Financial professionals will be paid a commission on the sale of an annuity. All Rights Reserved | Privacy Policy, Independent Review of the American Equity Foundation Gold Fixed Index Annuity, Independent Review of the American General Power Advantage 10 Fixed Index Annuity, We use cookies to enhance your experience while using our website. representing an adjusted price-to-book value multiple of approximately or similar expressions. Generally, Protecting savings in turbulent times. This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & Life Assurance Company, Athene Annuity & Life Assurance Company of New York, or Athene Securities, LLC. 0 Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; and Athene Life Re Ltd., Hamilton, Bermuda. Request a withdrawal? Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; and Athene Life Re Ltd., Hamilton, Bermuda. These companies 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. To complete your product training, visit the RegEd site, Discover everything you need to know about the indices that power Athene annuities, go to Index Information, For product support or to run an illustration, contact the best Sales Desk in the business at 888-ANNUITY. Not all reinsurance products or structures offered are available in all jurisdictions. 8:00 a.m. - 5:00 p.m. CT, Monday - Friday. Therefore, if you did find that this annuity review was beneficial to you, then please feel free to forward it on and to share it with anyone else that you think may benefit from it, as well. Greenville, SC 29602-9087, Mailing Address: Premium Bonus annuities include a Premium Bonus Vesting Schedule and may include a lower Cap Rate, lower Participation Rate, higher Annual Spread, or other limitations not included in similar annuities that dont offer a Premium Bonus feature. Protecting savings in turbulent times. Please see Certificate of Disclosure and other documents for additional detail on this provision. offering and has filed a preliminary prospectus. Athene has not endorsed this review in any way, nor do we receive any type of compensation for providing this review. Greenville, SC 29602. Not to be used with the offer or sale of annuities. 2During Accumulation, any Interest Credits applied to the Accumulated Value are applied to the Income Base at a Participation Rate of 200%. capacity to offset any near-term earnings dilution associated with a In this review well cover the following information on the Athene Income Select Bonus Fixed Index Annuity: Annuities can be complex. financial strength ratings; our ability to manage our business in a Products not available in all states. In fact, we dare say that our site is the only place where you can truly get all of the details about annuities that you need. Adobe InDesign CS6 (Macintosh) send you the prospectus if you request it from Morgan Stanley & Co. LLC Financial professionals will be paid a commission on the sale of an annuity. They are designed to be a long-term investment product used to help provide income for retirement and are not suitable as a short-term investment. Products not available in all states. The term financial professional is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an annuity. Athene Ascent Pro 10 Bonus GEN10 (04/14) and Athene Ascent Income Rider IR1 (09/15), IR2 (09/15) or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. We have a strong track record of Atlanta, GA 31139, Mailing Address: near-term earnings dilution resulting from a preferred stock issuance Registered index-linked annuities have a risk of substantial loss of principal and related earnings. . Premium Bonus annuities include a Premium Bonus Vesting Schedule and may include a lower Cap Rate, higher Spread Rate or other limitations not included in similar annuities that don't offer a Premium Bonus. Product Name: Income Select Bonus: Issuer: Athene Annuity and Life Company: Type of Product: Fixed Index Annuity: Standard & Poor's Rating: A (Excellent) as of April 2017: Phone Number (888) 266-8489: Website: https://www.athene.com: Please reach out to your financial professional if you have any questions about insurance products and their features. application/pdf That is because it also offers a death benefit that is paid out to a named beneficiary, and that will also avoid the time-consuming and costly process of probate. For claim forms, call 866-690-1992 to speak with a customer service representative. This material is a general description intended for general public use. Reinsurers may not be licensed in all states. opportunistically acquired 7.8 million shares of common stock for a uuid:bdbe0250-a3bc-d14a-8854-cb8a3fe66a1d xmp.id:926C9A28682068118083F0B7E582CB61 general economic conditions; our ability to protect our intellectual However, you may also find that it can fall somewhat short and that there could be some other alternatives out there that are better for you. 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. ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. The Income Preferred Pro is available to customers in Florida 65 and over. This press release contains, and certain oral statements made by our MAY LOSE VALUE. HWmo Bg[E/3p PO Box 19032 Before you invest, you should read the AnnuityGator. years. If you are in fact considering the purchase of a fixed index annuity, then you can be assured that your principal will be safe, regardless of what occurs in the stock market, or even the economy as a whole. amended. Request Info This is especially true because annuities are long-term commitments, and due to their surrender charges, they can be extremely difficult products to get out of if you happen to change your mind once youve committed. Linotype AG our assumptions and estimates; our ability to maintain or improve And, when it comes time to convert the annuity over into an income stream, you can choose the lifetime option and, in turn, receive a guaranteed stream of income for the rest of your life regardless of how long that may be. Growth Plus Liquidity. Please reach out to your Financial Professional for more details on state approvals and firm guidelines. principal subsidiaries include Athene Annuity & Life Assurance Company, S7293_CurrentAnnuities_05-15.indd We believe a preferred stock Make your money work for the long term 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. Contact Us. Just click here to let us know which products you are interested in seeing. Linotype AG 8:00 a.m. - 5:00 p.m. CT, Monday - Friday, Pursue growth potential without sacrificing security. capital solution. Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; and Athene Life Re Ltd., Hamilton, Bermuda. discussed from time to time in Athenes filings with the SEC, including Yet, as you scan the world wide web for more information, it is probable that you have stumbled across other sites that try to lure you in by making claims like the following: Even though these claims may sound great initially, the truth is that they may not all be true. Please see Certificate of Disclosure for more information on these features. 2015-05-14T10:55:05-05:00 RILAs may help you accumulate money based in part ongrowth in a published stock market index, while also providing a measure ofprotection from lossif the index declines in value. Annuities contain features, exclusions, limitations and availability that may vary by state and/or sales distributor. Yet, while growing your money, keeping it safe, and knowing that you will have an income for life can initially sound like the best of all worlds, there are also some things that you need to know about the Income Select Bonus annuity from Athene before you dive in head first. And, be sure to check back soon. MAY LOSE VALUE. &R )f_|f6 $RC(;u\eYthzz]mQz6{u jYsl/? W How you can generate big savings without exposing yourself to too much risk. seeking to fund retirement needs. So, if you still have any additional questions about the Athene Income Select Bonus annuity, then please feel free to contact us directly here, through our secure contact form. Choose from Level, Inflation-Adjusted or Earnings-Indexed Income. preference shares (to be represented by depositary shares). Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; and Athene Life Re Ltd., Hamilton, Bermuda. This has been our key mission for many years and for much longer than any of our competitors. There are also some other features on this annuity that can make it attractive especially in the case of the unexpected. Product features, limitations and availability vary; see the Certificate of Disclosure for details. designed for the increasing number of individuals and institutions Mailing Address: regulations; the accuracy of our interpretation of the Tax Cuts and Jobs Not all reinsurance products or structures offered are available in all jurisdictions. Athene USA Product features, limitations and availability vary; see the Prospectus for details. MAY LOSE VALUE. ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds. * Income Preferred Series - no MVA. Annuity riders may be available for an additional annual premium that can provide additional benefits and income guarantees. on the Companys existing authorization. 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. Please see Certificate of Disclosure for more information. Income Preferred Bonus S (0-78) Income Preferred Ten (0-78) Initial Premium $5,000-$74,999 Initial Premium $75,000+ Initial Premium $5,000-$74,999 Initial Premium estimates, projects, may, will, could, might, or continues other operational systems failures; the continued availability of management and the management of Athene's subsidiaries. All transactions are subject to meeting a reinsurers underwriting requirements. retirement savings products, is launching an opportunistic offering of Over the past several years, fixed index annuities have become much more sought after by consumers as a way to obtain a guaranteed income for life, as well as an opportunity to keep principal safe regardless of what the market does. 4These benefits are NOT long-term care insurance nor are they a substitute for such coverage. This is the market index your growth is based on. Athene Ascent Pro GEN (09/15) NB, GEN10 (04/14) and Athene Ascent Income Rider IR1 (09/15), IR2 (09/15) or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. Not all reinsurance products or structures offered are available in all jurisdictions. Today, because there are many retirees and pre-retirees who are concerned about keeping their principal safe, and having an income that is guaranteed for life, a financial or insurance advisor is likely to focus on the protection and income features of this annuity. This annuity will also provide you with income options that you cannot outlive. 2544995925 The term financial professional is not intended to imply engagement in an advisory business with compensation unrelated to sales. The products offered by Athene include: Athene had total assets of $132.9 billion as of March 31, 2019. long-term value creation for shareholders.. Option 1 Guaranteed Growth See the Indexed Strategy Inserts for more information. For example, the Athene Income Select Bonus Fixed Index Annuity can allow you the opportunity to earn a market index-linked return, while also keeping your money safe during market downturns. Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds. Many 65-year-olds may live into their 80s or longer. Athene is driven to deliver innovative fixed and fixed indexed annuities that help you win your market. The Strategy Charge Credit will be applied pro rata across all funded strategies. PEMBROKE, Bermuda--(BUSINESS WIRE)-- 0 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 Athene Agility annuity is a fixed indexed annuity with a $10,000 minimum investment and a maximum issue age of 83. Here's how you can get a hold of us 800.255.2405 Annuity Sales Support ext. PO Box 19087 If withdrawals subject to a Withdrawal Charge are taken (including a full surrender), the credit will not be applied. forward-looking statements include actions, events, results, strategies This website contains highlights only. Athene AccuMax ICC20 STA (11/20); Athene Accumulator GEN (09/15) NB and Athene Accumulator Legacy Rider ICC16 GMDB (06/16); Athene Agility GEN (09/15) NB, Income and Death Benefit Rider IR (06/18) and Enhanced Income Benefit Endorsement EIBR (06/18); Athene Ascent Pro GEN (09/15) NB, GEN10 (04/14) and Athene Ascent Income Rider IR1 (09/15), IR2 . Then, once we have run these figures, we will provide you with a detailed spreadsheet at no charge. All forward-looking statements described herein are qualified by these These companies 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. Enhanced Premium Bonus 2. This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & Life Assurance Company, Athene Annuity & Life Assurance Company of New York, or Athene Securities, LLC. 646 768 7309ngunn@athene.com. prospectus in that registration statement and other documents the issuer At Athene, were always reaching higher so you retire better. ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. It could happen. PO Box 725449 Withdrawals in excess of the free amount are subject to a Withdrawal Charge, MVA and any Premium Bonus Vesting Adjustment which may result in the loss of principal. 2During Accumulation, any Interest Credits applied to the Accumulated Value are applied to the Income Base at a Participation Rate of 200%. For financial professional use only. 3471348815 For instance, while youll have the opportunity to earn a nice rate of return that is based on the performance of the underlying index, this return can be limited due to the cap that is in place. Before purchasing any type of insurance and/or investment product, it is important that you do your own due diligence, and that you consult a properly licensed professional if you should have any specific questions that relate to your individual situation. 2018, Athenes Board of Directors has authorized approximately $500 3676022683 MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. Includes all the features above plus a liquidity rider (for a charge) with features that are among the most robust in the industry. Call 888-ANNUITY (888-266-8489) and we'll be happy to help you. 6620 Product and pre-sale support for agents and Distribution Partners New Business Agent Contact ext. The completion of the For claim forms, call 800-423-9398 to speak with a customer service representative. If at the end of the withdrawal charge period, the total interest credited to the Accumulated Value is less than the Minimum Interest Credit, the client automatically receives a one-time interest credit equal to the difference.4. Athene Performance Elite GEN (09/15) NB, GEN10 (04/14), TBS15 (09/12) Athene Performance Elite Plus BONUS (04/17) and Enhanced Liquidity Rider ICC15 PEPR (11/14) or state variations are issued by Athene Annuity and Life Company, West Des Moines, IA. With an Athene Income Preferred Bonus Fixed Indexed Annuity, you can save more money for retirement income. found at the SECs website www.sec.gov. underwriter or any dealer participating in the offering will arrange to Training is required prior to selling any Athene annuity. preferred stock offering will be contingent upon market conditions and Income Preferred Annuity Rates May 8, 2015 Income . 3471348815 Any sale of an annuity will require contact with a financial professional. You may get these documents for free by visiting Product features, limitations and availability vary; see the Prospectus for details. If you are currently in the process of considering an annuity, then it is important to know that these products can be a logical choice if you are seeking a lifetime income in retirement, along with other key benefits. Contact your back office or the Athene Sales Desk for product availability. Over the past several years due in large part to the constant volatility of the stock market these types of annuities have become quite popular. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. When you purchase the Athene Ascent Pro fixed indexed annuity and income rider, an Income Base is set up for your rider. property; the ability to maintain or obtain approval of the Delaware So, as an example, if the cap on the annuity is 4%, and the underlying index had a return of 6% in a given year, then your return, based on the cap, would be limited to 4%. life insurance industry, maintaining capital for opportunistic asset Any sale of an annuity will require contact with a financial professional. This product and the components and features contained within are not available in all states or firms. TrueType Collection If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. a Delaware-domiciled insurance company, Athene Annuity and Life Company, Reinsurance products are not protected or guaranteed by state insurance guaranty associations or insolvency funds. That's Performance. And, because of this growing popularity, the number of insurance and financial advisors who are offering these products has also increased substantially. 7 The Strategy Charge Credit will be added to the Accumulated Value at the end of the Withdrawal Charge period if the sum of all sum of all strategy charges applied, minus the sum of all interest credits, is greater than zero. With that in mind, unless your financial advisor specializes in annuity products, it is a good idea to do some additional research on your own in order ensure that you know just exactly what youre getting into. HW[s~K3dpp"Xl)&L'tVbBRV ]]8}=.+/7g&u~RylUGjUx_v&o;'A>t6}*}UL{1jd5Qz}I8= ?m1s~ZWn]>zD$ n$&w/lcz~wUVl-{Vn+YL\,ebV.l/fza3|-A\ \l TUhAyGKY!5 hrW:b'B ,"". If you would like to learn more about the Athene Income Select Bonus fixed index annuity, then you are certainly in the right place now. Income that lasts $ 10,000.00. 6.1 So while your returns are dependent on how your chosen index performs, it isn't literally invested in the market like a normal investment would be. While we do realize that this annuity review was a tad bit long, our feeling is that we would much rather provide you with a lot of details than with not enough. Act; litigation (including class action litigation), enforcement Not all reinsurance products or structures offered are available in all jurisdictions. statements are based on the beliefs and assumptions of Athene's Athene Agility 10 fixed index annuity is a retirement savings plan designed for safe growth, retirement income for life, inflation protection, and enhancing a death benefit. If qualifications are met, the Lifetime Income Optima 0 The institutional channel includes reinsurance and group annuity contracts related to pension group annuities. proof:pdf The term financial professional is not intended to imply engagement in an advisory business with compensation unrelated to sales. from application/x-indesign to application/pdf 0 Are there any other annuities that you would like to see information about? Reviews are posted at the request of readers so they could see an independent perspective when breaking down the positives and negatives of specific annuity contracts. You can find the Fund's . To complete your product training, visit the RegEd site, Discover everything you need to know about the indices that power Athene annuities, go to Index Information, For product support or to run an illustration, contact the best Sales Desk in the business at 888-ANNUITY. Peace of mind for the journey ahead from those set forth in, or implied by, such statements. 6.1 treatment from rating agencies, and preserve substantially all of our