Nassau Athos Accumulation FIA Would You Sell a 2-Year FIA If Year 1 Was Protected?
See How Athos Changes the Multi-Year PTP Conversation.
Watch how the 1-year starting point, extension option, high-water mark, and retroactive rate feature work together.
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.
More Reasons to Take a Look.
90% High-Water Mark Protection
During an extended strategy, 90% of the highest contract anniversary value achieved becomes the protected value for the remainder of that strategy.
Uncapped, Participation-Rate Based
Select S&P and Nasdaq-based volatility-controlled index strategies can provide uncapped index-crediting potential. The participation rate determines how much of the index return is credited.
Retroactive Rate Opportunity
On an extended segment, if the newly declared participation rate is higher, it can apply back to the start of that segment.
Athos key facts at a glance
- Product: Nassau Athos Annuity, a single premium deferred fixed indexed annuity
- Issuer: Nassau Life and Annuity Company (Hartford, CT)
- Starting strategy: 1-Year Point-to-Point
- At the first anniversary (with a gain): lock in the credit and start a new annual strategy, or extend into a longer segment
- High-water mark: 90% of the highest contract anniversary value is protected during an extended strategy
- Retroactive upgrade: a higher newly declared participation rate can apply back to the start of an extended segment
- Crediting: participation-rate based, uncapped on select S&P and Nasdaq-based volatility-controlled indices
- Availability: not available in ME or NY; features vary by state
Athos Questions Advisors Ask.
What is the Nassau Athos Annuity?
Athos is a single premium deferred fixed indexed annuity issued by Nassau Life and Annuity Company. Clients start in a 1-Year Point-to-Point strategy, and after a positive first year they can either lock in the credit or extend into a longer segment.
How does the lock-or-extend choice work?
At the end of the first contract year, if the strategy has a positive return, the client chooses. Locking in keeps the credited interest and starts a new annual strategy. Extending moves the original strategy into a longer multi-year term, so the decision is made after seeing actual first-year results.
What is the 90% high-water mark?
During an extended strategy, 90% of the highest contract anniversary value achieved becomes the protected value for the rest of that strategy.
How does the retroactive upgrade work?
On an extended segment, if the newly declared participation rate is higher, it can apply retroactively to the beginning of the original segment. If the rate is not higher, the upgrade does not apply.
Is Athos capped?
Select S&P and Nasdaq-based volatility-controlled index strategies are participation-rate based and uncapped. The participation rate determines how much of the index return is credited. Rates are subject to change.
Where is Athos available?
Nassau Life and Annuity Company is not authorized to do business in Maine or New York. Product features, indexed account availability and surrender charge periods vary by state.
How do I get an illustration or get contracted?
Use the illustration request on this page and EverVest will prepare a personalized Athos illustration. To sell Athos, get contracted through EverVest using the Get Contracted link, or call 952-542-6300.
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.
Extra 1% (100 bps) Commission on Nassau FIAs
Applies to Nassau FIA applications, including Athos, signed and received October 1 through November 30, 2026, and issued by February 1, 2027. Available to Nassau-contracted producers in all issue states.
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