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Fixed Indexed Annuity

Nassau Bonus Annuity Plus

Nassau Life

6.25%

Best Cap

5%

Free W/D

48

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap rate

6.25% cap on S&P 500

A ten-year-surrender fixed indexed annuity from Nassau Life with a large one-time premium bonus credited at issue, a smaller annual free-withdrawal allowance than the shorter-surrender sibling chassis, accumulation-focused crediting across the S&P 500, Nasdaq-100, Smart Passage SG, and Sunrise Adjustment participation designs, three surrender-charge waivers, and a B-grade A.M. Best carrier rating — not available in New York, California, or Maine.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a full ten-year deferral who want the largest premium bonus this carrier offers on the chassis, value accumulation-focused crediting across an S&P cap, a Nasdaq-100 participation strategy, and proprietary participation alternatives, accept a smaller annual free-withdrawal allowance in exchange for the bigger upfront bonus, and are comfortable with a B-grade A.M. Best carrier rating across a long-horizon commitment.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

5%/yr

Availability

48 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.25% cap rate

S&P 500

S&P 500 Index

36% participation rate

S&P 500

S&P 500 Index

47% participation rate

S&P 500

S&P 500 Index

42% participation rate

S&P 500

S&P 500 Index

58% participation rate

Nasdaq-100

Nasdaq-100 Index

22% participation rate

Nasdaq-100

Nasdaq-100 Index

28% participation rate

Nasdaq-100

Nasdaq-100 Index

31% participation rate

Nasdaq-100

Nasdaq-100 Index

41% participation rate

Fixed Account

Fixed Account

3.2% declared rate

+ 8 volatility-controlled index options (Smart Passage...)

Product analyst notes

How to think about this contract

Why it can stand out

  • A large one-time premium bonus is credited to the contract at issue — materially higher than the bonus on the shorter-surrender sibling chassis — so the working balance on day one is meaningfully bigger than the cash deposited, useful for a buyer locking in a long-horizon deferral and wanting indexed crediting and the free-withdrawal allowance to apply to a bumped-up base.
  • Crediting menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100) alongside the Smart Passage SG Index, Sunrise Adjustment, and Strategy Fee Included participation designs, so a buyer can pick between a clean S&P cap for like-for-like comparison or a higher-participation alternative on a proprietary or volatility-controlled benchmark.
  • Three contract-level surrender-charge waivers (nursing home, RMD, terminal illness) sit on top of the annual free-withdrawal allowance, so required-minimum-distribution withdrawals for qualified buyers and the events the waivers cover do not trigger a surrender charge.
  • Both single and joint annuitization options are available, and the contract accepts non-qualified and qualified funds, so couples and IRA buyers are both inside the product's accepted-funds and payout-options envelope.

What to confirm

  • This filing trades a larger premium bonus for a materially longer surrender commitment and a smaller annual free-withdrawal allowance than the shorter-surrender sibling chassis. The surrender ladder runs a full ten years from a high single-digit year-one charge — buyers who need partial liquidity through the contract should weigh the smaller annual access against the bigger upfront bonus, and treat the bonus as a long-horizon enhancement rather than a cash-equivalent return.
  • Carrier financial-strength on this filing 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. Buyers prioritizing the strongest available carrier-credit profile should weigh that against the bonus and the full ten-year 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.
  • Filing is not available to residents of New York, California, or Maine on this productId — Nassau Life offers separate NY-specific products. The premium bonus is recovered by the carrier over the surrender schedule through caps, participation rates, and the surrender charges themselves; a buyer who exits during the ten-year ladder will give up more than the bonus delivered. 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, want a shorter surrender commitment, need the larger annual free-withdrawal allowance available on the shorter-surrender sibling chassis, require an A-grade A.M. Best carrier rating or multi-agency financial-strength corroboration before committing principal, expect the premium bonus to behave like a cash-equivalent return, want a death-benefit roll-up beyond the standard contract value, or live in New York, California, or Maine — none of those are what this filing is built to deliver.

All crediting strategies

View rate listings (36 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 76% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 55% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 47% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 41% · 1-yr

Smart Passage SG Index

Strategy Fee Included · participation

10-yr surrender

Par: 36% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 28% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 28% · 1-yr

Smart Passage SG Index

participation

10-yr surrender

Par: 22% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender

Cap: 6.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.2% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 130% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 90% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 58% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 58% · 2-yr

Smart Passage SG Index

Strategy Fee Included · participation

10-yr surrender

Par: 42% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 41% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 40% · 2-yr

Smart Passage SG Index

participation

10-yr surrender

Par: 31% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender

Par: 76% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 55% · 1-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 47% · 1-yr

S&P 500 Index

Strategy Fee Included

Par: 41% · 1-yr

Smart Passage SG Index

Strategy Fee Included

Par: 36% · 1-yr

S&P 500 Index

Par: 28% · 1-yr

Nasdaq-100 Index

Strategy Fee Included

Par: 28% · 1-yr

Smart Passage SG Index

Par: 22% · 1-yr

Nasdaq-100 Index

Cap: 6.25% · 1-yr

S&P 500 Index

Fixed: 3.2% · 1-yr

Fixed Account

Par: 130% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 90% · 2-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 58% · 2-yr

S&P 500 Index

Strategy Fee Included

Par: 58% · 2-yr

Smart Passage SG Index

Strategy Fee Included

Par: 42% · 2-yr

S&P 500 Index

Par: 41% · 2-yr

Nasdaq-100 Index

Strategy Fee Included

Par: 40% · 2-yr

Smart Passage SG Index

Par: 31% · 2-yr

Nasdaq-100 Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

5%/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

Premium bonus

21%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.75%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.35%

Strategy guarantee

Minimum guaranteed participation: 5.00%

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

Yr 1

9.6%

Yr 2

8.7%

Yr 3

7.8%

Yr 4

6.8%

Yr 5

5.9%

Yr 6

4.9%

Yr 7

3.9%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

A5245PO.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 Plus currently shows 18 distinct indexed or fixed crediting choices across 36 current rate listings, including S&P 500 Index, with 8 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 6.25% cap
  • S&P 500 Index: 36% participation
  • S&P 500 Index: 47% participation

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.

  • 5%/yr free withdrawal
  • 10 surrender years
  • 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 A5245PO.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

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