Nassau Athos just became an even stronger accumulation story.
Effective June 1, Athos has added meaningful product enhancements, including a new non-bonus option, an increased premium bonus option, and approval in California. For clients looking for growth potential, principal protection, and a more flexible way to participate in market-linked gains, this update gives you a powerful story to bring to the table.
What’s new with Athos?
1. Now available with or without a premium bonus
Athos now gives clients two distinct accumulation paths:
Non-Bonus Option — Designed for clients who want stronger crediting potential tied to the same familiar indices, without an upfront guaranteed bonus.
Bonus Option — Designed for clients who want an upfront boost to their retirement savings. The premium bonus is now up to 16% for issue ages 0–75 and 14% for ages 76–80 in most states. Bonus availability, rates, and vesting may vary by age and state.
2. Now approved in California
Athos is now available in California, opening the door to a strong accumulation-focused FIA solution for clients in one of the country’s largest annuity markets. California will have unique product features and rates, including a premium bonus option of 14% for ages 0–75 and 10% for ages 76–80.
3. Extendable indexed account options
This is where Athos really separates itself. Clients can choose indexed account options that may be reset or extended annually into a multi-year strategy. When gains are present, the client has the ability to extend the segment instead of automatically locking in and resetting every year.
That creates a simple but powerful client conversation:
“Rather than being forced to restart every year, Athos may allow your growth strategy to keep climbing when the index is working in your favor.”
4. Retroactive participation rate potential
Athos is Nassau’s first FIA with indexed account options that can increase participation rates retroactively. This creates a unique accumulation opportunity because extended segments may apply the new declared rate back to the beginning of the segment.
Rates are declared annually and are not guaranteed, but the structure gives Athos a compelling upside story compared to more traditional annual-reset strategies.
5. 90% high-water-mark protection feature
Athos includes a “high water mark” feature that protects 90% of the highest anniversary Daily Account Value on extended indexed accounts. This helps clients pursue upside while still having a built-in protection feature if the account later moves down.
Why this matters for your accumulation clients
Athos may be a strong fit for clients who:
- Want more growth potential than a traditional fixed annuity or MYGA
- Like the idea of market-linked upside without direct market loss
- Are frustrated with short-term rate shopping and want a longer-term accumulation strategy
- Prefer flexibility between a bonus and non-bonus chassis
- Want a story that is easy to understand: climb when the market climbs, protect a portion of the high-water mark, and avoid direct downside market exposure
This is not just another indexed annuity update. Athos gives you a fresh way to talk about accumulation, especially with clients who want growth potential but are still cautious about market volatility.
Simple client positioning language:
“Nassau Athos is built for clients who want their retirement savings to keep climbing. It offers market-linked growth potential, protection from direct market losses, and the flexibility to either reset annually or extend the strategy when gains are present.”
I have updated materials available, including illustrations, client-approved scenarios, state availability, and a simple explanation of how the extendable indexed account works.
If you would like to see how Athos compares to other accumulation-focused FIAs, or if you want help identifying which clients in your book may be a good fit, let’s schedule a quick call.
