Matt Bidwell

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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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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Amplify Your Client’s Retirement Savings

Nassau’s accumulation focused FIA, Nassau Growth Annuity^® offers strong growth potential through name-brand indices your clients know and trust, plus guaranteed lifetime retirement income rider options both without and with a fee.¹

Planning for Retirement with the Nassau Growth Annuity®

Planning for retirement means protecting what you have and making sure it can support you long term. In this short case study video, meet Todd, a 63‑year‑old easing into retirement who wants growth potential without taking on unnecessary risk. See how the Nassau Growth Annuity® helps him stay connected to market growth, protect his principal, and keep flexible options for future income.

Click below to learn how Nassau Growth Annuity® can fit into a smart retirement plan.

IMPORTANT NOTES: Account rates are set at the beginning of each account segment and subject to change for future segments. 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. We may change, add or eliminate indexed accounts. Multi-year accounts are not available in New Hampshire. Other state variations may apply.

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) Rates shown effective April 1, 2026 in all state groups for Nassau Growth Annuity contracts with 10-year surrender charge schedule (9 years in CA). In Group A states, if the oldest contract owner is age81 or older at issue, the contract will be issued with the Group B States surrender charge schedule and crediting rates.

3) Enhanced participation rate indexed accounts include a strategy fee of 1.00% per year (subject to change for future segments).

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

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.

Nasdaq® is a registered trademark of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Nassau. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

The “S&P 500 Index” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Nassau Life and Annuity Company and its affiliates (collectively, “Nassau”). Standard & Poor’s®, S&P 500® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and these trademarks have been licensed and sublicensed for use by SPDJI and Nassau, respectively. Nassau products are not sponsored, endorsed, sold or promoted by SPDJI, S&P, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

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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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.