Athos Accumulation FIA

Stop Asking Clients to Predict the Market.

Let clients see a full year of results before deciding what comes next. Start with a 1-Year Point-to-Point Strategy. After a positive first year, the client can lock in gains or extend into a longer strategy.

Traditional accumulation-focused FIAs force the decision on day one. Athos gives clients the flexibility to make a more informed choice after they have experienced actual performance.

This innovative FIA changes the conversation.

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How Athos Works

See the Results First. Decide What Comes Next.

Start With a 1-Year Strategy

Review Year 1 Performance

Positive Return?

Lock In Gains
and Begin Again

Extend the Strategy
at the Higher Rate

Decide after seeing the results—not before.

The Difference Is Flexibility.

Your client begins in a traditional 1-Year Point-to-Point Strategy. At the end of the first contract year, if the strategy has generated a positive return, the client has two options.

Option 1: Lock In Their Gains Keep the credited interest and begin a new annual strategy, giving them the flexibility to evaluate new opportunities every year.

Option 2: Extend the Strategy If they believe the market has additional upside potential, they can extend the original strategy into a longer multi-year term. When they do, the higher multi-year participation rate is applied retroactively to the beginning of the original segment—as if they had selected the multi-year strategy from day one. Instead of asking clients to predict the future, you are helping them make a more informed decision after they have already experienced positive performance. That is a story most advisors have never been able to tell.

Day 1: Client Chooses a 1-Year Point-to-Point Strategy Maintain flexibility without making a long-term commitment before the market outcome is known.

End of Contract Year 1 Review the strategy’s performance.

Positive Return?

Option 1

Lock In Their Gains

Keep the credited interest
Begin a new annual strategy
Evaluate new opportunities each year
Maintain annual flexibility

Begin a New Annual Term

Option 2

Extend the Strategy

Continue pursuing additional growth potential
Extend into a longer multi-year term
Receive the higher multi-year participation rate
Apply that rate retroactively to Day 1

Higher Participation Rate Applied to the Entire Original Segment

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More Reasons to Take a Look.

90%

Daily High-Water Mark

During the extended strategy, 90% of the highest contract anniversary value achieved becomes the protected value for the remainder of the strategy. Clients can pursue additional growth while protecting much of what they have already earned.

∞

Uncapped Growth Potential

Choose from innovative S&P and Nasdaq-based volatility-controlled index options designed for uncapped growth potential. Participation rates determine how much of the index return the client receives.

Optional Premium Bonus

Clients may elect an optional premium bonus to increase their starting accumulation value, putting more dollars to work from day one and creating greater long-term accumulation potential.

Why EverVest + Take the Next Step

Understand the Story. Design the Case. Move Forward.

EverVest helps you position Athos clearly, prepare the right illustration, and get the product resources you need to confidently move the opportunity forward.

More Than Product Access We help you explain the concept and close more business—not simply hand you a product.

Product training and sales concepts

Personalized illustrations and case design

Direct access to annuity specialists

Get the Marketing Kit & Sample Illustration

Request the approved Athos marketing materials, product information, and a sample illustration to help you understand and present the opportunity.

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For financial professional use only. Product features, rates, caps, participation rates, premium bonus availability, state availability, surrender charge periods, vesting schedules, and indexed account availability are subject to change and may vary by state, issue age, and carrier rules. Products offering a bonus may offer less favorable credited interest rates, participation rates, and cap rates than products not offering a bonus. Growth is not guaranteed. Withdrawals may be subject to surrender charges, market value adjustment, recovery of non-vested premium bonus, ordinary income tax, and, if taken before age 59½, a 10% IRS penalty. Guarantees are based on the claims-paying ability of Nassau Life and Annuity Company. Insurance Products: NOT FDIC or NCUA Insured | NO Bank or Credit Union Guarantee.

For agent use only. Not intended for use with the general public or consumers. Product availability, features, and rates may vary by state and are subject to change without notice. Information provided on this website is for informational purposes only and does not constitute a solicitation or offer to sell insurance or annuity products in any jurisdiction where such solicitation or offer would be unlawful. Please contact EverVest directly to confirm the most current product details, availability, and rates. Main: 888-990-5501