Athene Ascent Pro 10 Bonus Annuity – Growth, Guarantees, and Lifetime Income
A Balanced Solution for Growth and Income
At Diversified Insurance Brokers, we specialize in helping clients create secure, long-lasting retirement strategies with customized annuity solutions. The Athene Ascent Pro 10 Bonus, issued by Athene Annuity and Life Company, is a fixed indexed annuity that combines accumulation potential, premium bonuses, and a built-in income rider—all with downside protection.
This product is ideal for individuals looking to grow their retirement assets while securing predictable income in the future. Whether you’re planning for retirement or already there, the Ascent Pro 10 Bonus offers tools to grow, protect, and distribute your money with confidence.
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Premium Bonus + Index Growth = Strong Accumulation
At the time of publication, this annuity includes a premium bonus of up to 10%, applied immediately to your benefit base. Combined with multiple crediting strategies linked to performance-based indices, you have the opportunity to grow your account without the risk of market loss.
Crediting strategies include:
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S&P 500® Index – a classic market benchmark
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Athene U.S. Rising Dividend Index – designed to track dividend-growth companies
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AI Powered U.S. Equity Index – a cutting-edge strategy that uses artificial intelligence to select stocks with upside potential
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Multi-Asset Risk Control Index (MSCI) – focused on diversified performance with built-in volatility control
These options are available with uncapped strategies and enhanced participation rates when you activate the Income Benefit Rider.
Guaranteed Lifetime Income with Flexibility
What sets the Ascent Pro 10 Bonus apart is its built-in Income Benefit Rider (activated automatically unless declined at contract issue). This rider offers:
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Guaranteed Lifetime Income: Even if your account value goes to zero, income continues
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Roll-up Rates: The benefit base grows annually by a guaranteed percentage (up to 10% simple) for the first 10 years
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Flexible Payouts: Choose single or joint lifetime income, with payment start dates that fit your goals
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Enhanced Income: If you meet qualifying conditions such as nursing home confinement, income payments may double for a limited time
This feature provides retirees with predictable monthly income, regardless of market performance or longevity.
Additional Benefits and Liquidity
The Ascent Pro 10 Bonus includes several features that make it suitable for a wide range of retirement needs:
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10% Annual Penalty-Free Withdrawals after year one
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Full Waivers for Terminal Illness or Nursing Home Confinement
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No Annual Contract Fees
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Death Benefit equal to the greater of the contract value or guaranteed minimum value
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Tax-Deferred Growth allows your funds to accumulate faster than taxable investments
This annuity has a 10-year surrender charge schedule, with declining penalties each year.
Is the Athene Ascent Pro 10 Bonus Right for You?
This annuity is well-suited for:
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Individuals ages 50–75 planning for retirement income in 5–10 years
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Those looking to protect principal while benefiting from market-linked growth
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Clients who want guaranteed lifetime income with the ability to double payouts under qualifying health conditions
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Pre-retirees looking to lock in bonuses and roll-ups now for income later
If you’re exploring annuities for the first time or comparing retirement income options, the Ascent Pro 10 Bonus is worth serious consideration.
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 Ascent Pro 10 Bonus
What type of annuity is Athene Ascent Pro 10 Bonus?
Athene Ascent Pro 10 Bonus is a fixed indexed annuity with a 10-year surrender schedule and an upfront bonus. It’s designed to provide principal protection, index-linked growth, and the option to create predictable retirement income.
How does the bonus work on Ascent Pro 10 Bonus?
The product includes an upfront bonus that is applied to your contract value or income base, depending on the strategy and rider selection. The bonus is typically subject to vesting and surrender rules, similar to other products discussed in our guide on bonus annuity pros and cons.
Is Athene Ascent Pro 10 Bonus a good fit for income planning?
Yes. Many clients use Ascent Pro 10 Bonus as part of an income strategy because it may include an optional income rider that provides guaranteed lifetime withdrawals. The bonus and roll-up features can help increase the income base for future payouts. For more context, see our page on the best retirement income annuity.
What crediting methods are available?
The annuity typically offers a mix of fixed interest and indexed strategies tied to one or more market indexes. These may use caps, participation rates, or spreads to determine credited interest. You can learn more about these mechanics in our explanations of annuity cap rates and participation rates.
Are penalty-free withdrawals available?
Like many fixed indexed annuities, Ascent Pro 10 Bonus generally allows a limited amount of penalty-free withdrawals each year after the first contract year, subject to carrier rules and any income rider provisions. For a broader overview of how this works, see our guide to annuity free withdrawal rules.
What happens if I surrender early?
Because this is a 10-year product, surrender charges and potential market value adjustments (MVAs) may apply if you take more than the penalty-free amount during the surrender period. Bonus amounts may also be subject to vesting schedules, especially in early years.
How are beneficiaries protected?
Ascent Pro 10 Bonus includes a death benefit so that remaining contract value passes to your beneficiaries, avoiding probate in most cases. Some designs offer enhanced death benefit options. For general concepts, review our page on annuity beneficiary death benefits.
Who is Athene Ascent Pro 10 Bonus best suited for?
It is often a good fit for pre-retirees and retirees who want principal protection, the potential for higher long-term growth than traditional fixed annuities, and the ability to secure guaranteed lifetime income with the help of a bonus and roll-up features.
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.
