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Fixed Indexed Annuity

Nassau Athos Annuity Bonus

Nassau Life

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6%

Best S&P 500 Annual Cap

0

48

Available jurisdictions

Product data status: July 17, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Nassau Athos Annuity Bonus would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$251,898
Est. value at age 80 (Nassau Athos Annuity Bonus)
6%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 6% Cap (Extendable · Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Nassau Athos Annuity Bonus's published cap rate (6% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 17, 2026.

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See how Nassau Athos Annuity Bonus compares for your age, state, premium, and income goals alongside other Nassau Life fixed indexed annuity options.

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Live rate data

Run live numbers for Nassau Athos Annuity Bonus

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Nassau Life product.

Live product data

Rates as of July 17, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

6% cap on S&P 500

A bonused Nassau accumulation FIA with a compact annual index menu and no current income rider.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation buyers who value an upfront bonus and can accept the associated surrender and vesting tradeoffs.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

0%/yr

Availability

48 jurisdictions (excl. Indiana, Maine, New York)

Featured crediting strategies

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

Extendable

6% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

+ 2 additional crediting options (S&P 500, NASDAQ-100 Volatility)

Product analyst notes

How to think about this contract

Why it can stand out

  • A premium-bonus chassis pairs fixed crediting with annual S&P 500 and volatility-controlled index choices.
  • The live menu is compact, making the major strategy tradeoffs easier to compare.
  • Two free-withdrawal tiers are represented in the current contract data.

What to confirm

  • The premium bonus can be subject to vesting or recapture; it should not be treated as immediately liquid cash.
  • Participation rates on volatility-controlled indexes are not comparable to the S&P 500 cap.
  • Nassau's B-double-plus A.M. Best rating should be weighed against stronger-rated alternatives.

Not ideal for

Buyers who need guaranteed lifetime income, top-tier carrier ratings, or short-term liquidity.

Free Comparison Report

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See how Nassau Athos Annuity Bonus compares for your age, state, premium, and income goals alongside other Nassau Life fixed indexed annuity options.

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All crediting strategies

View rate listings (12 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 42% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Extendable · participation

10-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

NASDAQ-100 Volatility Control 15% Index

Extendable · participation

10-yr surrenderDoes not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

Extendable · cap

10-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 42% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Extendable · Point-to-point

Other state rate set 7321Does not vary by premium

Par: 35% · 1-yr

NASDAQ-100 Volatility Control 15% Index

Extendable · Point-to-point

Other state rate set 7321Does not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

Extendable · Point-to-point

Other state rate set 7321Does not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Other state rate set 7321Does not vary by premium

Par: 42% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Extendable · Point-to-point

Other state rate set 9300Does not vary by premium

Par: 35% · 1-yr

NASDAQ-100 Volatility Control 15% Index

Extendable · Point-to-point

Other state rate set 9300Does not vary by premium

Cap: 6% · 1-yr

S&P 500 Index

Extendable · Point-to-point

Other state rate set 9300Does not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Other state rate set 9300Does not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Nassau Athos Annuity Bonus

● Can I lose money in Nassau Athos Annuity Bonus?

A negative index return by itself does not reduce the contract's account value: Nassau Athos Annuity Bonus credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 0% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● How do Nassau Athos Annuity Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Nassau Athos Annuity Bonus strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

0%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard DB

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.75%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule is currently unavailable for this product. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures are currently unavailable for this product. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Nassau Athos Annuity Bonus currently shows 7 distinct indexed or fixed crediting choices across 12 displayed rate entries, including S&P 500 Index and Fixed Account, with 4 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6% annual cap
  • S&P 500 Index: 6% annual point-to-point cap
  • Fixed Account: 3% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 0%/yr free withdrawal
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

This page uses the current structured product information for the contract. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Nassau Athos Annuity Bonus compares for your age, state, premium, and income goals alongside other Nassau Life fixed indexed annuity options.

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