawal rate3.9%
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 rate3.6%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - Level Income

RMD friendly
Lifetime withdrawal rate3.6%
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 — 80
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 rate3.4%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - 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 - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
Joint availabilityJoint life

GLWB

Income rider

BALIR SGO Max - 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 Flex Growth - Earnings-Indexed Income

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider fee1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 80
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

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%

Yr 3

8.2%

Yr 4

7.2%

Yr 5

6.2%

Yr 6

5.2%

Yr 7

4.2%

Yr 8

3%

After

0%

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

Documents

product guide

83149-BCA8-2.0-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 8 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: 47% participation
  • S&P 500 Index: 62% participation
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 97% participation

Income rider language

What to look for before treating the rider as income

BALIR SGO Max - Level 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.

  • 5.1% 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
  • 8 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 83149-BCA8-2.0-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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