Annuity Reviews | What is the Right Annuity for You? | SmartAsset.com Financial professionals will be paid a commission on the sale of an annuity. You can see our full list of MYGAs and their rates on the tables above. Today's Best Annuity Rates 4.40% 2-Year 4.90% 3-Year 5.20% 5-Year 5.25% 7-Year 4.65% 10-Year Buy an Annuity Written By Taxes may apply. PDF Athene Annuity Fixed Annuity Interest Rates - iPipeline After the first Contract Year, you can withdraw up to 100% of your annuitys Accumulated Value if youve been confined to a Qualified Care Facility for at least 60 consecutive days and meet the eligibility requirements. Shiller Barclays CAPE Allocator 6 Index The Shiller Barclays CAPE Allocator 6 Index has been developed in part by RSBB-I, LLC, the research principal of which is Robert J. Shiller. Athene Protector 5 Fixed Indexed Annuity - The Annuity Expert Best Guaranteed Fixed Annuity Rates for July 2023 - Blueprint Income A 10% IRS penalty may apply to withdrawals prior to age 59 . The Initial Interest Rate for this strategy is set when you purchase your annuity and is guaranteed for one year. Request A Quote Athene Protector 5 provides guarantees to help you get there. At the end of the Term Period, the Multi-Year Strategy Value will be transferred to the 1-Year Fixed Strategy. Additional Premiums earn interest at a rate that is set annually and will meet or exceed a guaranteed minimum. No Withdrawal Charge or MVA apply if you qualify for this benefit. An optional Legacy Rider also provides guaranteed growth to the Death Benefit Rider Benefit Base. MassMutual is one of the oldest and largest life insurance companies in the United States. Nursing Home, Renewal Rate Bailout Waiver, Return of Premium, Terminal Illness, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, Return of Premium, Penalty-Free Withdrawals, 401k, Cash, IRA, Non-Qualified Money, Pension Plan, Qualified Retirement Plans, Roth IRA, SEP IRA, TSA 403b, Annuity and Insurance Agency1050 Crown Pointe ParkwayAtlanta, GA 30338, AnnuitiesLife InsuranceTravel InsuranceLong Term Care InsuranceShop InsuranceGet a Free QuoteContact Us, About usPrivacy PolicyHow We WorkCustomer Reviews, Annuity Calculator: Your Pathway to Guaranteed Lifetime Retirement Income, designed to help you achieve your goals for retirement savings and income, surrender your annuity at any time during the Withdrawal Charge. Athene MaxRate 7 Annuity | 4.40% Rate - The Annuity Expert After you purchase your annuity you can continue to add money to it. Each contract year during the Term Period, you can withdraw up to the Free Withdrawal amount without penalty. With an Athene Protector 5 fixed indexed annuity, you can save confidently for retirement. The seven-year annuity starts with a 9% surrender charge, while the nine-year annuity starts with an 11% surrender charge. Cision Distribution 888-776-0942 This is called annuitization.. Athene's fixed annuities include the MaxRate 3, 5 and 7. Athene is driven to deliver innovative fixed and fixed indexed annuities that help you win your market. The Athene Ascent is a fixed indexed annuity (FIA) that may be appealing to those who are seeking a higher rate of return than that of a regular fixed annuity, but who also want to keep their money safe during the "accumulation", or savings, phase of the annuity - even during a stock market downturn. The Cash Surrender Value is equal to the greater of the following values as defined in your contract: Athene Accumulator 7 annuities are designed to meet your long-term savings and retirement needs. 1Current law already provides tax deferral to IRAs, so there is no additional tax benefit obtained by funding an IRA with an annuity. The Athene Ascent Pro 10 Bonus is a fixed annuity product with an issue age of 35 to 80. Fixed annuities are for conservative investors who want safety and guarantees. With Athene MaxRate 5 annuities, RMDs are considered part of your annual Free Withdrawal, even if they exceed your Free Withdrawal amount. You cannot be confined at the time the contract is issued and confinement must begin at least one year after the Contract Date. Once the Withdrawal Charge period is over, you can access the full value of your annuity at any time. $46,417/year. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. In part, Withdrawal Charges allow the company to invest your money on a long-term basis and generally credit higher yields than possible with a similar annuity of the shorter term. These charges do not apply to Free Withdrawals, RMDs, payments made in settlement of your annuitys Death Benefit, or Confinement and Terminal Illness waivers. See product brochure, disclosure and riders for additional details, limitations and availability. Such costs may vary over time with market conditions. Rate Changes - Athene A Multi-Year Fixed Strategy is used to credit interest to the Initial Premium that you used to purchase your annuity. The Annual Rider Charge Rate is declared in your contract. Busting Fixed Indexed Annuity Myths - Athene The Best Target Date Funds For Retirement. With Athene MaxRate 7 annuities, RMDs are considered part of your annual Free Withdrawal, even if they exceed your Free Withdrawal amount. You can find all types of annuities with AIG, and it has high customer satisfaction. For example, if . Required Minimum Distributions (RMDs) are IRS mandatory withdrawals required with qualified contracts (such as an IRA). All transactions are subject to meeting a reinsurers underwriting requirements. Interest is credited to your annuity using one of two interest crediting strategies. You can withdraw up to 100% of your annuitys value if you are confined to a Qualified Care Facility. Product not available in all states. This material should not be interpreted as a recommendation by Athene Annuity and Life Company, Athene Annuity & Life Assurance Company, Athene Annuity & Life Assurance Company of New York, or Athene Securities, LLC. Enjoy tax deferred growth, safety of principal, and higher interest rates vs. traditional CD's. Menu. We guarantee you will not lose money due to stock market risk or losses. NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR ANY BANK AFFILIATE SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. You might be using an unsupported or outdated browser. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. Once the Withdrawal Charge period is over, your clientcan access the full value oftheannuity at any time. Your annuity can offer your loved ones a quick source of funds to settle matters after your death.2. . Your financial situation is unique and the products and services we review may not be right for your circumstances. These are excellent fixed annuity rates. Rate Changes. For example, you can set your return with a cap, meaning theres a maximum limit to what return you can earn no matter how well the S&P 500 does. S&P 500 Index The "S&P 500" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates ("SPDJI") and has been licensed for use by Athene Annuity and Life Company. As of June 30, 2023, the best 7 year fixed annuity rate is 5.46% offered by Atlantic Coast Life Insurance Company. Best 10 Year Fixed Annuity Rates EquiTrust currently offers the best 10 year fixed annuity rate of 5.40% as of June 30, 2023. Answer 20 questions and get matched today. Athene Protector 5 fixed index annuity is a 5-year retirement savings plan designed for safe wealth accumulation, principal protection, and extra liquidity. Annuities provide the advantage of tax-deferred interest accumulation. It offers high-quality fixed annuities as well as immediate income annuities. Athene Accumulator fixed indexed annuities offer a variety of index crediting strategies and exclusive indices that deliver strong growth potential. $10,000. , , , , , , Environmental, Social and Governance (ESG), HVAC (Heating, Ventilation and Air-Conditioning), Machine Tools, Metalworking and Metallurgy, Aboriginal, First Nations & Native American. $ 10,000.00 Athene MaxRate 5 fixed annuity is a 5-year retirement savings plan that offers competitive interest rates and offers liquidity to access your money. As long as you keep your annuity for the Withdrawal Charge period, your principal and the interest you earn are guaranteed. Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; and Athene Life Re Ltd., Hamilton, Bermuda. Payment obligations and guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Athene Ascent Pro 10. Your return will be based on their performance. The Cash Surrender Value is equal to the greatest of the following values as defined in your contract: Athene Protector 5 annuities are designed to meet your long-term savings and retirement needs. RSBB-I, LLC is not an investment advisor, and does not guarantee the accuracy or completeness of the Shiller Barclays CAPE Allocator 6 Index, or any data or methodology either included therein or upon which it is based. If interest rates have increased, stayed the same, or decreased by less than 0.25%, the MVA will be negative. The first is a Multi-Year Guarantee Annuity (MYGA). Americo does not sell variable annuities. With a MaxRate 5 annuity, you can select the Term Period that best fits your savings goal. If you want an annuity with direct access to investment funds, you must work with another insurance company. Athene MaxRate 5 fixed annuity is a 5-year retirement savings plan that offers competitive interest rates and offers liquidity to access your money. "It blends the spirit of opportunity with the security of guarantees in unique and powerful ways.". Your organization may not offer all products shown. There are multiple types of annuities designed for. Not to be used with the offer or sale of annuities. You are protected against market losses. Reinsurance contracts are entered into with Athene Annuity and Life Company (61689), West Des Moines, IA; Athene Annuity & Life Assurance Company (61492), Wilmington, Delaware; Athene Annuity & Life Assurance Company of New York (68039), Pearl River, NY; and Athene Life Re Ltd., Hamilton, Bermuda. For example, Athene offers a guaranteed lifetime income benefit on its annuities without charging extra. Withdrawals are not credited with index interest in the year they are taken. There are two options we can offer. The fixed indexed annuity is not, in whole or in part, sponsored, structured, priced, endorsed, offered, sold, issued or promoted by EquBot, HSBC, Solactive or any of their affiliates. While the right match depends on your personal financial goals, ideally, your annuity should offer the following: If you need help finding the right annuity company, consider meeting with a financial advisor for more help. Depending on the product, the bonus can range from 2% to 10% of your initial premium. Your Athene annuity can offer your loved ones a quick source of funds to settle matters after your death. NONE OF HSBC, EQUBOT, SOLACTIVE OR THEIR SUPPLIERS MAKES ANY REPRESENTATION OR WARRANTY, AND EACH OF HSBC, EQUBOT, SOLACTIVE AND THEIR SUPPLIERS EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THOSE REGARDING (I) MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, AND (II) THE ADVISABILITY OF ANY PERSON INVESTING IN THE FIXED INDEXED ANNUITY. Athene MaxRate 7 fixed annuity is a 7-year retirement savings plan that offers competitive interest rates and offers liquidity to access your money. Athene is driven to deliver innovative fixed and fixed indexed annuities that help you win your market. In addition to periodic or Free Withdrawals, Athene MaxRate 5 provides you with several ways to receive guaranteed income from your annuity. You can purchase a MaxRate 5 annuity with an Initial Premium of $10,000 $1 million. Youre guaranteed to never earn less than 0% interest. 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. It would reduce your balance for income if rates have gone up and increase your balance if rates have gone down since your purchase. Athene Annuity & Life Insurance Company is a leading provider of products in the retirement savings market. At the end of the Term Period, the Multi-Year Strategy Value will be transferred to the 1-Year Fixed Strategy. Life Insuranceis also an inexpensive way to leave a death benefit to beneficiaries. Athene offers a good selection of . Some lifetime income riders offer a retirement income that increases to keep up with inflation, help pay forlong-term care expenses, and offer anenhanced death benefitto help your beneficiaries. "Athene AccuMax is designed for long-term savers seeking index-driven growth potential as an alternative to traditional fixed income alternatives," said Grant Kvalheim, CEO and President of Athene USA. Athene Ascent Fixed Indexed Annuity Review: Pros and Cons from 8 AM - 9 PM ET. After you purchase your annuity you can continue to add money to it. The annuity company then pays a return on your balance to grow it for the future. Age 70. Request Info At the maturity date, your clientcan choose to converttheannuity into a guaranteed stream of income. $13,468/year. The interest rate you earn will vary depending on the amount of premium you deposit(see Rate Details below). At the maturity date, you can choose to convert your annuity into a guaranteed stream of income. Financial professionals will be paid a commission on the sale of an annuity. Surrender charges may apply to withdrawals during the surrender period. Athene Accumulator 7 gives you the opportunity to grow value and lock in gains. At the end of your Americo Elite 5 annuity term, you can renew, change your investment selection or take all your money out penalty-free. Your beneficiary is guaranteed your annuitys full Accumulated Value or Minimum Guaranteed Contract Value, whichever is greater. Athene holds 67.8% of their assets in bonds and 19.2% in mortgages, the latter of which is higher than most insurance companies. After the 30-day Bailout Window, all charges may apply. At the maturity date, you can choose to convert your annuity into a guaranteed stream of income. Your annuity includes a Withdrawal Charge period equal to the Term Period. The interest rate for this strategy is guaranteed for the Term Period you chose. The Death Benefit will be paid as long as you havent annuitized your contract. If you decide to surrender your contract, Athene will pay you the contracts Cash Surrender Value.

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