0.25% Guaranteed minimum interest rate
*Rates effective 8-29-2025
FOR MORE INFORMATION, CALL CUSTOMER SERVICE AT 1-888-834-6837

Guarantees provided by annuities are subject to the financial strength of the issuing insurance company.1Free Withdrawals. This annuity provides annual Free Withdrawal privileges beginning in the first Contract Year. Each Contract Year, you can withdraw up to 10% of the Accumulated Value (as of the most recent Contract Anniversary) without incurring a Withdrawal Charge or Market Value Adjustment. Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to an IRS penalty if taken prior to age 59½. Additional Withdrawal Provisions. This annuity includes a Confinement Waiver and a Terminal Illness Waiver that permit withdrawal of up to 100% of the Accumulated Value if eligibility criteria are met. Confinement Waiver is not applicable in CA and MA. Terminal Illness Waiver is not applicable in CA. Withdrawal Charge. A Withdrawal Charge in accordance with the rate schedule will apply to surrenders or amounts withdrawn in excess of the Free Withdrawal amount as follows; Athene MYG 3: 8, 8, 7%; Athene MYG 5: 8, 7, 6, 5, 4%; Athene MYG 7: 8, 8, 7, 6, 5, 4, 3%; CA Athene MYG 3: 8, 7.3, 6.3%; CA Athene MYG 7: 8, 7.3, 6.3, 5.3, 4.2, 3.2, 2.1%. 2 On the Annuity Date, the annuitant will receive the entire value of the Contract in the form of annuity payments, using the payout option chosen. It includes a Market Value Adjustment (MVA) that is applied to the portion of a withdrawal or surrender that exceeds the Free Withdrawal amount. Market Value Adjustment (MVA). An MVA is applied to the portion of a withdrawal or surrender that exceeds the Free Withdrawal amount. An MVA can either decrease or increase the amount you’ll receive from a surrender or excess Withdrawal based on the change in interest rates since the issue date. Neither Athene Annuity and Life Company nor its representatives offer legal or tax advice. Please consult your personal attorney and/or advisor regarding any legal or tax matters. Rates are effective as of 8/29/2025, and subject to change. Guarantees provided by annuities are subject to the financial strength and claims paying ability of the issuing insurance company. This insert must be accompanied by the applicable product brochure and Certificate of Disclosure which provide more detailed product information, including all charges or limitations as well as definitions of capitalized terms.

Athene MYG Series MYG (09/15), ICC15 MYG NMV (09/15) ICC17 ROP (08/17) 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. This material is a general description intended for informational and educational purposes. Athene Annuity and Life Company (61689), headquartered in West Des Moines, Iowa, and issuing annuities in 49 states (excluding NY) and in D.C., is not undertaking to provide investment advice for any individual or in any individual situation, and therefore nothing in this should be read as investment advice. Please reach out to your financial professional if you have any questions about Athene products or their features. The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an Athene annuity. Not for use in NY.

The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of an Athene annuity. ATHENE ANNUITIES ARE PRODUCTS OF THE INSURANCE INDUSTRY AND NOT GUARANTEED BY ANY BANK NOR INSURED BY FDIC OR NCUA/NCUSIF. MAY LOSE VALUE. NO BANK/CREDIT UNION GUARANTEE. NOT A DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. MAY ONLY BE OFFERED BY A LICENSED INSURANCE AGENT. Not for use in NY.

ThirdFed Investments is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered. Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. 7007 Broadway Ave., Cleveland, OH 44105

Investments: • Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency