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Fixed Indexed Annuity

Athene Velocity

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.

GLWB lifetime payout rate

6.01% lifetime payout

A ten-year, A+ rated fixed indexed annuity built for retirement income through an optional named GLWB rider that pays a higher lifetime rate the longer a buyer defers, paired with a participation-rate accumulation menu across the S&P 500 and six proprietary indexes.

RMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Retirement-income buyers willing to defer roughly a decade in exchange for a higher published GLWB lifetime withdrawal rate from a large A+ rated carrier, with RMD-friendly mechanics for qualified money and a willingness to accept proprietary volatility-controlled indexes on the accumulation side.

AM Best

A+ Superior

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

45% participation rate

S&P 500

S&P 500 Index

58% participation rate

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

Lifetime Income Riders

Income rider

Athene Velocity Income Rider

RMD friendly
Lifetime payout rate6.01% lifetime payout

Product analyst notes

How to think about this contract

Why it can stand out

  • Optional Athene Velocity Income Rider is a named GLWB with a published lifetime withdrawal rate that steps up by deferral length, so a buyer evaluating income can read the rider rate directly off this page rather than waiting on a carrier illustration.
  • GLWB is marked RMD-friendly, which matters for qualified retirement money where required minimum distributions would otherwise complicate a lifetime-withdrawal schedule.
  • Athene is A+ rated by A.M. Best, so the carrier strength view on this page is from a recognized agency at one of the higher rating bands in the FIA market.
  • Crediting menu spans seven distinct indexes — including the S&P 500 — so an accumulation-minded buyer can split allocations across a recognizable broad-market index and several proprietary volatility-controlled designs inside one contract.

What to confirm

  • Every index strategy on this contract is a participation-rate design on a 2-year calculation cycle — there is no annual point-to-point cap on the S&P 500 to ground a like-for-like accumulation comparison against shorter-cycle FIAs on this site.
  • Half of the strategies are 'Strategy Fee Included' variants that carry a published annual fee deducted regardless of index performance. The higher participation rate on a fee-bearing strategy is not directly comparable to the same index without the fee — read the fee column on the strategy table before reading the participation number.
  • Surrender lockup runs ten years and starts at a high first-year charge that steps down slowly. The GLWB rider only reaches its top published payout rate after a ten-year deferral, so an early-income buyer gives up both rate and liquidity.
  • 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 want a recognizable S&P 500 annual cap as the accumulation benchmark, need short-surrender liquidity, plan to turn on income immediately at full rate, want a plain MYGA-style declared rate without a rider, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

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: 250% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included · participation

10-yr surrender

Par: 225% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included · participation

10-yr surrender

Par: 215% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included · participation

10-yr surrender

Par: 200% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included · participation

10-yr surrender

Par: 195% · 2-yr

RAFI Harvey GS Index

participation

10-yr surrender

Par: 180% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

participation

10-yr surrender

Par: 180% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included · participation

10-yr surrender

Par: 170% · 2-yr

Shiller Barclays Global Index

participation

10-yr surrender

Par: 160% · 2-yr

WisdomTree Siegel Strategic Value Index

participation

10-yr surrender

Par: 140% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

participation

10-yr surrender

Par: 110% · 2-yr

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

Strategy Fee Included · participation

10-yr surrender

Par: 95% · 2-yr

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

participation

10-yr surrender

Par: 58% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 45% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 250% · 2-yr

RAFI Harvey GS Index

Strategy Fee Included

Par: 225% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Strategy Fee Included

Par: 215% · 2-yr

Shiller Barclays Global Index

Strategy Fee Included

Par: 200% · 2-yr

WisdomTree Siegel Strategic Value Index

Strategy Fee Included

Par: 195% · 2-yr

RAFI Harvey GS Index

Par: 180% · 2-yr

Shiller Barclays CAPE Allocator 6 Index

Par: 180% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Strategy Fee Included

Par: 170% · 2-yr

Shiller Barclays Global Index

Par: 160% · 2-yr

WisdomTree Siegel Strategic Value Index

Par: 140% · 2-yr

MSCI MKT MediaStats Multi-Asset Index

Par: 110% · 2-yr

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

Strategy Fee Included

Par: 95% · 2-yr

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

Par: 58% · 2-yr

S&P 500 Index

Strategy Fee Included

Par: 45% · 2-yr

S&P 500 Index

Income riders

Income rider

Athene Velocity Income Rider

RMD friendly
Lifetime withdrawal rate6.01%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Athene Velocity Income Rider

RMD friendly
Lifetime withdrawal rate4%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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

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

9.2%

Yr 3

8.2%

Yr 4

7.2%

Yr 5

6.2%

Yr 6

5.2%

Yr 7

4.2%

Yr 8

3.1%

Yr 9

2.1%

Yr 10

1%

After

0%

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

Documents

product guide

Athene - Velocity Fixed Indexed Annuity - Brochure (87000).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 Velocity 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: 45% participation
  • S&P 500 Index: 58% participation
  • S&P 500 Distance Stabilizer TCA Index (USD) ER: 95% participation

Income rider language

What to look for before treating the rider as income

Athene Velocity Income Rider 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.

  • 6.01% withdrawal rate
  • RMD friendly

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
  • 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 Athene - Velocity Fixed Indexed Annuity - Brochure (87000).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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