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Fixed Indexed Annuity

Nassau Personal Protection Choice

Nassau Life

5.5%

Best Cap

0.1%

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

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

5.5% cap on S&P 500

A nine-year-surrender fixed indexed annuity from Nassau Life with a Family Protection Death Benefit distinct from the Standard Death Benefit on the rest of the Nassau FIA lineup, accumulation-focused crediting across the S&P 500 (annual and monthly cap), Nasdaq-100, and UBS Tactical Multi Asset 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 or Maine.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers prioritizing a legacy-oriented contract-level death benefit alongside accumulation-class crediting, comfortable with a multi-year surrender commitment, wanting choice between an S&P annual cap and monthly cap or a higher-participation alternative on the UBS Tactical Multi Asset benchmark, and accepting a B-grade A.M. Best carrier rating in exchange for the Family Protection Death Benefit on this filing.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

0.1%/yr

Availability

49 jurisdictions (excl. Maine, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.5% cap rate

S&P 500

S&P 500 Index

1.6% cap rate

S&P 500

S&P 500 Index

26% participation rate

S&P 500

S&P 500 Index

37% participation rate

S&P 500

S&P 500 Index

36% participation rate

S&P 500

S&P 500 Index

52% participation rate

Nasdaq-100

Nasdaq-100 Index

24% participation rate

Nasdaq-100

Nasdaq-100 Index

33% participation rate

Nasdaq-100

Nasdaq-100 Index

32% participation rate

Nasdaq-100

Nasdaq-100 Index

45% participation rate

Fixed Account

Fixed Account

2.7% declared rate

Fixed Account

Fixed Account

2.35% declared rate

+ 6 volatility-controlled index options (UBS Tactical, Smart Passage...)

Lifetime Income Riders

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime payout rate6.67% lifetime payout
Annual rider fee1.15% annual rider fee

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime payout rate5.1% lifetime payout
Annual rider fee0.95% annual rider fee

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime payout rate5.1% lifetime payout
Annual rider fee1.15% annual rider fee

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime payout rate4.6% lifetime payout
Annual rider fee1.15% annual rider fee

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime payout rate4.4% lifetime payout
Annual rider fee1.15% annual rider fee

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime payout rate3.9% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Carries the Family Protection Death Benefit rather than the Standard Death Benefit found on every other Nassau Life FIA filing — buyers whose legacy planning is a primary driver get a distinct contract-level death-benefit feature on this filing that the other Nassau FIA chassis do not provide.
  • Crediting menu spans recognizable benchmark indexes (S&P 500, Nasdaq-100) alongside the UBS Tactical Multi Asset Index and Sunrise Adjustment participation designs, so a buyer can pick the mechanic that best fits their view — a clean S&P cap, a Nasdaq participation rate, or a higher-participation alternative on a proprietary volatility-controlled benchmark.
  • Both annual point-to-point and monthly point-to-point cap designs are available on the S&P 500, so a buyer can pick the crediting cadence that best fits their view of the index — annual for an all-or-nothing yearly call, monthly for a smoothed but capped path.
  • An annual free-withdrawal allowance plus three contract-level surrender-charge waivers (nursing home, RMD, terminal illness), and single or joint annuitization with both non-qualified and qualified funds accepted, so couples and IRA buyers 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. Buyers prioritizing the strongest available carrier-credit profile should weigh that against the headline rate and the Family Protection Death Benefit 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 and legacy positioning, not for a guaranteed lifetime payout.
  • The Family Protection Death Benefit is a contract-level feature whose exact mechanics depend on contract terms, withdrawals, and rider elections — the page does not publish a guaranteed roll-up percentage. Buyers prioritizing legacy planning should request the specific mechanics from the carrier or producer before relying on the feature as a primary planning lever.
  • 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 from a high single-digit year-one charge, there is no premium bonus on this filing, and the headline S&P 500 base cap is below the cap on the no-bonus Nassau Growth Annuity sibling chassis — buyers who want clean S&P accumulation crediting at the highest available Nassau cap and do not need the Family Protection Death Benefit should compare both filings before locking in.

Not ideal for

Buyers who need a contractually guaranteed GLWB-rider withdrawal rate or built-in Protected Income Value income, want the headline S&P cap of the no-bonus Nassau Growth Annuity sibling chassis and do not need the Family Protection Death Benefit, require an A-grade A.M. Best carrier rating, want a premium bonus, want a published guaranteed death-benefit roll-up percentage rather than a feature whose mechanics are contract-dependent, or live in New York or Maine — none of those are what this filing is built to deliver.

All crediting strategies

View rate listings (34 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: 100% + Spread: 1.5% · 1-yr

UBS Tactical Multi Asset Index

participation

10-yr surrender

Par: 83% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 60% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 37% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 33% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 26% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 24% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender

Cap: 5.5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.7% · 1-yr

Fixed Account

fixed

10-yr surrender

Cap: 1.6% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

10-yr surrender

Par: 148% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 105% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 100% + Spread: 3% · 2-yr

UBS Tactical Multi Asset Index

participation

10-yr surrender

Par: 52% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 45% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 36% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 32% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender

Par: 100% + Spread: 1.5% · 1-yr

UBS Tactical Multi Asset Index

Par: 83% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 60% · 1-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 37% · 1-yr

S&P 500 Index

Strategy Fee Included

Par: 33% · 1-yr

Nasdaq-100 Index

Strategy Fee Included

Par: 26% · 1-yr

S&P 500 Index

Par: 24% · 1-yr

Nasdaq-100 Index

Cap: 5.5% · 1-yr

S&P 500 Index

Fixed: 2.35% · 1-yr

Fixed Account

Cap: 1.6% · 1-yr

S&P 500 Index

Monthly Point to Point

Par: 148% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included

Par: 105% · 2-yr

Smart Passage SG Index

Sunrise Adjustment

Par: 100% + Spread: 3% · 2-yr

UBS Tactical Multi Asset Index

Par: 52% · 2-yr

S&P 500 Index

Strategy Fee Included

Par: 45% · 2-yr

Nasdaq-100 Index

Strategy Fee Included

Par: 36% · 2-yr

S&P 500 Index

Par: 32% · 2-yr

Nasdaq-100 Index

Income riders

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate6.67%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime withdrawal rate5.1%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate5.1%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate4.6%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate4.4%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime withdrawal rate4.1%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate4.1%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate3.9%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate3.6%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate3.6%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate3.4%
Annual rider fee1.15%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate2.9%
Annual rider fee0.95%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age50 — 120

GLWB

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

Family Protection Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 0.25%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.00%

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

product guide

A5107SP.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 Personal Protection Choice currently shows 18 distinct indexed or fixed crediting choices across 34 current rate listings, including S&P 500 Index, with 6 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: 5.5% cap
  • S&P 500 Index: 1.6% cap
  • S&P 500 Index: 26% participation

Income rider language

What to look for before treating the rider as income

Income, Care and Family Protection Rider: Today 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.

  • 6.67% withdrawal rate
  • 1.15% rider fee
  • RMD friendly

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 A5107SP.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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