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Fixed Indexed Annuity

Nassau Personal Income Annuity

Nassau Life

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7%

Best S&P 500 Annual Cap

10%

Free W/D

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 Personal Income 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 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$276,697
Est. value at age 80 (Nassau Personal Income Annuity)
7%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 7% 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 Personal Income Annuity's published cap rate (7% 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 Personal Income 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 Personal Income 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 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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

7% 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 Protected Income Value income chassis on the live feed — with crediting choice across S&P 500 annual cap, S&P 500 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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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 annual cap and a monthly-cap alternative, 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

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

7% cap rate

Annual cap

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

S&P 500

S&P 500 Index

Monthly Point to Point · monthly sum cap

2.15% cap rate

Monthly cap

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

S&P 500

S&P 500 Index

41% participation rate

Participation

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

S&P 500

S&P 500 Index

Strategy Fee Included

52% participation rate

Participation

Strategy fee: 1%/yr

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

S&P 500

S&P 500 Index

55% participation rate

Participation

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

S&P 500

S&P 500 Index

Strategy Fee Included

70% participation rate

Participation

Strategy fee: 1%/yr

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

Nasdaq-100

Nasdaq-100 Index

28% participation rate

Participation

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

37% participation rate

Participation

Strategy fee: 1%/yr

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

Nasdaq-100

Nasdaq-100 Index

36% participation rate

Participation

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

48% participation rate

Participation

Strategy fee: 1%/yr

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

Fixed Account

Fixed Account

3.4% declared rate

Fixed account

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

+ 6 additional crediting options (Smart Passage, UBS Tactical...)

Lifetime Income Riders

Income rider

Income Strategy Rider: Tomorrow

Lifetime payout rate5.17% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up14%/yr

Income rider

Income Strategy Rider: Today

Lifetime payout rate5.04% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up5.77%/yr

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 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 cap and monthly point-to-point cap designs are available on the S&P 500, so a buyer who has a directional view on the index can pick the crediting cadence that best fits — annual reset 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), 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 — annuitization is the contractual path to lifetime income on this contract, since no separate GLWB rider is attached.

What to confirm

  • Despite the 'Personal Income Annuity' 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 contract 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 contract 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 across a multi-year commitment.
  • The Monthly Point-to-Point cap and the multi-year participation variants on this contract are not directly comparable to a standard annual point-to-point cap — a monthly cap can underperform an annual cap of the same headline number when the index has a few large up months. The fee-bearing Strategy Fee Included strategies advertise higher participation rates but the explicit strategy fee subtracts from the indexed credit each term; evaluate fee-bearing strategies net of the fee.
  • 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 contract, and there is no death-benefit roll-up beyond the standard contract value, so legacy buyers should evaluate that separately.

Not ideal for

Buyers who took the 'Personal Income Annuity' product name at face value and expected a guaranteed-lifetime-withdrawal rider attached — that is not what this contract delivers on the live feed. Also not for buyers who require an A-grade A.M. Best rating, want a premium bonus, want to compare crediting strategies on headline participation rate without netting out the explicit strategy fee or accounting for the monthly-cap cadence, want a death-benefit roll-up, or live in New York or Maine.

Free Comparison Report

Get a Nassau Personal Income Annuity rate report

See how Nassau Personal Income 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 (68 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: 100% + Spread: 0.25% · 1-yr

UBS Tactical Multi Asset Index

participation

10-yr surrenderDoes not vary by premium

Par: 88% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 66% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrenderDoes not vary by premium

Par: 52% · 1-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 41% · 1-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 37% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 28% · 1-yr

Nasdaq-100 Index

participation

10-yr surrenderDoes not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Fixed: 3.4% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Cap: 2.15% · 1-yr

S&P 500 Index

Monthly Point to Point · monthly_sum_cap

10-yr surrenderDoes not vary by premium

Par: 155% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 115% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · participation

10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.5% · 2-yr

UBS Tactical Multi Asset Index

participation

10-yr surrenderDoes not vary by premium

Par: 70% · 2-yr

S&P 500 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 55% · 2-yr

S&P 500 Index

participation

10-yr surrenderDoes not vary by premium

Par: 48% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · participation

10-yr surrenderDoes not vary by premium

Par: 36% · 2-yr

Nasdaq-100 Index

participation

10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 0.25% · 1-yr

UBS Tactical Multi Asset Index

Point-to-point

Other state rate set 3248Does not vary by premium

Par: 88% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 66% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 52% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 41% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3248Does not vary by premium

Par: 37% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 28% · 1-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 3248Does not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3248Does not vary by premium

Fixed: 3.4% · 1-yr

Fixed Account

Fixed account

Other state rate set 3248Does not vary by premium

Cap: 2.15% · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum

Other state rate set 3248Does not vary by premium

Par: 155% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 115% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 100% + Spread: 0.5% · 2-yr

UBS Tactical Multi Asset Index

Point-to-point

Other state rate set 3248Does not vary by premium

Par: 70% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 55% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 3248Does not vary by premium

Par: 48% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 3248Does not vary by premium

Par: 36% · 2-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 3248Does not vary by premium

Par: 100% + Spread: 0.25% · 1-yr

UBS Tactical Multi Asset Index

Point-to-point

Other state rate set 3338Does not vary by premium

Par: 88% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 66% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 52% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 41% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3338Does not vary by premium

Par: 37% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 28% · 1-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 3338Does not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3338Does not vary by premium

Fixed: 3.4% · 1-yr

Fixed Account

Fixed account

Other state rate set 3338Does not vary by premium

Cap: 2.15% · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum

Other state rate set 3338Does not vary by premium

Par: 155% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 115% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 100% + Spread: 0.5% · 2-yr

UBS Tactical Multi Asset Index

Point-to-point

Other state rate set 3338Does not vary by premium

Par: 70% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 55% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 3338Does not vary by premium

Par: 48% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 3338Does not vary by premium

Par: 36% · 2-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 3338Does not vary by premium

Par: 100% + Spread: 0.25% · 1-yr

UBS Tactical Multi Asset Index

Point-to-point

Other state rate set 3381Does not vary by premium

Par: 88% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 66% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 41% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3381Does not vary by premium

Par: 37% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 37% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 28% · 1-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 3381Does not vary by premium

Cap: 7% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 3381Does not vary by premium

Fixed: 3.4% · 1-yr

Fixed Account

Fixed account

Other state rate set 3381Does not vary by premium

Cap: 2.15% · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum

Other state rate set 3381Does not vary by premium

Par: 155% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 115% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 100% + Spread: 0.5% · 2-yr

UBS Tactical Multi Asset Index

Point-to-point

Other state rate set 3381Does not vary by premium

Par: 55% · 2-yr

S&P 500 Index

Point-to-point

Other state rate set 3381Does not vary by premium

Par: 48% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 48% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Other state rate set 3381Does not vary by premium

Par: 35% · 2-yr

Nasdaq-100 Index

Point-to-point

Other state rate set 3381Does not vary by premium

Income riders

Income rider

Income Strategy Rider: Tomorrow

Lifetime withdrawal rate5.17%
Annual rider fee0.95%
Guaranteed roll-up14%/yr
Deferral assumed10 years

GLWB

Income rider

Income Strategy Rider: Today

Lifetime withdrawal rate5.04%
Annual rider fee0.95%
Guaranteed roll-up5.77%/yr
Deferral assumed10 years

GLWB

Linked review

Nassau Personal Income Annuity review notes

A thorough review of the Nassau Personal Income FIA, emphasizing lifetime income strategies, tax-deferred growth, and flexible rider options.

4/5Read review
Nikhil Bhauwala

Common questions about Nassau Personal Income Annuity

● Can I lose money in Nassau Personal Income Annuity?

A negative index return by itself does not reduce the contract's account value: Nassau Personal Income 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 Income Strategy Rider: Tomorrow 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 14% roll-up and 5.17% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How do Nassau Personal Income Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Nassau Personal Income 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

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

0.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

5.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

10.00%

Maximum spread: 10.00%

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

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

product guide

A5096PO.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 Income Annuity currently shows 35 distinct indexed or fixed crediting choices across 68 displayed rate-table rows, including S&P 500 Index, with 12 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: 7% annual cap
  • S&P 500 Index: 2.15% monthly point-to-point cap
  • S&P 500 Index: 7% annual point-to-point cap
  • S&P 500 Index: 41% annual participation rate

Income rider language

What to look for before treating the rider as income

Income Strategy Rider: Tomorrow 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.

  • 5.17% withdrawal rate
  • 0.95% rider fee
  • 10 deferral years

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 A5096PO.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 Personal Income Annuity rate report

See how Nassau Personal Income 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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