Anthony LaRosa

Effective October 19, 2024, we’re making reductions to income benefits due to recent interest rate decreases.

• We will be reducing the annual benefit amount percentages by 4-5% on the income riders available with Nassau Income Accelerator (NIA), Nassau Personal Protection Choice® (PPC), and Nassau Personal Income Annuity® (PIA). These reductions apply to future new business sold for both single and spousal rider options.¹
• 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 a decrease to the income benefits provided.

Transition Rules

NIA, PIA and PPC applications that are:

Signed and dated on or before 10/18/2024 and received on or before 10/22/2024 will receive the old ABA rates, Maximum Early Income Percentages and Lifetime Adjustment Factors. This includes all applications that are currently pending.

• All Transfer Funds must be received at Nassau by 12/20/2024 to get the old ABA rates, Maximum Early Income Percentages and Lifetime Adjustment Factors.
• If funds are received on or after 12/21/2024, an Acknowledgment form accompanied with the new ABA Appendices and signed by the producer and client will be required, and the client will receive the new rates.

Signed and dated on or after 10/19/2024 will receive the new ABA rates, Maximum Early Income Percentages and Lifetime Adjustment Factors.

Important Details

1. Maximum Early Income Percentage, Lifetime Adjustment Factors, and actual ABA percentages can vary by age, wait, coverage option, and rider selection. For PPC, riders are optional and must be elected at the time of application. Riders involve an additional fee that is deducted annually from the contract value. See Rider Disclosures for details.

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.) 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.

BPD41962

Important Notes

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. The product is 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.

2) We may change, add or eliminate indexed accounts. Dividend payments and distributions are not received from any index. 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. Enhanced Indexed Accounts include an annual strategy fee. Multi-year accounts are not available in New Hampshire. Other state variations may apply.

3) Any withdrawal (including RMDs) reverts the free withdrawal percentage back to 5% on the next contract anniversary. The free withdrawal amount excludes any non-vested premium bonus. Withdrawals exceeding the free withdrawal amount may be subject to surrender charges, recovery of non-vested premium bonus amounts, Market Value Adjustment, and pro-rated enhanced benefit fees and strategy fees (if applicable).

4) Although a 0% floor is applied, if the sum of fees exceeds the sum of interest and index credits, the contract will lose value.

Important 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, 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.

Selected Risk Considerations for the Smart Passage SG Index:

The Smart Passage SG Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (SG Americas Securities, LLC, together with its affiliates, “SG”). SG has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) (“S&P”) to maintain and calculate the Index. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Société Générale Indices”, “SGI”, and “Smart Passage SG Index” (collectively, the “SG Marks”) are trademarks or service marks of SG. SG has licensed use of the SG Marks to Nassau Life and Annuity Company (“NLA”) for use in a fixed indexed annuity offered by NLA (the “Fixed Indexed Annuity”). SG’s sole contractual relationship with NLA is to license the Index and the SG Marks to NLA. None of SG, S&P or other third party licensor (collectively, the “Index Parties”)to SG is acting, or has been authorized to act, as an agent of NLA or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuity or provided investment advice to NLA.

No Index Party has passed on the legality or suitability of, or the accuracy or adequacy of the descriptions and disclosures relating to, the Fixed Indexed Annuity, including those disclosures with respect to the Index. The Index Parties make no representation whatsoever, whether express or implied, as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuity, or the ability of the Index to selling or holding any product linked to the Index, including the Fixed Indexed Annuity, or the ability of the Index to meet its stated objectives, including meeting its target volatility. The Index Parties have no obligation to, and will not, take the needs of NLA or any annuitant into consideration in determining, composing or calculating the Index. The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate NLA or SG to invest annuity payments in the components of the Index.

THE INDEX PARTIES MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER, WHETHER EXPRESS OR IMPLIED, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES (INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANT ABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE), WITH RESPECT TO THE INDEX OR ANY DATA INCLUDED THEREIN OR RELATING THERETO, AND IN PARTICULAR DISCLAIM ANY GUARANTEE OR WARRANTY EITHER AS TO THE QUALITY, ACCURACY, TIMELINESS AND/OR COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN, THE RESULTS OBTAINED FROM THE USE OF THE INDEX AND/OR THE CALCULATION OR COMPOSITION OF THE INDEX, OR CALCULATIONS MADE WITH RESPECT TO ANY FIXED INDEXED ANNUITY AT ANY PARTICULAR TIME ON ANY PARTICULAR DATE OR OTHERWISE. THE INDEX PARTIES SHALL NOT BE LIABLE (WHETHER IN NEGLIGENCE OR OTHERWISE) TO ANY PERSON FOR ANY ERROR OR OMISSION IN THE INDEX OR IN THE CALCULATION OF THE INDEX, AND THE INDEX PARTIES ARE UNDER NO OBLIGATION TO ADVISE ANY PERSON OF ANY ERROR THEREIN, OR FOR ANY INTERRUPTION IN THE CALCULATION OF THE INDEX. NO INDEX PARTY SHALL HAVE ANY LIABILITY TO ANY PARTY FOR ANY ACT OR FAILURE TO ACT BY THE INDEX PARTIES IN CONNECTION WITH THE DETERMINATION, ADJUSTMENT OR MAINTENANCE OF THE INDEX. WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL AN INDEX PARTY HAVE ANY LIABILITY FOR ANY DIRECT DAMAGES, LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

No Index Party is a fiduciary or agent of any purchaser, seller or holder of a Fixed Indexed Annuity. None of SG, S&P or any third party licensor shall have any liability with respect to the Fixed Indexed Annuity in which an interest crediting option is based is on the Index, nor for any loss relating to the Fixed Indexed Annuity, whether arising directly or indirectly from the use of the Index, its methodology, any SG Mark or otherwise. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of NLA. In calculating the performance of the Index, SG deducts a maintenance fee of 0.50% per annum on the level of the Index, and fixed transaction and replication costs, each calculated and deducted on a daily basis. Because the Index can experience potential leverage up to 350%, the maintenance fee may be as high as 1.75% per year. The transaction and replication costs cover, among other things, rebalancing and replication costs. The total amount of transaction and replication costs is not predictable and will depend on a number of factors, including the performance of the index underlying the Index, and market conditions, among other factors. These fees and costs will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by the Index may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls.

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.

BPD41963

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

Important Notes

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. The product is 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.

2) We may change, add or eliminate indexed accounts. Dividend payments and distributions are not received from any index. 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. Enhanced Indexed Accounts include an annual strategy fee. Multi-year accounts are not available in New Hampshire. Other state variations may apply.

3) Any withdrawal (including RMDs) reverts the free withdrawal percentage back to 5% on the next contract anniversary. The free withdrawal amount excludes any non-vested premium bonus. Withdrawals exceeding the free withdrawal amount may be subject to surrender charges, recovery of non-vested premium bonus amounts, Market Value Adjustment, and pro-rated enhanced benefit fees and strategy fees (if applicable).

4) Although a 0% floor is applied, if the sum of fees exceeds the sum of interest and index credits, the contract will lose value.

Important 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, 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.

Selected Risk Considerations for the Smart Passage SG Index:

The Smart Passage SG Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (SG Americas Securities, LLC, together with its affiliates, “SG”). SG has contracted with S&P Opco, LLC (a subsidiary of S&P Dow Jones Indices LLC) (“S&P”) to maintain and calculate the Index. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Société Générale Indices”, “SGI”, and “Smart Passage SG Index” (collectively, the “SG Marks”) are trademarks or service marks of SG. SG has licensed use of the SG Marks to Nassau Life and Annuity Company (“NLA”) for use in a fixed indexed annuity offered by NLA (the “Fixed Indexed Annuity”). SG’s sole contractual relationship with NLA is to license the Index and the SG Marks to NLA. None of SG, S&P or other third party licensor (collectively, the “Index Parties”)to SG is acting, or has been authorized to act, as an agent of NLA or has in any way sponsored, promoted, solicited, negotiated, endorsed, offered, sold, issued, supported, structured or priced any Fixed Indexed Annuity or provided investment advice to NLA.

No Index Party has passed on the legality or suitability of, or the accuracy or adequacy of the descriptions and disclosures relating to, the Fixed Indexed Annuity, including those disclosures with respect to the Index. The Index Parties make no representation whatsoever, whether express or implied, as to the advisability of purchasing, selling or holding any product linked to the Index, including the Fixed Indexed Annuity, or the ability of the Index to selling or holding any product linked to the Index, including the Fixed Indexed Annuity, or the ability of the Index to meet its stated objectives, including meeting its target volatility. The Index Parties have no obligation to, and will not, take the needs of NLA or any annuitant into consideration in determining, composing or calculating the Index. The selection of the Index as a crediting option under a Fixed Indexed Annuity does not obligate NLA or SG to invest annuity payments in the components of the Index.

THE INDEX PARTIES MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER, WHETHER EXPRESS OR IMPLIED, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES (INCLUDING, WITHOUT LIMITATION, THOSE OF MERCHANT ABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE), WITH RESPECT TO THE INDEX OR ANY DATA INCLUDED THEREIN OR RELATING THERETO, AND IN PARTICULAR DISCLAIM ANY GUARANTEE OR WARRANTY EITHER AS TO THE QUALITY, ACCURACY, TIMELINESS AND/OR COMPLETENESS OF THE INDEX OR ANY DATA INCLUDED THEREIN, THE RESULTS OBTAINED FROM THE USE OF THE INDEX AND/OR THE CALCULATION OR COMPOSITION OF THE INDEX, OR CALCULATIONS MADE WITH RESPECT TO ANY FIXED INDEXED ANNUITY AT ANY PARTICULAR TIME ON ANY PARTICULAR DATE OR OTHERWISE. THE INDEX PARTIES SHALL NOT BE LIABLE (WHETHER IN NEGLIGENCE OR OTHERWISE) TO ANY PERSON FOR ANY ERROR OR OMISSION IN THE INDEX OR IN THE CALCULATION OF THE INDEX, AND THE INDEX PARTIES ARE UNDER NO OBLIGATION TO ADVISE ANY PERSON OF ANY ERROR THEREIN, OR FOR ANY INTERRUPTION IN THE CALCULATION OF THE INDEX. NO INDEX PARTY SHALL HAVE ANY LIABILITY TO ANY PARTY FOR ANY ACT OR FAILURE TO ACT BY THE INDEX PARTIES IN CONNECTION WITH THE DETERMINATION, ADJUSTMENT OR MAINTENANCE OF THE INDEX. WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL AN INDEX PARTY HAVE ANY LIABILITY FOR ANY DIRECT DAMAGES, LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

No Index Party is a fiduciary or agent of any purchaser, seller or holder of a Fixed Indexed Annuity. None of SG, S&P or any third party licensor shall have any liability with respect to the Fixed Indexed Annuity in which an interest crediting option is based is on the Index, nor for any loss relating to the Fixed Indexed Annuity, whether arising directly or indirectly from the use of the Index, its methodology, any SG Mark or otherwise. Obligations to make payments under the Fixed Indexed Annuities are solely the obligation of NLA. In calculating the performance of the Index, SG deducts a maintenance fee of 0.50% per annum on the level of the Index, and fixed transaction and replication costs, each calculated and deducted on a daily basis. Because the Index can experience potential leverage up to 350%, the maintenance fee may be as high as 1.75% per year. The transaction and replication costs cover, among other things, rebalancing and replication costs. The total amount of transaction and replication costs is not predictable and will depend on a number of factors, including the performance of the index underlying the Index, and market conditions, among other factors. These fees and costs will reduce the potential positive change in the Index and increase the potential negative change in the Index. While the volatility control applied by the Index may result in less fluctuation in rates of return as compared to indices without volatility controls, it may also reduce the overall rate of return as compared to products not subject to volatility controls.

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.

BPD41865

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

Enjoy Less Follow Up and Faster Processing

We are thrilled to announce an exciting enhancement to Nassau’s eApp designed to streamline your new business experience. Beginning June 17th, Nassau’s Med Supp eApp will be able to instantly verify a producer’s contracting and state appointment(s). This integration means you will know sooner about missing requirements, reducing delays in processing after submission. These improvements are made possible by entering your National Producer Number (NPN), which has been a required field since May.

We are excited to introduce these updates that are designed to allow you to submit with ease of mind and streamline your experience. Here are other benefits and highlights you should know:

Nassau is committed to providing you with the best tools and resources to support your success and strives to continually improve our New Business experience and processes. We know that your time is valuable, and these improvements should make doing business with us more efficient. It’s just one of the many ways we are working harder to be your carrier of choice.

Please call our New Business Team at 800-417-4769 for questions.

Visit SalesNet to learn more or submit an eApp.

Disclosures

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

Nassau Medicare Supplement insurance policies are insured by Nassau Life Insurance Company of Kansas, a subsidiary of Nassau Financial Group. Product availability varies by location and plan type and is subject to change. BPD41764

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

We’re excited to announce we’ve enhanced our automated text messages for pending New Business status alerts. After you’ve submitted a new app to Nassau, regular updates about where you are in the New Business process are critical. Messages are triggered by processing updates as frequently as every two hours on business days between 9 a.m. and 5 p.m. ET. Messages are sent for the following milestones in the New Business cycle:

• New Contract Submission
• Suitability Approval (NEW)
• Funds Requested/Received (NEW)
• NIGO Created/Satisfied
• Contract Issued
• Contract Closed
• Contract Mailed (NEW)
  
  

If you have any questions, please call our New Business Team at 800-541-0171. We’re always working harder to be your carrier of choice.

Not Receiving Text Alerts? Enroll Now!

To start receiving text notifications, first log into your SalesNet account. Next, access your profile under “Hi, First Name” and enter your mobile phone number in the “Alert Preferences” section. You will be prompted to verify your number with a confirmation code and accept the terms of use to complete enrollment.

To be mindful of your client’s privacy, text messages will include a status alert, the last four digits of the case number, client’s first initial and full last name, and a short link directly to the full status details on SalesNet (log in required).

Disclosures

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

Annuities are issued by Nassau Life and Annuity Company (Hartford, CT) except in New York where annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). In California, Nassau Life and Annuity Company does business as “Nassau Life and Annuity Insurance Company.” Medicare Supplement insurance is offered by Nassau Life Insurance Company of Kansas (Overland Park, KS). Products may not be available in all areas and are subject to state approval. Nassau Life and Annuity Company, Nassau Life Insurance Company and Nassau Life Insurance Company of Kansas are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations. BPD41748

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

We’re excited to announce that Nassau Income Accelerator (NIA) fixed indexed annuity is now available for sale in the state of Hawaii. Hawaii will be a Group A state for surrender charge schedules and crediting rates for new business. Updated marketing materials, applications, and forms are available now.

Help Clients Retire on Their Terms with NIA

Help Maximize Social Security and Optimize Total Retirement Income
The Flex-Forward Income Benefit^SM rider includes our most flexible guaranteed income options to complement the specific income needs of your clients. At the time of exercise (not issue!), clients can choose to take higher income payments for a set amount of time up to eight years in exchange for lower income payments afterwards.² It also includes a 10% Income Benefit Base bonus, plus 10% simple interest roll ups that increase the Income Benefit Base annually for up to ten years.³

Guaranteed, Steady Lifetime Income Options
With the Income Horizon guaranteed minimum withdrawal benefit rider options, clients can receive level income for life to fit their unique retirement timeline. They also include a 10% Income Benefit Base bonus, plus 10% simple interest roll ups that increase the Income Benefit Base annually for up to ten years.³

Growth Potential
Clients can capture upside market performance with 13 indexed accounts that may credit interest when the index experiences positive growth.⁴

Principal Protection
Help clients benefit from the growth of the market while protecting their hard-earned dollars from market downturns.

10% Free Withdrawals Annually
Address liquidity needs with flexible access to funds.

Important Disclosures

1) Nassau Life and Annuity Company, Nassau Income Accelerator and the Flex-Forward Income Benefit rider are NOT connected with, recommended, or endorsed by any governmental program, agency, or entity, including the Social Security Administration.

2) The Flex-Forward Income Benefit rider is only available to issue ages 50-70 of youngest covered person. The youngest covered person must be age 70 or below when the rider is exercised to be eligible for the Early Income Feature. If the rider is exercised at age 71 or older, payments will be set at the Lifetime Income Amount. See the Rider Disclosure for additional information. If the client exercises their rider and starts taking Early Income Amount payments before the youngest Covered Person turns 59½, they may be subject to tax penalties. Please be sure to encourage your clients to discuss their situation with a tax advisor prior to exercising their rider.

3) A rider is required to be elected at the time of application. Each rider includes an annual fee equal to 0.95% of the Income Benefit Base. As the Benefit Base grows, so will the amount of the fee. The Benefit Base is only used to determine income rider benefits and fees. It is not available for withdrawal and is not a guarantee of contract value. The Benefit Base stops growing once the rider is exercised.

4) Growth is not guaranteed. If the sum of fees (including strategy and rider fees) exceeds the amount of interest and index credits, the client will experience a loss of principal. See the Product Disclosure for additional information.

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 Income Accelerator (19FIA, ICC19EIAN, 19ISN, 19GLWB2, 22GLWB, 22GLWB1.1, 23GLWB2.1, ICC22GLWB1.1, ICC23GLWB2.1, et al.) 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 NCUAA Insured | NO Bank or Credit Union Guarantee.

BPD41723

This April, we will begin rebranding the Credit Suisse Tactical Multi Asset Index to the UBS Tactical Multi Asset Index on our websites, applications, forms, and marketing materials. The stock ticker (CSEATMA6) will remain unchanged. Clients will be informed of the new name on upcoming statements and confirmations.

UBS completed its acquisition of Credit Suisse in June 2023. The UBS Tactical Multi Asset Index will continue to only be available with Nassau Personal Income Annuity® and Nassau Personal Protection Choice® contracts.

To learn more about this index and other available options, visit our index options webpage on Salesnet.

Important 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.

The UBS Tactical Multi Asset Index is sponsored and published by UBS. Nassau has entered into an exclusive license agreement with UBS providing for the right to use the UBS Tactical Multi Asset Index and related trademarks in connection with Nassau indexed annuities. UBS has not published or approved this document, and the annuities are not sponsored, endorsed, sold or promoted by UBS. UBS makes no representation or warranty, express or implied, regarding the advisability of investing in the annuities, and has no obligation or liability in connection with the administration, marketing or sale of Nassau annuities.

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.

BPD41690

Enjoy Less Follow Up and Faster Processing

We are thrilled to announce an exciting enhancement to Nassau’s eApp designed to streamline your new business experience. Beginning February 24th, Nassau’s eApp will be able to instantly verify a producer’s contracting, appointment and training status. This integration means you will know sooner about missing requirements through on-screen messages, reducing delays in processing after submission. These improvements are made possible by entering your National Producer Number (NPN), which has been a required field since late last year.

We are excited to introduce these updates that are designed to allow you to submit with ease of mind and streamline your experience. Here are other benefits and highlights you should know:

Nassau is committed to providing you with the best tools and resources to support your success and strives to continually improve our New Business experience and processes. We know that your time is valuable, and these improvements should make doing business with us more efficient. It’s just one of the many ways we are working harder to be your carrier of choice.

Please call our New Business Team at 800-541-0171 for questions.

Visit SalesNet to learn more or submit an eApp.

Disclosures

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

Annuities are issued by Nassau Life and Annuity Company (Hartford, CT) except in New York where annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). In California, Nassau Life and Annuity Company does business as “Nassau Life and Annuity Insurance Company.” Medicare Supplement insurance is offered by Nassau Life Insurance Company of Kansas (Overland Park, KS). Products may not be available in all areas and are subject to state approval. Nassau Life and Annuity Company, Nassau Life Insurance Company and Nassau Life Insurance Company of Kansas are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations. BPD41662

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

After another great year in 2023, I’m pleased to share that AM Best has revised the outlook to positive for Nassau’s Long-Term Issuer Credit Ratings. This is just one more step in Nassau’s journey to further improve our ratings and accelerate growth.

AM Best also affirmed Nassau’s Financial Strength Rating (FSR) at B++. Day in and day out, we remain focused on executing our plan to improve our FSR.

I remain excited for 2024 and am confident we can achieve great things together. We’ve already hit the ground running with the launch of our innovative new fixed indexed annuity, Nassau Income Accelerator, as well as this year’s Nassau Elite program, where producers who consistently write Nassau can earn stronger benefits than ever before. We are also dedicated to providing best in class service as we continue to grow with you this year, as well as a full suite of print and digital materials to assist you with your marketing.

As always, your feedback remains critical in helping us achieve our growth plans. Let my team and me know how we can better support you. It’s just one way we are working harder to be your carrier of choice.

I am grateful for your partnership and look forward to continuing to grow our businesses.

Tom Buckingham
Chief Growth Officer
Nassau

Disclosures

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

Financial Strength Rating of B++ is 5th of 13 ratings levels and applies to Nassau Life and Annuity Company, Nassau Life Insurance Company, and Nassau Life Insurance Company of Kansas. Ratings are current as of Feb 14, 2024. Ratings are a third-party measure of an insurer’s claims-paying ability. Ratings refer only to the financial overview of the company and are not a recommendation of specific policy provisions, rates, or practices of the insurance company. They do not indicate or guarantee any variable annuity or variable universal portfolio’s credit rating or performance. Rating agencies review rankings periodically and there is no guarantee that current rankings will be maintained in the future. For complete rating information, please contact us.

Annuities are issued by Nassau Life and Annuity Company (Hartford, CT) except in New York where annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). In California, Nassau Life and Annuity Company does business as “Nassau Life and Annuity Insurance Company.” Medicare Supplement insurance is offered by Nassau Life Insurance Company of Kansas (Overland Park, KS). Products may not be available in all areas and are subject to state approval. Nassau Life and Annuity Company, Nassau Life Insurance Company and Nassau Life Insurance Company of Kansas are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations. BPD41657

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