athene balanced allocation annuity 8 surrender schedule
Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (excluding NY) and D.C., and Athene Annuity & Life Assurance Company of New York (68039), headquartered in Pearl River, NY, and issuing annuities in New York, are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. Confinement and Terminal Illness Waivers – After the first contract anniversary, you can withdraw up to 100% of your annuity‘s value if you, as the Owner, are diagnosed with a Terminal Illness or an illness or serious injury necessitates a stay of 60 consecutive days or more at a Qualified Care Facility. The MVA does not apply to Free Withdrawals, RMDs or payments made under the Confinement and Terminal Illness waivers. ** *********** *** *** ********** ** *** ********** ** ****** ** *** **** ********** ******, ******** ********* **** ********* ******* **** ******** *** ********** ****** **** ** ******* ** *** *** ** *** ********** ****** ***** ********** ******. In general, the longer you wait to take income, the greater the initial Lifetime Income Withdrawal Percentage will be. Taxes may apply. Product features, limitations and availability vary; please contact your insurance professional to see the Certificate of Disclosure for costs and complete details. Minimum Interest Credit (MIC) – If at the end of your withdrawal charge period, the total interest credited to your Accumulated Value is less than the Minimum Interest Credit, you will automatically receive a one-time interest credit equal to the difference. This product is not available in *** *** *** *** *** *** *** *** ***. *** ********** *** ******** ** ******** *** ****** ******** **** *** *******. The IES adds Interest Earnings, if any, to your annuity at the end of every two-year term. Athene BCA 2.0 [ANN19 (01/19), ANN19CS06 (01/19), ANN19CS08 (01/19), ANN19CS10 (01/19), ANN19CS12 (01/19)] or state variation, Family Endowment Rider [PBEDB (01/19), PBEDBRS (01/19)] or state variation, Balanced Allocation Lifetime Income Rider [ANNIRS (01/19), ANNIRSRS (01/19), ANNIRF (01/19), ANNIRFRS (01/19)] or state variation are issued by Athene Annuity and Life Company, West Des Moines, IA. The @annuityName@ is a single premium fixed indexed deferred annuity designed for preservation as well as long-term accumulation of y --[ subscription required to view full text ]-- *** @***********@ ** * ****** ******* ***** ******* ******** ******* ******** *** ************ ** **** ** ****-**** ************ ** **** ********** *******, *** @***********@ ** *** * ******** *** **** *** ******* * **********. * *** ****** *** ** ****** ** *** ********* ** **** ******* ****. Market Value Adjustment (MVA) – The MVA feature applies during the Withdrawal Charge period to a surrender or Withdrawals in excess of the Free Withdrawal amount. *** *** ** ***** ** *** ******* ** *** **-**** ******** ******** ******** ****** **** ********* ** *** ******* *******.

The Accumulation Value will be reduced by any applicable charges and withdrawals.3 Interest Earnings are credited every two years. Interest Earnings, if any, are credited to the Income Base until the earlier of Lifetime Income Withdrawals beginning or the 10th contract anniversary (or up to the 18th anniversary if the Income Base growth is extended). The Minimum Interest Credit is not available if the Balanced Allocation Lifetime Income Rider® (BALIR®) is attached to the Contract. NO BANK/CREDIT UNION GUARANTEE. *** ******* *** *** * ***** ******** ********** ******** ****** ** ********** *** ** ******** ********** *** ********** ****** ******. *** @***********@ ****** *** ***** (*) ********* ******** ********* ******* ** ****** ****. h޼��n�8��`߁?

Withdrawals and the surrender of the Contract may be subject to federal and state income tax and, except under certain circumstances, will be subject to an additional tax if taken prior to age 59½. *****************: **** ****** **** ***** 2 The Free Withdrawal amount is 5% of the Accumulation Value in the first year and 10% of the Accumulation Value for all remaining years. ** ******** ** ******** ***** ********* ******* ** * ******** ***, ***** * ******* ** ******** ***** ********* ******* ** * ******** ***. **** ****** ****** *** ********** ** ***** *** ******** **** ********** **** ** **** ** *** ******** ********** ********™ ******** ********* *******. When you’re ready to begin Lifetime Income Withdrawals, SGO Max and Flex Growth offer the following options: The Inflation-Indexed Income Option and Earnings-Indexed Income Option offer less initial income than the Level Income Option but may provide more income over your lifetime due to potential increases after beginning Lifetime Income Withdrawals. h�bbd```b``�"�A$S�d���@$�0iYf/�:`0�L>�d�H�()�"�[A$�,�dt���A�1X c4����$��i���QL��Ez@$��Lm����/��y?��u �O,V)����Aq&`����qP����0 ��� NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. ***** *** ** **** ****** ** *** ******** **** *** ** ******** ***** *** ********. This adjustment is in addition to any Withdrawal Charge amount. *** @***********@ ******** *** ****** ** * *********** ***** *******, *** ****** *** ********* *** ****** ****-**** ************. This information is available with any of these subscriptions: An affordable, full access subscription, for the individual broker, Multiple users with administrative control over the products, features and content displayed. The graph below shows how the Balanced Allocation Value (BAV) is tracked every day and Interest Earnings, if any, are locked in every two years. You can earn interest based in part on the positive movement of the indicies attached to your selected Index Earning Strategy (IES) at the end of each two-year Strategy Term Period. State variations apply. The BalancedAllocation Annuity™ keeps your retirement savings secure by guaranteeing that your premium and the interest that is credited to your Contract can never be lost to market downturns. ** * (* - *) * */**, *****: Products not available in all states. Gains to-date are not credited on Lifetime Income Withdrawals or to withdrawals in excess of the Free Withdrawal amount. Balanced Allocation Lifetime Income Rider (BALIR) – The BALIR is an optional rider that must be elected at contract issue and is available for an annual Income Rider Charge. Please reach out to your insurance professional if you have any questions about Athene products or their features.

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