Finding comfort across the spectrum
Annuities, which convert money into future
income, could be a solution to help clients stay
in their financial comfort zone. The chart to the
right maps different kinds of annuities along a
risk spectrum. The left side of the spectrum is
the most conservative. Clients with the highest
tolerance for risk may feel comfortable at the
Diving deeper into annuity options
These carry the lowest risk. Your client’s money is
converted to a guaranteed income stream for life,
or for a specific period.
This deferred annuity offers a fixed interest rate
that’s guaranteed for a certain time period.
The guarantee may appeal to risk-averse clients
who are willing to sacrifice the potential for higher
returns in expanding markets.
Fixed Indexed Annuity
In the middle of the spectrum, fixed indexed
annuities have become increasingly popular with
clients who have a moderate appetite for risk.
Clients can earn interest credits based in part on
the upward movement of a stock market index
while enjoying protection of a zero percent floor.
If the net change over a given crediting period is
negative the client earns zero interest credits for
that period, but never less than zero.
Registered Index-Linked Annuity
These products are designed for clients with a
higher risk tolerance. Registered index-linked
annuities also offer the potential for index
credits tied to index performance with a level of
protection from loss if the index declines.
This type carries the highest level of risk because
clients’ money is invested directly in the market.
Variable annuities offer the highest growth
potential of any of the products on the annuity
spectrum, but clients also may be fully exposed to
This year’s economic implications have shaken alot of investors, and that has led to many rethinkingtheir appetite for risk. With the continued threatof volatile markets, some clients may desire away to better protect their money against futuredownturns. Given the uncertainty, the future isbright at Athene — a company built to weathermarket volatility with solid financial solutionsgeared to help people protect the retirementsavings they’ve worked so hard for.
*Pew Research Center, https://www.pewresearch.org/fact-tank/2020/03/25/more-than-half-of-u-s-households-have-some-investment-in-the-stock-market/For financial professional use only. Not to be used with the offer or sale of annuities.Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (excluding NY) and D.C.,and Athene Annuity & Life Assurance Company of New York (68039), headquartered in Pearl River, New York, and issuing annuities in New York,are not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read asinvestment advice.
ATHENE ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSUREDBY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANYFEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT.
RISK HIGHER LOWER
Build futures with us.
1.888.ANNUITY | Athene.com/buildfutures