Download Report

An Optional
Income Rider
The Power of 10% Simple Interest
Your clients’ Income Base1 can DOUBLE in 10 years with an Income Base
Guaranteed Simple Interest Rate of 10%!2
It doesn’t have to stop at year 10. Clients receive a 10% roll-up rate for 10 years and 5% for the next 10 years that’s
credited to the Income Base —guaranteed. That’s up to 20 years of outstanding growth!
Guaranteed simple interest
during the accumulation period
How Income Grows
Initial Premium of $100,000
Athene’s Income AspectSM rider3 is a great solution for
clients who:
$260,000
• Want to know exactly what they’re going to
$240,000
accumulate each year
$220,000
• Want a strong performer for the initial
$200,000
for example in 10 years
Simple vs. Compound Interest
Initial Premium of $100,000
End of
Contract Year
10% Simple
Interest
7% Compound
Interest
1
$113,000
$110,210
2
$123,000
$117,925
3
$133,000
$126,179
4
$143,000
$135,012
5
$153,000
$144,463
6
$163,000
$154,575
7
$173,000
$165,395
8
$183,000
$176,973
9
$193,000
$189,361
10
$203,000
$202,617
This hypothetical example shows simple interest credited at 10% years
1-10 and compound interest at 7%, assuming no withdrawals are taken.
Assuming 3% bonus applied to Income Base.2
The Income Base is different than the Accumulation Value and cannot
be withdrawn.
2
Each year, simple interest is calculated on the original premium amount
less any withdrawals. Interest is not credited on previously accrued interest.
Withdrawals will reduce the Income Base and the base for which simple
interest is calculated. The Income Base is not credited with simple interest
after Lifetime Income Withdrawals have started. Income Base Guaranteed
Simple Interest Rate varies by premium band and state variations may apply.
3
This optional rider is offered, for a charge, with the Athene Ascent 10,
Athene Ascent 10 Bonus, Athene Ascent 10 Bonus Select and Athene Ascent
1
65042
End of Year Income Base
accumulation years
• Want to take income earlier in their contracts,
Hypothetical Example
$180,000
$160,000
$140,000
$120,000
$100,000
$80,000
$60,000
$40,000
$20,000
0
1
1011
20
Contract Year
$10,000 Simple Interest
Credited Annually
$5,000 Simple Interest
Credited Annually
End of Year Simple Interest Credited
Beginning of Year Income Base
This hypothetical example shows simple interest credited at 10%
($10,000) years 1-10 and 5% ($5,000) years 11-20, assuming no
withdrawals are taken. Assuming 3% bonus applied to Income Base.2
10 Bonus Pro fixed indexed annuities and can only be elected at issue with
the purchase of the Annuity Contract.
Athene Ascent 10 [GEN10 (07/14) NB], Athene Ascent 10 Bonus [GEN10
(07/14)], Athene Ascent 10 Bonus Select [GEN10 (07/14) SR], Athene Ascent
10 Bonus Pro [TBS10 (09/12)] and Athene Income Aspect [IR (07/14)] or
state variations are issued by Athene Annuity and Life Company, West Des
Moines, IA. Please see their Certificates of Disclosure for details. Product
features, limitations and availability vary. Products not available in all states.
Rates as of 03/16/2015 and are subject to change.
For agent or internal use only. Not to be used with the offer or sale of annuities.(02/15)