Athene MaxRate Annuity – Fixed Growth, Flexible Terms, and Retirement Security
At Diversified Insurance Brokers, we specialize in helping clients secure long-term financial stability with annuity solutions that offer guaranteed growth and tax deferral. The Athene MaxRate Multi-Year Guarantee Annuity (MYGA), issued by Athene Life and Annuity Company, is a popular choice for individuals seeking dependable fixed returns, flexible term options, and principal protection—without the unpredictability of the market.
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Stable Growth with Multi-Year Guarantees
The MaxRate MYGA allows you to lock in a guaranteed interest rate for 3, 5, or 7 years, providing predictable growth with no exposure to market fluctuations. This makes it an ideal solution for conservative investors or those nearing retirement who value safety and consistent accumulation.
Accessible for a Wide Range of Investors
The annuity requires a minimum premium of $10,000, with a maximum of $1 million without prior approval. It’s well-suited for both retirement rollovers and repositioning existing savings into a more secure, tax-deferred vehicle.
Liquidity and Access Features
After the first contract year, the Athene MaxRate allows for penalty-free withdrawals, helping you maintain financial flexibility. It also includes withdrawal charge waivers for terminal illness and nursing home confinement, giving you added peace of mind in the event of a serious health issue.
Market Value Adjustment (MVA)
If you withdraw more than the penalty-free amount or surrender the policy early, an MVA may apply. This adjustment can increase or decrease your withdrawal based on current interest rate conditions—but with proper planning, it’s often avoidable.
Lifetime Income and End-of-Term Options
At the end of the contract term, you can renew at a new guaranteed rate, take a full withdrawal, or convert the balance into a lifetime income stream, depending on your retirement goals.
Death Benefit and Probate Bypass
If the annuitant passes away, beneficiaries receive the greater of the accumulated value or the minimum guaranteed contract value, and the payout bypasses probate for faster, more efficient transfer.
Backed by Athene and Apollo Global Management
Athene is a highly rated insurer backed by Apollo Global Management and holds A+ ratings from A.M. Best, S&P, and Fitch—a testament to its financial strength and commitment to long-term stability.
Why Work With Diversified Insurance Brokers
We work with over 75 top-rated carriers to ensure our clients have access to the best annuity products on the market, including the Athene MaxRate MYGA. Whether you’re looking to protect your savings or generate guaranteed income, our team can help you choose the annuity that fits your retirement strategy.
🎯 Looking for safe, fixed growth with long-term flexibility?
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 MaxRate
What is the Athene MaxRate annuity?
Athene MaxRate is a multi-year guaranteed annuity (MYGA) that provides a fixed, guaranteed interest rate for the entire term. It is designed for conservative savers who want predictable growth without market exposure.
How does the guaranteed rate work?
The rate is locked in for the full term you select. Interest compounds annually and accumulates tax-deferred, making it a dependable option for building secure long-term savings.
What term options are available with MaxRate?
Athene typically offers multiple term choices, allowing buyers to match the length of the guarantee to their liquidity needs. Longer terms generally offer higher guaranteed rates.
Does the annuity allow penalty-free withdrawals?
Most versions include an annual penalty-free withdrawal based on a percentage of the contract value. Withdrawals above this limit may be subject to surrender charges.
Is there a market value adjustment (MVA)?
Some MaxRate terms include an MVA. If applicable, it affects early withdrawals by adjusting values up or down based on interest rate movements at the time of surrender.
Can MaxRate be used for IRA rollovers?
Yes. MaxRate frequently serves as a rollover destination for IRA, 401(k), and other qualified funds. You can review how the transfer process works in our direct rollover guide.
What happens when the guaranteed term ends?
At maturity, you may renew at the available rate, move funds to another annuity, or take a full withdrawal during a penalty-free window.
Is my principal protected with MaxRate?
Yes. Athene guarantees the return of your principal plus all credited interest, regardless of market conditions or index performance.
How does MaxRate compare to CDs?
While both offer guaranteed rates, MaxRate features tax-deferred growth and typically provides higher yields than traditional bank CDs with similar durations.
Who is Athene MaxRate best suited for?
MaxRate is ideal for savers who want a safe, guaranteed rate, predictable growth, low maintenance, and tax-deferred compounding for long-term assets.
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.
