Create an income you can’t outlive. Today we can expect to live longer, more active lives after we stop working than any generation before us. But as our retirement horizons expand, so do our financial needs. Most of us will face an “income gap” when we retire. This is the difference between what you’ll receive from Social Security, a pension if you have one, and any other sources of guaranteed income …and what’s needed to meet expenses and maintain the lifestyle you want. With its built-in income rider, Athene Ascent Pro is designed to help bridge the “income gap” by converting a portion of your personal savings and investments into a stream of income you can count on. You get: Guaranteed Income. Lifetime Income Withdrawals from your rider are guaranteed — and your withdrawal amount can increase the longer you wait to begin taking income. 8 Flexibility. Choose when and how often you receive your “retirement paycheck.” Payment Options. Choose income that remains constant from year to year. Or, select an option that may increase your income to keep pace with inflation. Or one that may boost your income based on any interest credited to your annuity’s Accumulated Value. Protection. You can double your lifetime income withdrawal amount for up to 60 months, or until the Accumulated Value has been depleted, if you are confined to a Qualified Care Facility and meet eligibility requirements. RMD “Friendly” Withdrawals. Required Minimum Distributions (RMDs) that exceed your annual Lifetime Income Withdrawal amount will not be subject to withdrawal charges, Premium Bonus Vesting Adjustments or Market Value Adjustments and will not reduce any future Lifetime Income Withdrawals. Spousal Continuation. By selecting Joint Life Withdrawals, you can provide for your spouse should your spouse outlive you. Rider Charge This rider is included with Athene Ascent Pro fixed indexed annuities and is automatically elected with the purchase of the Annuity Contract. 9 A Rider Charge is deducted monthly, beginning on the Rider Effective Date, from your annuity’s Accumulated Value and Minimum Guaranteed Contract Value (MGCV). Rider Charges are not deducted from the MGCV in certain states. The Rider Charge is calculated as a percentage of the Income Base. The Initial Annual Rider Charge Rate is declared in your contract. Refer to the Athene Ascent Pro Certificate of Disclosure for complete details. 8 Lifetime Income Withdrawals may be reduced or may stop if you take Excess Withdrawals from your contract. If Excess Withdrawals, Withdrawal Charges, Premium Bonus Vesting Adjustment or Market Value Adjustments (MVAs) reduce the contract’s Accumulated Value to zero, your Lifetime Income Withdrawal Payments will stop and the rider will terminate. 9 Limitations, variations and exclusions may apply. Please see the Certificate of Disclosure for more information. If you decide this rider doesn’t fit with your needs, you may cancel the rider on or after the tenth anniversary of the rider’s effective date. 5
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