Nassau Income Accelerator
Nassau Life
3.5%
Best Cap
10%
Free W/D
48
States
Nassau Income Accelerator is a fixed indexed annuity designed to provide guaranteed lifetime income starting whenever you choose—whether now or years from now. It's built for retirees who want predictable income they can't outlive while maintaining growth potential and withdrawal flexibility.
Free Withdrawal
10%/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 | -- | 17% | -- |
| Nasdaq-100 Index | Annual | -- | 25% | -- |
| Smart Passage SG Index | 2-Year | -- | 85% | -- |
| Smart Passage SG Index | Annual | -- | 26% | -- |
| S&P 500 Index | 2-Year | -- | 38% | -- |
| S&P 500 Index | Annual | 3.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 1.25% |
Key Features
Income Horizon: Early
Ideal for immediate retirement income needsProvides steady guaranteed lifetime income designed to begin within three years of purchase.
Income Horizon: Later
Maximizes income growth through deferralProvides steady guaranteed lifetime income designed to begin four or more years after purchase.
Flex-Forward Income Benefit
Bridge retirement gap before Social Security; max out early yearsOffers higher income payments for up to eight years (Early Income Feature), then lower lifetime payments (Lifetime Income Feature).
Income Benefit Base Bonus & Rollups
Income Benefit Base can grow from $100,000 to $240,000+ in 10 years10% upfront bonus plus 10% simple interest credits each year you defer rider exercise.
Principal Protection
Account value protected even when markets declineMinimum index credit guaranteed never to be less than 0%, protecting principal from market losses.
13 Indexed Account Options
Diversification and flexibility to match risk toleranceChoose from strategies tracking Nasdaq-100, S&P 500, and Smart Passage SG indices with various cap rates, participation rates, and volatility controls.
Penalty-Free Withdrawals
Access to 10% per year during surrender periodUp to 10% of contract value available annually without surrender charges, Market Value Adjustments, or fees.
RMD Flexibility
No penalties for tax-required distributionsRequired Minimum Distributions not subject to fees or Market Value Adjustments.
Return of Premium
Death benefit guaranteed to exceed or equal premiumUpon surrender after the period ends, you receive no less than your premium minus prior withdrawals and rider fees.
Total Guaranteed Value (TGV)
Safety floor regardless of market or withdrawal activityMinimum cash surrender value, death benefit, or annuitization value equal to at least 87.5% of single premium accumulated at guaranteed rate.
Highlights
Guaranteed lifetime income with three flexible rider options tailored to your retirement timeline
10% upfront bonus plus 10% annual simple interest credits to your income benefit base for up to 10 years
Principal protection with 0% minimum index credit—your money is protected from market losses
Up to 10% penalty-free withdrawals each year, plus RMD flexibility without fees or market value adjustments
Choice of 13 indexed accounts tracking Nasdaq-100, S&P 500, and Smart Passage SG indices
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 guaranteed lifetime income with flexibility to start payments on their timeline, who want principal protection and the potential for market-linked growth.
Consider Alternatives If
Investors with short-term financial goals, those under age 50 unable to purchase riders in Maryland, or those who may need full liquidity without surrender penalties in the next 10 years.
Carrier Ratings
Free Comparison Report
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