Nassau Flex Forward Annuity – Customizable Income for Every Retirement Stage
At Diversified Insurance Brokers, we specialize in helping individuals design retirement income strategies that offer security, flexibility, and long-term growth potential. The Nassau Flex Forward Annuity is a fixed indexed annuity designed to help you bridge income gaps, optimize Social Security benefits, and secure guaranteed lifetime income.
Customizable Income Riders
This annuity stands out with three guaranteed withdrawal benefit rider options, allowing you to tailor your income plan based on your retirement timeline. Whether you need early income, steady lifetime payments, or flexibility for the future, the Nassau Flex Forward can adapt to your goals.
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Optimizing Social Security
By using the Nassau Flex Forward for early retirement income, you can delay claiming Social Security—potentially increasing your future Social Security payouts. This approach can significantly enhance long-term retirement income.
Tax-Deferred Growth and Principal Protection
Your earnings grow tax-deferred until you begin withdrawals, allowing your account value to compound more effectively. Plus, principal protection ensures you won’t lose your initial investment due to market downturns, while indexed crediting strategies offer growth opportunities.
Return of Premium Guarantee
The Return of Premium feature ensures that your beneficiaries will receive no less than your original premium amount (minus withdrawals and fees), offering additional peace of mind.
Why Work with Diversified Insurance Brokers
Our advisors review top-rated carriers and compare features to ensure you find the annuity that delivers the right combination of growth potential, income security, and flexibility for your retirement needs.
🎯 Need help choosing the right annuity for your retirement?
Submit a quote request here to see if the Nassau Flex Forward Annuity is the right fit for your plan.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Nassau Flex Forward Annuity
What is the Nassau Flex Forward Annuity?
The Nassau Flex Forward Annuity is a fixed or fixed indexed annuity that allows accumulation with principal protection, plus the option to convert accumulated value into retirement income through payout or income rider features.
How does growth or interest crediting work?
Depending on the contract version, the annuity may credit growth via a fixed interest rate or via one or more index-linked strategies. If you choose index-linking, interest credits are determined by formulas using caps, participation rates, or spreads. Your money isn’t directly invested in the market.
Is my principal protected?
Yes. With either fixed or fixed-indexed versions of Flex Forward, accumulation value is protected against market losses — declines in the index will not reduce your account value because of market volatility alone (unless you withdraw funds or surrender early under the contract’s terms).
Can I withdraw funds or access money before income begins?
Most contracts allow limited annual free withdrawals (often a percentage of account value) after the first contract year. But larger withdrawals or full surrender during the surrender period may trigger surrender charges or reduce future benefits.
Does Flex Forward offer lifetime income or payout options?
Yes. The contract typically includes options — either built-in or via optional riders — to convert accumulation value into lifetime income or structured payouts. This provides flexibility when you retire or decide to begin receiving income.
How are withdrawals, distributions, and income taxed?
Earnings grow tax-deferred while under contract. Withdrawals or income payments are generally taxed as ordinary income. If you withdraw before age 59½, you may also face additional IRS penalties depending on your situation.
What happens if I die before or after income begins?
Depending on contract terms and option choices, a death benefit may be available — typically the account value or a guaranteed minimum — to your beneficiary. If income has started, certain payout options (such as joint-life or period-certain) may continue benefits to a surviving spouse or beneficiary.
Who is the Nassau Flex Forward Annuity a good fit for?
This annuity is suited for savers seeking principal protection, tax-deferred growth, and flexibility to convert savings into income in retirement, while avoiding direct market exposure. It may appeal to individuals with a moderate-to-long investment horizon and limited near-term liquidity needs.
What should I consider before purchasing?
Key items to review: surrender-charge period and fees, withdrawal limits and liquidity constraints, crediting method details (fixed vs index), optional rider costs, and whether the payout and income features match your retirement timeline and goals.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
