Registered index-linked annuity
Athene Amplify 3.0
Athene's expanded Amplify RILA with buffered protection and a mix of fee-free and fee-included segments.
Buffer
100%
Protection terms vary by segment and do not make the contract principal-protected.
RILA contracts can offer index-linked upside with a stated buffer, floor, or downside participation rule. They can still lose value under market and contract conditions, and they are not MYGA-style fixed-rate guarantees.
Product data status: July 16, 2026
Source: AdvisorWorld public product detail from CANNEX. Rates vary by state, premium band, issue age, index segment, and crediting term. RILA buffers, floors, downside participation, caps, participation rates, fixed rates, and spreads are separate point-in-time contract mechanics; they can change and are not guaranteed yields. Educational only; not advice, a quote, or a carrier-approved illustration. Confirm the current prospectus, state-approved contract version, and carrier materials before purchase. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured.
How this product works
How the 100% buffer works
For buffer segments, the insurer absorbs the first 100% of a linked-index loss for that segment term. If the index falls by more than the buffer, the contract loses value by the amount beyond it. These are forms of limited downside protection, not principal protection.
Because this is an SEC-registered product, compare the current prospectus, contract, segment term, crediting limit, fees, and surrender rules before purchase.
Downside-aware simulator
Test an index segment outcome
Principal is not protected. This educational one-segment scenario can gain or lose value and is not a carrier illustration.
Starting value
$100,000
Segment return
-5.00%
Ending value
$94,098
Buffer: credited loss = min(0, index return + buffer). Floor: credited loss = max(index return, −floor). Upside participation is applied before any cap; an annual strategy fee is compounded across the listed segment term.
Buffer
100%
S&P 500 Index · 1-year term · Strategy Fee Included · Annual
Downside buffer for the listed index-linked segment; losses beyond the buffer can still apply.
Cap
120%
Nasdaq-100 Index · 6-year term · Strategy Fee Included · 6-year crediting
Crediting cap for the listed index-linked segment; actual crediting depends on index performance and contract terms.
State coverage
48
Available jurisdictions
Availability should be confirmed for the client's state and contract version.
Best current strategy by index and term
Scenario: $100,000 premium, issue age 60, Texas unless state-restricted. Source: AdvisorWorld CANNEX RILA detail. Information current as of July 16, 2026.
Fixed Account
1-year term · Fixed account
Protection
Not shown
Fixed
3%
Index not shown
6-year term · Buffer strategy
Buffer
10%
Cap
100%
MSCI EAFE Index
1-year term · Strategy Fee Included · Point-to-point
Buffer
10%
Participation
100%
0.95% strategy fee
MSCI EAFE Index
1-year term · Point-to-point
Buffer
10%
Cap
18.5%
MSCI EAFE Index
2-year term · Strategy Fee Included · Point-to-point · Best of 2 available options
Buffer
10%
Participation
130%
0.95% strategy fee
Nasdaq-100 Index
1-year term · Strategy Fee Included · Point-to-point · Best of 6 available options
Buffer
10%
Cap
26%
0.95% strategy fee
Nasdaq-100 Index
2-year term · Strategy Fee Included · Point-to-point · Best of 4 available options
Buffer
10%
Cap
80%
0.95% strategy fee
Nasdaq-100 Index
6-year term · Strategy Fee Included · Point-to-point · Best of 2 available options
Buffer
10%
Participation
110%
0.95% strategy fee
Nasdaq-100 Index
6-year term · Strategy Fee Included · Point-to-point · Best of 6 available options
Buffer
30%
Cap
120%
0.95% strategy fee
Russell 2000 Index
1-year term · Strategy Fee Included · Point-to-point · Best of 2 available options
Buffer
10%
Cap
35%
0.95% strategy fee
Russell 2000 Index
2-year term · Strategy Fee Included · Point-to-point
Buffer
10%
Participation
107%
0.95% strategy fee
Russell 2000 Index
2-year term · Point-to-point
Buffer
10%
Cap
70%
S&P 500 Index
1-year term · Strategy Fee Included · Point-to-point · Best of 8 available options
Buffer
10%
Cap
25.5%
0.95% strategy fee
S&P 500 Index
1-year term · Performance trigger · Best of 3 available options
Buffer
10%
Trigger rate
11%
S&P 500 Index
2-year term · Point-to-point · Best of 3 available options
Buffer
10%
Cap
50%
S&P 500 Index
2-year term · Strategy Fee Included · Point-to-point
Buffer
10%
Participation
110%
0.95% strategy fee
S&P 500 Index
6-year term · Strategy Fee Included · Point-to-point · Best of 8 available options
Buffer
1%
Participation
130%
0.95% strategy fee
S&P 500 Index
6-year term · Strategy Fee Included · Point-to-point · Best of 4 available options
Buffer
100%
Cap
90%
0.95% strategy fee
S&P 500 Index
6-year term · Dual Trigger Segment · Trigger strategy · Best of 3 available options
Buffer
10%
Trigger rate
54%
Strategy Fee Included
6-year term · Strategy Fee Included · Buffer strategy
Buffer
10%
Participation
105%
0.95% strategy fee
What stands out
- • A broad segment menu combines annual and multi-year structures with buffered downside protection.
- • Both conventional point-to-point and dual-direction or trigger-style designs are represented.
- • Fee-included and fee-free choices are distinguishable in the live strategy detail.
What to watch
- • The product can lose value when index losses exceed the selected protection.
- • Fee-bearing and fee-free options are not directly comparable; review the charge on the exact segment selected.
- • Availability and segment economics vary by state, and some large-state jurisdictions are absent from this contract version.
Who it may fit
Buyers who want a broad protected-market segment menu and are prepared to compare each segment's fee and downside terms.
Who should look elsewhere
Buyers seeking a fixed annuity guarantee, full downside protection, or simple set-and-forget renewal economics.
Liquidity
Free withdrawal: 10%/yr
Surrender periods shown: 6
Premium range
Minimum: Not shown
Maximum: Not shown
Documents
No carrier documents are currently available for this product.
Surrender schedule
Carrier ratings
AM Best: A+ — Superior
S&P: A+ — Strong
Moody's: A1 — Good
S&P: A+ — Strong
Prospectus and documents
This is an SEC-registered product. Read the current prospectus and state-approved contract for segment rules, fees, withdrawals, and surrender terms.
RILA questions
Can this product lose value?
Yes. Principal is not protected; linked segments can lose value when negative index performance exceeds the selected protection or under other contract terms.
How are a buffer and floor different?
A buffer absorbs the first stated portion of a loss and passes through the excess. A floor caps the segment loss at the stated amount.
What limits positive returns?
Depending on the segment, a cap, participation rate, spread, strategy fee, or combination can limit credited upside.
Structured product 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 DB
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
0.50%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
0.25%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.70%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
100.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.