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Fixed Indexed Annuity

Nassau Athos Annuity Non-Bonus

Nassau Life

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9%

Best S&P 500 Annual Cap

0

49

Available jurisdictions

Product data status: July 15, 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 Athos Annuity Non-Bonus 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 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$306,405
Est. value at age 80 (Nassau Athos Annuity Non-Bonus)
9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9% Cap (Extendable · 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 Athos Annuity Non-Bonus's published cap rate (9% 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. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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

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Live rate data

Run live numbers for Nassau Athos Annuity Non-Bonus

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Nassau Life product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9% cap on S&P 500

Nassau's non-bonus Athos accumulation FIA with a simple cap-and-participation strategy menu.

1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who prefer straightforward FIA accumulation without an upfront premium bonus.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

0%/yr

Availability

49 jurisdictions (excl. Maine, New York)

Featured crediting strategies

Featured rows use the selected state rate set. The full listing below labels the other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

Extendable

9% cap rate

Annual cap

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

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

+ 2 additional crediting options (S&P 500, NASDAQ-100 Volatility)

Product analyst notes

How to think about this contract

Why it can stand out

  • The non-bonus chassis keeps accumulation economics separate from premium-bonus recapture concerns.
  • A compact menu includes fixed crediting, an S&P 500 cap, and volatility-controlled participation options.
  • The filing has broad non-New-York availability in the current state data.

What to confirm

  • The non-bonus design may credit differently from the Bonus filing; compare current rows rather than assuming one is always superior.
  • A market value adjustment and surrender schedule can affect early withdrawals.
  • Nassau's B-double-plus A.M. Best rating is below many large-carrier peers.

Not ideal for

Buyers who need lifetime-income guarantees, top-tier financial-strength ratings, or unrestricted access.

Free Comparison Report

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

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All crediting strategies

View rate listings (12 rows)

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

Par: 65% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Extendable · participation

10-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

NASDAQ-100 Volatility Control 15% Index

Extendable · participation

10-yr surrenderDoes not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

Extendable · cap

10-yr surrenderDoes not vary by premium

Fixed: 4% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Extendable · Point-to-point

Other state rate set 6367Does not vary by premium

Par: 55% · 1-yr

NASDAQ-100 Volatility Control 15% Index

Extendable · Point-to-point

Other state rate set 6367Does not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

Extendable · Point-to-point

Other state rate set 6367Does not vary by premium

Fixed: 4% · 1-yr

Fixed Account

Fixed account

Other state rate set 6367Does not vary by premium

Par: 65% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Extendable · Point-to-point

Other state rate set 6395Does not vary by premium

Par: 55% · 1-yr

NASDAQ-100 Volatility Control 15% Index

Extendable · Point-to-point

Other state rate set 6395Does not vary by premium

Cap: 9% · 1-yr

S&P 500 Index

Extendable · Point-to-point

Other state rate set 6395Does not vary by premium

Fixed: 4% · 1-yr

Fixed Account

Fixed account

Other state rate set 6395Does not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing 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.

Common questions about Nassau Athos Annuity Non-Bonus

● Can I lose money in Nassau Athos Annuity Non-Bonus?

A negative index return by itself does not reduce the contract's account value: Nassau Athos Annuity Non-Bonus 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 0% 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.

● How do Nassau Athos Annuity Non-Bonus's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Nassau Athos Annuity Non-Bonus 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

0%/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 DB

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

1.00%

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

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

AM BestB++

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Nassau Athos Annuity Non-Bonus currently shows 7 distinct indexed or fixed crediting choices across 12 displayed rate-table rows, including S&P 500 Index and Fixed Account, with 4 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: 9% annual cap
  • S&P 500 Index: 9% annual point-to-point cap
  • Fixed Account: 4% fixed account rate

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%/yr free withdrawal
  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

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

This page uses the current structured product data returned for the contract. 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

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

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