Athene Max Rate

Choose a fixed annuity from Athene Annuity and Life Company and you can expect: Growth and income. Whether you’re looking for growth, income or a combination of both, Athene can provide the appropriate fixed annuity solution to address your needs. Your money will work hard. We do one thing and we do it well – fixed annuities that offer the potential for superior performance. Financial strength you can rely on. With a long history of stability and disciplined risk management, our solid financial foundation provides security and inspires confidence. An Athene MaxRate annuity may be right for you if you want … Dependable growth. Your Initial Premium will earn a guaranteed fixed rate of interest for a Term Period you choose. Athene MaxRate offers multiple Term Periods. Additional Premiums earn interest at a rate that is set annually and will meet or exceed a guaranteed minimum. The power of tax deferral. Annuities provide the advantage of tax-deferred interest accumulation. You don’t pay taxes on any growth until you withdraw money. 1 Access to your money. Each Contract Year during the Term Period, you can withdraw up to the Free Withdrawal amount without penalty. Once the Withdrawal Charge period is over, you can access the full value of your annuity at any time. Income you can’t outlive. At the maturity date, you can choose to convert your annuity into a guaranteed stream of income. A legacy for your loved ones. Your annuity can offer your loved ones a quick source of funds to settle matters after your death. 2

Why choose an annuity? Annuities provide insurance against the risk that you’ll outlive your money after you retire. They give you the potential to grow your savings and create a guaranteed stream of income you can’t outlive.

1 Current law already provides tax deferral to IRAs, so there is no additional tax benefit obtained by funding an IRA with an annuity. Consider the other benefits provided by an annuity, such as lifetime income and a Death Benefit. 2 After annuitization, payments will be consistent with the settlement option selected. Taxes may apply.

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