Growth Potential with Market Protection
The Athene BCA 2.0 allows you to benefit from market-linked growth while ensuring your principal is never at risk from market losses. Through a selection of fixed and index crediting strategies, your retirement savings have the potential to grow while staying protected during market downturns.

Tax-Deferred Growth and Daily Tracking
Earnings compound tax-deferred, allowing you to grow your funds more efficiently over time. The annuity uses the Balanced Allocation Value (BAV) system to track growth daily and lock in gains every two years—creating reliable momentum even in a fluctuating market.

Income for Life with Two Powerful Options
The Balanced Allocation Lifetime Income Rider® (BALIR®), available with this annuity, guarantees income for life, even if your account value drops to zero. It offers two growth options tailored to your retirement income goals:

• SGO® Max – Combines guaranteed growth with 100% of credited index earnings

• Flex Growth – Credits the greater of a fixed rate or indexed growth, for more dynamic potential

These options give you control over how your income base grows—and how much guaranteed income you can count on in retirement.

Flexible Access to Funds
Starting in year two, you can withdraw up to 10% of your account value annually without penalties, allowing you to access funds as needed while maintaining your long-term plan.

Legacy Protection with the Family Endowment Rider®
This annuity includes the Family Endowment Rider® (FER®) and FER Max, enhancing the death benefit for your beneficiaries. This means your legacy can include more than just your account value—offering your loved ones added financial support without surrender charges or penalties.

Why Work With Diversified Insurance Brokers
Choosing the right annuity involves more than picking a product—it requires expert guidance, strategic planning, and knowledge of all available options. At Diversified Insurance Brokers, we help you compare, customize, and confidently select annuities like the Athene BCA 2.0 to meet your retirement goals.

🎯 Ready to build protected income for life and leave a meaningful legacy?
Submit a quote request here to see how the Athene BCA 2.0 Annuity fits your retirement strategy.