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Fixed Indexed Annuity

Nassau Personal Protection Choice — Nassau Life

Nassau Life

Get my rate report

5.5%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: October 13, 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 Protection Choice would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$236,881
Gross crediting illustration at age 80 (Nassau Personal Protection Choice)
Excludes the 0.95% current Care Protection charge; 0.95% current Care Protection charge; 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms). This is not a net contract value.
5.5%
Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 0.95% current Care Protection charge; 0.95% current Care Protection charge; 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms).

S&P 500 Index — 5.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Nassau Personal Protection Choice's published cap rate (5.5% 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. Gross crediting only: this illustration excludes the 0.95% current Care Protection charge; 0.95% current Care Protection charge; 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 1.15% annual Income and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Today charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 1.15% annual Income, Care and Family Protection Rider: Tomorrow charge (income option; applicability depends on contract terms); 0.95% annual Income and Care Protection Rider: Today charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 13, 2026.

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rate data

Run numbers for Nassau Personal Protection Choice

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

Live product data

Rates as of October 13, 2026, from AdvisorWorld and CANNEX.

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 term10-year surrenderDoes not vary by premiumAdvisorWorld + 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 contract.

AM Best

B++ Good

Surrender period

10 years

Free withdrawal

10%/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

Rate effective Jul 1, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Monthly Point to Point

1.6% cap rate

Rate effective Jul 1, 2026

Monthly sum

Requested state: TX

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

S&P 500

S&P 500 Index

26% participation rate

Rate effective Jul 1, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Strategy Fee Included

37% participation rate

Rate effective Jul 1, 2026

Annual point-to-point

Strategy fee: 1%/yr

Requested state: TX

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

S&P 500

S&P 500 Index

Strategy Fee Included

37% participation rate

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

37% participation rate

Rate effective Jul 1, 2026

2-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Strategy Fee Included

52% participation rate

Rate effective Jul 1, 2026

2-year point-to-point

Strategy fee: 1%/yr

Requested state: TX

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

S&P 500

S&P 500 Index

Strategy Fee Included

52% participation rate

2-year point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

24% participation rate

Rate effective Jul 1, 2026

Annual point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

33% participation rate

Rate effective Jul 1, 2026

Annual point-to-point

Strategy fee: 1%/yr

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

33% participation rate

Annual point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

33% participation rate

Rate effective Jul 1, 2026

2-year point-to-point

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

45% participation rate

Rate effective Jul 1, 2026

2-year point-to-point

Strategy fee: 1%/yr

Requested state: TX

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

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

45% participation rate

2-year point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

2.7% declared rate

Rate effective Jul 1, 2026

Fixed account

Requested state: TX

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

+ 8 additional crediting options (UBS Tactical, Smart Passage...)

Lifetime Income Riders

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime payout rate6.77% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up14%/yr · simple · for up to 10 years

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime payout rate6.67% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up5.77%/yr · simple · for up to 10 years

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime payout rate6.53% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up14%/yr · simple · for up to 10 years

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime payout rate6.52% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up5.77%/yr · simple · for up to 10 years

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime payout rate6.51% lifetime payout
Annual rider fee1.15% annual rider fee
Guaranteed roll-up14%/yr · simple · for up to 10 years

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime payout rate6.29% lifetime payout
Annual rider fee0.95% annual rider fee
Guaranteed roll-up5.77%/yr · simple · for up to 10 years

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 contract 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 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 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.
  • This contract is not available to residents of New York or Maine — Nassau Life offers separate New York-specific products. The surrender ladder runs nine years from a high single-digit year-one charge, there is no premium bonus on this contract, and the headline S&P 500 base cap is below the cap on the no-bonus Nassau Growth Annuity sibling — 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 contracts 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 contract is built to deliver.

Free Comparison Report

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See how Nassau Personal Protection Choice 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 (34 strategies)

These listings show published strategy details and any available rates. 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

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 100% + Spread: 1.5% · 1-yr

UBS Tactical Multi Asset Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 83% · 1-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 83% · 1-yr

Smart Passage SG Index

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

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 60% · 1-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 37% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 37% · 1-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 33% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 33% · 1-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 26% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 26% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 24% · 1-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 24% · 1-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 5.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Cap: 5.5% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Fixed: 2.7% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Fixed: 2.7% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrenderDoes not vary by premium

Cap: 1.6% · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Cap: 1.6% · 1-yr

S&P 500 Index

Monthly Point to Point · Monthly sum

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 148% · 2-yr

Smart Passage SG Index

Sunrise Adjustment & Strategy Fee Included · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 148% · 2-yr

Smart Passage SG Index

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

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 105% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 105% · 2-yr

Smart Passage SG Index

Sunrise Adjustment · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 100% + Spread: 3% · 2-yr

UBS Tactical Multi Asset Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 100% + Spread: 3% · 2-yr

UBS Tactical Multi Asset Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 52% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 52% · 2-yr

S&P 500 Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 45% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point · 1% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 45% · 2-yr

Nasdaq-100 Index

Strategy Fee Included · Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 37% · 2-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 37% · 2-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 33% · 2-yr

Nasdaq-100 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Jul 1, 202610-yr surrenderDoes not vary by premium

Par: 33% · 2-yr

Nasdaq-100 Index

Point-to-point

Requested state: TX10-yr surrenderDoes not vary by premium

Other contract riders and charges

Care Protection

Published rider charge: 0.95% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

Care Protection

Published rider charge: 0.95% (current). This charge is separate from strategy crediting rates. Confirm charge frequency and basis in the carrier contract.

Income riders

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate6.77%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate6.67%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate6.53%
Annual rider fee0.95%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate6.52%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate6.51%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime withdrawal rate6.29%
Annual rider fee0.95%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate6.27%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate6.17%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate6.03%
Annual rider fee0.95%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate6.02%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate6.01%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime withdrawal rate5.79%
Annual rider fee0.95%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed10 years

GLWB

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate5.24%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate5.17%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate5.12%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate4.99%
Annual rider fee0.95%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate4.97%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime withdrawal rate4.94%
Annual rider fee0.95%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate4.74%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate4.67%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income, Care and Family Protection Rider: Today

RMD friendly
Lifetime withdrawal rate4.62%
Annual rider fee1.15%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income and Care Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate4.49%
Annual rider fee0.95%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income, Care and Family Protection Rider: Tomorrow

RMD friendly
Lifetime withdrawal rate4.47%
Annual rider fee1.15%
Guaranteed roll-up14%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Income rider

Income and Care Protection Rider: Today

RMD friendly
Lifetime withdrawal rate4.44%
Annual rider fee0.95%
Guaranteed roll-up5.77%/yr · simple · for up to 10 years
Deferral assumed0 years

GLWB

Linked review

Nassau Personal Protection Choice review notes

Detailed review of TruStage Financial Group, highlighting its strong foundation, trusted retirement solutions, and customer focus.

3.2/5Read review
Review rating details3.2/5
Financial strength3/5
Return potential3/5
Income and benefits4/5
Free benefits, liquidity, and costs3/5
Transparency and service3/5

CFA take

“In my view, the Nassau Personal Protection Choice is less of a traditional accumulation-focused FIA and more of a retirement protection and income-planning product. The annuity is clearly built around its rider ecosystem, particularly the combination of lifetime income, long-term care enhancement, and legacy protection features. For retirees concerned about multiple retirement risks simultaneously — outliving income, healthcare expenses, and leaving assets to beneficiaries — the product offers a fairly comprehensive framework under a single contract. That said, the trade-off is lower accumulation potential. The indexing rates and participation structures are relatively conservative compared to many competing FIAs, which limits upside potential during stronger market periods. In addition, the product can become fairly complex once multiple riders are layered together, and the rider fees tied to the benefit base can gradually weigh on contract value over time. The insurer’s comparatively lower financial strength ratings may also matter for more conservative buyers who prioritize carrier quality alongside contractual guarantees. Overall, I would view Nassau Personal Protection Choice as best suited for conservative retirees who prioritize guaranteed income and protection-oriented retirement planning over maximizing long-term market-linked growth.”

Nikhil Bhauwala

Common questions about Nassau Personal Protection Choice

● Can I lose money in Nassau Personal Protection Choice?

A negative index return by itself does not reduce the contract's account value: Nassau Personal Protection Choice credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, published strategy fees, withdrawals, surrender charges, 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 and Family Protection Rider: Tomorrow income rider worth the 1.15% 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 published roll-up (14%/yr · simple · for up to 10 years) and 6.77% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● How do Nassau Personal Protection Choice's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Nassau Personal Protection Choice 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

Family Protection 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

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

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 is currently unavailable for this product. Surrender terms often vary by state — confirm with the carrier before purchase.

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 34 indexed or fixed crediting options, 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 strategy variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.5% annual cap, 0% annual strategy fee
  • S&P 500 Index: 1.6% monthly point-to-point cap, 0% annual strategy fee
  • S&P 500 Index: 5.5% annual cap
  • S&P 500 Index: 1.6% monthly point-to-point cap

Income rider language

What to look for before treating the rider as income

Income and Family Protection Rider: Tomorrow is the main income rider listed 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.

  • 6.77% withdrawal rate
  • 1.15% rider fee
  • 10 deferral years
  • 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.

  • 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 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

Free Comparison Report

Get a Nassau Personal Protection Choice rate report

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

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