Growing your money. Here are the strategies you can choose from to determine how interest gets credited to your annuity. Fixed Crediting Strategy The fixed crediting strategy provides a guaranteed rate of interest that is used to calculate and credit interest to your annuity daily. Athene declares the rate each Contract Year. Indexed Crediting Strategies With indexed crediting strategies, you receive interest credits linked in part to the performance of external market indices. A Cap Rate or a Participation Rate, established at the start of each Index Term Period, is used to calculate any interest earned. 1 Credits are applied at the end of each term. Indexed interest crediting strategies include guaranteed protection from loss due to market downturns. While you may receive a 0% interest credit at the end of a term period, you will never receive less than 0%.
Optional Strategy Charge Higher Cap and Participation Rates are available with a strategy charge. Annual Strategy Charges are calculated on the contract anniversary and deducted monthly from the Accumulated Value. 2
Strategy Charge Credit A one-time Strategy Charge Credit will be added to the Accumulated Value at the end of the Withdrawal Charge Period, if the sum of all strategy charges applied, minus the sum of all interest credits, is greater than zero. 3
Strategy Preset Strategy Preset is a unique “hands-free” option designed to: • harness diversification potential through broad index exposure • allow for personalization through preset options that best meet your return profile • automatically allocate your premium to a predetermined blend of index strategies • automatically rebalance each year to target that blend over time You still have the potential to earn interest credits every year and can help optimize performance through the additional use of longer crediting terms and/ or strategy charges. Strategy Preset is not available in NH.
Athene exclusive
Athene Performance Elite annuities allow you to allocate your money among one or more of the available interest crediting strategies. You can reallocate available funds at the end of each crediting period. Refer to the Product Guide for additional details and available index options. 1 Please see the Indexed Strategy Inserts provided with this brochure for more information. Note that Athene may add or eliminate indexed crediting strategies from time to time. A specific strategy may not be available for the life of your contract. 2 Not available on the Fixed Strategy. The Initial Annual Strategy Charge Rate is set at contract issue and guaranteed for the first Index Term Period. A new Annual Strategy Charge Rate will be declared at the start of each Index Term Period. 3 The Strategy Charge Credit will be applied to the Accumulated Value pro-rata across all funded strategies. If withdrawals subject to a Withdrawal Charge are taken (including a full surrender), the Credit will not be applied.
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