Additional information
Athene MaxRate annuities are designed to help meet your long-term savings and retirement needs. They include a Withdrawal Charge period. If you withdraw more money than the free amount allowed by your contract, or if you surrender your annuity before the Withdrawal Charge period ends, a Withdrawal Charge and MVA will be applied. 1
Issue Ages Athene MaxRate 3 . . . . ..... 0-85 Athene MaxRate 5 . . . . ..... 0-83 Athene MaxRate 7 . . . . ..... 0-83
Withdrawal Charge If you surrender your annuity or withdraw an amount that exceeds the Free Withdrawal amount during the Withdrawal Charge period, you will incur a Withdrawal Charge. Each Multi-Year Strategy Term Period has its own Withdrawal Charge schedule. Applicable in Most States Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Athene MaxRate 3 10% 10% 10% - - - -
Market Value Adjustment A Market Value Adjustment applies to withdrawals in excess of the free withdrawal amount and full surrenders during the withdrawal charge period. If you take a withdrawal before the end of your withdrawal charge period, an MVA will be applied to that withdrawal. If interest rates in the market are higher than when you purchased your annuity, the MVA is negative, meaning an additional amount is deducted from your contract value. The MVA may increase or decrease the amount of the Withdrawal or Cash Surrender Value of your Contract depending on the change in interest rates. If interest rates have increased, stayed the same, or decreased by less than 0.25%, the MVA will be negative. If interest rates have decreased by more than 0.25%, the MVA will be positive. 2
Athene MaxRate 5 10% 10% 10% 10% 10% -
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Athene MaxRate 7 10% 10% 10% 10% 10% 10% 10%
AK, CT, DE, HI, MD, MN, MO, NV, NJ, OH, OK, OR, PA, SC, TX, UT & WA Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Athene MaxRate 3 9.3% 8.4% 7.5% - - - -
Athene MaxRate 5 9.3% 8.4% 7.5% 6.6% 5.7% -
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Athene MaxRate 7 9.3% 8.4% 7.5% 6.6% 5.7% 4.7% 3.8%
CA
Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7
Athene MaxRate 3 8.3% 7.3% 6.3% -
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Athene MaxRate 5 8.3% 7.3% 6.3% 5.3% 4.2% -
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Athene MaxRate 7 8.3% 7.3% 6.3% 5.3% 4.2% 3.2% 2.1%
1 Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59½. Withdrawals in excess of the free amount are subject to a Withdrawal Charge and Market Value Adjustment, which may result in the loss of principal if taken while Withdrawal Charges apply. 2 The MVA offset is 0.00% in AK, CT, HI, ID, IN, MD, MN, MO, NJ, OH, OR, PA, SC, TX, and WA. For more information, please see Certificate of Disclosure or Form 17653, Understanding the MVA.
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