Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

Farmers CSR for 4 Years

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

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The Brief

  • Athene Annuity and Life Company offers annuities and life insurance products to seniors who are planning their retirement
  • If you are already saving for retirement, if you’re under 60 and don’t plan on needing your annuity soon, or if you are worried your savings may run out someday, an annuity might be a good option for you
  • Athene’s company website allows you to view your policy, make changes to your policy, and chat with a company representative

If you’re searching for a life insurance company, you may want to consider the Athene Annuity and Life Company. Athene Annuity and Life offers life insurance products and annuities, and the company caters to people who want to plan wisely for retirement, are nearing retirement, or who need annuities and life insurance for seniors over 60.

To learn more about Athene and the annuities and life insurance options with the company, continue reading this Athene Annuity and Life Company review. Then, be sure to find and compare quotes from other life and annuity companies to make sure you don’t end up overpaying for insurance coverage.

You can use our free quote tool above to find and compare rates for life insurance and annuities to see how much you could save today. 

What does Athene Annuity and Life offer?

Athene’s major products lie with its annuity options. With Athene, you have the chance to purchase the following types of annuities:

  • Fixed indexed annuities (FIAs)
  • Registered index-linked annuities (RILAs)
  • Fixed annuities
  • Immediate annuities

If you’re new to the concept of annuities, you may want to do some more research to know whether an annuity would work best for you when it comes to planning for your future.

Essentially, annuities help ensure that you don’t outlive your retirement fund once you’re no longer working. With an annuity, you can continually grow your savings while simultaneously creating a guaranteed income source so you can retire without worrying whether you’ll have enough money.

Annuities are considered by many people to be a type of investment in your future, but most annuities are contracts that you hold with an annuity or life insurance company. This means that, so long as you follow the rules and don’t break the contract of your annuity, you will always receive specific guarantees.

With most annuities, you can expect a cash-deferred growth on which you will not pay any taxes until you withdraw funds. Your money in an annuity can grow, but it can also allow you to better manage your risk of loss. This level of risk management makes many clients feel safe when planning for their futures.

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What types of annuities does Athene offer?

Because there are different types of annuities, you may be curious whether one would work the best for you and your future.

With an FIA, your principal is well protected from the potential of loss because the investments with this type of annuity are measured, and you don’t actually have to own stocks. You may have the option to purchase additional riders with an FIA, but it will depend on the situation.

RILAs come with the option to assume some of the risk associated with a loss from the downturn of any specific stock market. Because of this, a RILA often offers the option of a greater growth potential than an FIA or other annuities on the market.

Fixed annuities provide a tax-deferred growth at a fixed rate that will not vary. This rate is set for a specific amount of time in an annuity contract. This type of annuity offers you the opportunity to produce an absolute and guaranteed stream of retirement income that you will not outlive.

Lastly, immediate annuities are the most predictable of the options Athene offers. You pay the company an amount of money, and the immediate annuity pays you a guaranteed amount for a specific period of time. This period can differ from one annuity to the next.

Should I get an annuity with Athene?

If you are planning for your retirement, you may be curious whether an annuity would work well for you. The following checklist may help you decide whether you’re in a good place to purchase an annuity and reap the benefits of your decision.

You may want or need an annuity if:

  • You’re already saving for retirement with a work-sponsored 401-k or RothIRA plan
  • You don’t anticipate needing the money before you turn 60
  • You think there’s potential for you to outlive your savings
  • You want to leave a legacy, such as a death benefit

If you meet these criteria, consider calling and speaking with an Athene representative to see whether an annuity is right for you. But if you need life insurance for seniors over 80, you may want to consider options with other companies.

Regardless of what you choose, don’t forget to find and compare quotes from other companies so you can avoid overpaying for the coverage you want. 

Does Athene have a helpful website?

The Athene company website allows you to view the company’s annuities and offers a great deal of information for anyone interested in an annuity. Policyholders can use their Athene.com login to access specific information on Athene’s website concerning their policies.

Using the Athene Annuity and Life Company login can also allow policyholders to speak to a representative or agent if they have any questions about their policies.

If you are interested in learning more, you can call the Athene Annuity and Life Company phone number or even mail your questions to the Athene Annuity and Life Company address if you would prefer those methods rather than using the company’s website.

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Should I get life insurance with Athene?

Athene’s annuities may be a good option for you, but the only way to know for sure is to assess where you are, what you need, and what type of annuity or life insurance policy will help with that the most. 

If you decide that you do want to purchase an annuity, you can speak with an Athene agent to get more information and ask for a quote. But you should also pursue quotes from other companies to compare prices and choose the option that works best with your budget.

In fact, you can use our free quote tool below to find and compare life insurance policies and annuities that would work best for you.


Frequently Asked Questions

What is Athene Annuity and Life Insurance Company?

Athene Annuity and Life Insurance Company is a leading provider of annuities and life insurance products. It is a subsidiary of Athene Holding Ltd., a well-established financial services organization. Athene offers a range of annuity products, including fixed annuities, indexed annuities, and variable annuities, as well as life insurance policies.

What types of annuities does Athene offer?

Athene offers various types of annuities to meet the needs of different individuals. These include:

  • Fixed Annuities: Fixed annuities provide a guaranteed interest rate for a specified period, offering stability and predictable income.
  • Indexed Annuities: Indexed annuities allow policyholders to participate in market gains while providing protection against market downturns.
  • Variable Annuities: Variable annuities offer investment options within the annuity, allowing policyholders to potentially benefit from market performance.

What are the benefits of Athene annuities?

The benefits of Athene annuities may include:

  • Retirement income: Annuities can provide a steady stream of income during retirement, helping to supplement other sources of income such as Social Security or pensions.
  • Tax advantages: Annuities offer tax-deferred growth, meaning you don’t pay taxes on earnings until you withdraw them.
  • Flexibility: Athene annuities often come with various features and options that allow you to tailor the annuity to your specific needs and preferences.
  • Financial protection: Annuities can provide a level of financial protection by ensuring you have a source of income in retirement or beneficiaries receive a death benefit.

How can I purchase an Athene annuity or life insurance policy?

To purchase an Athene annuity or life insurance policy, you can contact Athene directly or work with a licensed insurance professional who represents Athene products. They can provide you with information about available options, assist with the application process, and help you understand the features and benefits of the products.

What is Athene’s financial strength rating?

Athene Annuity and Life Insurance Company has received strong financial strength ratings from reputable rating agencies. As of 2023, the company’s ratings include an “A” rating from A.M. Best, an “A-” rating from Fitch Ratings, and an “A-” rating from Standard & Poor’s.

Can I surrender or withdraw money from my Athene annuity?

Athene annuities typically allow for surrender or withdrawal of funds. However, it is important to review the terms and conditions of your specific annuity contract as there may be surrender charges or limitations on withdrawals, especially during the surrender charge period. Contact Athene’s customer service for guidance and information regarding surrender or withdrawal options.

How can I file a claim with Athene for a life insurance policy?

To file a life insurance claim with Athene, you should contact their claims department directly. The contact information for filing a claim can be found on their website or in your life insurance policy documents. Athene’s claims representatives will guide you through the process and provide the necessary forms and documentation required for the claim submission.