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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Personal Income Annuity (Group D)

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Learn how an annuity can provide guaranteed income for life.

Highlights

Personal Income Annuity is a fixed indexed annuity designed to help address three of your retirement income needs: 
  • Protection: Securing income for life with an optional guaranteed lifetime income benefit.
  • Flexibility: Meeting your individual time horizon and needs.
  • Growth: Accumulating your assets while protecting against market downturns.
Personal Income Annuity includes a choice of guaranteed minimum withdrawal benefit riders that can provide you with a guaranteed income stream 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 Income Benefit Base, age at issue, age at rider exercise and whether you elect a Single or Spousal benefit. 

Income Benefit
Income Today if withdrawals begin:
Year 1 30%
Year 2 37.5%
Year 3 45%
Plus 3% simple roll-up years 3-10 Income Tomorrow: Annual roll-up amount: 14% Restart available

Income Tomorrow:
Annual roll-up amount: 14% Restart available

Notes
  • Our products are issued through Nassau Life Insurance and Annuity Company in California.
Available in states: CA
Type
Fixed Index
Purpose Lifetime Income
Term
9 Years
Surrender schedule
7.8%6.9%6%5.1%4.2%3.2%2.3%1.4%0.4%
Free withdrawal
10%
Market value adjustment
Return of premium
Launch date
05/23/2011
Minimum contribution
$15,000
Maximum contribution
$1,000,000
Max Age Qualified
80
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
Brochure
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Find out if the Personal Income Annuity (Group D) is the right product for you.

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Withdrawal Provisions

Free Withdrawals 
During the first contract year you may withdraw the greater of; up to 10% of the Accumulation Value at the time of the withdrawal or the Required Minimum Distribution (RMD) associated with this contract. After the first contract year, it is equal to the greater of 10% of Accumulation Value on the preceding contract anniversary or the Required Minimum Distribution (RMD).

Allocation Accounts

Name Type Rates
2-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Biennial
45% Participation
1-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Annual
26% Participation
1-Year Sunrise Smart Passage SG Enhanced Participation Rate
Nassau Sunrise
Annual
48% Participation
2-Year Sunrise Smart Passage SG Enhanced Participation Rate
Nassau Sunrise
Biennial
85% Participation
1-Year Fixed Account
Fixed
3% Fixed
2-Year UBSTMAI 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
1% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
16% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
4% Cap
2-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Biennial
32% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
19% Participation
1-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Annual
23% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
13% Participation
2-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Biennial
41% Participation
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
27% Participation
1-Year UBSTMAI PTP Spread
Point to Point
Annual
6% Spread

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 Strategy: Today No 0.95% annually (1.50% max)
Income Strategy: Tomorrow No 0.95% annually (1.50% max)

Waivers

Terminal Illness

Surrender charges are waived if contract owner is diagnosed with a terminal illness on or after the first contract anniversary. A terminal illness is a condition that is expected to result in the owner’s death within six months.

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