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Fixed Indexed Annuity

Nassau Bonus Annuity

Nassau Life

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7.25%

Best S&P 500 Annual Cap

10%

Free W/D

49

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 Bonus Annuity 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
$281,254
Est. value at age 80 (Nassau Bonus Annuity)
7.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7.25% Cap (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 Bonus Annuity's published cap rate (7.25% 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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Live rate data

Run live numbers for Nassau Bonus Annuity

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 point-to-point cap rate

7.25% cap on S&P 500

A nine-year-surrender fixed indexed annuity from Nassau Life with a one-time premium bonus credited at issue, accumulation-focused crediting across the S&P 500, Nasdaq-100, and Sunrise Adjustment participation designs, an annual free-withdrawal allowance, RMD and nursing-home waivers, and a B-grade A.M. Best carrier rating — not available in New York or Maine.

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

Best fit

Buyers committed to a multi-year deferral who want a premium bonus credited at issue to enlarge the working balance, value the choice between an S&P 500 cap for clean comparison and higher-participation Sunrise Adjustment alternatives, and are comfortable with a B-grade A.M. Best carrier rating in exchange for the bonus and accumulation crediting on this contract.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. 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

7.25% cap rate

Annual cap

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

S&P 500

S&P 500 Index

45% participation rate

Participation

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

S&P 500

S&P 500 Index

Strategy Fee Included

56% participation rate

Participation

Strategy fee: 1%/yr

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

S&P 500

S&P 500 Index

56% participation rate

Participation

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

S&P 500

S&P 500 Index

Strategy Fee Included

71% participation rate

Participation

Strategy fee: 1%/yr

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

Nasdaq-100

Nasdaq-100 Index

30% participation rate

Participation

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

39% participation rate

Participation

Strategy fee: 1%/yr

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

Nasdaq-100

Nasdaq-100 Index

39% participation rate

Participation

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

51% participation rate

Participation

Strategy fee: 1%/yr

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

Fixed Account

Fixed Account

3.2% declared rate

Fixed account

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

+ 4 additional crediting options (Smart Passage...)

Lifetime Income Riders

Income rider

Amplified Income Plus Rider

Lifetime payout rate3.84% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up3%/yr
Interest multiplier1.5x interest multiplier

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

Lifetime payout rate3.7% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up3%/yr
Interest multiplier1.5x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • A one-time premium bonus is credited to the contract at issue on top of the principal, so the working balance on day one is larger than the cash deposited — useful for buyers who want their indexed crediting and free-withdrawal allowance to apply to a bumped-up base, not just to the dollars they wrote a check for.
  • Crediting menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100) alongside fee-included and Sunrise Adjustment participation designs, so a buyer can pick the mechanic that best fits their view — a clean S&P cap for like-for-like comparison, a higher participation rate on a proprietary mechanic, or a fixed account for full principal-protected accumulation.
  • An annual free-withdrawal allowance plus three contract-level surrender-charge waivers (nursing home, RMD, terminal illness), so required-minimum-distribution withdrawals for qualified buyers and the events the waivers cover do not trigger a surrender charge on top of the free-withdrawal access.
  • Both single and joint annuitization options are available, and the contract accepts both non-qualified and qualified funds, so couples planning a joint-life payout and buyers using IRA money are both inside the product's accepted-funds and payout-options envelope.

What to confirm

  • Carrier financial-strength on this contract carries a B-grade A.M. Best rating rather than the A-grade tier most large FIA issuers hold, and the page shows only a single agency view rather than a multi-agency corroboration. Buyers prioritizing the strongest available carrier-credit profile should weigh that against the headline and the premium bonus, particularly across a multi-year surrender commitment.
  • This contract has no guaranteed-lifetime-withdrawal rider attached — the live feed shows an empty income-rider list — and there is no built-in Protected Income Value. Do not compare its payout side-by-side with a rider-led income FIA; the contract is built for accumulation, not for a guaranteed lifetime payout.
  • The premium bonus is not free money — it is recovered by the carrier over the surrender schedule through caps, participation rates, and the surrender charges themselves. A buyer who exits the contract during the surrender ladder will give up more than the bonus delivered. Treat the bonus as a long-horizon enhancement to the working balance, not as a cash-equivalent return.
  • This contract is not available to residents of New York or Maine — Nassau Life offers separate New York-specific products. The surrender ladder runs nine years from a high single-digit year-one charge, so an unplanned early exit beyond the annual free-withdrawal allowance in the first several years carries a real cost. There is no death-benefit roll-up beyond the standard contract value, so legacy buyers should evaluate that separately.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate or built-in Protected Income Value income, require an A-grade A.M. Best carrier rating or multi-agency financial-strength corroboration before committing principal, want a death-benefit roll-up beyond the standard contract value, expect the premium bonus to behave like a cash-equivalent return rather than a long-horizon enhancement, or live in New York or Maine — none of those are what this contract is built to deliver.

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See how Nassau Bonus Annuity 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 (42 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: 91% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 70% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrenderDoes not vary by premium

Par: 56% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 45% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 39% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 30% · 1-yr

Nasdaq-100 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 7.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 3.2% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 160% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 120% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrenderDoes not vary by premium

Par: 71% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 56% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 51% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 39% · 2-yr

Nasdaq-100 Index

participation

10-yr surrenderDoes not vary by premium

Par: 96% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 75% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 56% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2486Does not vary by premium

Par: 42% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 33% · 1-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 2486Does not vary by premium

Cap: 7.75% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2486Does not vary by premium

Fixed: 3.3% · 1-yr

Fixed Account

Fixed account

Other state rate set 2486Does not vary by premium

Par: 165% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 125% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 74% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 59% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 2486Does not vary by premium

Par: 53% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 2486Does not vary by premium

Par: 41% · 2-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 2486Does not vary by premium

Par: 91% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 70% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 56% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2620Does not vary by premium

Par: 39% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 30% · 1-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 2620Does not vary by premium

Cap: 7.25% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 2620Does not vary by premium

Fixed: 3.2% · 1-yr

Fixed Account

Fixed account

Other state rate set 2620Does not vary by premium

Par: 160% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 120% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 71% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 56% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 2620Does not vary by premium

Par: 51% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 2620Does not vary by premium

Par: 39% · 2-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 2620Does not vary by premium

Income riders

Income rider

Amplified Income Plus Rider

Lifetime withdrawal rate3.84%
Annual rider fee0.95%
Guaranteed roll-up3%/yr
Income multiplier1.5× multiplier
Deferral assumed10 years

GLWB

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

Lifetime withdrawal rate3.7%
Annual rider fee0.95%
Guaranteed roll-up3%/yr
Income multiplier1.5× multiplier
Deferral assumed10 years

GLWB

Linked review

Nassau Bonus Annuity review notes

In-depth review of the Nassau Bonus Annuity FIA, exploring its growth, income options, and retirement-focused benefits.

3.5/5Read review
Nikhil Bhauwala

Common questions about Nassau Bonus Annuity

● Can I lose money in Nassau Bonus Annuity?

A negative index return by itself does not reduce the contract's account value: Nassau Bonus Annuity 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 10% 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.

● Is the Amplified Income Plus Rider income rider worth the 0.95% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 3% roll-up and 3.84% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

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

Use "Compare against" in the analyzer to overlay another current Nassau Bonus Annuity 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

10%/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 Death Benefit

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

2.35%

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

product guide

A5219PO.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Nassau Bonus Annuity currently shows 39 distinct indexed or fixed crediting choices across 42 displayed rate entries, including S&P 500 Index, with 12 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: 7.25% annual cap
  • S&P 500 Index: 7.75% annual point-to-point cap
  • S&P 500 Index: 7.25% annual point-to-point cap
  • S&P 500 Index: 45% annual participation rate

Income rider language

What to look for before treating the rider as income

Amplified Income Plus Rider is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 3.84% withdrawal rate
  • 0.95% rider fee
  • 10 deferral years

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.

  • 10%/yr free withdrawal
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as A5219PO.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. 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

Get a Nassau Bonus Annuity rate report

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

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