Athene Annuity (DE) Rates

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1 January 29, 2015 Athene Annuity (DE) s Athene Benefit 10 SM, Athene Choice, Athene Max and Athene 7 MYG SM rates will remain unchanged for the Athene Annuity (DE) product series. Guaranteed payout rates on the Athene MaxRetire SM (SPIA) product will be reduced on February 09, Highly competitive rates are just one reason to offer Athene Annuity FIAs, income riders, MYGAs and SPIAs. Transition Guidelines Beginning February 09, 2015, Athene MaxRetire quotes will reflect the new rates. Please review the Quote Expiration Date section on Page 3 of the Income Annuity Quote for information regarding new business submission requirements and cutoff dates. Want to learn more? Visit our Sales Resource Center to run an illustration. Please see the rate card and state availability grid for further details. For more information on our annuities and income riders, please contact the Athene Sales Desk at Athene. FOR AGENT OR INTERNAL USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES. Products issued by Athene Annuity & Life Assurance Company, Wilmington, DE in all states except New York, and in New York by Athene Annuity & Life Assurance Company of New York, Nyack, NY. Product features, limitations and availability vary; see Disclosure Statement for full product details. Products not available in all states.

2 Athene Annuity Fixed Annuity Interest s Annuities issued by Athene Annuity & Life Assurance Company All rates effective February 9, 2015 For agent or internal use only. Not to be used with the offer or sale of annuities. Fixed Index Annuities page 1 MYG Annuities page 2 SPIA page 3 ATHENE Benefit 10 SM Fixed Index Annuity with Enhanced Benefit Rider Fixed Account (Years 1-5) AP2P Cap MP2P Cap - Additive LA, MD OR, PA LA, MD OR, PA LA, MD OR, PA ATHENE Benefit % 1.40% 3.65% 3.15% 2.05% 1.80% Premium Bonus Rollup Percentage Rider Cost Enhanced Benefit Rider 6.00% 7.00% 1.40% ATHENE Choice Series Fixed Index Annuities Immediate Premium Bonus Years Fixed Account AP2P Cap 1 Year MP2P Cap 1 Year QP2P Cap (DJIA) 1 Year MAVG Cap (DJIA) Enhanced Choice % % 4.00% 1.30% 1.10% 5.00% Choice 10 N/A % 4.50% 1.95% 2.10% 5.10% Enhanced Choice % % 4.00% 1.20% 1.10% 5.00% ATHENE Income Riders Income Bonus Rollup Percentage Rollup Period Guaranteed Lifetime Withdrawal Benefit Rider 1.00% 6.50% 10 Years 1.25% Enhanced Guaranteed Lifetime Withdrawal Benefit Rider 1.00% 6.50% 10 Years 1.50% Rider Cost For more information on our annuities and income riders, please contact our Sales Desk at ATHENE *Non-guaranteed new money interest rates, cap rates and spread fees are subject to change at any time, normally monthly. Products/features may not be available in all states. These annuities contain limitations. See annuity contracts for complete details. Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC. S&P Marks are trademarks of S&P and have been licensed for use by S&P Dow Jones Indices LLC and its affiliates and sublicensed for certain purposes by Athene Annuity & Life Assurance Company. Dow Jones Marks are trademarks of Dow Jones and have been licensed for use by S&P Dow Jones Indices LLC and its affiliates and sublicensed for certain purposes by Athene Annuity. The S&P 500 is a product of S&P Dow Jones Indices LLC and has been licensed for use by Athene Annuity. ATHENE Choice Series, ATHENE Benefit 10, and ATHENE Accumulator 5 are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates, and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, their respective affiliates make any representation regarding the advisability of investing in such products. AN0006 ( )

3 Athene Annuity Fixed Annuity Interest s Annuities issued by Athene Annuity & Life Assurance Company All rates effective February 9, 2015 For agent or internal use only. Not to be used with the offer or sale of annuities. Fixed Index Annuities page 1 MYG Annuities page 2 SPIA page 3 ATHENE Traditional Multi-Year Guarantee Annuity Guarantee Period (Yrs) Yr 1 Yrs 2-7 Effective Annual ATHENE 7 MYG % 2.50% 2.64% ATHENE Max Multi-Year Guarantee Annuities Guarantee Period (Yrs) Most States CA FL Max % 2.50% 2.70% Enhanced Liquidity % N/A 2.50% For more information on our annuities and income riders, please contact our Sales Desk at ATHENE * Non-guaranteed new money interest rates, cap rates and spread fees are subject to change at any time, normally monthly. Products/ features may not be available in all states. These annuities contain limitations. See annuity contracts for complete details. Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC. S&P Marks are trademarks of S&P and have been licensed for use by S&P Dow Jones Indices LLC and its affiliates and sublicensed for certain purposes by Athene Annuity & Life Assurance Company. Dow Jones Marks are trademarks of Dow Jones and have been licensed for use by S&P Dow Jones Indices LLC and its affiliates and sublicensed for certain purposes by Athene Annuity. The S&P 500 is a product of S&P Dow Jones Indices LLC and has been licensed for use by Athene Annuity. ATHENE Choice Series, ATHENE Benefit 10, and ATHENE Accumulator 5 are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or their respective affiliates, and neither S&P Dow Jones Indices LLC, Dow Jones, S&P, their respective affiliates make any representation regarding the advisability of investing in such products. AN0006 ( )

4 Athene Annuity Income Annuity Payouts Annuities issued by Athene Annuity & Life Assurance Company Payouts effective February 9, 2015 For agent or internal use only. Not to be used with the offer or sale of annuities. Fixed Index Annuities page 1 MYG Annuities page 2 SPIA page 3 ATHENE MaxRetire sm Single Premium Immediate Annuity Monthly guaranteed payout ($100,000 premium)* 20 Year Specified Period $ Year Specified Period $ Year Specified Period $ Male - Ages Income for Life $ $ $ $ $ $ Life with 10 Year Specified Period $ $ $ $ $ $ Life with 15 Year Specified Period $ $ $ $ $ $ Life with 20 Year Specified Period $ $ $ $ $ $ Female - Ages Income for Life $ $ $ $ $ $ Life with 10 Year Specified Period $ $ $ $ $ $ Life with 15 Year Specified Period $ $ $ $ $ $ Life with 20 Year Specified Period $ $ $ $ $ $ Male/Female - Ages 55/55 60/60 65/65 70/70 75/75 80/80 Joint and Survivor Income for Life $ $ $ $ $ $ Joint and 75% Survivor $ $ $ $ $ $ Joint and 66% Survivor $ $ $ $ $ $ Joint and 50% Survivor $ $ $ $ $ $ For more information on our annuities and income riders, please contact our Sales Desk at ATHENE * Payouts assume 30 day income deferral and will be reduced by premium tax if applicable. s subject to change. To quote current rates, visit portal.atheneannuity.com. Not all payout options are available for qualified funds. AN0006 ( )

5 State Availability Chart as of February 9, 2015 ATHENE Fixed Index Annuities and Income Riders ATHENE Multi-Year Guarantee Annuities ATHENE SPIA Traditional Max Enhanced Choice 12 Choice 10 Enhanced Choice 8 Enhanced GLWB Rider GLWB Rider Benefit 10 Max7 MaxRetire 7 MYG AL AK AZ AR CA * * * * CO CT * DE DC FL * * GA HI ID IL * * * IN * IA * KS KY LA * * * ME MD MA * * * MI MN MS * MO MT NE NV * * NH NJ NM NC ND NY OH OK OR * PA * RI SC SD TN TX * * UT VT * * * VA WA * * WI WV WY *State variations apply. Please see reverse before offering product. AN1057 FOR AGENT OR INTERNAL USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES

6 Table of State Variations February 9, 2015 Variation Product 7 MYG Enhanced GLWB Rider GLWB Rider Enhanced Choice 12 Choice 10 Enhanced Choice 8 Benefit 10 MaxRetire Max7 CA MVA not available. Enhanced Liquidity alternative not available. CT Annuitization at full accumulation value after the first contract year. FL Issue age 0-64 Annuitization at full accumulation value after the first contract year. Contract guarantee period is 7 years only; no subsequent guarantee periods. Confinement and terminal illness benefits not available on rider not available IL S&P 500 crediting options not available IN IA LA S&P 500 crediting options not available MA Confinement and terminal illness waivers not available MS NV Issue age 0-58 Issue age 0-57 OR MVA not available. PA MVA not available. Terminal Illness presented as Terminal Condition TX Confinement and terminal illness waivers not available VT S&P 500 crediting options not available WA AN1057 FOR AGENT OR INTERNAL USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES

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