Nassau Athos Annuity^SM now offers clients even more options for growth potential and flexibility than ever before:

• Now Available WITH and WITHOUT a Premium Bonus!
• Premium Bonus Now up to 16%*
• Now Available in California

For producers who have already completed the Athos product training, you are not required to re-take it. We have created a training supplement to help you understand some of the key similarities and differences between the bonus and no bonus versions. You are encouraged to save this for future reference.

Transition Rules

Athos applications signed on or before 5/29/2026 and received by 6/1/2026 will receive the old premium bonus rates/vesting schedules and can be accepted with issue age 81+. This includes all applications that are currently pending.

• All Transfer Funds must be received at Nassau by 7/30/2026 to get the old premium bonus rates or be accepted with issue age 81+.

• If funds are received on or after 7/31/2026 or if the new premium bonus rates are requested, an Acknowledgment form signed by the producer and client will be required, and the client will receive the new bonus rates/vesting schedules.

• If the new premium bonus rates are requested, there may be an impact to the credited rates.
Athos apps signed, dated and received on or after 5/30/2026 will receive the new premium bonus rates/vesting schedules and the maximum issue age will be 80 yrs.

Age 81+ or Indiana Applications

Athos apps with a client age of 81+ or written in Indiana on the Athos Bonus product must be issued by 7/31/2026. Any contract not issued by this date will be required to be withdrawn.

* Premium Bonus option must be selected at the time of application. Premium 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. The product is not intended to meet short-term financial goals. Contracts offering a bonus may offer less favorable credited interest rates, participation, and cap rates than contracts not offering a bonus.

CA will be a Group C state with unique product features and rates, including a Premium Bonus option of 14% for ages 0-75 and 10% for ages 76-80. Other variations may apply.

IMPORTANT NOTE: Availability as of 6/1/2026. Bonus option temporarily unavailable in Indiana; No Bonus option temporarily unavailable in NJ, subject to change. Bonus option, crediting rates, surrender charge, and bonus vesting schedules may vary by age and state. Final approved states may vary.

For producer use only. Not for distribution to the general public.

Product features and availability may vary by state. Product sales must be appropriate based on a comprehensive evaluation of the customer’s financial situation, needs, and objectives. Guarantees are based on the claims-paying ability of the issuing company. 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 revise declared rates at any time.

Annuities are long-term products particularly suitable for retirement assets. Annuities held within qualified plans do not provide any additional tax benefit. Early withdrawals may be subject to surrender charges. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply.

Interest rates, participation rates, and caps are subject to change.

While the value of each indexed account is affected by the value of an outside index, the contract does not directly participate in any stock, bond or equity investment. Dividend payments and distributions are not received from any index or component of any index. Nassau may change, add or eliminate indexed accounts. Certain accounts may not be available in all states. Terminal illness and nursing home waivers are only available for issue ages 80 and below. Nursing home waiver not available in California.

Non-Security Status Disclosure – The Contract is not a Security. The Contract is not registered under the Securities Act of 1933 and is being offered and sold in reliance on an exemption therein.

Nassau Athos Annuity (25FIA-XT, ICC25FIA-XT, 25FIAN-XT, ICC25FIAN-XT) 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.

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

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