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Fixed Indexed Annuity

Athene Performance Elite 15

Athene Annuity and Life Company

7%

Best Cap

5%

Free W/D

34

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 cap rate

7% cap on S&P 500

A fifteen-year, accumulation-only fixed indexed annuity from a four-agency-rated carrier, pairing a recognizable S&P 500 cap option with a broad lineup of proprietary participation-rate strategies in both 1-year and 2-year cadences, and a large premium bonus that vests on a back-end schedule beginning in year twelve.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who can commit to a fifteen-year deferral, want a recognizable S&P 500 cap option alongside a broad menu of proprietary participation-rate strategies from a large multi-agency-rated carrier, and intend to hold the contract through the back-end bonus vesting schedule rather than surrender early.

AM Best

A+ Superior

Surrender period

15 years

Free withdrawal

5%/yr

Availability

34 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

7% cap rate

S&P 500

S&P 500 Index

9.5% cap rate

Fixed Account

Fixed Account

3.7% 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

  • Carrier financial strength is published by four agencies — A.M. Best A+, Fitch A+, Moody's A1, and Standard & Poor's A+ all appear on this page, so the strength view is multi-sourced rather than single-agency.
  • Crediting menu pairs a recognizable S&P 500 annual point-to-point cap with a broad lineup of proprietary participation-rate indexes — BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and S&P 500 FC Decrement — so a buyer can hold a like-for-like S&P comparison alongside several volatility-controlled strategies in the same contract.
  • Most index strategies are offered in both a 1-year and a 2-year crediting cadence, and most are also offered in a no-fee version and a higher-rate 'Strategy Fee Included' version, so a buyer can choose the crediting cadence and the fee posture that fits their plan rather than being locked into one mechanic.
  • Free-withdrawal allowance, the full fifteen-year surrender ladder, the no-MVA flag, the nursing-home waiver, and the terminal-illness waiver are all visible directly on this page rather than gated behind a sales brochure.
  • Contract publishes guaranteed minimum rates on the page — a minimum cap, a minimum guaranteed fixed-account interest rate, and a minimum participation rate — so a buyer can see the floor the carrier is contractually bound to honor at renewal if current rates are cut, instead of relying only on today's posted rates.

What to confirm

  • Surrender lockup runs a full fifteen years — the longest surrender term in Athene's current Performance Elite lineup and longer than most accumulation FIAs on this site. The first-year surrender charge is steep and the schedule does not finish stepping down until year fifteen, so this contract assumes the buyer can leave the principal locked beyond the free-withdrawal allowance for the duration of the schedule.
  • The contract carries a large headline premium bonus, but vesting does not begin until year twelve and finishes in year sixteen — past the end of the surrender schedule. A buyer who surrenders before vesting begins loses the entire bonus, and a buyer who surrenders mid-vesting loses the unvested portion — confirm the recapture math with the carrier and treat the bonus as recoverable only if you hold the contract through the full surrender period plus the vesting tail.
  • This is NOT a guaranteed-lifetime-withdrawal product. The live feed shows no income riders attached — Performance Elite 15 is built for accumulation, not guaranteed lifetime withdrawals. A buyer who needs a contractually guaranteed lifetime payout should look at a rider-led product instead.
  • Several index options are proprietary volatility-controlled excess-return indexes. Their participation rates can look high in absolute terms — particularly on the 2-year strategies — but are not directly comparable to an S&P 500 cap, and several have shorter live-track histories than the S&P 500 itself. Evaluate each on its own merits.
  • Several strategies are sold as 'Strategy Fee Included' versions with a higher cap or participation rate. The strategy fee is deducted from the account value regardless of index performance, so the higher headline rate is not free — read the fee column on the strategy table before reading the rate.
  • State availability is narrower for this 15-year contract than for the 7-year and 10-year siblings in the Performance Elite lineup — confirm filing in the state of issue before assuming this contract is offered. The standard death benefit also pays cash surrender value rather than account value or a rolled-up income base, so heirs receive what a buyer would receive on a non-penalty surrender.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want short-surrender liquidity, expect to surrender before the bonus vesting begins, prefer a simple MYGA-style declared rate, or require an account-value-based death benefit — none of those are what this contract is structured 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: 215% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

15-yr surrender

Par: 170% · 1-yr

AI Powered US Equity Index

Strategy Fee Included · participation

15-yr surrender

Par: 165% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

15-yr surrender

Par: 155% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

15-yr surrender

Par: 155% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

15-yr surrender

Par: 130% · 1-yr

AI Powered US Equity Index

participation

15-yr surrender

Par: 127% · 1-yr

Nasdaq FC Index

Strategy Fee Included · participation

15-yr surrender

Par: 120% · 1-yr

AI Powered Global Opportunities Index

participation

15-yr surrender

Par: 120% · 1-yr

UBS Innovative Balanced Index

participation

15-yr surrender

Par: 97% · 1-yr

Nasdaq FC Index

participation

15-yr surrender

Par: 97% · 1-yr

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

Strategy Fee Included · participation

15-yr surrender

Par: 75% · 1-yr

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

participation

15-yr surrender

Cap: 9.5% · 1-yr

S&P 500 Index

Strategy Fee Included · cap

15-yr surrender

Cap: 7% · 1-yr

S&P 500 Index

cap

15-yr surrender

Fixed: 3.7% · 1-yr

Fixed Account

fixed

15-yr surrender

Par: 300% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

15-yr surrender

Par: 230% · 2-yr

AI Powered US Equity Index

Strategy Fee Included · participation

15-yr surrender

Par: 225% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

15-yr surrender

Par: 210% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

15-yr surrender

Par: 210% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

15-yr surrender

Par: 200% · 2-yr

Nasdaq FC Index

Strategy Fee Included · participation

15-yr surrender

Par: 175% · 2-yr

AI Powered US Equity Index

participation

15-yr surrender

Par: 160% · 2-yr

AI Powered Global Opportunities Index

participation

15-yr surrender

Par: 160% · 2-yr

UBS Innovative Balanced Index

participation

15-yr surrender

Par: 150% · 2-yr

Nasdaq FC Index

participation

15-yr surrender

Par: 135% · 2-yr

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

Strategy Fee Included · participation

15-yr surrender

Par: 100% · 2-yr

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

participation

15-yr surrender

Par: 215% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 170% · 1-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 165% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 155% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 155% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 130% · 1-yr

AI Powered US Equity Index

Par: 127% · 1-yr

Nasdaq FC Index

Strategy Fee Included

Par: 120% · 1-yr

AI Powered Global Opportunities Index

Par: 120% · 1-yr

UBS Innovative Balanced Index

Par: 97% · 1-yr

Nasdaq FC Index

Par: 97% · 1-yr

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

Strategy Fee Included

Par: 75% · 1-yr

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

Cap: 9.5% · 1-yr

S&P 500 Index

Strategy Fee Included

Cap: 7% · 1-yr

S&P 500 Index

Fixed: 3.7% · 1-yr

Fixed Account

Par: 300% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 230% · 2-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 225% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 210% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 210% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 200% · 2-yr

Nasdaq FC Index

Strategy Fee Included

Par: 175% · 2-yr

AI Powered US Equity Index

Par: 160% · 2-yr

AI Powered Global Opportunities Index

Par: 160% · 2-yr

UBS Innovative Balanced Index

Par: 150% · 2-yr

Nasdaq FC Index

Par: 135% · 2-yr

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

Strategy Fee Included

Par: 100% · 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

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Premium bonus

27%

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

15%

Yr 2

15%

Yr 3

14%

Yr 4

14%

Yr 5

13%

Yr 6

13%

Yr 7

12%

Yr 8

11%

Yr 9

10%

Yr 10

9%

Yr 11

8%

Yr 12

7%

Yr 13

6%

Yr 14

5%

Yr 15

4%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene Performance Elite 15 brochure pdf.pdf

Confidence: highReviewed Apr 14, 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 15 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: 7% cap
  • S&P 500 Index: 9.5% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 75% 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.

  • 5%/yr free withdrawal
  • 15 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Athene Performance Elite 15 brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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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