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DISCONTINUED PRODUCT - Product not available to new enrollees.

Aviva Integrity Index Annuity
Product ID: 105

Vendor:
Athene Annuity and Life Company
Type:
Equity Indexed Annuity 
Discontinued Discontinued


1%
AM Best:
A+
Moody's:
A1
S&P:
AA-
8 Years / 10.00%
No





Aviva Integrity Index Annuity is a flexible premium fixed index annuity contract designed for transfers and rollovers. It features three complementary accounts. They consist of a fixed account with a guaranteed minimum interest rate, as well as two indexed accounts that can credit interest linked to performance of the S & P 500 index. The minimum initial premium is $10,000.

Select the topics below to expand and view additional product details


Loans are permitted twice per contract year. The minimum loan is $1,000 and the maximum loan when added to all outstanding loans (if applicable) may not exceed 50% of the contract surrender value or the IRC maximum of $50,000. The net interest is 2.5%. The annuity will be adjusted by the outstanding loan balance in the event of death, annuitization or surrender. Loans are intended to comply with all provisions of Section 72(p) of the Internal Revenue Code and all Department of Treasury regulations.

Available.

Riders are amendments to the annuity contract that typically add to your costs. make sure you inquire about any additional costs. The following riders exist for this product:

Nursing Home Waiver:
If a serious accident or illness necessitates a stay in a qualified nursing home facility, you can withdraw up to $10,000 each month to cover the cost of your care without incurring a surrender charge or MVA.

These rates may change without notice. Contact your provider for the most current rates.


Point-to-Point
Annual Reset
S & P 500
Amounts allocated to the Indexed accounts are credited with indexed interest at each contract anniversary. Aviva guarantees that the Annual Cap Indexed Account will never be less than 3.00% and the Monthly Indexed Interest Cap Account will never be less than 1.0%. The amount of indexed interest credited at each Contract Anniversary equals the Indexed Credit Percentage times the Indexed Account value immediately preceding the Contract Anniversary.
Aviva guarantees that indexed interest will never be less than zero. The Fixed Account Interest Rate will never be less than the Minimum Fixed Interest Rate set when the contract is issued.

There is an Annual Cap Indexed Account that is guaranteed never to be less than 3.0% and a Monthly Cap with Annual Sum Indexed Account that will never be less than 1.0%
100.00%
100.00%

Contract anniversary at the annuitant's attained age 70 or, if later, the 10th contract anniversary.
None
Prior to the end of the seventh contract year, amounts in excess of the 10% surrrender charge penalty free withdrawal, may be subject to applicable surrender charges and an MVA.
1.00%


All 403(b) products contain fees. The amount of fees varies greatly depending on the product. A slight increase in fees can substantially reduce the growth in your account which will reduce your income in retirement. To learn more about the impact of fees, and the different types of fees please refer to the Explanation of Fees piece located in the Help & Resources.

Surrender Charges

Surrender Period* Surrender Percentage
1 10.00%
2 9.00%
3 8.00%
4 7.00%
5 6.00%
6 4.00%
7 2.00%
8 0.00%

*Expressed in contract years


Exceptions to the Surrender Charge:
Percent of contract value:
10.00%
Death:
Yes
Nursing Home or Other Medical Expenses:
Yes

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