Athene AccuMax 7 Annuity – Multi-Year Growth Strategies with Principal Protection and Index Power
A Smarter Way to Accumulate Retirement Growth
At Diversified Insurance Brokers, we help clients protect their retirement savings while taking advantage of long-term market growth. The Athene AccuMax 7 Fixed Indexed Annuity, issued by Athene Life and Annuity Company, delivers on both fronts—offering principal protection, tax-deferred accumulation, and uniquely structured crediting options that maximize returns.
With flexible index strategies and multi-year accumulation design, this annuity is built for individuals who want strong growth potential without market risk.
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Multi-Year Credit Strategies with Enhanced Participation
One of the standout features of the AccuMax 7 is its multi-year crediting strategy, designed to improve performance through higher participation rates. Instead of crediting interest annually, it captures growth over longer periods—potentially reducing the impact of short-term volatility and increasing upside potential.
Available index options include:
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S&P 500® Index (excluding dividends)
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AI Powered Multi-Asset Index
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Shiller Barclays CAPE® Allocator 6 Index
These indexes offer a combination of equity strength, tactical asset allocation, and forward-looking investment models—positioning your savings for consistent long-term accumulation while ensuring your principal is never at risk.
To see how these strategies compare with other top annuities on the market, fill out our quick annuity quote request form and we’ll send you a personalized breakdown.
Built-In Flexibility and Emergency Access
The AccuMax 7 includes strong liquidity features, offering:
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Penalty-free withdrawals of up to 10% annually, starting in year two
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Nursing Home Waiver and Terminal Illness Waiver, which allow full access in qualifying situations
These features help protect your retirement while providing flexibility if life circumstances change unexpectedly.
Tax Deferral and Estate Transfer Benefits
As with other fixed indexed annuities, interest earned in the AccuMax 7 grows tax-deferred, allowing your money to compound faster over time. And in the event of death, your full accumulation value is passed to beneficiaries—free of surrender charges and outside of probate.
It’s a seamless way to grow and preserve wealth while creating a lasting financial legacy.
Who This Annuity May Be a Good Fit For
The Athene AccuMax 7 Fixed Indexed Annuity is a great fit for:
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Individuals seeking long-term accumulation with principal protection
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Savers interested in multi-year crediting strategies that reduce volatility and improve returns
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Clients who want access to non-traditional index strategies like AI-based and behavioral-driven models
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Pre-retirees who value flexibility and penalty-free access for future income planning
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People looking for a tax-efficient and probate-free transfer of wealth
Whether you’re repositioning retirement savings or looking for stronger upside potential without the risk, the AccuMax 7 delivers a smart, forward-looking annuity solution.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Athene AccuMax 7 Annuity
What is the Athene AccuMax 7 Annuity?
Athene AccuMax 7 is a fixed indexed annuity built for mid-term accumulation with a 7-year surrender period. It focuses on index-linked growth, enhanced crediting methods, and predictable downside protection for conservative and moderate savers.
What makes the AccuMax crediting strategy unique?
The AccuMax series often features enhanced participation rates, multi-index diversification options, or crediting designs that allow stronger upside capture without exposing principal to market losses. These features are meant to improve long-run accumulation potential compared to traditional fixed annuities.
Does the AccuMax 7 protect my principal?
Yes. As a fixed indexed annuity, your account value cannot decrease due to index performance. Even during negative market years, your credited interest cannot go below zero, ensuring principal protection throughout the 7-year term.
What indexing options are typically available?
AccuMax 7 usually offers multiple index choices—often including blended indices and single-index strategies. Each option may use different crediting formulas, such as participation rates, spreads, or multi-year strategies designed to smooth volatility and increase growth consistency.
How much liquidity is available during the 7-year period?
Most AccuMax contracts allow an annual penalty-free withdrawal, generally a fixed percentage of account value after the first year. Withdrawals beyond that amount are subject to surrender charges until the end of the 7-year period.
Is there a fixed-rate allocation option?
Yes. AccuMax 7 typically includes a fixed-interest bucket in addition to its index strategies. This provides stability for savers who want a guaranteed return on part of their premium.
Can I reposition funds from other retirement accounts?
Yes. Many AccuMax contracts can accept transfers, rollovers, or qualified funds. This makes it a candidate for people shifting assets from IRAs or employer plans into a more predictable retirement vehicle, similar to steps outlined in our IRA-to-annuity transfer guide.
Does the AccuMax 7 offer income features?
The primary purpose of AccuMax 7 is accumulation. However, income can be taken later through annuitization or structured withdrawals, though this product generally does not center around lifetime-income riders.
What happens at the end of the 7-year term?
When the surrender period ends, you may renew, adjust index allocations, move to another annuity, or withdraw funds. Many savers use this milestone to reset strategy or rebalance retirement assets.
Who is Athene AccuMax 7 best suited for?
This product fits individuals who want principal protection, enhanced index-based growth potential, and a mid-term contract length. It’s ideal for those who want more upside than a traditional fixed annuity but without taking on market risk.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
