Fixed Indexed Annuity

Nassau Income Accelerator

Nassau Life

Best Cap

0.1%

Free W/D

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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

3% cap on S&P 500

A nine-year-surrender fixed indexed annuity from Nassau Life marketed under an income-suggestive name but configured as accumulation — no optional GLWB rider and no built-in Protected Income Value income chassis on the live feed — with crediting across the S&P 500, Nasdaq-100, and Sunrise Adjustment participation designs, an annual free-withdrawal allowance, three surrender-charge waivers, and a B-grade A.M. Best carrier rating; not available in New York, Maryland, or Maine.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers comfortable taking a fixed indexed annuity as accumulation-only and treating annuitization as the contractual path to lifetime income rather than a separate GLWB rider, who want crediting choice across an S&P cap and higher-participation alternatives, accept a B-grade A.M. Best carrier rating, and are comfortable with a multi-year surrender commitment.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

0.1%/yr

Availability

48 jurisdictions

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsTermPremium

S&P 500

S&P 500 Index

3% cap rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

13% participation rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

24% participation rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

22% participation rate

2-year term

Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

2-year term

Premium band not shown

Nasdaq-100

Nasdaq-100 Index

13% participation rate

1-year term

Premium band not shown

Nasdaq-100

Nasdaq-100 Index

22% participation rate

1-year term

Premium band not shown

Nasdaq-100

Nasdaq-100 Index

17% participation rate

2-year term

Premium band not shown

Nasdaq-100

Nasdaq-100 Index

30% participation rate

2-year term

Premium band not shown

Fixed Account

1.25% declared rate

1-year term

Premium band not shown

Fixed Account

2.35% declared rate

1-year term

Premium band not shown

+ 4 volatility-controlled index options (Smart Passage...)

Lifetime Income Riders

Income rider

Flex-Forward Income Benefit Rider

RMD friendly

Lifetime payout rate5.6% lifetime payout

Annual rider fee0.95% annual rider fee

Income rider

Income Horizon: Later Rider

RMD friendly

Lifetime payout rate4.6% lifetime payout

Annual rider fee0.95% annual rider fee

Income rider

Income Horizon: Early Rider

RMD friendly

Lifetime payout rate4.3% lifetime payout

Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

Crediting menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100) alongside fee-free participation designs and Sunrise Adjustment and Strategy 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 or higher participation in exchange for an explicit strategy fee or volatility-managed mechanic.
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 non-qualified and qualified funds — couples planning a joint-life payout and buyers using IRA money are both inside the product's accepted-funds and payout-options envelope.
Annuitization itself is the contractual path to lifetime income on this filing — buyers wanting a fixed lifetime payout can convert the contract value to a stream of payments at the configured annuitization option, even though no separate GLWB rider is attached.

What to confirm

Despite the 'Income Accelerator' marketing name, the live CANNEX feed for this productId shows no optional GLWB income rider and no Protected Income Value income chassis attached. Buyers expecting a rider-led guaranteed-lifetime-withdrawal income product based on the name should not assume this filing provides that — the income path on this contract is the standard annuitization option, not a separate guaranteed-withdrawal rider on the contract value.
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 headline rate, particularly across a multi-year surrender commitment.
The S&P 500 base cap rate on this filing is meaningfully below the cap on the Nassau Growth Annuity sibling chassis — buyers who want clean S&P accumulation crediting at the highest available Nassau cap should compare both filings before locking in. There is no premium bonus on this filing, no death-benefit roll-up beyond the standard contract value, and the live feed shows zero-floor minimum participation rates and a zero-floor minimum guaranteed fixed rate on the strategy guarantees, so future renewal rates can reset down to the contractual floors.
Filing is not available to residents of New York, Maryland, or Maine on this productId — Nassau Life offers separate NY-specific products. 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.

Not ideal for

Buyers who took the 'Income Accelerator' product name at face value and expected a guaranteed-lifetime-withdrawal rider attached — that is not what this filing delivers on the live feed. Also not for buyers who require an A-grade A.M. Best rating, who want a premium bonus, who want guaranteed-minimum strategy floors above the contractual zero-floor on the fixed-rate and participation guarantees, who want a death-benefit roll-up, or who live in New York, Maryland, or Maine.

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: 48% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 26% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 24% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 22% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 13% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 13% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender

Cap: 3% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 1.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 85% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 45% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 38% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 30% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 22% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 17% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender

Par: 48% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 26% · 1-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 24% · 1-yr

S&P 500 Index

Strategy Fee Included

Par: 22% · 1-yr

Nasdaq-100 Index

Strategy Fee Included

Par: 13% · 1-yr

S&P 500 Index

Par: 13% · 1-yr

Nasdaq-100 Index

Cap: 3% · 1-yr

S&P 500 Index

Fixed: 2.35% · 1-yr

Fixed Account

Par: 85% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 45% · 2-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 38% · 2-yr

S&P 500 Index

Strategy Fee Included

RMD friendly

Lifetime withdrawal rate4.6%

Annual rider fee0.95%

Withdrawal-base growthNot shown

Deferral assumed0 years

Issue age50 — 120

GLWB

Income rider

RMD friendly

Lifetime withdrawal rate3.6%

Annual rider fee0.95%

Withdrawal-base growthNot shown

Deferral assumed0 years

Issue age50 — 120

GLWB

Income rider

Income Horizon: Later Rider

RMD friendly

Lifetime withdrawal rate3.6%

Annual rider fee1.5%

Withdrawal-base growthNot shown

Deferral assumed0 years

Issue age50 — 120

GLWB

Linked review

Nassau Income Accelerator review notes

Detailed review of Nassau Income Accelerator FIA, focusing on lifetime income, tax-deferred growth, and principal protection for retirees.

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

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): 0.00%

Strategy guarantee

Minimum guaranteed participation: 0.00%

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

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

Yr 8

Yr 9

Yr 10

After

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

Documents

brochure

A5229PO.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 Income Accelerator currently shows 15 distinct indexed or fixed crediting choices across 28 current rate listings, including S&P 500 Index, with 4 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: 3% cap
S&P 500 Index: 13% participation
S&P 500 Index: 24% participation

Income rider language

What to look for before treating the rider as income

Flex-Forward Income Benefit 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.

5.6% withdrawal rate
0.95% rider fee
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.

0.1%/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 A5229PO.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 personalized Nassau Income Accelerator illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources

Nassau Income Accelerator

3% cap on S&P 500

Featured crediting strategies

Lifetime Income Riders

Flex-Forward Income Benefit Rider

Income Horizon: Later Rider

Income Horizon: Early Rider

How to think about this contract

Why it can stand out

What to confirm

All crediting strategies

Income riders

Flex-Forward Income Benefit Rider

Flex-Forward Income Benefit Rider

Flex-Forward Income Benefit Rider

Flex-Forward Income Benefit Rider

Income Horizon: Later Rider

Income Horizon: Later Rider

Income Horizon: Early Rider

Income Horizon: Early Rider

Income Horizon: Early Rider

Income Horizon: Early Rider

Income Horizon: Early Rider

Income Horizon: Early Rider

Income Horizon: Early Rider

Income Horizon: Early Rider

Income Horizon: Later Rider

Income Horizon: Later Rider

Nassau Income Accelerator review notes

Key Features

Free withdrawal

Surrender waivers

Death benefit

Strategy guarantee

Strategy guarantee

Strategy guarantee

Annuitization options

Fund types

Surrender schedule

Documents

A5229PO.pdf

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

What to look for before treating the rider as income

Why access rules deserve as much attention as rates

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

Get a personalized Nassau Income Accelerator illustration

Related Resources

Compare Rates

Nassau Life Products

Learn More