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Fixed Indexed Annuity

Nassau Growth Annuity

Nassau Life

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10%

Best S&P 500 Annual Cap

10%

Free W/D

49

Jurisdictions

Product data status: July 4, 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 Growth Annuity 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 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$306,405
Est. value at age 80 (Nassau Growth Annuity)
10%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9% 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 Growth Annuity'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 4, 2026.

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See how Nassau Growth Annuity 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 Growth Annuity

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

Live product data

Rates as of July 4, 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 options

7 and 10 years

Free withdrawal

10%/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

9% cap rate

Annual cap

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

10% cap rate

Annual cap

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

45% participation rate

Participation

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Strategy Fee Included

56% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

55% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Strategy Fee Included

66% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

58% participation rate

Participation

2-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Strategy Fee Included

73% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

66% participation rate

Participation

2-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

Strategy Fee Included

81% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

32% participation rate

Participation

1-year term · 7-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

41% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 7-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

38% participation rate

Participation

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

47% participation rate

Participation

Strategy fee: 1%/yr

1-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

43% participation rate

Participation

2-year term · 7-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

55% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 7-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

51% participation rate

Participation

2-year term · 10-year surrender · Premium band not shown

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

63% participation rate

Participation

Strategy fee: 1%/yr

2-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.7% declared rate

Fixed account

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

1-year term · 10-year surrender · Premium band not shown

+ 8 additional crediting options (Smart Passage...)

Lifetime Income Riders

Income rider

Amplified Income Plus Rider

Lifetime payout rate3.16% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up3%/yr
Interest multiplier1.5x interest multiplier

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

Lifetime payout rate3.16% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up3%/yr
Interest multiplier1.5x interest multiplier

Income rider

Amplified Income Rider

Lifetime payout rate3.1% lifetime payout
Interest multiplier1.5x interest multiplier

Income rider

Amplified Income with Rising Income Opportunity Rider

Lifetime payout rate2.78% lifetime payout
Interest multiplier1.5x interest multiplier

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.

Free Comparison Report

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See how Nassau Growth Annuity 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 (70 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: 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: 43% · 2-yr

Nasdaq-100 Index

participation

7-yr surrender

Par: 122% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 101% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 66% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 55% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 47% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 38% · 1-yr

Nasdaq-100 Index

participation

10-yr surrender

Cap: 10% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 212% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrender

Par: 172% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrender

Par: 81% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrender

Par: 66% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 63% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrender

Par: 51% · 2-yr

Nasdaq-100 Index

participation

10-yr surrender

Par: 108% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2217

Par: 86% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2217

Par: 56% · 1-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2217

Par: 45% · 1-yr

S&P 500 Index

PP

Other state rate set 2217

Par: 41% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2217

Par: 32% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 2217

Cap: 9% · 1-yr

S&P 500 Index

PP

Other state rate set 2217

Fixed: 3.7% · 1-yr

Fixed Account

FX

Other state rate set 2217

Par: 187% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2217

Par: 147% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2217

Par: 73% · 2-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2217

Par: 58% · 2-yr

S&P 500 Index

PP

Other state rate set 2217

Par: 55% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2217

Par: 43% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 2217

Par: 122% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2260

Par: 101% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2260

Par: 66% · 1-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2260

Par: 55% · 1-yr

S&P 500 Index

PP

Other state rate set 2260

Par: 47% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2260

Par: 38% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 2260

Cap: 10% · 1-yr

S&P 500 Index

PP

Other state rate set 2260

Fixed: 4.5% · 1-yr

Fixed Account

FX

Other state rate set 2260

Par: 212% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2260

Par: 172% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2260

Par: 81% · 2-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2260

Par: 66% · 2-yr

S&P 500 Index

PP

Other state rate set 2260

Par: 63% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2260

Par: 51% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 2260

Par: 122% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2346

Par: 101% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2346

Par: 66% · 1-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2346

Par: 55% · 1-yr

S&P 500 Index

PP

Other state rate set 2346

Par: 47% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2346

Par: 38% · 1-yr

Nasdaq-100 Index

PP

Other state rate set 2346

Cap: 10% · 1-yr

S&P 500 Index

PP

Other state rate set 2346

Fixed: 4.5% · 1-yr

Fixed Account

FX

Other state rate set 2346

Par: 212% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · PP

Other state rate set 2346

Par: 172% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · PP

Other state rate set 2346

Par: 81% · 2-yr

S&P 500 Index

Strategy Fee Included · PP

Other state rate set 2346

Par: 66% · 2-yr

S&P 500 Index

PP

Other state rate set 2346

Par: 63% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · PP

Other state rate set 2346

Par: 51% · 2-yr

Nasdaq-100 Index

PP

Other state rate set 2346

Income riders

Income rider

Amplified Income Plus Rider

Lifetime withdrawal rate3.16%
Annual rider fee0.95%
Withdrawal-base growth3% roll-up / 1.5× multiplier

GLWB

Income rider

Amplified Income Rider

Lifetime withdrawal rate3.1%
Annual rider feeNot shown
Withdrawal-base growth1.5× multiplier

GLWB

Income rider

Amplified Income with Rising Income Opportunity Rider

Lifetime withdrawal rate2.78%
Annual rider feeNot shown
Withdrawal-base growth1.5× multiplier

GLWB

Income rider

Amplified Income Plus with Rising Income Opportunity Rider

Lifetime withdrawal rate3.16%
Annual rider fee0.95%
Withdrawal-base growth3% roll-up / 1.5× multiplier

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

Common questions about Nassau Growth Annuity

● Can I lose money in Nassau Growth Annuity?

A negative index return by itself does not reduce the contract's account value: Nassau Growth Annuity 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 10% 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.

● Is the Amplified Income Plus Rider income rider worth the 0.95% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 3% roll-up and 3.16% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How do Nassau Growth Annuity's crediting strategies compare?

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

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.

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

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

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 54 distinct indexed or fixed crediting choices across 82 current rate listings, 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: 9% annual cap
  • S&P 500 Index: 10% annual cap
  • S&P 500 Index: 9% annual point-to-point cap
  • S&P 500 Index: 10% annual point-to-point cap

Income rider language

What to look for before treating the rider as income

Amplified Income Plus 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.

  • 3.16% withdrawal rate
  • 0.95% rider 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.

  • 10%/yr free withdrawal
  • 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

Free Comparison Report

Get a Nassau Growth Annuity rate report

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

Get my rate report

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