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Fixed Indexed Annuity

Athene BCA 8 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 8 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
$163,584
Est. value at age 80 (Athene BCA 8 2.0)
2
Broad-market strategies
MSCI MKT MediaStats Multi-Asset Index — 185% 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 8 2.0's published participation rate (185% 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 8 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 8 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

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

5%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

47% participation rate

Participation

2-year term · 8-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

62% participation rate

Participation

Strategy fee: 0.95%/yr

2-year term · 8-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

  • 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 contract — 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.

Free Comparison Report

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See how Athene BCA 8 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: 260% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation

8-yr surrenderDoes not vary by premium

Par: 235% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included · participation

8-yr surrenderDoes not vary by premium

Par: 225% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included · participation

8-yr surrenderDoes not vary by premium

Par: 210% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included · participation

8-yr surrenderDoes not vary by premium

Par: 205% · 2-yr

RAFI Harvey GS Index

participation

8-yr surrenderDoes not vary by premium

Par: 185% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

participation

8-yr surrenderDoes not vary by premium

Par: 185% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included · participation

8-yr surrenderDoes not vary by premium

Par: 175% · 2-yr

Shiller Barclays Global Index

participation

8-yr surrenderDoes not vary by premium

Par: 165% · 2-yr

WisdomTree Siegel Strategic Value Index

participation

8-yr surrenderDoes not vary by premium

Par: 145% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

participation

8-yr surrenderDoes not vary by premium

Par: 112% · 2-yr

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

Strategy Fee Included · participation

8-yr surrenderDoes not vary by premium

Par: 97% · 2-yr

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

participation

8-yr surrenderDoes not vary by premium

Par: 62% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

8-yr surrenderDoes not vary by premium

Par: 47% · 2-yr

S&P 500 Index

participation

8-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 8 2.0

● Can I lose money in Athene BCA 8 2.0?

A negative index return by itself does not reduce the contract's account value: Athene BCA 8 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 8 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 8 2.0's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Athene BCA 8 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%

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 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: 47% 2-year participation rate
  • S&P 500 Index: 62% 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
  • 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

Free Comparison Report

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See how Athene BCA 8 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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