January 2026

6% Annual Benefit Amount (ABA) Increases¹

Nassau Income Accelerator will soon offer our highest guaranteed income.

Beginning January 17, we’re excited to announce that we will be increasing the annual benefit amounts (ABAs) by approximately 6% for Nassau Income Accelerator (NIA) and Nassau Personal Protection Choice (PPC). Nassau Income Accelerator will feature our highest guaranteed lifetime income options for your clients.

Income for Nassau Personal Income Annuity® (PIA) will remain unchanged. Strong crediting rate increases for PIA are expected for February 1, making it a powerful solution for growth potential and income needs.

Transition Rules

1. Applications signed, dated and received on or before 1/16/2026 will receive the old ABA rates, Maximum Early Income Percentages and Lifetime Adjustment Factors. This includes all applications that are currently pending.
2. Applications signed, dated and received on or after 1/17/2026 will receive the new ABA rates, Maximum Early Income Percentages and Lifetime Adjustment Factors

Transfer Funds received at Nassau by 3/16/2026 will receive the old ABA rates, Maximum Early Income Percentages and Lifetime Adjustment Factors. If funds are received on or after 3/17/2026, the client will receive the new rates. An acknowledgment form signed by the producer will be required, along with the new ABAs.

Make Nassau Income Accelerator your go-to fixed indexed annuity for guaranteed lifetime income.

NIA features our highest guaranteed lifetime income solutions for any retirement timeline. It has rider options for both steady and flexible income streams, including the opportunity to accelerate more income for up to 8 years to fuel the go-go years of early retirement.²

An updated consumer brochure and new Optimizing Social Security Overview will be available January 17, offering updated positioning for a wide range of retirement income conversations.

Lifetime adjustment factors and maximum early income percentages applicable to Nassau Income Accelerator (NIA) are subject to change.

Income Horizon Client Scenarios for Steady Income³

Are your clients looking for broad retirement income defense?

Nassau Personal Protection Choice is a fixed indexed annuity with strong guaranteed lifetime income. It can help protect retirement savings from unplanned health care expenses and help clients leave a lasting legacy for their loved ones.

Income Strategy with Care and Family Protection Client Scenarios³

Important Details

1. ABA changes based on Nassau product analysis using current rates. Actual ABA percentages vary by issue age and attained age of the covered person, rider life option and rider elected. Riders are optional and must be elected at time of issue. Riders involve an additional fee that is deducted annually from the contract value. The Maximum Early Income Percentage and Lifetime Adjustment Factor for the Flex-Forward Income Benefit℠ rider available with NIA are also changing and will result in an increase to the income benefits provided. See Rider Disclosures for details.

2. Requires election of the Flex-Forward Income Benefit rider which is available to issue ages 50-70 of youngest covered person. The Early Income Feature must be exercised prior to age 71, otherwise, only the Lifetime Income Feature is available. Income payments will reduce the contract value and are subject to minimums and maximums. See product materials for details.

3. Changes effective January 17, 2026. Assumptions: $100,000 premium, single option, no prior withdrawals taken. These are hypothetical examples and are not a promise or projection of future returns. Annual guaranteed income benefit is determined by multiplying the Benefit Base by a withdrawal factor at rider exercise. For Nassau Income Accelerator, the Income Horizon riders involve an annual fee of 0.95% of the Income Benefit Base, deducted from the contract value and subject to change. For Nassau Personal Protection Choice, the fee for Income, Care and Family Protection is 1.15% of the Income Benefit Base, deducted from the contract value and subject to change. Care Protection benefit is not available in CA or MD.

For questions, please call us at 888-794-4447 (option 1) or contact us online.

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 reserves the right to revise declared rates at any time.

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

Nassau Income Accelerator (19FIA, ICC19EIAN, 19ISN, 19GLWB2, 22GLWB, 22GLWB1.1, 23GLWB2.1, ICC22GLWB1.1, ICC23GLWB2.1, et al.), Nassau Personal Income Annuity (19FIA, ICC19EIAN, 19ISN, 19GLWB2, ICC19GLWB2.1, ICC19GLWB2.2), and Nassau Personal Protection Choice (19FIA, ICC19EIAN, 19RN, 19GLWB2, 19GMDB-S.1, 19EWB, ICC19GLWB2.1, ICC20EWB.1, et al.) 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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