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Fixed Indexed Annuity

Nassau Growth Annuity

Nassau Life

10%

Best Cap

10%

Free W/D

49

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

10% cap on S&P 500

A nine-year-surrender fixed indexed annuity from Nassau Life with no premium bonus and the highest S&P 500 base cap of any Nassau filing, accumulation-focused crediting across the S&P 500 and Nasdaq-100 with both fee-free and fee-bearing higher-participation alternatives, an annual free-withdrawal allowance, three surrender-charge waivers, and a B-grade A.M. Best carrier rating — not available in New York or Maine.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a multi-year deferral who want clean accumulation crediting at the highest available Nassau S&P cap, do not need a premium bonus, value the choice between fee-free participation designs and higher-participation fee-bearing strategies, and are comfortable with a B-grade A.M. Best carrier rating in exchange for the headline cap on this filing.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. Maine, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9% cap rate

S&P 500

S&P 500 Index

10% cap rate

S&P 500

S&P 500 Index

45% participation rate

S&P 500

S&P 500 Index

56% participation rate

S&P 500

S&P 500 Index

55% participation rate

S&P 500

S&P 500 Index

66% participation rate

S&P 500

S&P 500 Index

58% participation rate

S&P 500

S&P 500 Index

73% participation rate

S&P 500

S&P 500 Index

65% participation rate

S&P 500

S&P 500 Index

81% participation rate

Nasdaq-100

Nasdaq-100 Index

32% participation rate

Nasdaq-100

Nasdaq-100 Index

41% participation rate

Nasdaq-100

Nasdaq-100 Index

38% participation rate

Nasdaq-100

Nasdaq-100 Index

47% participation rate

Nasdaq-100

Nasdaq-100 Index

42% participation rate

Nasdaq-100

Nasdaq-100 Index

55% participation rate

Nasdaq-100

Nasdaq-100 Index

50% participation rate

Nasdaq-100

Nasdaq-100 Index

63% participation rate

Fixed Account

Fixed Account

3.7% declared rate

Fixed Account

Fixed Account

4.5% declared rate

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

Lifetime Income Riders

Income rider

Amplified Income with Rising Income Opportunity Rider

RMD friendly
Lifetime payout rate6.45% lifetime payout

Income rider

Amplified Income Plus Rider

RMD friendly
Lifetime payout rate6.1% lifetime payout
Annual rider fee0.95% annual rider fee

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

RMD friendly
Lifetime payout rate5% lifetime payout
Annual rider fee0.95% annual rider fee

Income rider

Amplified Income Rider

RMD friendly
Lifetime payout rate4.8% lifetime payout

Product analyst notes

How to think about this contract

Why it can stand out

  • Highest S&P 500 base cap rate of any Nassau Life FIA filing on the live feed — buyers who want clean accumulation crediting without paying for a premium bonus through a lower cap get more upside per unit of S&P performance on this chassis than on either of the bonus-bearing sibling filings.
  • Crediting menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100) alongside both fee-free participation designs and fee-included higher-participation alternatives, so a buyer can pick the mechanic that best fits their view — a clean S&P cap for like-for-like comparison, a fee-free Nasdaq participation rate, or higher participation in exchange for an explicit strategy fee.
  • 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.
  • Both single and joint annuitization options are available, and the contract accepts 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 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 rather than a multi-agency corroboration. Buyers prioritizing the strongest available carrier-credit profile should weigh that against the headline rate across a multi-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.
  • There is no premium bonus on this filing — buyers wanting an upfront bonus to enlarge the working balance should evaluate the sibling bonus-bearing Nassau filings, accepting that those carry a lower headline cap and (on the larger-bonus chassis) a longer surrender commitment and a halved free-withdrawal allowance.
  • Filing is not available to residents of New York or Maine on this productId — Nassau Life offers separate NY-specific products. Surrender ladder runs nine years, and there is no death-benefit roll-up beyond the standard contract value. The fee-included Strategy Fee and Sunrise Adjustment strategies advertise higher participation rates than the clean S&P cap, but the explicit strategy fee subtracts from the indexed credit each term — evaluate fee-bearing strategies net of the fee, not headline-only.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate or built-in Protected Income Value income, want a premium bonus credited at issue, 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, want to compare crediting strategies on headline participation rate without netting out the explicit strategy fee, or live in New York or Maine — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (28 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: 108% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

7-yr surrender

Par: 86% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

7-yr surrender

Par: 56% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

7-yr surrender

Par: 45% · 1-yr

S&P 500 Index

participation

7-yr surrender

Par: 41% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

7-yr surrender

Par: 32% · 1-yr

Nasdaq-100 Index

participation

7-yr surrender

Cap: 9% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 3.7% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 187% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

7-yr surrender

Par: 147% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

7-yr surrender

Par: 73% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

7-yr surrender

Par: 58% · 2-yr

S&P 500 Index

participation

7-yr surrender

Par: 55% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

7-yr surrender

Par: 42% · 2-yr

Nasdaq-100 Index

participation

7-yr surrender

Par: 122% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 101% · 1-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 66% · 1-yr

S&P 500 Index

Strategy Fee Included

Par: 55% · 1-yr

S&P 500 Index

Par: 47% · 1-yr

Nasdaq-100 Index

Strategy Fee Included

Par: 38% · 1-yr

Nasdaq-100 Index

Cap: 10% · 1-yr

S&P 500 Index

Fixed: 4.5% · 1-yr

Fixed Account

Par: 212% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 172% · 2-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 81% · 2-yr

S&P 500 Index

Strategy Fee Included

Par: 65% · 2-yr

S&P 500 Index

Par: 63% · 2-yr

Nasdaq-100 Index

Strategy Fee Included

Par: 50% · 2-yr

Nasdaq-100 Index

Income riders

Income rider

Amplified Income with Rising Income Opportunity Rider

RMD friendly
Lifetime withdrawal rate6.45%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus Rider

RMD friendly
Lifetime withdrawal rate6.1%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus Rider

RMD friendly
Lifetime withdrawal rate6.1%
Annual rider fee1.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income with Rising Income Opportunity Rider

RMD friendly
Lifetime withdrawal rate5.95%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus Rider

RMD friendly
Lifetime withdrawal rate5.1%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus Rider

RMD friendly
Lifetime withdrawal rate5.1%
Annual rider fee1.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

RMD friendly
Lifetime withdrawal rate5%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

RMD friendly
Lifetime withdrawal rate5%
Annual rider fee1.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Rider

RMD friendly
Lifetime withdrawal rate4.8%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

RMD friendly
Lifetime withdrawal rate4.5%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

RMD friendly
Lifetime withdrawal rate4.5%
Annual rider fee1.5%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Income rider

Amplified Income Rider

RMD friendly
Lifetime withdrawal rate4.3%
Annual rider feeNot shown
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age0 — 80
Joint availabilityJoint life

GLWB

Linked review

Nassau Growth Annuity review notes

A detailed review of Nassau Growth Annuity, focusing on tax-deferred growth, market-linked returns, and retirement income flexibility.

4.5/5Read review
Nikhil Bhauwala

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.

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

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

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

Documents

brochure

A5179PO.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 Growth Annuity currently shows 28 indexed or fixed crediting options, 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: 9% cap
  • S&P 500 Index: 10% cap
  • S&P 500 Index: 45% participation

Income rider language

What to look for before treating the rider as income

Amplified Income with Rising Income Opportunity Rider is the main income-rider entry returned 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.

  • 6.45% withdrawal rate
  • RMD friendly
  • Joint life availability

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
  • 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 A5179PO.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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