July 2026

Up To 5.2% Annual Benefit Amount (ABA) Increases¹

LIVE 7/11: Help Your Clients Generate More Guaranteed Income

Nassau’s income story is getting even stronger. We’re increasing select Annual Benefit Amounts (ABAs) up to 5.2% for clients ages 59-71 with 0-3 year waits on Nassau Income Accelerator, Nassau Personal Protection Choice®, and Nassau Personal Income Annuity®, helping clients secure even more guaranteed lifetime income.

Transition Rules

Applications signed, dated and received on or after 7/11/2026 will receive the new ABA rates, Maximum Early Income Percentages and Lifetime Adjustment Factors. Transfer funds must be received by 09/10/2026 to retain current (pre-reprice) rates. If funds are received on or after 09/11/2026, updated rates will apply and the acknowledgement form signed by the producer will be required.

For clients aged 50-65 who elect the Flex-Forward Income Benefit and wait four or more years to activate the Early Income Feature, the new rates may result in a decrease to the lifetime income amount. As a result, for NIA applications for issue ages 50-65, an acknowledgment form signed by the producer and client will be required.

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

Nassau Income Accelerator features our highest guaranteed lifetime income solution 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

Income Horizon: Early Client Scenarios for Steady Income³

Annual Benefit Amount (ABA) updates vary by age, wait, coverage option, and rider.

Lifetime Adjustment Factors and Maximum Early Income Percentages applicable to the Flex-Forward Income BenefitSM rider offered with Nassau Income Accelerator are also changing.4

Are your clients looking for 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.⁵

Income Strategy: Today with Care and Family Protection Client Scenarios³

Annual Benefit Amount (ABA) updates vary by age, wait, coverage option, and rider combo.

Make Nassau Personal Income Annuity your go-to fixed indexed annuity for strong crediting rates and guaranteed lifetime income.

Nassau Personal Income Annuity^® features the strongest crediting rates in our income suite, combining growth potential with guaranteed lifetime income to help clients build a retirement strategy that fits their needs.²

Income Strategy: Today with Care and Family Protection Client Scenarios³

Annual Benefit Amount (ABA) updates vary by age, wait, coverage option, and rider combo.

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. For NIA, a rider must be elected at time of issue. For PPC, riders are optional and must be elected at time of issue. Riders involve an additional fee that is deducted annually from the contract value. 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. If your client exercises their rider and starts taking Early Income Amount payments before the youngest Covered Person turns 59 ½, they may be subject to tax penalties. Please be sure to encourage your client to discuss their situation with a tax advisor prior to exercising their rider. Contact our sales desk for more details.

3. ABAs effective July 11, 2026. Assumptions: $100,000 premium, single life 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 Income Benefit Base by a withdrawal factor at rider exercise. All riders for Nassau Income Accelerator and Nassau Personal Income Annuity involve an annual fee of 0.95% of the Income Benefit Base, deducted from the contract value and subject to change. The fee for Nassau Personal Protection Choice’s Income, Care and Family Protection riders are 1.15% of the Income Benefit Base, deducted from the contract value and subject to change.

4. For clients aged 50-65 who elect the Flex-Forward Income Benefit and wait four or more years to activate the Early Income Feature, the new rates may result in a decrease to the lifetime income amount. Contact our sales desk for more details.

5. The Care Protection Benefit Rider is not a qualified Long Term Care benefit under the Internal Revenue Code. It does NOT qualify for preferential tax treatment and does NOT provide health insurance, Long Term Care insurance or Medicaid benefits. Not available in California or Maryland. The death benefit is not life insurance and is taxable to beneficiaries. Rider conditions, limitations and exclusions apply. See Rider Disclosures for details.

IMPORTANT DISCLOSURES

FOR PRODUCER USE ONLY.  NOT FOR USE WITH CONSUMERS.

Product features, options and availability may vary by state. Guarantees are based on the claims-paying ability of the issuing company. Product sales must be appropriate based on a comprehensive evaluation of the customer’s financial situation, needs, and objectives. Nassau does not provide financial, investment or tax advice or act as a fiduciary in the sale or service of its products. Nassau reserves the right to modify declared rates at any time.

Nassau Personal Income Annuity (19FIA, ICC19EIAN, 19ISN, 19GLWB2, ICC19GLWB2.1, ICC19GLWB2.2, 24GLWB2.1, 24GLWB2.2), Nassau Personal Protection Choice (19FIA, ICC19EIAN, 19RN, 19GLWB2, 19GMDB-S.1, 19EWB, ICC19GLWB2.1, ICC19GMDB-S.2, ICC20EWB.1, 24GLWB2.1, 24GLWB2.2, et al.) and Nassau Income Accelerator (19FIA, ICC19EIAN, 19ISN, 19GLWB2, 22GLWB, 22GLWB1.1, 23GLWB2.1, ICC22GLWB1.1, ICC23GLWB2.1, et al.) 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 NCUA Insured | NO Bank or Credit Union Guarantee.

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