Growth Annuity
10% S&P 500 Cap.
Position Nassau Growth Annuity for clients who want a simple growth story: a current 10.00% S&P 500 cap rate, multiple non-cap indexed strategies, 10% free withdrawal options, and access to guaranteed lifetime withdrawal benefit riders on eligible 10-year contracts.
A clean rate story with strategy flexibility.
Lead with the current 10% S&P 500 cap, then expand the conversation with the additional non-cap strategies available through participation and enhanced participation indexed accounts.
10% S&P 500 Cap Rate
Use the 1-year S&P 500 cap strategy as the headline. Clients can also allocate among indexed account options tied to the S&P 500, Nasdaq-100, and Sunrise Smart Passage SG Index, plus fixed account options.
The product includes six standard non-cap participation strategies across S&P 500, Nasdaq-100, and Sunrise Smart Passage SG 1-year and 2-year options, before enhanced participation strategies are added.
Nassau Growth Annuity includes 13 indexed accounts plus a fixed account, giving producers more than one way to position accumulation potential.
Built to be easy to explain.
This page keeps the producer-facing story focused on rate, access, availability, and protection features.
10% free withdrawals
Each year during the surrender charge period, the client may withdraw up to the contract’s free withdrawal amount without surrender charges or MVA. Use “available 30 days from issue” only where confirmed for the case/state by Nassau materials or sales desk.
NH & terminal illness waivers
Surrender charges may be waived if the owner is confined to a hospital or nursing home for at least 90 consecutive days, or diagnosed with a qualifying terminal illness, subject to state availability and conditions.
Available broadly
Nassau Life and Annuity Company is not authorized to conduct business in Maine or New York; state variations and restrictions may apply.
Indexed account options producers can position.
The headline cap is simple, but the strategy menu provides flexibility for different accumulation preferences.
| Strategy Type | Available Indexed Accounts | How to Position |
|---|---|---|
| Point-to-Point with Cap | 1-Year S&P 500 with cap | Headline cap-rate story. |
| Point-to-Point with Participation | 1- and 2-Year S&P 500; 1- and 2-Year Nasdaq-100 | Non-cap upside participation approach. |
| Sunrise with Participation | 1- and 2-Year Sunrise Smart Passage SG | Non-cap strategy using the Sunrise Adjustment. |
| Enhanced Participation with Strategy Fee | 1- and 2-Year S&P 500, Nasdaq-100, and Sunrise Smart Passage SG | Higher participation rates with a 1.00% annual strategy fee. |
Access and waiver features matter.
Broad state availability.
Up to 7.75% street comp potential.
Use this as a producer-facing highlight alongside Nassau’s all-FIA commission special. Nassau’s flyer states that eligible FIA applications signed and received April 27 through June 30 and issued by August 31, 2026 receive an additional 50 basis points, subject to program terms.
For producer use only. Confirm final street compensation, qualification thresholds, chargebacks, and case eligibility with EverVest / Nassau before distributing.
Run the Nassau Growth Annuity conversation through EverVest.
Use this page to position the 10% S&P 500 cap rate, review the available strategies, and prompt producers to request a current illustration or appointment support through EverVest.
Request Rates or an Illustration
Send the details and EverVest will help with the next step.
Important disclosures: Nassau Growth Annuity® is a single premium accumulation-focused fixed indexed annuity with guaranteed lifetime withdrawal benefit options. Product features, rider options, rates, and availability may vary by state and are subject to change. Guarantees are based on the claims-paying ability of Nassau Life and Annuity Company. Nassau Life and Annuity Company is not authorized to conduct business in ME and NY. Insurance products are not FDIC or NCUA insured and have no bank or credit union guarantee. This page is designed for producer-facing marketing support; confirm all current rates, compensation, and state-specific availability before use.