Protect Yourself From Financial Fraud

Scammers may contact you by phone, email, text message, social media or even through the mail. They may pretend to represent a company or financial professional you trust.

Athene is here to help you recognize the warning signs, safeguard your personal and financial information, and respond to suspected fraud.

Stop. Verify. Protect. If something doesn't seem right, independently verify the request before taking action.

How an Annuity Scam Unfolds

1

The unexpected call

You get a phone call from someone claiming to represent Athene. They say it's about your annuity contract.

2

The alarming news

The caller says there's suspicious activity on your account and your money may be at risk.

3

The urgent instructions

The caller says you need to withdraw or transfer money from your annuity to another account to "keep it safe."

4

The pressure

The caller says you must act now or lose your money. They urge you not to tell anyone.

5

The safer response

You hang up and call Athene at the number on your statement or on athene.com. You learn the call was a scam before any money moves.

The Takeaway

Even if a caller knows your name, annuity details or other personal information, that doesn't mean the call is legitimate. When in doubt, end the conversation and contact Athene directly using a trusted phone number.

This fictional example illustrates how an impersonation scam could target an annuity owner.

Warning Signs to Watch For

Scammers use different tactics to gain your trust. Knowing what to watch for—and how to respond—can help protect your personal and financial information.

Unexpected requests to move money

Be suspicious if someone urges you to withdraw funds, surrender your annuity or transfer money to another account. Never move money based solely on an unsolicited request. Independently verify the instructions before taking action.

Someone asks for personal information or passwords

Be cautious if someone you didn't contact asks for your Social Security number, annuity contract number, password or verification code. Never share passwords or verification codes with someone who contacts you unexpectedly.

You're pressured to act quickly or keep secrets

Scammers may claim you'll lose money if you don't act immediately or discourage you from consulting others. Take time to verify the situation with the financial institution or a trusted financial professional.

Something on your account doesn't look right

Review your financial statements regularly. Watch for transactions or changes to your contact information, banking instructions or beneficiaries that you didn't authorize. Report suspicious activity promptly.

Suspicious messages, links or websites

Fraudulent emails, texts, social media messages and letters can look legitimate. Avoid clicking unexpected links, opening unfamiliar attachments or granting remote access to your devices. Visit the company's official website directly, and keep your devices and software updated.

Learn From Real-Life Experiences

Fraud Prevention Video Series

Watch videos about common scams, warning signs and simple ways to protect yourself.

Watch the Video Series

Add Extra Protection to Your MyAthene Account

Already have a MyAthene account? A passkey or authenticator app can provide additional protection against unauthorized access.

Passkeys let you sign in using your fingerprint, facial recognition or device PIN.

Authenticator apps generate temporary verification codes on your phone or another device, without relying on text messages or phone calls.

Sign in to MyAthene and go to My Profile to set up a passkey or authenticator app. See our 2-Step Verification FAQ for step-by-step instructions.

What to Do if You Suspect Fraud

If you think you've been targeted by a scam or notice suspicious activity involving your financial accounts, take action promptly.

1. Stop communicating with the suspected scammer

End the conversation. Don't respond to additional calls, emails or text messages, and don't send money or share more personal information.

2. Secure your accounts

Change any passwords that may have been compromised and review your account activity. If you've shared sensitive financial information or transferred money, contact the financial institution involved immediately.

3. Report suspected fraud to Athene

If you suspect fraud involving Athene or your annuity, visit our online contact form and select "I would like to report fraud" as the reason for contacting us. Never include passwords or verification codes in your report.

Concerned About Fraud Involving Athene?

We're here to help. Report suspicious activity involving your Athene account or someone claiming to represent Athene.

Report Suspected Fraud