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Fixed Indexed Annuity

Nassau Bonus Annuity Plus

Nassau Life

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6.25%

Best S&P 500 Annual Cap

5%

Free W/D

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 Bonus Annuity Plus 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
$312,062
Est. value at age 80 (Nassau Bonus Annuity Plus)
21%
Premium bonus offered
S&P 500 Index — 6.25% 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 Plus's published cap rate (6.25% 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. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $21,000 premium bonus (21%) = $121,000. Bonus vesting and withdrawal treatment follow the contract. 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 Plus

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

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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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 (excl. California, Maine, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

6.25% cap rate

Annual cap

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

S&P 500

S&P 500 Index

36% participation rate

Participation

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

S&P 500

S&P 500 Index

Strategy Fee Included

47% 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

43% participation rate

Participation

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

S&P 500

S&P 500 Index

Strategy Fee Included

58% participation rate

Participation

Strategy fee: 1%/yr

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

Nasdaq-100

Nasdaq-100 Index

22% participation rate

Participation

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

29% participation rate

Participation

Strategy fee: 1%/yr

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

Nasdaq-100

Nasdaq-100 Index

31% participation rate

Participation

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

41% 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

+ 8 additional crediting 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 contract 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 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. 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.
  • This contract is not available to residents of New York, California, or Maine — Nassau Life offers separate New York-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 contract is built to deliver.

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All crediting strategies

View rate listings (36 strategies)

These are the current crediting strategies available 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 surrenderDoes not vary by premium

Par: 55% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrenderDoes not vary by premium

Par: 47% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 41% · 1-yr

Smart Passage SG Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 36% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 29% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 28% · 1-yr

Smart Passage SG Index

participation

10-yr surrenderDoes not vary by premium

Par: 22% · 1-yr

Nasdaq-100 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 6.25% · 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: 130% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 90% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrenderDoes not vary by premium

Par: 58% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 58% · 2-yr

Smart Passage SG Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 43% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 41% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 40% · 2-yr

Smart Passage SG Index

participation

10-yr surrenderDoes not vary by premium

Par: 31% · 2-yr

Nasdaq-100 Index

participation

10-yr surrenderDoes not vary by premium

Par: 86% · 1-yr

Smart Passage SG Index

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

Does not vary by premium

Par: 65% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Does not vary by premium

Par: 50% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Does not vary by premium

Par: 46% · 1-yr

Smart Passage SG Index

Strategy Fee Included · Point-to-point

Does not vary by premium

Par: 39% · 1-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Par: 37% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Does not vary by premium

Par: 34% · 1-yr

Smart Passage SG Index

Point-to-point

Does not vary by premium

Par: 28% · 1-yr

Nasdaq-100 Index

Point-to-point

Does not vary by premium

Cap: 6.25% · 1-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Fixed: 3.2% · 1-yr

Fixed Account

Fixed account

Does not vary by premium

Par: 145% · 2-yr

Smart Passage SG Index

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

Does not vary by premium

Par: 105% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Does not vary by premium

Par: 66% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Does not vary by premium

Par: 64% · 2-yr

Smart Passage SG Index

Strategy Fee Included · Point-to-point

Does not vary by premium

Par: 51% · 2-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Par: 48% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Does not vary by premium

Par: 47% · 2-yr

Smart Passage SG Index

Point-to-point

Does not vary by premium

Par: 36% · 2-yr

Nasdaq-100 Index

Point-to-point

Does 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.

Linked review

Nassau Bonus Annuity Plus review notes

Nassau Bonus Annuity Plus FIA offers a 16% initial premium bonus, tax-deferred growth, and protection against market downturns.

3.2/5Read review
Review rating details3.2/5
Financial strength3/5
Return potential4/5
Income and benefits3/5
Free benefits, liquidity, and costs3/5
Transparency and service3/5

CFA take

“In my view, the Nassau Bonus Annuity Plus is primarily designed to attract accumulation-focused investors through its unusually large upfront premium bonus rather than through industry-leading long-term crediting rates. The 16% premium bonus immediately boosts the account value and can create a strong psychological and mathematical head start for policyholders, especially those planning to hold the contract for the full surrender period. The product also benefits from relatively straightforward design mechanics, without layering multiple optional riders and complex income structures that often make FIAs difficult for average investors to evaluate. However, investors should recognize that the bonus is not “free money.” The trade-off comes in the form of lower participation rates, lower caps, a mandatory annual enhanced benefit fee, and a long vesting schedule tied to the bonus. The lower 5% free withdrawal limit may also reduce flexibility relative to many competing FIAs, although the rollover provision partially offsets that drawback. Additionally, Nassau’s comparatively lower financial strength ratings may be an important consideration for more conservative buyers focused heavily on carrier quality. Overall, I would view Nassau Bonus Annuity Plus as best suited for long-term accumulation-oriented investors who value upfront account enhancement and are comfortable sacrificing some ongoing growth efficiency in exchange for that immediate premium boost.”

Nikhil Bhauwala

Common questions about Nassau Bonus Annuity Plus

● Can I lose money in Nassau Bonus Annuity Plus?

A negative index return by itself does not reduce the contract's account value: Nassau Bonus Annuity Plus 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 5% 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.

● When can I access my money without a surrender charge?

Up to 5% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

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

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

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.

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

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 35 distinct indexed or fixed crediting choices across 36 displayed rate entries, including S&P 500 Index, with 16 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: 6.25% annual cap
  • S&P 500 Index: 6.25% annual point-to-point cap
  • S&P 500 Index: 36% annual participation rate
  • S&P 500 Index: 47% annual participation rate, Fee-bearing option, 1% annual strategy fee

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

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