An In-Depth Comparison: Athene's Performance Elite 15 vs. Atlantic Coast Life's Retirement Plus Multiplier

​In the realm of annuities, two standout products have captured the attention of retirees and investors alike: Athene's Performance Elite 15 and Atlantic Coast Life's Retirement Plus Multiplier. While both offer attractive features and benefits, a closer examination reveals distinct differences that can impact your retirement planning strategy. Let's delve into a comprehensive comparison of these two annuity products to help you make an informed decision about which one may be right for you.
Performance Elite 15 by Athene: Athene's Performance Elite 15 annuity is designed to provide a combination of growth potential and downside protection, making it an appealing option for retirees seeking to maximize their retirement income. Here are some key features of Performance Elite 15:

1. Index-Linked Growth Potential: Performance Elite 15 offers the opportunity for growth linked to the performance of a market index, such as the S&P 500. This indexing strategy allows investors to participate in market gains while providing protection against market downturns.
2. 15-Year Surrender Period: Performance Elite 15 comes with a 15-year surrender period, during which investors may incur surrender charges if they withdraw funds from the annuity. While the surrender period may limit liquidity, it also provides an opportunity for long-term growth and accumulation.
3. Optional Income Riders: Athene offers optional income riders for Performance Elite 15, including guaranteed minimum withdrawal benefits (GMWB) and enhanced death benefits. These riders can provide additional income or protection for beneficiaries, depending on the investor's needs and preferences.

Retirement Plus Multiplier by Atlantic Coast Life: Atlantic Coast Life's Retirement Plus Multiplier is another standout annuity product known for its innovative features and flexible options. Let's explore the key features of Retirement Plus Multiplier:

1. Guaranteed 100% Participation Rate: Retirement Plus Multiplier offers a guaranteed 100% participation rate, ensuring that investors receive full participation in any index gains without a cap. This feature provides investors with the potential for significant growth while protecting against downside risk.
2. Variable Surrender Periods: Retirement Plus Multiplier offers variable surrender periods ranging from 5 to 14 years, allowing investors to choose the surrender period that best aligns with their liquidity needs and retirement timeline. This flexibility gives investors greater control over their investment strategy and access to their funds.
3. Lifetime Income Options: Atlantic Coast Life offers a range of lifetime income options for Retirement Plus Multiplier, including fixed-period payments, lifetime income streams, and optional income riders. These options allow investors to tailor their annuity to meet their specific income needs and retirement goals.

Comparison and Conclusion: When comparing Athene's Performance Elite 15 and Atlantic Coast Life's Retirement Plus Multiplier, it's clear that both products offer unique features and benefits that cater to different investor preferences. Performance Elite 15 may appeal to investors seeking index-linked growth potential with optional income riders, while Retirement Plus Multiplier may be preferable for those prioritizing guaranteed participation rates and flexible surrender periods.
Ultimately, the best annuity product for you will depend on your individual financial goals, risk tolerance, and retirement timeline. By carefully considering the features and benefits of each product and consulting with a financial advisor, you can make an informed decision that aligns with your long-term objectives and helps you achieve a secure and comfortable retirement.

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