Athene's headline annuity rates
| Product | Type | Term | Rate |
|---|---|---|---|
| MaxRate 5 | MYGA | 5 years | 6.05% APY |
| MaxRate 7 | MYGA | 7 years | 6.00% APY |
| Performance Elite Plus | FIA | 10 years | 10.50% roll-up |
Why Athene rates often lead the market
Athene is owned by Apollo Global Management, which gives it access to a broader credit investment universe than most traditional mutual insurers. That generally lets Athene credit higher rates on MYGA contracts while maintaining its A+ AM Best rating. The trade-off: surrender schedules are standard length and FIA participation rates can change between filings.
Athene rate availability
Athene products are available in most U.S. states but specific product names and rates vary by state filing. Minimum premium is typically $10,000 for MYGA and $25,000 for FIA. Premium-band bonuses kick in at $100,000+ on most products.
Read the full Athene carrier review, compare against Nationwide, or see all current 5-year MYGA rates.
Frequently asked questions
- What are Athene's current annuity rates?
- Athene's headline MYGA rates currently top out near 6.05% APY for a 5-year MaxRate contract from an A+ rated carrier. Athene MaxRate 7 offers approximately 6.00%. Rates change frequently.
- Does Athene have a 3-year MYGA?
- Yes. Athene's MaxRate product is available in 3, 5, and 7-year terms in most states. The 3-year version is competitive but rarely tops the broader 3-year market, where Aspida and Oceanview often lead.
- Are Athene's FIA rates competitive?
- Yes. Athene's Performance Elite Plus is a perennial leader on FIA income-base roll-ups, currently quoting approximately 7.50% guaranteed simple roll-up. Cap rates on the S&P 500 strategy are also competitive.
- How often does Athene change its annuity rates?
- Athene typically re-files rates every 2–4 weeks, sometimes more often in fast-moving rate environments. State approvals can lag the headline change by 1–2 weeks.
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