Fixed index annuity review and rates

Personal Protection Choice (Group D)

The Personal Protection Choice is a fixed indexed annuity designed to address your specific retirement needs: 
  • Generate Guaranteed Lifetime Income with an optional rider.
  • Add Protection for Care and Family to customize your annuity.
  • Participate in Market Growth to accumulate more retirement savings.
Nassau Personal Protection Choice offers a choice of optional guaranteed lifetime withdrawal benefit riders that can provide a stream of income for life. Whether you want to begin your guaranteed income immediately or at a future date, each rider offers competitive income enhancing features to maximize your potential guaranteed benefits. Your guaranteed income amount will depend on your Benefit Base, age at issue, age at rider exercise and whether you elect a Single or Spousal benefit. 
Available in states: CA

Allocation Accounts

Name Type Rates
2-Year Sunrise Smart Passage SG Enhanced Participation Rate
Nassau Sunrise
Biennial
143% Participation
2-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Biennial
100% Participation
1-Year Sunrise Smart Passage SG Enhanced Participation Rate
Nassau Sunrise
Annual
79% Participation
1-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Annual
56% Participation
1-Year Fixed Account
Fixed
2.45% Fixed
1-Year CSTMAI PTP Spread
Point to Point
Annual
1.5% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
4.25% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
23% Participation
2-Year CSTMAI PTP Spread
Point to Point
Biennial
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
33% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.6% Cap
2-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Biennial
39% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
28% Participation
1-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Annual
27% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
19% Participation
2-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Biennial
47% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
33% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9
Penalty 8% 7% 6% 5% 4% 3% 2% 1% 0%

Riders

Name Inbuilt Fee
Income & Family Protection: Today No 1.15% annually (1.50% max)
Income & Family Protection: Tomorrow No 1.15% annually (1.50% max)
Nassau Financial Group
Founded: 1851
A.M. Best: B++
S&P: B++
Carrier details
Free withdrawal
10%
Surrender schedule
9 years
Return of premium
Market value adjustment
Minimum contribution
$15,000
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, 401a, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, SIMPLE IRA, 457 plan, 1035 Exchange, and TSP