What we use them for
Through Family First Life, we have access to Athene’s annuity product lines. From an agent’s perspective, they tend to be a strong fit when:
- The conversation is about annuities — specifically rollovers and retirement income. Athene is, by design, an annuity-first carrier. They aren’t trying to be everything to everyone; they’re trying to be a serious option when the goal is moving qualified retirement money into a fixed or fixed-indexed annuity contract.
- The buyer cares about institutional backing. As an Apollo-owned subsidiary, Athene’s general account is managed within Apollo’s broader investment platform. Some buyers find that scale reassuring; others don’t weight it heavily. We surface it when it’s relevant.
- The case is pension-style guaranteed income. Athene is active in the pension risk transfer market, which speaks to the kind of long-duration income obligations they’re built to handle.
A note on financial strength
Athene’s current AM Best, S&P, Fitch, and Moody’s ratings are published on the carrier’s financial-strength page and on each agency’s public directory. Pull live values from AM Best before quoting them on a call — ratings change quarterly and a cited number must be current as of the conversation.
When to consider another carrier
Athene isn’t a fit if the buyer wants life insurance — they’re an annuity-focused carrier. For life cases, we’ll quote across Mutual of Omaha, Lincoln Financial, or other carriers in the relevant product category. Inside the annuity bucket itself, the right answer depends on age, qualified vs. non-qualified money, income-rider needs, and surrender-charge tolerance — and that’s a conversation, not a brochure.
Get a quote
Want to see what Athene looks like for your retirement-income situation? We pull current annuity illustrations on the call. The form below pre-fills your interest as Athene — we’ll come back with side-by-side options.