Fixed index annuity review and rates

Personal Retirement Choice (Group C)

The Personal Retirement Choice is a fixed indexed annuity designed to address the retirement risks with a variety of features and options for accumulation, protection and income:
  • Help Address Savings Shortfalls with a generous upfront premium bonus.
  • Combat Inflation with potential growth based on the positive performance of a market index.
  • Guard Against Market Losses with principal protection.
  • Generate Income for Life with an optional Guaranteed Lifetime Income Benefit.
Boost Premium with a Bonus
Nassau Personal Retirement Choice immediately adds to your premium a bonus that vests over time. This bonus is eligible to earn interest credits, thereby increasing your growth potential.

Indexed Accounts Harness Market Upside
Indexed accounts credit interest to your annuity when the index experiences positive market performance.

Principal Protection
Nassau Personal Retirement Choice allows you to benefit from the growth of the market without downside risk. This is because the minimum index credit applied to your account value is guaranteed never to be less than 0. Your account will never lose value due to market downturns. 
Available in states: AK, IL, LA, MN, MO, NH, OR, PA, UT, VT, VA, WA, and WY

Allocation Accounts

Name Type Rates
2-Year Sunrise Smart Passage SG Enhanced Participation Rate
Nassau Sunrise
Biennial
85% Participation
2-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Biennial
45% Participation
1-Year Sunrise Smart Passage SG Enhanced Participation Rate
Nassau Sunrise
Annual
48% Participation
1-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Annual
26% Participation
1-Year Fixed Account
Fixed
1.2% Fixed
1-Year CSTMAI PTP Spread
Point to Point
Annual
6% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
2% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
16% Participation
2-Year CSTMAI PTP Spread
Point to Point
Biennial
7% Spread
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
25% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
0.95% Cap
2-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Biennial
31% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
17% Participation
1-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Annual
21% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
12% Participation
2-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Biennial
38% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
26% Participation

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%
Nassau Financial Group
Founded: 1851
A.M. Best: B++
S&P: B++
Carrier details
Free withdrawal
10%
Premium bonus
4%
Surrender schedule
10 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