News

December Retirement Options Webinars

Nassau Re’s new and improved portfolio of annuity products are designed to address four major retirement objectives: Growth, Income, Care and Family. Register to join one of our webinars as we explore the details of our product options to help address your client’s retirement needs.

CALL TODAY

Our sales team is ready and available to assist you.
Call us for illustrations, product expertise and marketing materials.

1-888-794-4447

Disclosures

For Producer Use Only. Not for distribution to the public.
Product features, riders and availability may vary by state.

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

Annuities issued by Nassau Life and Annuity Company (Hartford, CT). Nassau Life and Annuity Company is not authorized to conduct business in CA, MA, ME, MN and NY. Guarantees are based on the claims paying ability of Nassau Life and Annuity Company. Nassau Life and Annuity Company is a subsidiary of Nassau Financial Group.

Nassau Re is a registered trademark by Nassau Reinsurance LLC. BPD40014 | 11.19

© Nassau Re 2019

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Anthony LaRosaDecember Retirement Options Webinars
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Fall in Love with Our New and Improved Annuity Offerings

We’ve expanded our Fixed Indexed Annuity offerings, enhanced income guarantees and simplified the producer experience. Join a webinar to learn about our new and improved product portfolio.

Join an upcoming webinar to learn more. Click a date below to register:

Highlights

Nassau Growth Annuity (NGA)

  • An accumulation-focused fixed indexed annuity
  • Flexibility and choice in index crediting options
    • 3 Amplified Participation Rate Indexed Account Options with Strategy Fee
    • 4 No-fee Indexed Account Options
  • S&P 500 and new index option only available with NGA
  • Optional Amplified Income Plus Guaranteed Income Rider

Recently Improved Personal Income Annuity

  • Recently increased guaranteed income to all ages by 3% – 5%
  • 100 percent participation and no cap on S&P 500 crediting strategies
  • Top-tier Guaranteed Lifetime Income for today or tomorrow

Questions?

Call Our Sales Desk
1-888-794-4447

Disclosures

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

Product features, riders, and availability may vary by state.

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

Nassau Growth Annuity (19FIA3, ICC19FIA3,19GLWB3, ICC19GLWB3) and Nassau Personal Income Annuity (19FIA, ICC19EIAN and 19ISN) are issued by Nassau Life and Annuity Company (Hartford, CT). Nassau Life and Annuity Company is not authorized to conduct business in CA, MA, ME, MN and NY. Guarantees are based on the claims paying ability of Nassau Life and Annuity Company. Nassau Life and Annuity Company is a subsidiary of Nassau Financial Group.

Nassau Re is a registered trademark by Nassau Reinsurance LLC. BPD40002

© Nassau Re 2019

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Anthony LaRosaFall in Love with Our New and Improved Annuity Offerings
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New Salesnet Feature: Document Upload Now Live

We’re excited to announce another enhancement to salesnet.nsre.comthe ability to upload comments, documents, and images to respond to new business requests for requirements. This provides an additional option to the current process of emailing us from outside the platform. This update is available for producers and IMO back office staff who have access to their firm’s web reporting data.

Registered users will notice a new column and button next to outstanding requirements with notes in the pending case details view. Details can be accessed in multiple ways on the site by clicking a policy number hyperlink via the dashboard or new business search pages.

Submit a response in a few easy steps:

  1. The “Submit Response” button will appear next to open requirement notes where we’ve asked for new or updated information from you.
  2. Use the button to open an online form that features a comments box and prompt to upload attachments.
  3. Upon submission, “In Review” will appear next to the respective open requirement notes.
  4. Per our standard process, we expect to be able to provide updates within two business days. Any status updates will appear in pending the case details view.

We hope this new feature provides you a streamlined process when resolving new business requirements—saving you time and improving your submission experience. Should you have any questions, we’d be happy to answer them at 1-800-417-4769.

Disclosures

For Producer Use Only. Not for distribution to the public. Product sales must be appropriate based on a comprehensive evaluation of the customer’s financial situation needs and objectives. Nassau Re is a registered trademark by Nassau Reinsurance LLC.

© Nassau Re 2019

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Anthony LaRosaNew Salesnet Feature: Document Upload Now Live
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Notice of New Mailing Addresses Effective November 15

We wanted to let you know of some mailing address changes that will become effective on November 15, 2019. The changes are the result of a new contract we will have with BNY Mellon to process payments, replacing BFDS.  In addition, we are changing our mailing address for applications and initial payments for new business as well as correspondence and service forms for inforce business.

We are communicating the new addresses to all policyholders, who may need to take actions with their bank to avoid delays in applying premium payments to their policies.  Clients currently using our Check-O-Matic payment system to pay premiums through automatic bank draft do not need to make a change.

The change to BNY Mellon also will change the address you use for new business.  Please make note of the following:

New Business

All life and annuity new business applications, forms and initial premium payments should be sent to the following address. Mailing instructions will also be updated on all forms beginning on November 15, 2019.

APPLICATIONS AND INITIAL PAYMENTS OVERNIGHT MAIL
Nassau Re
PO Box 22012
Albany, NY 12201-2012
Nassau Re
15 Tech Valley Dr., Suite 201
East Greenbush, NY 12061-4142

 

Inforce Business

All inforce life and annuity correspondence, service forms and premium payments should be sent to the following addresses. The applicable new payment addresses will be on the return envelopes and statements clients receive beginning on November 15, 2019.

FOR CORRESPONDENCE AND SERVICE FORMS
REGULAR MAILING ADDRESS OVERNIGHT MAIL
Nassau Re
PO Box 22012
Albany, NY 12201-2012
Nassau Re
15 Tech Valley Dr., Suite 201
East Greenbush, NY 12061-4162

 

FOR BILLED PAYMENTS PAID BY CHECK OR ONLINE BILL PAY
(Call 1-800-541-0171 with any questions about payment addresses for this business)
REGULAR MAIL PAYMENT ADDRESS OVERNIGHT MAIL PAYMENT ADDRESS
OLD NEW OLD NEW
Nassau Re
PO Box 219808
Kansas City, MO 64121-9808
Nassau Re
PO Box 650694
Dallas, TX 75265-0694
Nassau Re
430 W 7th Street
Suite 219808
Kansas City, MO
64105-1407
Nassau Re
PO Box 650694
1501 North Plano Rd., Suite 100
Richardson, TX 75081
Nassau Re
PO Box 219302
Kansas City, MO
64121-9302
Nassau Re
PO Box 650437
Dallas, TX 75265-0437
Nassau Re
430 W 7th Street
Suite 219302
Kansas City, MO
64105-1407
Nassau Re
PO Box 650437
1501 North Plano Rd., Suite 100
Richardson, TX 75081
Nassau Re
PO Box 219014
Kansas City, MO
64121-9014
Nassau Re
PO Box 650431
Dallas, TX 75265-0431
Nassau Re
430 W 7th Street
Suite 219014
Kansas City, MO
64105-1407
Nassau Re
PO Box 650431
1501 North Plano Rd., Suite 100
Richardson, TX 75081
Nassau Re
PO Box 219400
Kansas City, MO
64121-9400
Nassau Re
PO Box 650698
Dallas, TX 75265-0698
Nassau Re
430 W 7th Street
Suite 219400
Kansas City, MO
64105-1407
Nassau Re
PO Box 650698
1501 North Plano Rd., Suite 100
Richardson, TX 75081

 

THERE WILL BE NO CHANGE FOR CORRESPONDENCE, SERVICE FORMS AND BILLED PAYMENTS PAID BY CHECK OR ONLINE BILL PAY FOR THE FOLLOWING:

Legacy Shield: Policy numbers beginning with ‘LS’

Term Safe Harbor: Policy numbers T7500000 – T7582079

Remembrance: Policy numbers R7500000 – R7520189

(Call 1-800-426-1005 with any questions about payment addresses for this business)

FOR CORRESPONDENCE AND SERVICE FORMS
REGULAR MAILING ADDRESS (NO CHANGES) OVERNIGHT MAIL (NO CHANGES)
Nassau Re
PO Box 19052
Greenville, SC 29602-9052
Nassau Re
2000 Wade Hampton Blvd.
Greenville, SC 29615
FOR BILLED PAYMENTS PAID BY CHECK OR ONLINE BILL PAY
REGULAR MAIL PAYMENT ADDRESS (NO CHANGES) OVERNIGHT MAIL PAYMENT ADDRESS (NO CHANGES)
Nassau Re
PO Box 603882
Charlotte, NC 28260-3882
Nassau Re
1525 West W.T. Harris Blvd. – 2C2
Charlotte, NC 28262

 

 

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Tisa Rabun-MarshallNotice of New Mailing Addresses Effective November 15
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Issuing Company & Product Availability Updates

Nassau annuities and life insurance will become available in several remaining states through Nassau Life and Annuity Company (NLA), effective November 1. At the same time, product sales through PHL Variable Insurance Company (PHLVIC) will cease. While a few state approvals remain pending, this change will conclude the shift from PHLVIC to NLA, with all PHLVIC business issued by the end of the year. Beginning November 1, please use the NLA application forms available on Salesnet.nsre.com and discontinue use of all PHLVIC versions. See below for upcoming changes by state.

UPDATE: In Delaware, NLA issued Nassau Personal Income Annuity, Nassau Personal Protection Choice and Nassau Personal Retirement Choice will replace the currently sold Phoenix FIAs with no interruption in business.

As we near the end of the year, it is important that the transition to NLA is completed. Our goal is for our distribution partners and producers to be able to start fresh in 2020 with a platform entirely issued by Nassau-branded companies. We thank you for your partnership and look forward to growing our flagship company with you.

PRODUCT CHANGE DETAILS BY STATE

Effective November 1, 2019

TEMPORARY SUSPENSIONS


CA, MA, MN: Sales of life and annuity products will be temporarily suspended while state approvals are pending.*
NJ: Sales of fixed indexed annuities will be temporarily suspended while state approvals are pending* (MYGAs and life products will continue to be issued by NLA.)

*Applications must be received by October 30, 2019 and all funds received and other requirements
satisfied so that the contract or policy can be issued no later than December 31, 2019


ADDITIONS & CHANGES


GA: Nassau Growth Annuity will become available and Nassau’s suite of annuities and life products issued by NLA will replace the PHLVIC versions**

IN: Nassau Growth Annuity will become available, issued by NLA

New! DE: Nassau’s suite of FIAs issued by NLA will replace the currently sold PHLVIC versions**

GA, HI, IL, LA, MO, NC, NH, PA, TX, UT, VT, WY: Nassau Personal Protection Choice will be issued by NLA; optional riders with Care Protection will not be available in these states**

DE, MS, NE: Nassau Personal Protection Choice will be issued by NLA; Care Protection features will be available**

LA:
Nassau MYAnnuity 5X and 7X will be issued by NLA**

MT: All life products will be issued by NLA**

NH, OR, UT: The Unemployment Rider will be automatically issued on Nassau Safe Harbor Term and Nassau Safe Harbor Term Express policies

**PHLVIC applications must be received by October 30, 2019 with all funds received and other requirements satisfied so that the PHLVIC contract or policy can be issued no later than December 31, 2019. PHLVIC applications received after October 30, 2019 will require a client- and agent-signed form acknowledging that the NLA-issued product will be purchased instead of the PHLVIC-issued product. Beginning November 1, please use the NLA application forms available on Salesnet.nsre.com and discontinue use of all PHLVIC versions.


MORE INFORMATION

No action is needed for appointment with Nassau Life and Annuity Company (NLA). Active producers will be pre-appointed. All other appointments will be handled on a just in time basis. No new product training is required for the Nassau FIA products, provided that the training modules for the FIAs have already been completed. Where available, the Nassau FIA will replace the corresponding Phoenix FIA. Please note the following important product variations:

  • Nassau FIAs have a fixed maturity date vs. the flexible maturity date available on Phoenix FIAs. Clients whose primary objective is income guarantees should consider purchasing a product with a GLWB rider
  • In DE and GA: The surrender charge schedule will change for Nassau Personal Income Annuity, Nassau Personal Protection Choice and Nassau Personal Retirement Choice issued by NLA
  • In HI, IL, LA, MS, TX, VT and WY: The surrender charge schedule will change for Nassau Personal Protection Choice issued by NLA

A reference sheet of surrender charge schedules by state will be available November 1 on the State Availability page on SalesNet.

New state-specific applications and forms and marketing materials will be available on www.salesnet.nsre.com on November 1. All marketing orders received October 29-November 1 will be held and shipped out with updated materials on November 4.

QUESTIONS?


Reach out to your wholesaler or our sales desk at 1-888-794-4447

For Producer Use Only. Not for distribution to the public.
Product features may vary by state. Lifetime payments and guarantees are based on the claims-paying ability of the issuing company. Insurance Products: NOT FDIC or NCUAA Insured NO Bank or Credit Union Guarantee.

Annuities and life insurance products are issued by Nassau Life and Annuity Company (Hartford, CT). In New York, annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company is not authorized to conduct business in CA, MA, ME, MN and NY. Nassau Life and Annuity Company, Nassau Life Insurance Company and PHL Variable Insurance Company are subsidiaries of Nassau Financial Group.
Nassau Re® is a registered trademark by Nassau Reinsurance LLC. BPD#39985
© Nassau Re 2019

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Marily RajpoltIssuing Company & Product Availability Updates
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Nassau Growth Annuity Now Available in 19 Additional States

We’re excited to announce that, as of Sept. 26, Nassau Growth Annuity will be available in 19 more states, for a total of 37:

STATES AVAILABLE*
AK, AL, AR, AZ, CO, CT, DC, FL, IA, ID, IL, KS, KY, MI, MO, MS, MT, NC, ND, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY

With Nassau Growth Annuity, you can offer your clients strong accumulation options, including an exclusively available index, amplified participation rate strategies, as well as a rider that builds on the growth of the contract for lifetime income. Interested in selling this product? Here’s a link to the online certification training.

WANT TO KNOW MORE?

View Rates

Call the Sales Desk

1-888-794-4447

Attend a Webinar

* States not listed are pending approval.

DISCLOSURES

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

Product features, riders, and availability may vary by state.

Nassau Growth Annuity (19FIA3, ICC19FIA3,19GLWB3, ICC19GLWB3) is issued by Nassau Life and Annuity Company (Hartford, CT). Nassau Life and Annuity Company is not authorized to conduct business in CA, MA, ME, MN and NY. Guarantees are based on the claims paying ability of Nassau Life and Annuity Company. Nassau Life and Annuity Company is a subsidiary of Nassau Re.

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

Nassau Re is a registered trademark by Nassau Reinsurance LLC. BPD#39968

© Nassau Re 2019

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Anthony LaRosaNassau Growth Annuity Now Available in 19 Additional States
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Higher Income on Personal Income Annuity

As you have may heard, a few weeks ago we launched Nassau Growth Annuity. We’re thrilled to welcome this strong accumulation product as a complement to our robust FIA portfolio, which provides guaranteed lifetime income, care, and family protection.

That’s why we’re also excited to announce an increase to the payout percentages on Personal Income Annuity’s (PIA) income riders. Beginning August 31, 2019, income will increase on Income Strategy: Today by approximately 3% and Income Strategy: Tomorrow by 5% for all ages. Since its introduction in 2011, Personal Income Annuity has continually delivered strong guaranteed lifetime income for clients at or near retirement.

PIA and all marketing materials have been updated and will be available to order as of Sept. 3.

Thank you for your business and continued support of Nassau Re.

Income Values: Before & After Adjustment

BEFORE
Income Strategy Today Tomorrow
Number of Years Until First Withdrawal 1 3 5
Issue Age 60 $5,913 $6,596 $7,718
65 $6,476 $7,386 $8,602
70 $7,095 $8,160 $9,401

 

AFTER
Income Strategy Today Tomorrow
Number of Years Until First Withdrawal 1 3 5
Issue Age 60 $6,091 $6,790 $8,109
65 $6,669 $7,609 $9,027
70 $7,301 $8,398 $9,877

Transition Rules

  • Applications signed and received prior to 8/31/2019 will receive the old rates.
  • Applications signed prior to 8/31/2019 but received on or after 8/31/2019 will receive the new rates. An acknowledgment form from the producer confirming that the client agrees to the new rates, will be required prior to issue.
  • Applications signed on or after 8/31/2019 will receive the new rates.

Disclosures

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

Product features vary by state. Lifetime payments and guarantees are based on the claims-paying ability of the issuing company. Insurance Products: NOT FDIC or NCUAA Insured NO Bank or Credit Union Guarantee.

Annuities and life insurance products are issued by Nassau Life and Annuity Company (Hartford, CT) and PHL Variable Insurance Company (Hartford, CT). In New York, annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company is not authorized to conduct business in CA, GA, MA, ME, MN and NY. PHL Variable Insurance Company is not authorized to conduct business in ME and NY.

Nassau Life and Annuity Company, Nassau Life Insurance Company and PHL Variable Insurance Company are subsidiaries of Nassau Re. Nassau Re® is a registered trademark by Nassau Reinsurance LLC. BPD#39929

© Nassau Re 2019

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Anthony LaRosaHigher Income on Personal Income Annuity
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Life Portfolio Enhancements

We’re excited to announce the following rate enhancements* on our popular life insurance products, effective August 31, 2019:

  • Safe Harbor Term Express – average rate improvement of 11%
  • Safe Harbor Term – average rate improvement of 8%
  • Remembrance Life (final expense) – rate improvements generally range from 2-6%

* Rate reduction varies by issue age, sex, risk class, and level period (for term). Modest rate increases occur in isolated instances.

We are also making changes to better align Remembrance Life with the final expense marketplace, as follows:

  • Minimum issue age will be 50 years
  • Face amount limits will change as follows:
    • Ages 50-59 – $10,000 min/$50,000 max
    • Ages 60-69 – $10,000 min/$40,000 max
    • Ages 70-80 – $10,000 min/$35,000 max

The rate enhancements combined with the following service improvements for a compelling life insurance offering for producers and their clients:

  • Speed to issue under 3 days for cases received in good order with no additional medical review
  • Streamlined client verification process
  • Enhanced online pending and paid case status updates to every 2 hours

Updated marketing materials will be available for order in the Marketing Catalog Tuesday, September 3. See below for transition guidelines and information. For the latest information on state availability, visit salesnet.nsre.com.

Thank you for your business and continued support of Nassau Re.

Transition Rules

  • Applications signed and received prior to 8/31/2019 will receive the old rates.
  • Applications signed prior to 8/31/2019 but received on or after 8/31/2019 will receive the new rates. An email from the producer confirming that the client agrees to the new rates, will be required prior to issue.
  • Applications signed on or after 8/31/2019 will receive the new rates.

Disclosures

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

Product features vary by state. Lifetime payments and guarantees are based on the claims-paying ability of the issuing company. Insurance Products: NOT FDIC or NCUAA Insured NO Bank or Credit Union Guarantee.

Life insurance products are issued by Nassau Life and Annuity Company (Hartford, CT) and PHL Variable Insurance Company (Hartford, CT). Nassau Life and Annuity Company is not authorized to conduct business in CA, GA, MA, ME, MN and NY. PHL Variable Insurance Company is not authorized to conduct business in ME and NY.

Nassau Life and Annuity Company, Nassau Life Insurance Company and PHL Variable Insurance Company are subsidiaries of Nassau Re. Nassau Re® is a registered trademark by Nassau Reinsurance LLC. BPD#39928

© Nassau Re 2019

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Anthony LaRosaLife Portfolio Enhancements
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Mid-year Growth Update

Dear Valued Producers and Distribution Partners,

As we move into the second half of 2019, I want to thank you for your continued support and partnership with Nassau Re as we execute on our growth strategy together. As an insurance company focused on innovation, the team has been working hard as we launch new products and embrace our strong track record of delivering a best-in-class service experience for producers and policyholders.

With this, we are excited to provide this important mid-year growth update.

  • Nassau Growth Annuity1. Later this summer, we will formally launch our inaugural accumulation-oriented annuity. With more than 10 years since our entry into the FIA income-focused space, we are excited to now offer a strong accumulation product, complementing our other fixed annuity products and allowing us to meet a broader range of growth and income needs for our customers.
  • Nassau Life and Annuity (NLA). We continue to build the strength of our Nassau Re brand for consumers and producers. Last year, we shared our plans to shift future product sales to NLA, our new flagship company focused on growth. I am pleased to report that all of our FIA and life insurance products are available at NLA in most states2.
  • Nassau Elite. After launching Nassau Elite in the second quarter, we now have a growing team of top producers who are writing significant volumes of business and meeting quality of business standards. Our Elite producers are, in turn, benefitting from express new business processing, increased compensation potential, access to special events and more.
  • Insurtech. Through our Insurtech initiative, we have achieved success supporting 11 new and innovative insurance-related companies here in Hartford. We are excited about this project and how it can ultimately stimulate growth for our industry, while bringing a greater focus on insurance to our community.
  • Best in Class Service. Continuing to deliver a best-in-class service experience is very important to Nassau Re. After two years of soliciting customer feedback via Trustpilot, we are consistently delivering a 5-star rating with our consumers, ranking Nassau Re among the top of all insurers for service. In the next several weeks, we will be launching enhancements to our online customer portal including simplified registration and easier layouts to find policy information and make account updates.

Look for more details this summer on our annuity and life products, sales and service. We appreciate your partnership and look forward to executing throughout the rest of 2019.

Sincerely,

Phil

Phil Gass Photo

Phillip J. Gass, Chief Executive Officer

 

  1. Nassau Growth Annuity (19FIA3, ICC19FIA3,19GLWB3, ICCGLWB3) to be issued by Nassau Life and Annuity Company (Hartford, CT). Product features may vary by state.
  2. Nassau Life and Annuity Company is not authorized to conduct business in CA, GA, MA, ME, MN and NY. Nassau Life and Annuity Company is a subsidiary of Nassau Re.

BPD39878

 

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Marily RajpoltMid-year Growth Update
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Nassau FIAs Now Available in Majority of States

Effective July 22, 2019

We are pleased to announce that our suite of fixed indexed annuities (FIAs) issued by Nassau Life and Annuity Company will be available in many more states nationwide:

  • Nassau Personal Income Annuity will be available in all states except CA, DE, GA, MA, ME, MN, NJ, and NY
  • Nassau Personal Protection Choice will be available in all states except CA, DE, GA, HI, IL, LA, MA, ME, MN, MO, MS, NC, NE, NH, NJ, NY, PA, TX, UT, VT and WY
  • Nassau Personal Retirement Choice will be available in all states except CA, CT, DE, GA, IA, MA, ME, MN, NJ, and NY

The Nassau FIA portfolio replaces the currently available Phoenix FIAs, subject to state availability. Where approvals are still pending, we will continue to offer the Phoenix FIAs. Below are the important details of this change for our IMO partners and producers:

  • No action is needed for appointment with Nassau Life and Annuity Company. Active producers will be pre-appointed. All other appointments will be handled on a just in time basis.
  • No new product training is required for the Nassau FIA products, provided that the training modules for the Phoenix FIAs have already been completed.
  • Where available, the Nassau FIA will replace the corresponding Phoenix FIA. Please note the following important product variations:
  • Nassau FIAs have a fixed maturity date vs. the flexible maturity date available on Phoenix FIAs. Clients’ whose primary objective is income guarantees should consider purchasing a product with a GLWB rider.
  • The Nassau FIA available in certain states will have a different surrender charge schedule than the previously available Phoenix FIA had. Click the links below for a listing of issuing companies and surrender schedules by state, which will be updated continuously and can be accessed under State Availability on SalesNet.
  • Applications for FIAs issued by PHL Variable Insurance Company will be accepted through August 31, 2019. Between September 1 and October 13, 2019, PHL applications will be accepted with an acknowledgement form signed by the client.
  • New state-specific applications and forms and marketing materials will be available on www.salesnet.nsre.com on July 22. All FIA product summary orders received July 19 will be held and shipped out with updated materials on July 22.

QUESTIONS? CALL OUR SALES TEAM

1-888-794-4447

For Producer Use Only. Not for use in solicitation or advertising to the Public. 
Products, riders and other features are subject to state availability. Actual product details, including all terms and conditions that apply, are contained in the annuity contract. Lifetime payments and guarantees are based on the claims paying ability of Nassau Life and Annuity Company or PHL Variable Insurance Company. Annuities are issued by Nassau Life and Annuity Company (Hartford, CT) and PHL Variable Insurance Company (Hartford, CT). PHL Variable Insurance Company is not authorized to conduct business in ME and NY. Nassau Life and Annuity Company is not authorized to do business in CA, GA, MA, ME, MN, and NY. The insurers referenced above are separate entities and each is responsible only for its own financial condition and contractual obligations. Nassau Life and Annuity Company, PHL Variable Insurance Company are subsidiaries of Nassau Re.  Nassau Re® is a registered trademark by Nassau Reinsurance LLC.
7-19

Effective July 22, 2019

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Marily RajpoltNassau FIAs Now Available in Majority of States
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