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Fixed Indexed Annuity

Athene Performance Elite 7

Athene Annuity and Life Company

8.75%

Best Cap

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.

S&P 500 annual point-to-point cap

8.75% cap on S&P 500

An accumulation-focused, A+ rated, 7-year fixed indexed annuity built around a no-fee S&P 500 annual point-to-point cap plus a wide menu of proprietary participation-rate strategies on both 1-year and 2-year crediting terms, with no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a 7-year deferral who want a recognizable no-fee S&P 500 cap alongside a wide menu of proprietary participation-rate strategies from a large carrier with A+ ratings across multiple agencies, and who are comfortable choosing between 1-year and 2-year crediting terms on the same index.

AM Best

A+ Superior

Surrender period

7 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.75% cap rate

S&P 500

S&P 500 Index

11.5% cap rate

Fixed Account

Fixed Account

4.6% 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

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap with no strategy fee, so this contract gives a buyer at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
  • The index menu is unusually wide for a 7-year contract — BNP Paribas Multi Asset Diversified 5, Nasdaq FC, AI Powered US Equity, AI Powered Global Opportunities, UBS Innovative Balanced, and an S&P 500 FC TCA Decrement index all appear on this page, so the buyer can hold the no-fee S&P cap against several volatility-controlled alternatives.
  • Most index strategies are offered in both a 1-year and a 2-year crediting term on the same contract, so a buyer who wants longer crediting windows on the same index can choose the cadence rather than the index.
  • Free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, the nursing-home waiver, and the terminal-illness waiver are visible directly on this page rather than gated behind a sales brochure.
  • Athene is A+ rated by A.M. Best and additionally rated by Fitch, Moody's, and S&P, so the carrier strength view on this page is from multiple recognized agencies rather than one.

What to confirm

  • This is an accumulation-only fixed indexed annuity. There is no optional lifetime-income rider attached in this data 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 7-year term, not income.
  • Two S&P 500 annual point-to-point caps are published on the same contract: one with no strategy fee, and a second 'Enhanced' version that carries a published strategy fee deducted regardless of index performance. The higher headline cap on the fee-bearing variant is not directly comparable to the no-fee cap at the same index and cadence — read the fee column before reading the cap number.
  • Most of the non-S&P index options are proprietary volatility-controlled or AI-driven indexes. Their participation rates can look high in absolute terms 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 rather than headline number alone.
  • Surrender lockup runs seven years with a market-value adjustment on amounts above the free-withdrawal allowance. Early exits carry both a surrender charge and interest-rate sensitivity through the MVA — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • 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 a plain MYGA-style declared rate, need short-surrender liquidity, or require an account-value-based death benefit — none of those are what this contract is built to deliver, and the higher 'Enhanced' S&P 500 cap should not be read without first noting its strategy fee.

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: 250% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

7-yr surrender

Par: 205% · 1-yr

AI Powered US Equity Index

Strategy Fee Included · participation

7-yr surrender

Par: 200% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 180% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

7-yr surrender

Par: 180% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

7-yr surrender

Par: 165% · 1-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 150% · 1-yr

Nasdaq FC Index

Strategy Fee Included · participation

7-yr surrender

Par: 145% · 1-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 145% · 1-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 120% · 1-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 117% · 1-yr

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

Strategy Fee Included · participation

7-yr surrender

Par: 92% · 1-yr

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

participation

7-yr surrender

Cap: 11.5% · 1-yr

S&P 500 Index

Strategy Fee Included · cap

7-yr surrender

Cap: 8.75% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 4.6% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 355% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included · participation

7-yr surrender

Par: 280% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

participation

7-yr surrender

Par: 270% · 2-yr

AI Powered US Equity Index

Strategy Fee Included · participation

7-yr surrender

Par: 255% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included · participation

7-yr surrender

Par: 250% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included · participation

7-yr surrender

Par: 240% · 2-yr

Nasdaq FC Index

Strategy Fee Included · participation

7-yr surrender

Par: 215% · 2-yr

AI Powered US Equity Index

participation

7-yr surrender

Par: 200% · 2-yr

AI Powered Global Opportunities Index

participation

7-yr surrender

Par: 200% · 2-yr

UBS Innovative Balanced Index

participation

7-yr surrender

Par: 190% · 2-yr

Nasdaq FC Index

participation

7-yr surrender

Par: 160% · 2-yr

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

Strategy Fee Included · participation

7-yr surrender

Par: 128% · 2-yr

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

participation

7-yr surrender

Par: 250% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 205% · 1-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 200% · 1-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 180% · 1-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 180% · 1-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 165% · 1-yr

AI Powered US Equity Index

Par: 150% · 1-yr

Nasdaq FC Index

Strategy Fee Included

Par: 145% · 1-yr

AI Powered Global Opportunities Index

Par: 145% · 1-yr

UBS Innovative Balanced Index

Par: 120% · 1-yr

Nasdaq FC Index

Par: 117% · 1-yr

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

Strategy Fee Included

Par: 92% · 1-yr

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

Cap: 11.5% · 1-yr

S&P 500 Index

Strategy Fee Included

Cap: 8.75% · 1-yr

S&P 500 Index

Fixed: 4.6% · 1-yr

Fixed Account

Par: 355% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Strategy Fee Included

Par: 280% · 2-yr

BNP Paribas Multi Asset Diversified 5 Index

Par: 270% · 2-yr

AI Powered US Equity Index

Strategy Fee Included

Par: 255% · 2-yr

AI Powered Global Opportunities Index

Strategy Fee Included

Par: 250% · 2-yr

UBS Innovative Balanced Index

Strategy Fee Included

Par: 240% · 2-yr

Nasdaq FC Index

Strategy Fee Included

Par: 215% · 2-yr

AI Powered US Equity Index

Par: 200% · 2-yr

AI Powered Global Opportunities Index

Par: 200% · 2-yr

UBS Innovative Balanced Index

Par: 190% · 2-yr

Nasdaq FC Index

Par: 160% · 2-yr

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

Strategy Fee Included

Par: 128% · 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

2

Nursing home waiver, Terminal illness waiver

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

9%

Yr 2

8.8%

Yr 3

7.9%

Yr 4

6.9%

Yr 5

5.9%

Yr 6

5%

Yr 7

4%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Athene Performance Elite 10 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 7 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: 8.75% cap
  • S&P 500 Index: 11.5% cap
  • S&P 500 FC TCA 0.50% Decrement Index (USD) ER: 92% 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
  • 7 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 10 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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