Annuity Atlas
Reviews

Expert review · 2025

Nassau review

Annuity Atlas has published 13 editorial reviews of Nassau products. Average peer-group rating 3.8 / 5, top-rated product earns 4.1 / 5. Browse the full lineup below.

Our rating

3.8
Avg ★ / 5
Products reviewed13
A.M. BestB++
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Reviews published
13
Average rating
★ 3.8 / 5
A.M. Best
B++
Categories covered
MYGA · Income · FIA
01

13 Nassau annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
MYAnnuity 7X (10% Free Withdrawals)
Savers who want a locked 7-year rate but also want guaranteed penalty-free access to part of their money every single year
MYGA7yrB++Review →
MYAnnuity 5X (10% Free Withdrawals)
Savers who want a 5-year locked rate but also want the option to pull 10% of the account annually without penalty
MYGA5yrB++Review →
Personal Income Annuity
Buyers who want to build future protected income with an aggressive roll-up or benefit-base bonus, and who can commit long-term money for a full decade
Income10yr 3.9Yes
0.95% of Income Benefit Base annually, deducted from contract value (max 1.50%; fee can increase on rider restart) fee
Review →
Simple Annuity 4
Savers who want a short, high-yielding rate lock with free withdrawal access from day one and are comfortable with a carrier rated B++ rather than A- or better
MYGA4yrB++Review →
Growth Annuity 7-Year
Buyers who want principal protection and a wide menu of index-crediting strategies over a 7-year window, and who don't need a lifetime income rider
FIA7yr 3.8Review →
Income Accelerator
Buyers who want to defer income for several years, want a built-in guaranteed-withdrawal rider with a choice of payout styles, and are comfortable with a B++ carrier and a long, front-loaded surrender schedule
Income10yr 3.8Yes
0.95% of Income Benefit Base annually, deducted from contract value (guaranteed until 10th rider anniversary; may increase thereafter but never exceeds 1.50%) fee
Review →
MYAnnuity 7X (0% Free Withdrawals)
Buyers who are confident they won't touch this money before the guarantee period ends and want to squeeze extra guaranteed yield out of a locked-rate contract
MYGA7yrB++Review →
Simple Annuity 6
Savers who want a straightforward, six-year locked-rate annuity with no riders, no bonus gimmicks, and clean RMD handling
MYGA6yrB++Review →
Bonus Annuity
Patient accumulation buyers who will hold the full ten years and want an upfront account-value premium bonus on top of principal-protected, index-linked growth
FIA10yr 3.710% (issue ages 0-80, premium $15,000-$1,000,000) / 7% (issue ages 81-85, premium $15,000-$500,000)Review →
Growth Annuity 10-Year
Buyers who want a deep menu of index-crediting strategies, transparent guaranteed floors, and the flexibility to add income later, and who are comfortable with a carrier rated a notch below the top financial-strength tier
FIA10yr 3.7Review →
Personal Protection Choice
Buyers who want one principal-protected contract that can be steered toward accumulation, lifetime income, chronic-illness support, or legacy protection through an optional combination rider
FIA10yr 3.7Review →
MYAnnuity 5X (0% Free Withdrawals)
Savers who genuinely will not touch this money for five years and want to squeeze the last basis points out of a locked rate
MYGA5yrB++Review →
Bonus Annuity Plus
Buyers who want a large upfront account-value boost, will genuinely leave the money untouched for the full 10 years, and understand they are paying an annual fee to get the bonus
FIA10yr 3.421% for issue ages 0-80 (premium $15,000-$1,000,000); 15% for issue ages 81-85 (premium $15,000-$500,000)Review →
02

What you could receive

Live projection for Nassau Income Accelerator Group B with Flex Forward Income Benefit Rider — single life, issue age 62, income beginning at 67. Illustrative, not a quote; figures refresh from Annuity Rate Watch.

PremiumMonthlyAnnual
$250,000$3,046$36,548
$500,000$6,091$73,095
$1,000,000$12,183$146,190
03

Income rider fees

Disclosed charges for optional riders on Nassau products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
NGA Amplified Income PlusGrowth Annuity 10-Year0.95% annually (1.50% max)
NGA Amplified Income Plus with RIOGrowth Annuity 10-Year0.95% annually (1.50% max)
Flex Forward Income Benefit RiderIncome Accelerator0.95% annually
Income Horizon: EarlyIncome Accelerator0.95% annually (1.50% max)
Income Horizon: LaterIncome Accelerator0.95% annually (1.50% max)
Personal Income Annuity: Income Strategy: TodayPersonal Income Annuity0.95% annually (1.50% max)
Personal Income Annuity: Income Strategy: TomorrowPersonal Income Annuity0.95% annually (1.50% max)
Family ProtectionPersonal Protection Choice0.20% annually

+6 more riders listed on individual product pages.

04

Frequently asked questions

Is Nassau a good annuity company?
Nassau earns an average rating of 3.8/5 across the 13 products we've reviewed, and A.M. Best rates the carrier B++ for financial strength.
How much income can I get from a Nassau annuity?
Income depends on your premium, age, and start date. At our benchmark scenario — single life, issue age 62, income beginning at 67 — Nassau's highest-paying income product (Nassau Income Accelerator Group B) currently projects about $73,095 per year on a $500,000 premium, or $36,548 on $250,000. Figures are illustrative, based on live Annuity Rate Watch data, and are not a quote.
What are the fees for Nassau annuities?
Fee structures vary by product. Optional income riders on Nassau products carry disclosed charges — for example NGA Amplified Income Plus (Growth Annuity 10-Year): 0.95% annually (1.50% max); NGA Amplified Income Plus with RIO (Growth Annuity 10-Year): 0.95% annually (1.50% max); Flex Forward Income Benefit Rider (Income Accelerator): 0.95% annually . See each product review for the full fee detail.
What is the surrender period for Nassau annuities?
Surrender periods on Nassau's current lineup run 4–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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