September 2025

Disclosures

1. Bonus is not available for immediate withdrawal and the bonus amount and associated earnings are subject to a vesting schedule. The bonus amount and vesting rate may vary by age and state. Nassau Bonus AnnuityPlus includes an Enhanced Benefit Fee equal to 0.95% of the contract value, payable at the end of each contract year during the surrender charge period. Bonus products are not intended to meet short-term financial goals. Products offering a bonus may offer less favorable credited interest rates, participation, and cap rates than products not offering a bonus.

For Producer Use Only. Not for distribution to the public.

Products, rider options and other features are subject to state availability. Actual product details, including all terms and conditions that apply, are contained in the annuity contract. Product sales must be appropriate based on a comprehensive evaluation of the customer’s financial situation, insurance needs, and objectives. Guarantees are based on the claims-paying ability of the issuing company. Nassau reserves the right to revise, add, or change indexed accounts and declared rates at any time.

Nassau, its affiliated companies, and employees do not give fiduciary, legal or tax advice.

Nassau Bonus Annuity Plus (23FIA4, ICC23FIA4) 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 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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Insurance Products: NOT FDIC or NCUAA Insured | NO Bank or Credit Union Guarantee.

Starting October 1, we’re enhancing the value of Nassau Growth Annuity by making our guaranteed income rider options more accessible—delivering added value to clients seeking both strong growth potential, and guaranteed lifetime retirement income.

• No-Fee Income Riders: The Amplified Income and Amplified Income with Rising Income Opportunity (RIO) riders will be available at no additional cost. The Amplified Income Plus and Amplified Income Plus with RIO will continue to include an annual fee.¹
• Required Rider Selection: A guaranteed lifetime income rider selection will be required for all contracts with a 10-year surrender charge schedule (9 years in CA).
• Expanded Access: Rider eligibility has expanded to include issue ages up to 85.²
• Re-Training Not Required: Producers who previously completed NGA training do not need to retake the course. The course has been updated to reflect these enhancements.

All four Amplified Income riders set the Income Benefit Base at the initial contract value and offer performance-based annual growth with a 150% roll-up of credited interest (less strategy fees) to help boost future income.³ The Plus riders add a guaranteed annual 3% simple interest roll up.⁴ Clients can also choose between steady income or rising income opportunities based on their retirement goals.

To learn more about the Amplified Income riders, explore our video series featuring how each rider works, a comparison guide, and more.

Transition Rules for Pending Business

1. If any changes to rider elections (adding or changing riders) are requested on applications signed and dated on or before 9/30/2025, a new Rider Election form, Product Disclosure and Rider Disclosure (if applicable) will be required.
2. Applications signed and dated on or after 10/1/2025 will be required to include a rider selection on the Rider Election form.

Please note: the date the updated forms are signed will be used to determine the credited rates applied to the contract.

Important Notes

The Income Benefit Base is a calculated value used solely to determine the guaranteed lifetime income payment and rider fee (if applicable) and is not available for withdrawal. Prior to exercising the rider, your client can help to maximize their potential guaranteed lifetime income payment by minimizing withdrawals as all withdrawals, including free withdrawals and Required Minimum Distributions (RMDs), are taken from the annuity’s contract value and will also reduce the Income Benefit Base.

1) The annual rider fee for the Amplified Income Plus and Amplified Income Plus with RIO riders is 0.95% of the income benefit base and deducted from the contract value. The amount deducted for the rider fee will grow as the income benefit base grows. The rider fee may increase after the 15th contract anniversary, up to the maximum set forth in the contract.

2) Youngest Covered Person (YCP) must be at least 50 to purchase NGA in Maryland. Additional state variations may apply. See the Rider Disclosure for details.

3) For all riders, on each contract anniversary 150% of the contract’s growth, net of strategy fees, but no less than zero, will be added to the Income Benefit Base. For the Amplified Income and Amplified Income Plus riders, this roll-up ends after 15 years or until your client exercises their rider, whichever comes first. For the Amplified Income with RIO and Amplified Income Plus with RIO riders, this roll-up ends on the 15th contract anniversary.

4) The income benefit base will grow at an annual rate equal to 3% of the initial income benefit base, adjusted for any withdrawals, for up to 15 years or until rider exercise (if sooner).

Disclosures

For Producer Use Only. Not for distribution to the public.

Products, rider options and other features are subject to state availability. Actual product details, including all terms and conditions that apply, are contained in the annuity contract. Product sales must be appropriate based on a comprehensive evaluation of the customer’s financial situation, insurance needs, and objectives. Guarantees are based on the claims-paying ability of the issuing company.

Nassau, its affiliated companies, and employees do not give fiduciary, legal or tax advice.

Nassau Growth Annuity (19FIA3, ICC19FIA3N, 19GLWB3, ICC19GLWB3.1, 19ECH, ICC19ECH) single premium deferred fixed indexed annuities are 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 ME and NY, but that is subject to change. Nassau Life and Annuity Company is a subsidiary of Nassau Financial Group.

Insurance Products: NOT FDIC or NCUAA Insured | NO Bank or Credit Union Guarantee.

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