Nassau Personal Protection Choice FIA Review

Name: Nassau Personal Protection Choice
Brand: Nassau Life

Model this product

See what Nassau Personal Protection Choice would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of September 22, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$236,881

Est. value at age 80 (Nassau Personal Protection Choice)

5.5%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 5.5% 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 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. Not a projection, quote, or guarantee. Live CANNEX rates as of September 22, 2026.

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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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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 September 22, 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

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

5.5% cap rate

Annual cap

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

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

1.6% cap rate

Monthly cap

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

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

26% participation rate

Participation

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

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

Strategy Fee Included

37% participation rate

Participation

Strategy fee: 1%/yr

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

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

37% participation rate

Participation

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

2-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

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

2-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

24% participation rate

Participation

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

1-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

33% participation rate

Participation

Strategy fee: 1%/yr

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

1-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

33% participation rate

Participation

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

2-year term

10-year surrender

Does not vary by premium

Nasdaq-100

Nasdaq-100 Index

Strategy Fee Included

45% participation rate

Participation

Strategy fee: 1%/yr

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

2-year term

10-year surrender

Does not vary by premium

Fixed Account

2.7% declared rate

Fixed account

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

1-year term

10-year surrender

Does not vary by premium

+ 6 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

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

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

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

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

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

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.

All crediting strategies

View rate listings (28 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Spread: 1.5% · 1-yr

UBS Tactical Multi Asset Index

participation