The Balanced Choice annuity series by Athene offer a balanced allocation strategy that put a key focus on flexibility and growth. and the index earned 10%, a return of 6% would be credited. Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (excluding NY) and D.C., and Athene Annuity & Life Assurance Company of New York (68039), headquartered in Pearl River, NY, and issuing annuities in New York, are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. The premium bonus step-up rates vary from state to state, and some of them drop or change after a certain period of time, so be sure to ask your financial advisor when the rates will change. 2 A Balanced Approach Balanced Allocation Strategy The changes in the IES are tracked every day as the Balanced Allocation Value (BAV). For more information, please see the Key Terms and Deinitions and the BCA 2.0 Rate Sheet. Please chec Athene Connect or ithdrawal charge schedule on BCA Elevate 8, BCA Elevate 8S, BCA Elevate 10, BCA Elevate 10F and BCA Elevate 12. . Other optional rider charges are taken monthly from the Accumulation Value and MGCV, in applicable states. Athene Annuity & Life Company 7700 Mills Civic Parkway West Des Moines, Iowa 50266 Policyholders: (888) 266-8489 Agents: (888) 266-8489 Financial Strength A.M. Best: "A" (Superior) S&P: A Fitch: A Are Annuities FDIC Insured? Athene USA is an Iowa-domiciled corporation that serves as the U.S. holding company for Athene's annuity operations in the United States. Athene Annuity and Life Company 7700 Mills Civic Parkway West Des Moines, IA 50266-3862 Tel: 1-888-266-8489 (888-ANNUITY) www.athene.com ATHENE Benefit 10SMAnnuity ATHENE Benefit 10 with Enhanced Benefits Rider Lock In Positive Performance. Available for an additional charge, Flex Growth provides three powerful ways to grow future lifetime income: An 10% Income Base Bonus immediately increases the Income Base, which is used to determine future lifetime income. Insurance products may not be available in all states. Athene Balanced Choice Annuity Elevate uses hypothetical illustrations for their returns based on backtesting, and because this is such a new product, there's no way to really know how the indexes will perform in real time. For more information, please see the Key Terms and Definitions and the Athene Velocity Rate Sheet. It differs from accumulation value, which reflects interest that has already been credited to the contract. This annuity also offers optional additional benefits, such as 4% Death Benefit Rollup with 0.50% annual fee, Balanced Allocation Lifetime Income Rider (BALIR) with 0.85% annual fee and 10% Premium Bonus option with 0.85% annual fee. Also, don't forget . One of the things we really like is the Athene Agility 10 offers annual and two-year annual reset options: #1. The Level 10 Balanced Choice annuity has a ten year surrender period - so it should definitely be considered as a longer-term financial endeavor. The 6.74% BCA Net 2-year Annualized Return reflects an Average Annual Strategy Charge of 0.90% by selecting the WisdomTree Siegel Strategic Value Index with 40 % of your premium allocated to the No Annual Strategy Charge strategy and 60 % allocated to the 1.50% Annual Strategy . 147 %. Athene USA 7700 Mills Civic Parkway West Des Moines, IA 50266 Call: 888-ANNUITY (888-266-8489) 8:00 a.m. - 5:00 p.m. CT, Monday - Friday Fax: 866-709-3922 IndividualsProfessionalsInvestors Institutions Institutions The institutional channel includes reinsurance and group annuity contracts related to pension group annuities. The Balanced Allocation Value provides a daily valuation of the potential growth through each term. 1. Fixed annuities are not FDIC insured, but they have similar protections for your money. At the end of every two-year term, Interest Earnings, if any, are locked in and cannot be lost due to negative index performance. Balanced Allocation Strategy 10Charges may include Withdrawal Charges, Premium Bonus Recapture Charges, and Market Value Adjustments, if applicable. It's available for ages 0-76 (0-64 in FL). The annuity contract has a formula that decides how much of the gain of an index you receive. Essentially, it can be tracked daily to show the potential interest an annuity can earn. Balanced allocation value is a measurement associated with some fixed indexed annuities. 2 4.5% Annual Roll-up provides guaranteed Income Base growth at a 4.5% compounding annual rate for up to 18 years. The Athene Agility 10 is a fixed index annuity with a 10-year contract term. The BalancedAllocation Annuity is a single premium indexed deferred annuity that has been developed specifically to be an integral part of a sound, long-term retirement plan and to help turn your vision of retirement into a reality by offering: The guarantees and security you need for your retirement savings; 1 Financial strength ratings for Athene Annuity & Life Assurance Company, Athene Annuity and Life Company, Athene Annuity & Life Assurance Company of New York and Athene Life Re Ltd. S&P, Fitch, A.M. Best's and Moody's credit ratings reflect their assessment of the relative ability of an insurer to meet its ongoing insurance policy and . 60 % Annual Strategy Charge. An 10% Income Base Bonus immediately increases the Income Base, which is used to determine future lifetime income. Headquartered in West Des Moines, Iowa, Athene USA serves customers in all 50 states, and through its predecessor companies, has been serving American consumers for more than 100 years. The Balanced Allocation Lifetime Income Rider [ANNIR (04/15)] or state You receive some of the upside and none of the downside. This material is provided by Athene Annuity and Life Company (61689) headquartered in West Des Moines, Iowa, which issues annuities in 49 states (excluding . For example, if the participation rate is 80% and the index increases 9%, the return credited to the annuity would be 7.2% (9% x 80% = 7.2%). The Balanced Allocation Strategy provides your retirement savings the opportunity for long-term accumulation without all of the downside risks associated with investing directly in the stock market. The changes in the IES are tracked every day as the Balanced Allocation Value (BAV). "I will show you a client's statement who earned 14% without risk." This is misleading because over the product term you are likely to earn 2-4% per year. Annual Strategy Rider Charges are taken out of the Accumulation Value monthly, if applicable. . Athene BCA 10 2.0 is a single-premium fixed indexed annuity that combines growth opportunities and protection from downside market risk. 2 Guaranteed 4.5% Annual Increases to Your Income Base credited daily throughout each policy year. See the BPASelect Annuity 12 product insert for information regarding the minimum allocations and rates. In addition, the Athene Agility 10 allows free withdrawals of 10% per year based either the initial premium or the account value, whereas the 222 annuity from Allianz only allows you to take out up to 10% based on the initial premium. But, if you annex the optional death benefit plan for an additional 0.20% fee will join it. Issued by Athene Annuity and ife Company, est es Moines, IA. Annuity contracts and group annuity contracts are issued by Athene Annuity and Life Company (61689), West Des Moines, IA, and Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware, in all states (except New York), and in D.C. and PR. The first is a 1.25% product fee, as well as a 0.64% to 0.72% variable option fee. 1 Financial strength ratings for Athene Annuity & Life Assurance Company, Athene Annuity and Life Company, Athene Annuity & Life Assurance Company of New York and Athene Life Re Ltd. S&P, Fitch, A.M. Best's and Moody's credit ratings reflect their assessment of the relative ability of an insurer to meet its ongoing insurance policy and contract obligations. Over time, there can be a significant difference between these two figures. As a solution for individuals planning for or already in retirement, BCA 10 2.0 can help you: Grow your retirement savings based on positive changes in a selected Index Earning Strategy (IES) or strategies over a . Balanced Allocation Strategy. Start Your Free Annuity Quote Written By Two Year Point to Point It has a participation rate and a capped index crediting strategies as well as a fixed-interest option. This material is provided by Athene Annuity and Life Company (61689) headquartered in West Des Moines, Iowa, which issues annuities in 49 states (excluding . . Annual Point to Point #2. Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. A participation rate determines how much of the index's increase will be used to calculate the interest rate. How Athene Describes the Balanced Choice Level 10 Annuity. Total Index Exposure 1. Annuity contracts and group annuity contracts are issued by Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY, in New York state. 4 3 BCA 12 2.0 Growth adds 100% of the BCA 12 2.0 Interest Earnings, if any, to the Income Base. Benefit from Gains To-Date on Free Withdrawals.
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