Athos Accumulation FIA

Would You Sell a 2-Year FIA If Year 1 Was Protected?

It’s not the multi-year point-to-point story you’re thinking of. Start with a 1-year strategy. If extending later makes sense, the client can move into the longer segment after seeing actual first-year results.

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See Athos in Action

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.

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. On an extended segment, if the new rate is better, it can apply retroactively to the beginning of the original segment—using the participation rate or cap, depending on the strategy. Instead of asking clients to predict the future, you are helping them make a more informed decision after they have already experienced positive performance.

More Reasons to Take a Look.

90%

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.

PTP

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.

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Retroactive Rate Opportunity

On an extended segment, if the new rate is better, it can apply back to the start of that segment using the participation rate or cap, depending on the strategy.

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

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Have a case? Send us the basic client information and EverVest will prepare a personalized Athos illustration for you.

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For financial professional use only. Not for public distribution. Product features, rates, caps, participation rates, state availability, surrender charge periods, and indexed account availability are subject to change and may vary by state, issue age, and carrier rules. Growth is not guaranteed. Withdrawals may be subject to surrender charges, market value adjustment, 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.

Would You Sell a 2-Year FIA If Year 1 Was Protected?

See How Athos Changes the Multi-Year PTP Conversation.

The Difference Is Flexibility.

More Reasons to Take a Look.

90% High-Water Mark Protection

Uncapped, Participation-Rate Based

Retroactive Rate Opportunity

Understand the Story. Design the Case. Move Forward.

Run an Illustration

Get an Illustration

Download the Marketing Kit

EverVest, Inc.

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