PRC Product Rates
Personal Retirement Choice
Rates for new contracts effective: February 2021
Also, see Issuing Companies and Surrender Schedules by State and Product Availability.
Rates for new contracts effective: February 2021
Also, see Issuing Companies and Surrender Schedules by State and Product Availability.
Group A* - For use in: AL, AZ, AR, CO, DC, GA, HI, IN, KS, MD, MI, NE, NV, NC, NM, ND, OK, RI, SD, TN, WV
| 8% Premium Bonus - Income Benefit | |||
| Indexed Account | Cap | Participation | Spread |
|---|---|---|---|
| Monthly S&P 500 - Cap | 1.70% | ||
| 1-Year S&P 500 - Cap | 2.75% | ||
| 2-Year S&P 500 - Cap | 6.00% | ||
| 1-Year S&P 500 - Par | 18% | ||
| 2-Year S&P 500 - Par | 27% | ||
| 1-Year S&P 500 - Par/spread | 20% | 2.00% | |
| 2-Year S&P 500 - Par/spread | 35% | 4.00% | |
| 3-Year S&P 500 - Par/spread | 51% | 9.00% | |
| 1-Year CSTMAI | 4.00% | ||
| 2-Year CSTMAI | 4.00% | ||
| Fixed Account | 1.50% | ||
| Guaranteed Minimum Fixed Account Interest Rate | 0.00% | ||
|
* If the oldest contract owner is age 81 or older at issue, the contract will be issued with the Group B States surrender charge schedule and crediting rates. |
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| 8% Premium Bonus - No Income Benefit | |||
| Indexed Account | Cap | Participation | Spread |
|---|---|---|---|
| Monthly S&P 500 - Cap | 1.70% | ||
| 1-Year S&P 500 - Cap | 2.75% | ||
| 2-Year S&P 500 - Cap | 6.00% | ||
| 1-Year S&P 500 - Par | 18% | ||
| 2-Year S&P 500 - Par | 27% | ||
| 1-Year S&P 500 - Par/spread | 20% | 2.00% | |
| 2-Year S&P 500 - Par/spread | 35% | 4.00% | |
| 3-Year S&P 500 - Par/spread | 51% | 9.00% | |
| 1-Year CSTMAI | 4.00% | ||
| 2-Year CSTMAI | 4.00% | ||
| Fixed Account | 1.50% | ||
| Guaranteed Minimum Fixed Account Interest Rate | 0.00% | ||
Group B - For use in: DE, FL, ID, KY, MS, MT, OH, SC, TX, WI
| 8% Premium Bonus - Income Benefit | |||
| Indexed Account | Cap | Participation | Spread |
|---|---|---|---|
| Monthly S&P 500 - Cap | 1.45% | ||
| 1-Year S&P 500 - Cap | 2.25% | ||
| 2-Year S&P 500 - Cap | 4.75% | ||
| 1-Year S&P 500 - Par | 15% | ||
| 2-Year S&P 500 - Par | 22% | ||
| 1-Year S&P 500 - Par/spread | 17% | 2.00% | |
| 2-Year S&P 500 - Par/spread | 27% | 4.00% | |
| 3-Year S&P 500 - Par/spread | 41% | 9.00% | |
| 1-Year CSTMAI | 5.50% | ||
| 2-Year CSTMAI | 6.00% | ||
| Fixed Account | 1.20% | ||
| Guaranteed Minimum Fixed Account Interest Rate* | 0.00% | ||
|
* The guaranteed minimum fixed account interest rate is 0.25% in FL and 1.00% in KY, MS, OH, SC, TX |
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| 5% Premium Bonus - No Income Benefit | |||
| Indexed Account | Cap | Participation | Spread |
|---|---|---|---|
| Monthly S&P 500 - Cap | 1.45% | ||
| 1-Year S&P 500 - Cap | 2.25% | ||
| 2-Year S&P 500 - Cap | 4.75% | ||
| 1-Year S&P 500 - Par | 15% | ||
| 2-Year S&P 500 - Par | 22% | ||
| 1-Year S&P 500 - Par/spread | 17% | 2.00% | |
| 2-Year S&P 500 - Par/spread | 27% | 4.00% | |
| 3-Year S&P 500 - Par/spread | 41% | 9.00% | |
| 1-Year CSTMAI | 5.50% | ||
| 2-Year CSTMAI | 6.00% | ||
| Fixed Account | 1.20% | ||
| Guaranteed Minimum Fixed Account Interest Rate* | 0.00% | ||
|
* The guaranteed minimum fixed account interest rate is 0.25% in FL and 1.00% in KY, MS, OH, SC, TX |
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Group C - For use in: AK, HI, IL, LA, MN, MO, NH, OR, PA, TX, UT, VT, VA, WA, WY
| 8% Premium Bonus - Income Benefit | |||
| Indexed Account | Cap | Participation | Spread |
|---|---|---|---|
| Monthly S&P 500 - Cap | 1.45% | ||
| 1-Year S&P 500 - Cap | 2.25% | ||
| 2-Year S&P 500 - Cap | 4.75% | ||
| 1-Year S&P 500 - Par | 15% | ||
| 2-Year S&P 500 - Par | 22% | ||
| 1-Year S&P 500 - Par/spread | 17% | 2.00% | |
| 2-Year S&P 500 - Par/spread | 27% | 4.00% | |
| 3-Year S&P 500 - Par/spread | 41% | 9.00% | |
| 1-Year CSTMAI | 5.50% | ||
| 2-Year CSTMAI | 6.00% | ||
| Fixed Account | 1.20% | ||
| Guaranteed Minimum Fixed Account Interest Rate | 1.00% | ||
| 4% Premium Bonus - No Income Benefit | |||
| Indexed Account | Cap | Participation | Spread |
|---|---|---|---|
| Monthly S&P 500 - Cap | 1.45% | ||
| 1-Year S&P 500 - Cap | 2.25% | ||
| 2-Year S&P 500 - Cap | 4.75% | ||
| 1-Year S&P 500 - Par | 15% | ||
| 2-Year S&P 500 - Par | 22% | ||
| 1-Year S&P 500 - Par/spread | 17% | 2.00% | |
| 2-Year S&P 500 - Par/spread | 27% | 4.00% | |
| 3-Year S&P 500 - Par/spread | 41% | 9.00% | |
| 1-Year CSTMAI | 5.50% | ||
| 2-Year CSTMAI | 6.00% | ||
| Fixed Account | 1.20% | ||
| Guaranteed Minimum Fixed Account Interest Rate | 1.00% | ||
Important Disclosures
We reserve the right to revise declared rates at any time.
Annuity payments and guarantees are based on the claims-paying ability of the issuing company.
For producer use only. Not for distribution to the public. Products are subject to state approval.
Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply.
The 1-year and 2-year CSTMAI accounts are not available in Iowa.
The 2-year CSTMAI, and 2-year S&P 500 accounts are not available in New Hampshire.
Non-Security Status: The Contracts and the Separate Account (Segregated Asset Account) are not registered with or reviewed by the SEC in reliance on exemptions under Federal Securities Law.
The CS Tactical Multi Asset Index™ is sponsored and published by Credit Suisse. Nassau has entered into an exclusive license agreement with Credit Suisse providing for the right to use the CS Tactical Multi Asset Index and related trademarks in connection with our indexed annuities. The annuities are not sponsored, endorsed, sold or promoted by Credit Suisse. Credit Suisse makes no representation or warranty, express or implied, regarding the advisability of investing in the annuities, and has no obligation or liability in connection with the administration, marketing or sale of Nassau annuities.
S&P 500® is a registered trademark licensed for use by SPDJI and sublicensed for certain purposes by Nassau. The products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the represented index(s).
Nassau Personal Retirement Choice (19FIA, ICC19EIAN and ICC19EIA) is issued by Nassau Life and Annuity Company (Hartford, CT). In California, Nassau Life and Annuity Company does business as “Nassau Life and Annuity Insurance Company.” Nassau Life and Annuity Company is not authorized to conduct business in MA, ME and NY, but that is subject to change. Nassau Life and Annuity Company is a subsidiary of Nassau Financial Group.
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BPD3958906-18