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Fixed Indexed Annuity

Athene Performance Elite 10 Plus

Athene Annuity and Life Company

5.5%

Best Cap

20%

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.

S&P 500 annual point-to-point cap

5.5% cap on S&P 500

A ten-year, A+-rated bonus FIA from Athene that credits an up-front premium bonus subject to a vesting schedule running through year eleven, with a crediting menu that pairs a recognizable no-fee S&P 500 annual point-to-point cap against a broad lineup of participation-rate strategies on proprietary indexes — each offered in both a no-fee and a fee-bearing form.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers comfortable with a ten-year deferral from an A+-rated carrier who want the working leverage of an up-front premium bonus on day one, plan to hold the contract through the full term so the bonus actually vests, and want both the recognizable no-fee S&P 500 cap and the broader participation-rate lineup as separate allocation buckets inside the same contract.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

20%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.5% cap rate

S&P 500

S&P 500 Index

8% cap rate

Fixed Account

Fixed Account

2.9% declared rate

+ 24 volatility-controlled index options (BNP Paribas, Nasdaq FC, AI Powered...)

Product analyst notes

How to think about this contract

Why it can stand out

  • An up-front premium bonus is credited to the account value at issue, so the working balance that participates in index crediting on day one is meaningfully larger than the premium itself — a real lever on long-term accumulation that the non-bonus 'Performance Elite 10' filing in the same family does not offer.
  • The crediting menu pairs a recognizable, no-fee S&P 500 annual point-to-point cap with a broad lineup of participation-rate strategies on the BNP Paribas Multi Asset Diversified 5 Index, the Nasdaq FC Index, the AI Powered US Equity Index, the AI Powered Global Opportunities Index, the UBS Innovative Balanced Index, and the S&P 500 FC TCA Decrement Index — so a buyer gets both a like-for-like comparison point and a wide volatility-controlled lineup inside one contract.
  • Every index strategy is offered in two parallel forms — a no-fee version and a 'Strategy Fee Included' version that publishes a higher cap or participation rate on the identical index — so a buyer who is willing to pay an explicit strategy fee in exchange for richer crediting terms can hold both versions of the same index inside the same contract and compare them directly.
  • Two-year point-to-point options are available on the same proprietary indexes alongside the one-year strategies, so a buyer who prefers a longer crediting window for higher published participation can hold both cadences on the same index lineup inside this contract.
  • Athene Annuity and Life is A+ rated by A.M. Best, A+ by Fitch, A+ by Standard & Poor's, and A1 by Moody's, so the carrier-strength view on this page is corroborated by all four major rating agencies rather than a single one.
  • Both qualified and non-qualified funding are supported, ownership can be single, joint, trust, or corporate, and both single- and joint-life annuitization are available — the structural availability is broad for a bonus FIA.

What to confirm

  • The premium bonus is NOT vested at issue and is NOT vested at any point during the ten-year surrender period. The API publishes a vesting schedule in which the bonus stays fully unvested for the first six contract years, then steps up in equal increments from year seven through year eleven — meaning a buyer who exits at any point during the surrender ladder forfeits the entire bonus, and full vesting is only reached one year after the surrender period itself ends. Read the vesting column before treating the bonus as money in hand; it is a deferred credit aligned with full term, not an instant one.
  • The S&P 500 annual point-to-point strategy is offered in two parallel versions on this contract — a no-fee version and a 'Strategy Fee Included' version that publishes a higher cap on the identical index. The fee-bearing cap looks richer than the no-fee cap in absolute terms but is paid for with a strategy fee deducted regardless of index performance and is not directly comparable to a no-fee cap at the same headline rate. Compare against other FIAs using the no-fee cap, not the fee-bearing one.
  • Most of the published crediting strategies are proprietary volatility-controlled or excess-return indexes whose participation rates can look high in absolute terms but are not directly comparable to an S&P 500 cap, and several have short live-track histories. Evaluate each strategy on its own index methodology, not on participation rate alone.
  • Surrender lockup runs the full ten years with a charge that starts in the high single digits in year one and steps down across the schedule. This is a long-deferral commitment, and combined with a bonus that does not begin vesting until year seven, the effective economic lockup is the full term — confirm the surrender schedule and the bonus vesting schedule against your liquidity plan before committing premium.
  • The standard death benefit 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, given both the surrender ladder and the bonus vesting schedule, can be materially lower than an account-value death benefit on a competing contract during the surrender years.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from an income rider, expect any portion of the premium bonus to be vested during the surrender years, need short-surrender liquidity, want an account-value or rolled-up death benefit, or want to use the higher fee-bearing caps as a direct comparison against no-fee caps on competing FIAs — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (54 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: 185% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

10-yr surrender

Par: 150% · 1-yr

AI Powered US Equity Index

Strategy Fee Included · participation

10-yr surrender

Par: 135% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

10-yr surrender

Par: 135% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

10-yr surrender

Par: 130% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 110% · 1-yr

Nasdaq FC Index

Strategy Fee Included · participation

10-yr surrender

Par: 107% · 1-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 95% · 1-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 95% · 1-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 85% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included · participation

10-yr surrender

Par: 77% · 1-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 60% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender

Cap: 8% · 1-yr

S&P 500 Index

Strategy Fee Included · cap

10-yr surrender

Cap: 5.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.9% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 255% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

10-yr surrender

Par: 195% · 2-yr

AI Powered US Equity Index

Strategy Fee Included · participation

10-yr surrender

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

10-yr surrender

Par: 180% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

10-yr surrender

Par: 180% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

10-yr surrender

Par: 170% · 2-yr

Nasdaq FC Index

Strategy Fee Included · participation

10-yr surrender

Par: 140% · 2-yr

AI Powered US Equity Index

participation

10-yr surrender

Par: 125% · 2-yr

AI Powered Global Opportunities Index

participation

10-yr surrender

Par: 125% · 2-yr

UBS Innovative Balanced Index

participation

10-yr surrender

Par: 120% · 2-yr

Nasdaq FC Index

participation

10-yr surrender

Par: 115% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included · participation

10-yr surrender

Par: 80% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

participation

10-yr surrender

Par: 185% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 150% · 1-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 135% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 135% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 130% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 110% · 1-yr

Nasdaq FC Index

Strategy Fee Included

Par: 107% · 1-yr

AI Powered US Equity Index

Par: 95% · 1-yr

AI Powered Global Opportunities Index

Par: 95% · 1-yr

UBS Innovative Balanced Index

Par: 85% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included

Par: 77% · 1-yr

Nasdaq FC Index

Par: 60% · 1-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Cap: 8% · 1-yr

S&P 500 Index

Strategy Fee Included

Cap: 5.5% · 1-yr

S&P 500 Index

Fixed: 2.9% · 1-yr

Fixed Account

Par: 255% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 195% · 2-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 180% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 180% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 180% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 170% · 2-yr

Nasdaq FC Index

Strategy Fee Included

Par: 140% · 2-yr

AI Powered US Equity Index

Par: 125% · 2-yr

AI Powered Global Opportunities Index

Par: 125% · 2-yr

UBS Innovative Balanced Index

Par: 120% · 2-yr

Nasdaq FC Index

Par: 115% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

Strategy Fee Included

Par: 80% · 2-yr

S&P 500 FC TCA 0.50% Decrement Index (USD) ER

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

10%/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

Premium bonus

26%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 0.50%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.25%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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

8.3%

Yr 2

8%

Yr 3

7.1%

Yr 4

6.2%

Yr 5

5.3%

Yr 6

4.4%

Yr 7

3.5%

Yr 8

2.6%

Yr 9

1.6%

Yr 10

0.9%

After

0%

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

Documents

brochure

68000.pdf

Confidence: highReviewed Apr 2, 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 Performance Elite 10 Plus currently shows 27 distinct indexed or fixed crediting choices across 54 current rate listings, including S&P 500 Index and S&P 500 FC TCA 0.50% Decrement Index (USD) ER, with 20 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: 5.5% cap
  • S&P 500 Index: 8% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 60% 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.

  • 20%/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 68000.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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