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

Personal Protection Choice (Group D)

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Highlights

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.

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
06/04/2012
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
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Find out if the Personal Protection Choice (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 Enhanced Participation Rate
Nassau Sunrise
Biennial
148% Participation
2-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Biennial
105% Participation
1-Year Sunrise Smart Passage SG Enhanced Participation Rate
Nassau Sunrise
Annual
83% Participation
1-Year Sunrise Smart Passage SG Participation Rate
Nassau Sunrise
Annual
60% Participation
1-Year Fixed Account
Fixed
3% Fixed
1-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Annual
38% Participation
2-Year S&P 500 PTP Enhanced Participation Rate
Point to Point
Biennial
52% Participation
1-Year Nasdaq-100 PTP Participation Rate
Point to Point
Annual
23% Participation
1-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Annual
33% Participation
2-Year Nasdaq-100 PTP Participation Rate
Point to Point
Biennial
32% Participation
2-Year Nasdaq-100 PTP Enhanced Participation Rate
Point to Point
Biennial
45% Participation
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.6% Cap
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
36% Participation
2-Year UBSTMAI PTP Spread
Point to Point
Biennial
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
27% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
6% Cap
1-Year UBSTMAI PTP Spread
Point to Point
Annual
1.5% 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 & Family Protection: Today No 1.15% annually (1.50% max)
Income & Family Protection: Tomorrow No 1.15% 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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