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    • Athene Annuity & Life (DE)


    Enhanced Choice 12

       (RETIRED)

    A Fixed Indexed Annuity with a 12-year surrender period.
    This product is not available in *** *** *** *** *** *** *** *** ***

    Ratings
      A.M. Best :  A-   Fitch:  A-   Standard & Poor's:  A-  

    Rates
      Current Rates
    xx/xx/xxxx    		 Guaranteed
    Minimum Values
       Cap Part Rate Cap Part Rate
    1-Year DJIA Monthly Average Cap   ***    ***    ***   *** 
    1-Year DJIA Quarterly Point-to-Point Cap   ***    ***    ***   *** 
    1-Year S&P 500 Annual Point-to-Point Cap   ***    ***    ***   *** 
    1-Year S&P 500 Monthly Additive Point-to-Point Cap   ***    ***    ***   *** 
    8 Year Fixed Account   (Rate guaranteed for 8 Years) *.** % *.** %

    State Specified Minimum Interest Rate: ****
    Premium Bonus
     Year: 1
    Bonus Rate: ****

    Policy Notes

    A 12-year, single --[ subscription required to view full text ]--
    * **-****, ****** *******, ******** ***** ******* **** * ****** ** **** ******** ********* ********. ****** *** *** ******* ** ***** *** ********** ** ******* ** *** ** **** ** ***** ********. ***** ********* ************* ********* ** ******** *********** *** ****** *** ********** ***** ******** ** **** ******** *********** ******* *** ************.

    Provisions
    Free Look Period: ****
    (Free look period may vary by state)
    Rate Lock Protection: ****
    Bail Out Provision Available: ***
    *** *** ***: ****
    Loan Provision Available: ***
    *** *** ***: ****
    Tax Sheltered: ***
    Market Value Adjustment: ***
    MRD: ***
    Front-End Fee: ***
    Annual Maintenance Fee: ***
    Return of Premium Available: ***
    Death Benefit is: *** ****
    Premiums
      Non-Qual Qualified
    Min Single Premium: **** *******
    Max Single Premium:
    Age < xx: **** *******
    Age > xx: **** *******
    Payroll Deduction: **** ****
    Min Added Premium: **** ****
    Flexible Premiums ******* : ****  
    Min Single Premium Impaired: ****** ******
    Min Single Premium Period Certain: ****** ******
    		 
    Age Restrictions
      Min Age Non-Qual Qualified
    Owner:   ***** *****
    Annuitant: ***** ***** *****
    Impaired:   ***** *****
    Annuitization Age:   ***** *****

    ***** ***** ***** ****** *** **** * ***** ****** *** ****** ***** ** ******** *** ***** ***** ***** ****** *** **** * ***** ***** ***** ***** ****** *** **** * *****


    Systematic Withdrawals


    Systematic withdrawals are ***** ** *** ****** ****
    *****************: **** ****** **** *****

    **** *** ***** ** $****.**
    *** *** ****** *** $****.**
    **** ***** ******* ***** ******* * ****** ***** ****

    State Specific Notes

    Withdrawal --[ subscription required to view full text ]--
    *********** *** ******* ****** ***** **** ** **, **, **, **, ** . (********** ********** *** ***** ** *********** ****** ***** ****.) *********** ***** ** *** **½ *** ** ******* ** * **% *** *******.

    MVA Explanation

    MVAs help protect you and the c --[ subscription required to view full text ]--
    **** **** ******* *** *** *** ******* **** *** ******* ******* ** ********* *********** *** **********. **** **** ********** ** *****, *** ******* *** ****** * ****** ******** **** **** ********* ********. ** *** ** ** ********** **** ** *** ************ ***** **** *********** ** ****** ** *** *******’* **** ********** ********** *** ***** ** *** ***** @*******@ ******** ***** ** ** *** ******** ** *********** *****. *** *** ******** *** ****** ** ******** ***** **** *** **** *** ******* ** ********* ** *** **** *** ********** ** ****. * ****** ** ******** ***** *** ***** ** ******** ** ******** ** *** ************ *****.

    Commissions
    Effective date of commission schedule: 05/01/2014
    Commissions are ******* ** ***** *** ** ******* **** ***** ******* **** ***** ****** **** **** ** ******* *****.

    Option A

    Enhanced Choice 12
    (All approved states except those listed below)
    		 Up to age 75  
    Initial Premium: ****
    Ages 76+  
    Initial Premium: ****
    CA
    		 Up to age 75  
    Initial Premium: ****
    Ages 76+  
    Initial Premium: ****

    Option B

    Enhanced Choice 12
    CA
    		 Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76+  
    Initial Premium: ****
    Trail: ****
    		Up to age 75  
    Initial Premium: ****
    Trail: Trail years ***+ is *****
    Ages 76-80  
    Initial Premium: ****
    Trail: Trail years ***+ is *****

    Related Information

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