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Product Information

The ATHENE MaxRate® Multi-Year Guarantee Annuity (MYG) is a modified single premium deferred annuity contract that offers client asset growth they can rely on with guaranteed interest rates. In addition, ATHENE MaxRate with Enhanced Liquidity offers clients a guaranteed interest rate, plus the ability to access a portion of their accumulation value without charges.


This MYG series offers a simple product design so your customers can choose the ATHENE MaxRate product that best meets their needs — either one that maximizes the rate or one that strikes a balance between rate and liquidity. Please see the product spec sheet for more information.

Issue Ages:

0–80 Qualified & Non-Qualified

Initial Premium:

$10,000 minimum
$1,000,000 maximum — Larger amount considered with company approval

Withdrawal Charges (%)*:

  • 5 Year Contract: 7, 6, 5, 4, 3
  • 7 Year Contract: 7, 6, 5, 4, 3, 2, 1

A reduced withdrawal charge schedule applies to subsequent 5 year guarantee periods.

  • 5 Year Contract: 5, 4, 3, 2, 1
  • 7 Year Contract: 5, 4, 3, 2, 1
  • Maximum Subsequent Guarantee Period Withdrawal Charges are based on Attained Age (age on last contract anniversary):
Attained Age Maximum Withdrawal Charge
94 4
95 3
96 2
97 1
98-100 0

Income Options:

Available after the first contract year. Income options are based on the full accumulation value. Options available include:

  • Fixed period
  • Life income
  • Life income with certain periods of 10 or 20 years.

ATHENE MaxRate Enhanced Liquidity

Clients can select Enhanced Liquidity, which can be used to help offset future expenses should they arise through the following waivers:

  • 10% Free Waiver
  • Substantially Equal Periodic Payments Waiver
  • Confinement Waiver
  • Terminal Illness Waiver
  • Required Minimum Distribution Waiver

Please note: if multiple waivers apply, the waiver that provides for the highest free withdrawal will be used, not the sum of all applicable waivers. A withdrawal taken in excess of the applicable waiver may be subject to a withdrawal charge and market value adjustment.

* Withdrawals prior to age 59 1/2 may be subject to a 10% IRS penalty. For agent use only. Not to be used with the offer or sale of annuities.