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Athene Annuity & Life (MultiChoice Series)

MultiChoice Income Elite

(RETIRED)

A Fixed Indexed Annuity with a 10-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : B++		Moody's: A1		Standard & Poor's: A

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
Band $5,000+	Cap	Part Rate	Cap	Part Rate
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)	***	***	***	***
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)	***	***	***	***
1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®)	***	***	***	***
1-Year Point-to-Point Index Strategy	***	***	***	***
1-Year Point-to-Point Participation Index Strategy	***	***	***	***
Fixed Strategy (Rate guaranteed for 1 Year)	.* %		.* %
Band $75,000+	Cap	Part Rate	Cap	Part Rate
1-Year Point-to-Point Guaranteed Cap Index Strategy (Dow Jones EURO STOXX 50®)	***	***	***	***
1-Year Point-to-Point Guaranteed Cap Index Strategy (Hang Seng Index)	***	***	***	***
1-Year Point-to-Point Guaranteed Cap Index Strategy (S&P 500®)	***	***	***	***
1-Year Point-to-Point Index Strategy	***	***	***	***
1-Year Point-to-Point Participation Index Strategy	***	***	***	***
Fixed Strategy (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

The @annuityName@® is a Fix --[ subscription required to view full text ]--
*** @***********@® ** * ***** ******* ******** ******* ***** ** ******** *** **** **** ********** *******. *** @***********@® ****** ******** ******** ********* **********. **** ******* ******* **** ** ********* ** *** ********** ***** ** *** ********** *********** *** ******. *** ********** ******** **** ***** *** ******** ** ****** **** ** ******** ** *** ***** ******** *** *********** ** **** ******** ********** ** *** **** ******** ***********. *** ******** ********* ********** ********* ********* **** *** @***********@® *** ********* *****.

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

State Specific Notes

The MVA is not avail --[ subscription required to view full text ]--
*** *** ** *** ********* ** *** ********* ******, ********, *******, *********, ********, ******, ************, **** ** **********.

MVA Explanation

A Market Value Adjustment (MVA) is an adjustment made to yo --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 11/19/2010
Commissions are ***** *** * *** * *** * ** ***** ***.

MultiChoice Income Elite

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Ages 76-78

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Option 2

MultiChoice Income Elite

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 76+

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Option 3

MultiChoice Income Elite

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 76+

Year 1

Year 2

Year 3

Year 4

Year 5

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Related Information

Available Subscriptions

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Additional Information

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