Nassau Bonus Annuity Plus
Nassau Life
6.25%
Best Cap
5%
Free W/D
48
States
Nassau Bonus Annuity Plus is a fixed indexed annuity that immediately boosts your retirement savings with a guaranteed upfront bonus, lets you capture market gains through multiple indexed accounts, and protects your principal from losses. It's designed for retirees and near-retirees who want growth potential with safety and flexibility.
Free Withdrawal
5%/yr
Available In
48 states
Min Premium
$15,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Nasdaq-100 Index | 2-Year | -- | 35% | -- |
| Nasdaq-100 Index | Annual | -- | 37% | -- |
| Smart Passage SG Index | 2-Year | -- | 40% | -- |
| Smart Passage SG Index | Annual | -- | 46% | -- |
| S&P 500 Index | 2-Year | -- | 66% | -- |
| S&P 500 Index | Annual | 6.25% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.2% |
Key Features
Premium Bonus
Up to 21% of premiumA guaranteed upfront bonus is added to your premium immediately and vests over 10 years, boosting your starting contract value.
Indexed Account Options
Multiple strategy choices with cap, participation, and enhanced participation ratesChoose from 17 indexed accounts linked to S&P 500, Nasdaq-100, or Smart Passage SG Index, plus a fixed account. You earn credits when the index rises and earn 0% (not negative) when it falls.
Free Withdrawal Rollover
Up to 5% annually, accumulating to 25%Withdraw up to 5% of your contract value annually without surrender charges. Unused amounts can roll over and accumulate to 25% if you don't withdraw.
Principal Protection
0% floor on index creditsInterest credited to your account is guaranteed never to be less than 0%, protecting your principal and previously earned interest from market downturns.
Tax-Deferred Growth
Tax deferral on all indexed and fixed account earningsAll earnings grow tax-deferred, compounding faster than taxable investments. Tax-deferred earnings don't count toward Social Security taxation thresholds.
Return of Premium
100% of premium (minus prior withdrawals and fees)After 5 years, you can surrender and receive your original premium back (minus withdrawals and fees). At death, your beneficiary gets at least your premium back.
Enhanced Benefit Fee
0.95% annually during 10-year periodA 0.95% annual fee applies during the 10-year surrender period for the premium bonus, liquidity rollover, and early return of premium benefits.
Highlights
Immediate premium bonus (up to 21%) added to your contract on day one
Participate in market upside through indexed accounts while protecting against losses with a 0% floor
Flexible access to your money with free withdrawals that can accumulate up to 25% annually
Tax-deferred growth means your earnings compound without annual tax drag
Return of premium features protect your principal even after market downturns
Surrender Schedule
Yr 1
12%
Yr 2
12%
Yr 3
12%
Yr 4
11%
Yr 5
10%
Yr 6
9%
Yr 7
8%
Yr 8
7%
Yr 9
6%
Yr 10
4%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees seeking to grow retirement savings with market exposure while protecting principal, who can commit funds for at least 10 years and want tax-deferred compounding.
Consider Alternatives If
Investors who need immediate access to their full principal, those in lower tax brackets who don't benefit from tax deferral, or anyone who cannot tolerate a 10-year surrender charge period.
Carrier Ratings
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