This document summarizes the key features and benefits of the Athene Agility fixed indexed annuity. It discusses how the annuity provides growth potential through indexed crediting strategies while protecting against downside risk. It also describes how the annuity offers lifetime income through rider benefits as well as access to funds through liquidity features. The document provides an overview of Athene Annuity and Life Company's financial strength ratings to demonstrate its stability and ability to pay benefits.
Discover how to save more than $100,000 in 15 years or less with this step by step action plan to get your personal finances under control. Learn about saving, investing and budgeting. Learn how to pay down debt and stay out of debt, to increase your money-making efforts. If you've been struggling to earn more money, make the money you have go to work for you. http://amzn.to/1SIpgHz
Understanding annuities once and for allKirk Ashburn
Your guide to understanding the fundamentals of annuities, including their pros and cons, in an easy to understand manner so you can make an educated decision. Is guaranteed income for the rest of my life important to me? Is protecting the downside of my investment important to my family? Will I sleep better at night knowing that my investment will not lose value if the market drops tomorrow?
Certified financial planners | Equity Indexed Annuities | Retirement planningFind Me An Advisor™
This presentation from Find Me An Advisor™ will guide you through, how you can grow your retirement money with help of Certified Financial Planners with investment options like; equity indexed annuities, variable annuities and more to boost your retirement planning.
WFG - Building Better Financial Futurespetervinhong
This business presentation provides an overview of what World Financial Group believes and it\'s mission to help people have better financial futures. It also explains why someone would want to take advantage of the WFG business opportunity.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
Principal Retirement Advisors offers a first-of-its-kind one-stop solution to help you achieve your key financial goals and attain a financially independent and secured retirement. We offer advisory services on a wide range of products including Mutual funds, Fixed-income products, Gold ETFs and insurance for individual investors across all life stages.
The Anti-annuity is Single Premium Indexed Universal Life. We explain its primary uses, its tax saving abilities and how it can be used with annuities or qualified money. The Anti-Annuity works similar to an annuity however your money is liquid. The purpose of this book is to help you understand how the Anti-Annuity works, so that you will be educated and make the right choice if you choose to use this powerful tax-saving tool.
WFG - Helping People Create Better Financial Futurespetervinhong
This presentation gives an overview of why WFG associates go to work each day: to build and protect wealth for families and individuals. It overviews the six components of WFG\'s financial needs analysis and describes fundamental financial concepts and strategies - such as the rule of 72 - that can help people secure their financial futures.
Discover how to save more than $100,000 in 15 years or less with this step by step action plan to get your personal finances under control. Learn about saving, investing and budgeting. Learn how to pay down debt and stay out of debt, to increase your money-making efforts. If you've been struggling to earn more money, make the money you have go to work for you. http://amzn.to/1SIpgHz
Understanding annuities once and for allKirk Ashburn
Your guide to understanding the fundamentals of annuities, including their pros and cons, in an easy to understand manner so you can make an educated decision. Is guaranteed income for the rest of my life important to me? Is protecting the downside of my investment important to my family? Will I sleep better at night knowing that my investment will not lose value if the market drops tomorrow?
Certified financial planners | Equity Indexed Annuities | Retirement planningFind Me An Advisor™
This presentation from Find Me An Advisor™ will guide you through, how you can grow your retirement money with help of Certified Financial Planners with investment options like; equity indexed annuities, variable annuities and more to boost your retirement planning.
WFG - Building Better Financial Futurespetervinhong
This business presentation provides an overview of what World Financial Group believes and it\'s mission to help people have better financial futures. It also explains why someone would want to take advantage of the WFG business opportunity.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
Principal Retirement Advisors offers a first-of-its-kind one-stop solution to help you achieve your key financial goals and attain a financially independent and secured retirement. We offer advisory services on a wide range of products including Mutual funds, Fixed-income products, Gold ETFs and insurance for individual investors across all life stages.
The Anti-annuity is Single Premium Indexed Universal Life. We explain its primary uses, its tax saving abilities and how it can be used with annuities or qualified money. The Anti-Annuity works similar to an annuity however your money is liquid. The purpose of this book is to help you understand how the Anti-Annuity works, so that you will be educated and make the right choice if you choose to use this powerful tax-saving tool.
WFG - Helping People Create Better Financial Futurespetervinhong
This presentation gives an overview of why WFG associates go to work each day: to build and protect wealth for families and individuals. It overviews the six components of WFG\'s financial needs analysis and describes fundamental financial concepts and strategies - such as the rule of 72 - that can help people secure their financial futures.
Guide to Earning Income from Corporate Bonds Asma Butt
Supercharging your savings and investments. WiseAlpha has published a guide to wealthbuilding from the institutional corporate bond asset class to help every day investors earn superior income. Until now, the banking market has prevented everyday investors who cannot afford £100,000 to £1,000,000 per single investment from accessing the institutional corporate bond market. This is where the biggest and most well-known companies issue their bonds. The focus of arranging banks is to provide these bond investments to pension funds, bond funds and banks. We believe the WiseAlpha marketplace is the only is the only one in the world that gives investors of all size the chance to build an institutional bond portfolio. Learn more in our free guide. Capital at risk. Invest via our Notes.
Option to the stock market. Indexed to market but no loss on down years.
Lifetime income
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Are you familiar with the high cost of cancer? Even if you have health insurance, deductibles and co-payments can run in the 10's of thousands of dollars.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
1. 1
35000 (01/16/21)
This material is provided by Athene Annuity and Life Company (61689) headquartered in West Des Moines,Iowa,which issues annuities in 49 states (excluding NY)
and D.C.Products not available in all states.
Athene Agility
SM
Fixed Indexed Annuities
When plans change,
you need agility.
2. 2
Pleaserefertobackpage forfootnotes.
Athene — a different kind of company.
At Athene Annuity and Life Company, a subsidiary of Athene Holding Ltd., we
know that unconventional times demand unconventional thinking. We’re driven to
deliver innovative solutions that help you outperform in our increasingly complex
financial world.
A leader in annuities.
The Athene group of companies embodies strength and stability, now and in
the future. Our drive, discipline and confidence can help you achieve more.
One of the largest providers of fixed and
fixed indexed annuities in the United States.
Athene trades on
the New York Stock
Exchange under the
symbol "ATH."
Founded in 2009.
Through our acquired
companies, we have
served customers for
more than 100 years.
Policyholder protection
is, and has always been,
our first priority.
Financial strength ratings2
A.M. Best S&P Fitch
A A A
$146.9 billion in total GAAP assets1
$132.7 billion in total liabilities
$13.4 billion in total GAAP
AHL shareholder's equity
A.M. Best 3rd highest of 16
S&P 6th highest of 21
Fitch 6th highest of 19
3. 3
What is your plan for retirement?
Not sure? You're not alone.
Percentage of Americans that feel behind or unsure about their
retirement savings.1
What if your plans change?
Even the best laid plans can change.
Percentage of retirees who stopped working earlier than they
planned, mainly due to health reasons or job loss.2
Looking for a product that can adapt with your
retirement needs? Athene Agility delivers.
None of us know what doors might open or close for us during retirement. Athene Agility is a fixed
indexed annuity that adapts to your needs whether for growth, income or help with the unexpected.
It gives you the flexibility, security and confidence to reach for the retirement of your dreams.
You can rely on growth that is
protected from stock market
risk or losses. While it’s
possible to earn zero interest
if the market declines, you’ll
never earn less than zero. Any
interest you earn is “locked
in” and can’t be lost to future
downturns. You are not
directly investing in any index
or stocks.
You can receive a guaranteed
“retirement paycheck.”
When you’re ready, you can
create a stream of income that
may grow throughout your
retirement years.
You have access to your
money when you need it
most. Plans can change,
especially when the
unexpected happens.
Athene Agility’s liquidity
and income features
can help make sure
you’re prepared.
1
"Survey:MorethanhalfofAmericanworkerssaytheyarebehindinsavingforretirement,"Bankrate,November21,2019,https://www.bankrate.com/surveys/
financial-security-poll-november-2019/.
2
"2020RetirementConfidenceSurveySummaryReport,"EBRI2020,https://www.ebri.org/docs/default-source/rcs/2020-rcs/2020-rcs-summary-report.pdf.
72%
48%
4. 4
4
Looking for growth and protection?
Athene Agility delivers.
Grow your annuity’s value with interest credits.
Earn interest by allocating your annuity’s Accumulated Value to interest crediting
strategies. The Accumulated Value equals the money you used to purchase your
annuity, plus any interest you earn, minus any withdrawals.
Indexed Crediting Strategies
Athene Agility annuities offer a variety of
1 and 2-year index interest crediting strategies.
These give you the potential to earn interest
based in part on the upward movement of
a stock market index. You’re guaranteed to
never earn less than 0% interest.*
The Index Strategy Disclosure and
Allocation Form shows how we calculate
index interest credits.
Fixed Crediting Strategy
The fixed strategy provides a guaranteed rate
of interest that is credited to your annuity daily.
Athene declares the guaranteed rate for this
strategy each Contract Year.
*
PleaseseetheIndexStrategyDisclosureandAllocationFormInsert
formoreinformation.NotethatAthenemayaddoreliminateindexed
strategiesfromtimetotime.Aspecificstrategymaynotbeavailablefor
thelifeofyourcontract.
5. 5
Athene Agility gives you the opportunity
to grow value and lock in gains.
Your money is not directly exposed to the risks
of the stock market or individual stocks. Athene
guarantees you will not lose money due to stock
market risk or losses.
$350,000
$300,000
$250,000
$200,000
$150,000
$100,000
$50,000
$0
12/31/05 12/31/13 12/31/20
S&P 500®
Athene 1-Year Point-to-Point Index Strategy — S&P 500®
Thishypotheticalexampleassumes$100,000initialpremium,1-YearPoint-to-PointIndexStrategy,5%annualcap.Thecontractwasheldfor15years
andnowithdrawalsweretaken.Thisexampleisforinformationalpurposesonlyandisnotindicativeofpastperformance,norintendedtopredictfuture
performanceofanyspecificproduct.
5
Even if the market goes down, the
growth already received in the
Accumulated Value will not be lost.
Each Contract Anniversary, any interest
credits earned are “locked in.”
6. 6
Build a Benefit Base that prepares
you for the future.
An Income and Death Benefit Rider is included automatically at no additional charge with the
Athene Agility annuity. When you purchase your annuity, a Benefit Base is set up for your rider.
Your Initial Benefit Base includes a bonus.
The initial value of the Benefit Base is equal to the premium used to purchase
your annuity, plus a bonus.
What your Benefit Base does.
The Benefit Base helps determine your Lifetime Income Withdrawal amount
and Rider Death Benefit. It has no cash value or surrender value and cannot be
withdrawn in a lump sum.
Waiting period.
There is a waiting period before you can begin Lifetime Income Withdrawals.
You must hold your annuity until the end of the Withdrawal Charge Period
and be at least 50 years old before you can use the rider’s income benefit.
There is no waiting period for the Death Benefit.
It’s during these important waiting period years that your Benefit Base has the
opportunity to grow. The bigger the Benefit Base, the greater the income
payment or death benefit amount you may receive.
6
7. 7
7
Here’s how your Benefit Base is built:
Initial Premium
+ Benefit Base bonus
+ Benefit Base interest credits, if any
– Withdrawals from your annuity1
= Benefit Base
Your Benefit Base will continue to receive
Interest Credits — even while you’re getting
your “retirement paycheck.”
Prior to starting income, your Benefit Base will increase
by 175% of any Interest Credits that are added to your
annuity’s Accumulated Value. Once you start receiving your
retirement paycheck, your Benefit Base will continue to grow
by 175% of any interest credits you earn. This provides you
with an enhanced Death Benefit.2
1
Withdrawalsaretakenfromyourannuity'sAccumulatedValueandtheBenefitBaseisreducedproportionally.Thismeans
theBenefitBaseisreducedbythesamepercentagethattheAccumulatedValueisreducedforthewithdrawal.
2
TheRiderDeathBenefitcannotbetakeninalumpsum.Itcanbetakenoveraperiodoftimedeclaredbythecompany,and
guaranteednottoexceed10years.
7
An Income and Death
Benefit Rider is included
automatically at no
additional charge with the
Athene Agility annuity.
8. 8
Looking for income down the road?
Athene Agility delivers.
Create income you can't outlive with Lifetime Income Withdrawals.
You can begin taking Lifetime Income Withdrawals once the waiting period is over.
Your withdrawal amount depends on the value of your Benefit Base, and your age
when you start receiving income.1
Receive a “retirement paycheck” guaranteed for life.
Your income payments are guaranteed for life as long as you don’t exceed
the maximum Lifetime Income Withdrawal amount.2
Ready for income? Choose single or joint life withdrawals.
Select single life withdrawals to receive income for the duration of your
lifetime, or joint life withdrawals to provide an income stream over the
lifetimes of you and your spouse. Payments can be taken monthly, quarterly
or annually.
Your income amount may increase over time.
With Athene Agility, your income may keep increasing after you start Lifetime
Income Withdrawals. That’s because each year, your income amount may
grow by 100% of the interest rate credited to your Accumulated Value. Even
if your Accumulated Value goes to zero, you may still receive an increase in
your income.
1
Withdrawalsandsurrendermaybesubjecttofederalandstateincometaxand,exceptundercertaincircumstances,willbesubjecttoanIRSpenalty
iftakenpriortoage591/2.Withdrawalsarenotcreditedwithindexinterestintheyeartheyaretaken.Withdrawalsinexcessofthefreeamount
aresubjecttoaWithdrawalChargeorMarketValueAdjustments(MVA) whichmayresultinthelossofprincipal.Withdrawalsarebaseduponthe
AccumulatedValueofthelastContractAnniversary.
2
LifetimeIncomeWithdrawalsmaybereducedormaystopifyoutakeExcessWithdrawalsfromyourcontract.IfExcessWithdrawals,Withdrawal
ChargesorMVAsreducethecontract’sAccumulatedValuetozero,yourLifetimeIncomeWithdrawalPaymentswillstopandtheriderwillterminate.
3
ThisbenefitisNOTlong-termcareinsurancenorisitasubstituteforsuchcoverage.
4
TheIRSrequiresindividualstotakearequiredminimumdistribution(RMD)eachyearonceyoureachtherequiredbeginningageestablishedbyfederal
taxlaw. Historically,federaltaxlawsettherequiredbeginningageforRMDsatage70½. FederallegislationenactedinDecember2019increasedthe
requiredbeginningagetoage72forthosewhoreachtheageof70½onorafterJanuary1,2020.Thiswouldmeanthatthosereachingage70½in
2019orearlierwouldneedtocontinuetotakeRMDsin2020.
ThedeadlinefortakingRMDsisDecember31eachyear.YoumaydelaytakingyourfirstRMD(andonlyyourfirst)untilApril1oftheyearafteryou
reachtherequiredbeginningage.IfyouchoosetodelayyourfirstRMD,you'llhavetotakeyourfirstandsecondRMDinthesametaxyear.Ifanaccount
ownerfailstowithdrawtheRMD,failstowithdrawthefullamountoftheRMDorfailstowithdrawtheRMDbytheapplicabledeadline,theamountnot
withdrawnistaxedat50%.
5
Withdrawalsandsurrendermaybesubjecttofederalandstateincometaxand,exceptundercertaincircumstances,willbesubjecttoanIRSpenalty
iftakenpriortoage59½.Withdrawalsarenotcreditedwithindexinterestintheyeartheyaretaken.Withdrawalsinexcessofthefreeamountare
subjecttoaWithdrawalChargeorMVAwhichmayresultinthelossofprincipal.WithdrawalsarebasedupontheAccumulatedValueofthelastContract
Anniversary.
6
TheRiderDeathBenefitPayoutPeriodiscurrentlysettofiveyearsandisguaranteednottoexceed10years.PleasecheckwithAtheneforthecurrently
declaredRiderDeathBenefitPayoutPeriod.Afterannuitization,paymentswillbeconsistentwiththeSettlementOptionselected.Taxesmayapply.
8
9. 9
Looking for help with the unexpected?
Athene Agility delivers.
Double your withdrawal amount with the Enhanced
Income Benefit.3
What if you’re confined to a Qualified Care Facility, such as a nursing home?
As long as you meet eligibility requirements, your Maximum Lifetime Income
Withdrawal amount will be doubled until your Accumulated Value is reduced
to zero. The Enhanced Income Benefit Rider is automatically built in to your
annuity contract at no additional charge.
Annual Free Withdrawals
Each year, you can withdraw the greater of 10% of your initial premium or 10%
of your annuity’s Accumulated Value, without incurring a Withdrawal Charge
or Market Value Adjustment (MVA). Your withdrawal amount cannot exceed
the current Accumulated Value.
Required Minimum Distributions (RMDs) are IRS mandatory withdrawals
required with qualified contracts (such as an IRA).4
These withdrawals from
your annuity contract are considered part of your free withdrawal, free of
Withdrawal Charges and MVA for the Contract Year.
What if plans change and you need to take out more than
your free withdrawal amount?
If you exceed the free withdrawal amount, a Withdrawal Charge and MVA
will be applied to the amount over the free withdrawal amount. For more
information, see the Product Details Insert provided with this brochure.5
Leave a legacy.
Your annuity can offer your loved ones a quick source of funds to settle matters
after your death. Even when you are taking Lifetime Income Withdrawals, your
Benefit Base may continue to grow. Your beneficiary may choose either your
annuity's full Accumulated Value in a lump sum or the Benefit Base, paid out
equally over a period not to exceed 10 years.6
11. 11
Important information to have on hand.
Athene Agility annuities are designed to meet your long-term savings and retirement
needs. They include a Withdrawal Charge period. If you withdraw more money than
the free amount allowed by your contract, or if you surrender the annuity before the
Withdrawal Charge period ends, a Withdrawal Charge and MVA may be applied.
These charges do not apply to free withdrawals, RMDs, Lifetime Income Withdrawals,
payments made in settlement of your annuity’s Death Benefit or Confinement and
Terminal Illness waivers. For more information, see the Product Details Insert provided
with this brochure.2
Withdrawal Charges
If you surrender your annuity or withdraw an amount that exceeds the free
withdrawal amount during the Withdrawal Charge period, you will incur a
Withdrawal Charge. In part, Withdrawal Charges allow the company to invest
your money on a long-term basis and generally credit higher yields than possible
with a similar annuity of shorter term. For more information, see the Product
Details Insert provided with this brochure.2
Market Value Adjustment
A Market Value Adjustment applies to withdrawals in excess of the free
withdrawal amount and full surrenders during the Withdrawal Charge period.
If you take an excess withdrawal before the end of your Withdrawal Charge
period, an MVA will be applied to that excess withdrawal. If interest rates in the
market are higher than when you purchased your annuity, the MVA is negative,
meaning an additional amount is deducted from your contract value. The MVA
may increase or decrease the amount of the Withdrawal or Cash Surrender Value
of your Contract depending on the change in interest rates. If interest rates
have increased, stayed the same, or decreased by less than 0.25%, the MVA will
be negative. If interest rates have decreased by more than 0.25%, the MVA will
be positive.3
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