Annuity Atlas
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Athene Annuity review

Leading retirement services company with top-rated fixed and indexed annuities.

A.M. Best

A+

Insurer claims-paying rating

Products tracked
25
MYGA yield (lineup max)
6.15% · 7yr · Athene Max Rate 7
Income on $500K (benchmark)
$109,013/yr · Ascent Pro 10 Bonus (State Variations)
Surrender range
3–15 years
Rate as of Oct 14, 2026
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Founded
2009
Headquarters
West Des Moines, IA
Total assets
$250+ Billion
A.M. Best
A+

25 Athene Annuity annuities

Click any product for rates, specs, and the full peer-group review.

MYGA7-YR SURRENDER
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MYGA5-YR SURRENDER
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MYGA3-YR SURRENDER
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A+
A.M. BEST
FIA10-YR SURRENDER
Details →
A+
A.M. BEST
FIA7-YR SURRENDER
Details →
Buyers who want a 7-year accumulation FIA with strategy charges that enable higher crediting potential from a top-rated carrier
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
Buyers who want a 10-year accumulation FIA with built-in income and death benefit features from a top-rated carrier
A+
A.M. BEST
FIA10-YR SURRENDERINCOME RIDER
Review →
Buyers who want a shorter-duration accumulation FIA with built-in income and death benefit features from a top-rated carrier
A+
A.M. BEST
FIA7-YR SURRENDERINCOME RIDER
Review →
Buyers who want the Ascent Pro 10 design with an added premium bonus to boost starting value
A+
A.M. BEST
FIA10-YR SURRENDERINCOME RIDER 1.00% annually FEEBONUS 10%
Review →
Buyers who want a 10-year accumulation FIA with a broad crediting menu from a top-rated carrier
A+
A.M. BEST
FIA10-YR SURRENDER
Review →
Buyers who want a 5-year accumulation FIA with a competitive crediting menu from a top-rated carrier
A+
A.M. BEST
FIA5-YR SURRENDER
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Buyers with genuine 10-year money who want one of the largest upfront account-value bonuses in the category, up to 22% depending on age and state, from an A+ rated carrier, and who won't need more than 5% annual access along the way
A+
A.M. BEST
FIA10-YR SURRENDERBONUS 20% (through age 70) / 22% (through age 64) / 22% (through age 70) / 20% (ages 65–70) / 18% (ages 71–75) / 20% (ages 71–75) / 16% (ages 76–78) / 18% (ages 76–78)
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Long-term savers who want a deep index menu and the flexibility to add a lifetime income rider later, or never
A+
A.M. BEST
FIA10-YR SURRENDER
Review →
Patient accumulation buyers who want a deep index menu and the option to add lifetime income or an enhanced death benefit, but are not in a hurry and can tolerate a long lockup
A+
A.M. BEST
FIA12-YR SURRENDER
Review →
Accumulation-focused buyers who want a deep bench of index strategies, biennial crediting cycles, and principal protection without paying for an income rider
A+
A.M. BEST
FIA6-YR SURRENDER
Review →
Buyers who want a biennial participation-rate structure across a broad index menu, are comfortable with an 8-year commitment, and may want to layer on a lifetime income rider later
A+
A.M. BEST
FIA8-YR SURRENDER
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Buyers who want a large upfront premium bonus, broad index access, and accumulation-focused FIA mechanics without an income rider
A+
A.M. BEST
FIA10-YR SURRENDERBONUS 23% (through age 70) / 25% (through age 64) / 25% (through age 70) / 23% (ages 65–70) / 21% (ages 71–75) / 23% (ages 71–75) / 19% (ages 76–78) / 21% (ages 76–78)
Review →
Long-horizon buyers who want a large upfront premium bonus, principal protection, and a deep crediting menu and are confident they won't need access to the money for 15 years
A+
A.M. BEST
FIA15-YR SURRENDERBONUS 25% (through age 70) / 20% (ages 71–73)
Review →
Buyers who can commit to a full 15-year hold, want a large account-value bonus credited upfront, and have no expectation of needing early access to principal
A+
A.M. BEST
FIA15-YR SURRENDERBONUS 28% (through age 70) / 23% (ages 71–73)
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Accumulation-focused buyers who want a wide index menu, no mandatory rider fee, and the option to dial up participation rates by paying an explicit strategy charge
A+
A.M. BEST
FIA7-YR SURRENDER
Review →
Buyers who want a 6% account-value premium bonus, multiple index choices, and principal protection in a 7-year FIA without an income rider
A+
A.M. BEST
FIA7-YR SURRENDERBONUS 5% / 6%
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Buyers who want to fund future lifetime income, value a no-cost built-in income rider, and can leave the money alone for several years before turning income on
A+
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 0.85% annually FEE
Review →

About Athene Annuity

Athene is one of the largest and fastest-growing retirement services companies in the United States. Known for competitive fixed and fixed indexed annuity rates, Athene has built a reputation for financial strength and innovation in the retirement income space. Their products consistently rank among the top choices for guaranteed income and accumulation.

The tradeoffs

What works
  • Industry-leading fixed annuity rates
  • Strong financial ratings from all major agencies
  • Wide range of indexed crediting strategies
  • Competitive income rider payouts
  • No annual fees on base contracts
What to watch
  • Surrender periods can be lengthy (7-10 years)
  • Not available in all states
  • Newer company compared to legacy insurers

What you could receive

Live projection for Ascent Pro 10 Bonus (State Variations) with Ascent Pro 10 Bonus Income Rider Level Income, single life, issue age 62, income beginning at age 75. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

PremiumMonthlyAnnual
$250,000$4,542$54,506
$500,000$9,084$109,013
$1,000,000$18,169$218,025

Income rider fees

Disclosed charges for optional riders on Athene products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Velocity Family Endowment RiderVelocity0.85% annually
Velocity Family Endowment Rider MAXVelocity0.85% annually
BCA 10 2.0 BALIR - Flex Growth with Earnings Indexed IncomeBCA 2.0 10-Year1.00% annually
BCA 10 2.0 BALIR - Flex Growth with Inflation Adjusted IncomeBCA 2.0 10-Year1.00% annually
BCA 10 2.0 BALIR - Flex Growth with Level IncomeBCA 2.0 10-Year1.00% annually
BCA 10 2.0 BALIR - SGO Max with Earnings Indexed IncomeBCA 2.0 10-Year1.00% annually
BCA 10 2.0 BALIR - SGO Max with Inflation Adjusted IncomeBCA 2.0 10-Year1.00% annually
BCA 10 2.0 BALIR - SGO Max with Level IncomeBCA 2.0 10-Year1.00% annually

+31 more riders listed on individual product pages.

Best fit for these buyers

Investors seeking high guaranteed income
Those wanting competitive fixed rates
Retirees looking for principal protection with growth potential
Ages 55-75 planning for retirement income

Frequently asked questions

Is Athene Annuity a good annuity company?
We have reviewed 17 Athene Annuity products, and A.M. Best rates the carrier A+ for financial strength. We describe its financial position as "Excellent" with $250+ Billion in total assets.
How much income can I get from a Athene Annuity annuity?
Income depends on your premium, age, and start date. At our benchmark scenario (single life, issue age 62, income beginning at age 75), Athene Annuity's highest-paying income product (Ascent Pro 10 Bonus (State Variations)) currently projects about $109,013 per year on a $500,000 premium, or $54,506 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for Athene Annuity annuities?
Fee structures vary by product. Optional income riders on Athene Annuity products carry disclosed charges, for example Velocity Family Endowment Rider (Velocity): 0.85% annually ; Velocity Family Endowment Rider MAX (Velocity): 0.85% annually ; BCA 10 2.0 BALIR - Flex Growth with Earnings Indexed Income (BCA 2.0 10-Year): 1.00% annually . See each product review for the full fee detail.
What is the surrender period for Athene Annuity annuities?
Surrender periods on Athene Annuity's current lineup run 3–15 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.

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