These changes will be effective with a contract date on or after August 1, 2025. The contract effective date is the date the contract has been deemed in good order and all funds received. While we cannot reissue contracts, any pending business will receive the new rates if the contract date is on or after the rate change effective date.

Revised materials will be available on the Forms and Materials page beginning August 1, 2025. Be sure to use up-to-date materials when offering Athene annuities. You may experience slight processing delays on any print orders in the days before or after a rate change effective date.

Athene AccuMax^® 7

Athene AccuMax^® 7 Crediting Rates

Crediting Strategy	Premium Band	Current	New	Change
7-Year PTP — S&P 500^® (Par Rate)	High Band: ($100,000+)	87%	93%	▲ 6%
7-Year PTP — S&P 500^® (Par Rate)	Low Band: (Up to $100,000)	82%	88%	▲ 6%
7-Year PTP¹ — AI Powered Multi-Asset (Par Rate)	High Band: ($100,000+)	385%	No Change	0.00%
7-Year PTP¹ — AI Powered Multi-Asset (Par Rate)	Low Band: (Up to $100,000)	365%	No Change	0.00%
7-Year PTP¹ — Shiller Barclays CAPE^® Allocator 6 (Par Rate)	High Band: ($100,000+)	460%	No Change	0.00%
	Low Band: (Up to $100,000)	435%	No Change	0.00%
7-Year Annual Interval Sum — S&P 500^® (Par Rate)	High Band: ($100,000+)	85%	No Change	0.00%
	Low Band: (Up to $100,000)	80%	No Change	0.00%
	Floor Rate:	-10%	No Change	0.00%
1-Year PTP¹ — AI Powered Multi‑Assset (Par Rate)	High Band: ($100,000+)	160%	No Change	0.00%
1-Year PTP¹ — AI Powered Multi‑Assset (Par Rate)	Low Band: (Up to $100,000)	150%	No Change	0.00%
1-Year PTP¹ — Shiller Barclays CAPE^® Allocator 6 (Par Rate)	High Band: ($100,000+)	155%	No Change	0.00%
	Low Band: (Up to $100,000)	145%	No Change	0.00%
Fixed	High Band: ($100,000+)	3.75%	No Change	0.00%
Fixed	Low Band: (Up to $100,000)	3.45%	No Change	0.00%
¹ The index is an excess return index. The returns of the index will reflect the performance of the underlying components in excess of a reference rate that could be earned on cash or a similar risk-free benchmark asset. Additionally, the performance of the index includes an embedded fee and may also include other costs such as transaction and replication costs. These costs may vary over time with market conditions. The excess return nature of index and the embedded fees and costs will all reduce index performance and the potential interest credited within the annuity contract. Because the index applies a volatility control mechanism, the range of both the positive and negative performance of the index is limited.

Athene Agility^SM 10

Athene Agility^SM10 Payout Factors

	Single¹ Lifetime Income Withdrawal Percentages
	Earnings Indexed²
Attained Age:	Current	New	Change
50-54	2.45%+	3.00%+	▲ 0.55%
55-59	2.45%+	3.00%+	▲ 0.55%
60-64	3.45%+	4.00%+	▲ 0.55%
65-69	4.45%+	5.00%+	▲ 0.55%
70-74	4.95%+	5.50%+	▲ 0.55%
75-79	5.45%+	6.00%+	▲ 0.55%
80-84	5.95%+	6.50%+	▲ 0.55%
85-89	5.95%+	6.50%+	▲ 0.55%
90+	5.95%	6.50%	▲ 0.55%
¹ Subtract 0.5% from the Single Life withdrawal percentage to determine the current Joint Life withdrawal percentage. ² The Lifetime Income Withdrawal Percentage may increase for each attained age between 50-90, as indicated by the "+" in the grid. These increases may vary by age. Please see the Lifetime Income Withdrawal Percentages sales piece for a full list of payout factors for all ages.

Athene Agility^SM 7

Athene Agility^SM7 Payout Factors

	Single¹ Lifetime Income Withdrawal Percentages
	Earnings Indexed²
Attained Age:	Current	New	Change
50-54	2.45%+	3.00%+	▲ 0.55%
55-59	2.45%+	3.00%+	▲ 0.55%
60-64	3.45%+	4.00%+	▲ 0.55%
65-69	4.45%+	5.00%+	▲ 0.55%
70-74	4.95%+	5.50%+	▲ 0.55%
75-79	5.45%+	6.00%+	▲ 0.55%
80-84	5.95%+	6.50%+	▲ 0.55%
85-89	5.95%+	6.50%+	▲ 0.55%
90+	5.95%	6.50%	▲ 0.55%
¹ Subtract 0.5% from the Single Life withdrawal percentage to determine the current Joint Life withdrawal percentage. ² The Lifetime Income Withdrawal Percentage may increase for each attained age between 50-90, as indicated by the "+" in the grid. These increases may vary by age. Please see the Lifetime Income Withdrawal Percentages sales piece for a full list of payout factors for all ages.

Athene Performance Elite^® 15

Athene Performance Elite^® 15 Premium Bonus

	PE			PE Plus (with Liquidity Rider)
	Current	New	Change	Current	New	Change
Most states	15%	20%	▲ 5%	20%	27%	▲ 7%
DE	11%	No Change	0.00%	15%	No Change	0.00%
AK, NV, OK	15%	15%	▲ 0%	20%	20%	▲ 0%
IN	11%	20%	▲ 9%	14%	27%	▲ 13%

National

Athene AccuMax^® 7

Athene AccuMax^® 7 Crediting Rates

Crediting Strategy	Premium Band	Current	New	Change
7-Year PTP — S&P 500^® (Par Rate)	High Band: ($100,000+)	87%	93%	▲ 6%
7-Year PTP — S&P 500^® (Par Rate)	Low Band: (Up to $100,000)	82%	88%	▲ 6%
7-Year PTP¹ — AI Powered Multi-Asset (Par Rate)	High Band: ($100,000+)	385%	No Change	0.00%
7-Year PTP¹ — AI Powered Multi-Asset (Par Rate)	Low Band: (Up to $100,000)	365%	No Change	0.00%
7-Year PTP¹ — Shiller Barclays CAPE^® Allocator 6 (Par Rate)	High Band: ($100,000+)	460%	No Change	0.00%
	Low Band: (Up to $100,000)	435%	No Change	0.00%
7-Year Annual Interval Sum — S&P 500^® (Par Rate)	High Band: ($100,000+)	85%	No Change	0.00%
	Low Band: (Up to $100,000)	80%	No Change	0.00%
	Floor Rate:	-10%	No Change	0.00%
1-Year PTP¹ — AI Powered Multi‑Assset (Par Rate)	High Band: ($100,000+)	160%	No Change	0.00%
1-Year PTP¹ — AI Powered Multi‑Assset (Par Rate)	Low Band: (Up to $100,000)	150%	No Change	0.00%
1-Year PTP¹ — Shiller Barclays CAPE^® Allocator 6 (Par Rate)	High Band: ($100,000+)	155%	No Change	0.00%
	Low Band: (Up to $100,000)	145%	No Change	0.00%
Fixed	High Band: ($100,000+)	3.75%	No Change	0.00%
Fixed	Low Band: (Up to $100,000)	3.45%	No Change	0.00%
¹ The index is an excess return index. The returns of the index will reflect the performance of the underlying components in excess of a reference rate that could be earned on cash or a similar risk-free benchmark asset. Additionally, the performance of the index includes an embedded fee and may also include other costs such as transaction and replication costs. These costs may vary over time with market conditions. The excess return nature of index and the embedded fees and costs will all reduce index performance and the potential interest credited within the annuity contract. Because the index applies a volatility control mechanism, the range of both the positive and negative performance of the index is limited.

Athene Agility^SM 10

Athene Agility^SM10 Payout Factors

	Single¹ Lifetime Income Withdrawal Percentages
	Earnings Indexed²
Attained Age:	Current	New	Change
50-54	2.45%+	3.00%+	▲ 0.55%
55-59	2.45%+	3.00%+	▲ 0.55%
60-64	3.45%+	4.00%+	▲ 0.55%
65-69	4.45%+	5.00%+	▲ 0.55%
70-74	4.95%+	5.50%+	▲ 0.55%
75-79	5.45%+	6.00%+	▲ 0.55%
80-84	5.95%+	6.50%+	▲ 0.55%
85-89	5.95%+	6.50%+	▲ 0.55%
90+	5.95%	6.50%	▲ 0.55%
¹ Subtract 0.5% from the Single Life withdrawal percentage to determine the current Joint Life withdrawal percentage. ² The Lifetime Income Withdrawal Percentage may increase for each attained age between 50-90, as indicated by the "+" in the grid. These increases may vary by age. Please see the Lifetime Income Withdrawal Percentages sales piece for a full list of payout factors for all ages.

Athene Agility^SM 7

Athene Agility^SM7 Payout Factors

	Single¹ Lifetime Income Withdrawal Percentages
	Earnings Indexed²
Attained Age:	Current	New	Change
50-54	2.45%+	3.00%+	▲ 0.55%
55-59	2.45%+	3.00%+	▲ 0.55%
60-64	3.45%+	4.00%+	▲ 0.55%
65-69	4.45%+	5.00%+	▲ 0.55%
70-74	4.95%+	5.50%+	▲ 0.55%
75-79	5.45%+	6.00%+	▲ 0.55%
80-84	5.95%+	6.50%+	▲ 0.55%
85-89	5.95%+	6.50%+	▲ 0.55%
90+	5.95%	6.50%	▲ 0.55%
¹ Subtract 0.5% from the Single Life withdrawal percentage to determine the current Joint Life withdrawal percentage. ² The Lifetime Income Withdrawal Percentage may increase for each attained age between 50-90, as indicated by the "+" in the grid. These increases may vary by age. Please see the Lifetime Income Withdrawal Percentages sales piece for a full list of payout factors for all ages.

Athene Performance Elite^® 15

Athene Performance Elite^® 15 Premium Bonus

	PE			PE Plus (with Liquidity Rider)
	Current	New	Change	Current	New	Change
Most states	15%	20%	▲ 5%	20%	27%	▲ 7%
DE	11%	No Change	0.00%	15%	No Change	0.00%
AK, NV, OK	15%	15%	▲ 0%	20%	20%	▲ 0%
IN	11%	20%	▲ 9%	14%	27%	▲ 13%

Athene Performance Elite^® 10

Athene Performance Elite^® 10 Premium Bonus

	PE			PE Plus (with Liquidity Rider)
	Current	New	Change	Current	New	Change
Most states: AL, AZ, AR, CO, DC, FL (issue ages 0-64), GA, HI, IL, IN, IA, KS, KY, MA, ME, MI, MO, MS, MT, NE, NH, NM, NC, ND, RI, SD, TN, VT, VA, WV, WI, WY	14%	16%	▲ 2%	20%	22%	▲ 2%
CT, ID, LA, MN, NJ, NV, OH, OK, OR, PA, SC, TX, UT, WA	13%	15%	▲ 2%	18%	20%	▲ 2%
AK	6%	No Change	0.00%	10%	No Change	0.00%
CA	13%	15%	▲ 2%	18%	20%	▲ 2%
DE	4%	No Change	0.00%	8%	No Change	0.00%
FL (issue ages 65-78), MD	13%	15%	▲ 2%	18%	20%	▲ 2%

Rates are subject to change at any time.

Athene AccuMax ICC20 STA (11/20) or state variations issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Products not available in all states.

Athene Agility GEN (09/15) NB, Income and Death Benefit Rider IR (06/18) and Enhanced Income Benefit Endorsement EIBR (06/18) or state variations issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Products not available in all states.

Athene Performance Elite GEN (09/15) NB, GEN10 (04/14), TBS15 (09/12) Athene Performance Elite Plus BONUS (04/17) and Enhanced Liquidity Rider ICC15 PEPR (11/14) or state variations issued by Athene Annuity and Life Company, West Des Moines, IA. Product features, limitations and availability vary; see the Certificates of Disclosure for details. Products not available in all states.

S&P 500^® Index and S&P 500 FC Index • The S&P 500^® Index and S&P 500 FC TCA 0.50% Decrement Index (USD) ER (the “Indices”) are products of S&P Dow Jones Indices LLC or its affiliates (“S&P DJI”) and have been licensed for use by Athene Annuity and Life Company and Athene Annuity & Life Assurance Company of New York (collectively, “Athene”). S&P^®, S&P 500^®, SPX^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Fast Convergence and FC are trademarks of BofA Securities, Inc. and/or its affiliates (“BofAS”). BofAS has licensed the Fast Convergence (FC) patented methodology and related trademarks to S&P DJI for use in the S&P 500 FC TCA 0.50% Decrement Index (USD) ER. Athene’s products are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, BofAS or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.

AI Powered Global Opportunities Index • The AI Powered Global Opportunities Index (the “AiGO Index”) is the exclusive property of EquBot Inc (“EquBot”) and administered, calculated, and published by MerQube, Inc. (“MerQube”).

AI Powered US Equity Index • The AI Powered US Equity Index (the “AiPEX Index”) is the exclusive property of EquBot and is administered, calculated, and published by Solactive AG (“Solactive”).

AI Powered Multi-Asset Index • The AI Powered Multi-Asset Index (the “AiMAX Index”) is the exclusive property of EquBot and is administered, calculated, and published by Solactive. We also refer to each of the AiGO Index, the AiPEX Index and the AiMAX Index herein as an “Index” and, together, the “Indices.”

Equbot, AiGO, AiPEX, AiMAX, “AI Powered Global Opportunities Index”, “AI Powered US Equity Index” and “AI Powered Multi-Asset Index” (collectively, the “Marks”) are trademarks or service marks of EquBot and have been licensed by HSBC and sub-licensed by Athene Annuity and Life Company (the “Company”) for use in a fixed indexed annuity offered by the Company. The fixed indexed annuity is not, in whole or in part, sponsored, structured, priced, endorsed, offered, sold, issued or promoted by EquBot, HSBC, MerQube, Solactive or any of their affiliates. EquBot and HSBC’s only relationship to the Company is the licensing of the Indices and Marks for certain purposes. MerQube and Solactive’s only relationship to the Company is with respect to administering, calculating and publishing the indices. EquBot, HSBC, MerQube and Solactive shall not have any liability with respect to a fixed indexed annuity in which an interest crediting option is based on an Index and are not liable for any loss relating to the fixed indexed annuity, whether arising directly or indirectly from the use of an Index, its methodology, any Mark or otherwise. None of EquBot, HSBC, MerQube or Solactive have any obligation to take into consideration any of the needs of the Company or any of the owners, annuitants or beneficiaries of the fixed indexed annuity in designing, calculating, administering or licensing the Indices.

NONE OF EQUBOT, HSBC, MERQUBE, SOLACTIVE OR THEIR SUPPLIERS GUARANTEES THE ACCURACY, ADEQUACY, TIMELINESS, COMPLETENESS OR AVAILABILITY OF THE AIGO INDEX OR ANY COMPONENT THEREOF OR DATA INCLUDED THEREIN, OR THAT NO ERROR, OMISSION, DELAY OR INTERRUPTION WILL EXIST THEREIN. NONE OF EQUBOT, HSBC, MERQUBE, SOLACTIVE OR THEIR SUPPLIERS MAKES ANY REPRESENTATION OR WARRANTY, AND EACH OF HSBC, EQUBOT, MERQUBE, SOLACTIVE AND THEIR SUPPLIERS EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THOSE REGARDING (I) MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, AND (II) THE ADVISABILITY OF ANY PERSON INVESTING IN THE FIXED INDEXED ANNUITY.

No purchaser, seller or holder of the fixed indexed annuity, or any other person or entity, should use or refer to any Mark or other EquBot trade name to sponsor, endorse, market or promote the fixed indexed annuity without a license from EquBot and HSBC. Under no circumstances may any person or entity claim any affiliation or association with EquBot, HSBC, MerQube or Solactive without the prior written permission of EquBot, HSBC, MerQube or Solactive.

In calculating the performance of each of the Indices, EquBot deducts a servicing cost of 0.85% per annum for the AiGO Index, a servicing cost of 0.50% per annum for the AiPEX Index, and a servicing cost of 0.75% per annum for the AiMAX Index, each calculated on a daily basis. Such costs may vary over time with market conditions. These costs reduce the potential positive change in the Indices and thus the amount of interest that will be credited to the fixed indexed annuity option based on each of the Indices.

The volatility control applied by Equbot may reduce the potential positive or negative change in each of the Indices and thus the amount of interest that will be credited to the fixed indexed annuity option that is based on either of the Indices.

Nothing provided herein should be construed as HSBC, Equbot, MerQube, Solactive or any of their suppliers providing tax, legal, or investment advice nor are HSBC, EquBot, MerQube, Solactive or any of their suppliers recommending engaging in any investment strategy or transaction.

Shiller Barclays CAPE^® Allocator 6 Index and the Shiller Barclays Global Index • The Shiller Barclays CAPE^® Allocator 6 Index and the Shiller Barclays Global Index (collectively, the “Indices”) have been developed in part by RSBB-I, LLC, the research principal of which is Robert J. Shiller. RSBB-I, LLC is not an investment advisor, and does not guarantee the accuracy or completeness of the Indices, or any data or methodology either included therein or upon which they are based. Neither RSBB-I, LLC nor Robert J. Shiller or any of their respective partners, employees, subcontractors, agents, suppliers and vendors (collectively, the “Protected Parties”) shall have any liability whether caused by the negligence of a Protected Party or otherwise, for any errors, omissions, or interruptions therein, and make no warranties, express or implied, as to performance or results experienced by any party from the use of any information included therein or upon which it is based, and expressly disclaim all warranties of merchantability or fitness for a particular purpose with respect thereto, and shall not be liable for any claims or losses of any nature in connection with the use of such information, including but not limited to, lost profits or punitive or consequential damages, even if RSBB-I, LLC, Robert J. Shiller or any Protected Party is advised of the possibility of same.

Neither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively “Barclays”) is the issuer or producer of Athene Annuity and Life Company’s (“Athene”) fixed index annuities (the “Products”) and Barclays has no responsibilities, obligations or duties to purchasers of the Products. The Indices, together with any Barclays indices that are components of the Indices, are trademarks owned by Barclays and, together with any component indices and index data, are licensed for use by Athene as the issuer or producer of the Products (the “Issuer”).

Barclays’ only relationship with the Issuer in respect of the Indices is the licensing of the Indices, which are administered, compiled and published by BB PLC in its role as the Index sponsor (the “Index Sponsor”) without regard to the Issuer or the Products or purchasers of the Products. Additionally, Athene as issuer or producer of the Products may for itself execute transaction(s) with Barclays in or relating to the Indices in connection with the Products. Consumers acquire the Products from Athene and neither acquire any interest in the Indices nor enter into any relationship of any kind whatsoever with Barclays upon purchasing the Products. The Products are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Products or use of the Indices or any data included therein. Barclays shall not be liable in any way to the Issuer, purchasers of the Products or to other third parties in respect of the use or accuracy of the Indices or any data included therein.

Athene AccuMax® 7 Crediting Rates

Athene AgilitySM 10 Payout Factors

Athene AgilitySM 7 Payout Factors

Athene Performance Elite® 15 Premium Bonus

National

Athene AccuMax® 7 Crediting Rates

Athene AgilitySM 10 Payout Factors

Athene AgilitySM 7 Payout Factors

Athene Performance Elite® 15 Premium Bonus

Athene Performance Elite® 10 Premium Bonus

Athene AccuMax^® 7 Crediting Rates

Athene Agility^SM10 Payout Factors

Athene Agility^SM7 Payout Factors

Athene Performance Elite^® 15 Premium Bonus

Athene AccuMax^® 7 Crediting Rates

Athene Agility^SM10 Payout Factors

Athene Agility^SM7 Payout Factors

Athene Performance Elite^® 15 Premium Bonus

Athene Performance Elite^® 10 Premium Bonus

Rates Rise on Select Athene Products Effective 08/01/2025