FOR PRODUCER USE ONLY. Not to be used with the offer or sale of annuities. Annuities issued by Athene Annuity & Life Company, West Des Moines, IA (09/14)

The “Ultimate” RMD Sales Idea...Have your cake and eat it too 2 Do you have a large book of business? Do you offer your clients solutions to meet their retirement needs? What do you recommend to a client that doesn’t want to take income from their IRA and they are approaching 70 ½? Do you or your clients have concerns about Rider Fees eating at the account value? As a financial advisor what’s your value proposition to your client?..…. How will you show your net worth to your client? How do you educate and protect your clients from………..?

The “Ultimate” RMD Sales Idea...Have your cake and eat it too 3 SAMPLE CASE: Client - Male age 65 - $500k IRA (May be all or only a portion of their total IRA assets) Interested in taking RMD only. Trying to leave the IRA to his family Interested in guarantees only. (No loss to Principal) Looking for a backup plan in case his lifestyle changes - to cover the “What if’s “ in life. Value proposition is to show your client……”They can have their cake and eat it too!!!!!”

Hypothetical – (please see complete illustration)

The “Ultimate” RMD Sales Idea...Have your cake and eat it too 5 Male age 65 - $500k IRA sale into Benefit 10 Client receives 8% annual simple interest credits to his/her Benefit Base for the first 10 years and then 5% annual simple interest credits till age 85 In year 6 the client will begin RMD withdrawals of $19,343 These withdrawals reduce the Benefit Base Dollar for Dollar not pro rata. Even though the client is taking RMD distributions the Benefit Base continues to grow. After 20 years the client would have received $275,569 in RMD payments and still have a Total Client Benefit Base of $772,082 If the client died at age 85 the remaining Benefit Base of $772,082 would be paid out to the beneficiaries over a period of 5 years or 70% of the Benefit base would be paid as a lump sum Death Benefit = $540,457 If Rider charges are greater than interest earned we “true up” the actual account value every 5 years

Most Common Annuity Complaints What’s the most common complaint? Income Rider understanding What is chargeback period on a complaint? Forever! For internal and agent education only ~ not for use with the general public.

ATHENE Benefit 10 sm with Enhanced Benefit Rider Expectations We look at things differently and offer Guaranteed income stream that can not be outlived Competitive payout Control over asset Access to 4 additional benefits (Enhanced, Confinement, Terminal Illness, Death Benefit) Flexibility to move between benefits as they need and qualify Guarantee that the Total Client Benefit will be paid out, and Peace of mind for when LIFE Happens!!

Take the Athene Benefit 10 Challenge To celebrate the launch of Athene Benefit 10 on our Athene IA platform ▶ Qualify to create your own custom travel experience. ▶ Incentive open through December 31, 2014.

FOR PRODUCER USE ONLY. Not to be used with the offer or sale of annuities. Annuities issued by Athene Annuity & Life Company, West Des Moines, IA (09/14)