Athene annuities: the fixed indexed annuity leader and what to check on the rate sheet

Athene has been one of the largest writers of fixed indexed annuities in the country, and it's often the first FIA quote in a comparison.

Products. Fixed indexed annuities with a range of index options and optional income riders; multi-year guaranteed annuities as well. Terms, caps, participation rates and rider fees are on the current rate sheet and change often.

Where it fits. Clients who want principal protection with index-linked growth, and clients who want guaranteed lifetime income starting at a future date.

What to check. The surrender schedule, the rider fee, the income base roll-up terms, and how the payout percentage works at the client's planned start age. The illustration should show the guaranteed income at the planned age.

Suitability. Athene's suitability review is thorough; write the rationale clearly, especially on replacements.

Process. E-application, suitability review, funds transfer for rollovers.

Client conversation. A large company with strong ratings; clients may not know the name, so lead with the structure and the ratings.

Which Athene product and rider are you placing most, and at what planned income age?