News

2023 Guaranteed Minimum Interest Rate and Total Guaranteed Value Updates

Effective January 1, 2023, Nassau will be increasing Guaranteed Minimum Interest Rates (GMIR), Guaranteed Minimum Fixed Account Interest Rates (GMFAIR), and Total Guaranteed Value (TGV) Interest Rates. Please note: rates and product availability may vary by state. For more details, visit the rates page of each product on Salesnet.

These increases will impact new business issued on or after January 1, 2023.

GMIR, GMFAIR Increases

Nassau Personal Income Annuity, Nassau Personal Protection Choice, Nassau Personal Retirement Choice®
Group C, D: 2.55%

Nassau Growth Annuity®
Group A, B, C: 2.55%

MYAnnuity® 5X in NY
2.55%

TGV Increases

Nassau Personal Income Annuity®, Nassau Personal Protection Choice®, Nassau Personal Retirement Choice®
Group A, B, B*, Group D: Fixed Account – 2.55%, Indexed Account – 2.55%
Group C: Fixed Account – 2.55%, Indexed Account – 1.55%

Nassau Growth Annuity
Group A, B, C: Fixed Account – 2.55%, Indexed Account – 1.55%

Nassau MYAnnuity 5X, 7X (non-NY) and Nassau Simple Annuity
Fixed Account – 2.55%

If you have any questions, please contact our sales desk at 1-888-794-4447.


Disclosures

For Producer Use Only. Not for use with the general public or consumers as sales literature.

Product features, rider options, 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.

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

Nassau Growth Annuity (19FIA3, ICC19FIA3N), Nassau Personal Income Annuity (ICC19EIAN,19FIA and19ISN), Nassau Personal Protection Choice (ICC19EIAN, 19FIA and 19RN), and Nassau Personal Retirement Choice (19FIA, ICC19EIA, 19ISB) single premium deferred fixed indexed annuities, and Nassau MYAnnuity 5X/7X (18IFDAP and ICC18IFDAP/ICC18IFDANP) and Nassau Simple Annuity (18FADTCP and ICC18FADTCP) single premium deferred fixed 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. In New York, Nassau MYAnnuity 5X (Form17IMGA) single premium deferred fixed annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.

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Anthony LaRosa2023 Guaranteed Minimum Interest Rate and Total Guaranteed Value Updates
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December 2022 Update – The State of the Economy with David Czerniecki

In this episode of That Annuity Show, David Czerniecki, Chief Investment Officer for Nassau, shares his latest perspective on the economy, including the following topics:

  • Gas Prices and Inflation
  • Interest Rates
  • Market Volatility
  • Supply Chain Issues
  • Digital Currencies

Listen to and Share the Podcast

Content Highlights with Timing

2:30 – Gas Prices
4:10 – Market Downturn
7:00 – Supply Chain Issues
8:45 – Digital Currency Market
10:30 – Interest Rates
11:30 – Inflation
13:00 – Market Volatility

Audio Snippet for Marketing

We have pulled a short audio snippet that you can use on social media, emails, or your website to create engagement and help generate leads. We created two formats – a tall one for Facebook and Instagram reels and a square one for LinkedIn, Facebook, and Instagram posts. Using them is simple:

  1. Download the videos to your computer or phone.
  2. Upload the videos to your favorite site.
  3. In the comments or description sections, tell people to contact you for more information.

The Swing of Market Volatility

But I do think we have a period volatility ahead. But I think you’re starting to see it, and it will, as we come through, look a lot more like the rate market that, over my 30 year plus years, I grew up with where it did move around a bit and there was some amount of volatility. I think it’s high now. I think it was too low before. So the pendulum swung from side to side and we’re going to find the middle here.

IMPORTANT DISCLOSURES

For informational purposes only. Not intended as financial advice. 

This information is provided by Nassau solely for educational purposes. It is not meant to provide financial or investment advice tailored to you in any way and you are encouraged to consult a financial advisor for guidance. Do not rely on information in this communication to make financial decisions. Nassau does not provide individual tax, financial or investment advice or act as a fiduciary in the sale or service of insurance contracts. 

Product features, rider options, and availability may vary by state. Annuities are long-term insurance contracts and are not suitable to meet short-term financial goals. Early withdrawals may be subject to surrender charges and a market value adjustment. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. Guarantees are based on the claims-paying ability of the issuing company. See Product Disclosures for details. 

Nassau fixed and fixed indexed annuities (18IFDAP, 18FADTCP, ICC18IFDAP/ICC18FADTCP, 19FIA, 19FIA3 et al.) are issued by Nassau Life and Annuity Company (Hartford, CT), except in New York where fixed annuities (I7IMGA) 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.” 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 and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group.

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

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Anthony LaRosaDecember 2022 Update – The State of the Economy with David Czerniecki
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December Rates – MYGAs Up To 5.50%

Even Stronger MYGA Rates – Effective December 1, 2022

      Product
Rates Up To

⬆️  Nassau MYAnnuity® 5X

5.40%¹

⬆️  Nassau MYAnnuity 7X

5.50%¹

⬆️  Nassau Simple Annuity - 4yr

5.15%²

⬆️  Nassau Simple Annuity - 6yr

5.40%²

">

⬆️  Nassau MYAnnuity 5X in NY

5.10%¹

Strong Rates Continue For Nassau Growth Annuity®

10-Year Highlights

      Nassau Growth Annuity®
Rates Up To³

      1-Year S&P 500® Cap Rate

11.00%

      1-Year S&P 500 Par w/Fee

50%

      2-Year Sunrise Smart Passage SG Par w/Fee

200%

      Fixed Account

4.45%

7-Year Highlights

      Nassau Growth Annuity®
Rates Up To⁴

      1-Year S&P 500® Cap Rate

9.50%

      1-Year S&P 500 Par w/Fee

43%

      2-Year Sunrise Smart Passage SG Par w/Fee

175%

Find Out More

Specific product rates are available by clicking the links below.

Nassau Growth Annuity
Nassau Personal Income Annuity
Nassau Personal Protection Choice
Nassau Personal Retirement Choice
Nassau MYAnnuity 5X/7X
Nassau Simple Annuity

Feel free to bookmark our Annuity Rates Page to reference the current month’s rates and check back anytime. For questions, please call us at 888-794-4447 (option 1) or contact us online.

Important Details & Disclosures

1. Clients have a choice of 10% Free Withdrawal Amount or No Free Withdrawal Amount. Election must be made at issue. Rates shown are for contracts with no free withdrawals and are different for contracts with 10% free withdrawals. New rates are posted here, effective December 1, 2022, and subject to change. Nonqualified funds and Traditional IRAs only in New York (Roth, SEP, or SIMPLE IRAs are not approved in New York).

2. Rates shown include 5% Free Withdrawal Amount. New rates are posted here, effective December 1, 2022, and subject to change.

3. Rates effective December 1, 2022. Rates shown for 10-year surrender charge schedule contracts in Group A States. S&P 500 indexed accounts and 2-year Sunrise Smart Passage SG indexed accounts are for enhanced participation rate accounts which currently include a 1.00% annual strategy fee that applies in each year of the index term (subject to change). In Group A States, if the oldest contract owner is age 81 or older at issue, the contract will be issued with the Group B States surrender charge schedule and crediting rates. Indexed account credits are based on a cap, participation or enhanced participation rate set at the beginning of each indexed 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. Sunrise Smart Passage SG accounts apply the Sunrise Crediting Method which may result in the account underperforming other indexed accounts if the growth is concentrated in one or two months.

4. Rates effective December 1, 2022. Rates shown for 7-year surrender charge schedule contracts. 1-year S&P 500 indexed accounts and 2-year Sunrise Smart Passage SG indexed accounts are for enhanced participation rate accounts which currently include a 1.00% annual strategy fee that applies in each year of the index term (subject to change). Indexed account credits are based on a cap, participation or enhanced participation rate set at the beginning of each indexed 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. Sunrise Smart Passage SG accounts apply the Sunrise Crediting Method which may result in the account underperforming other indexed accounts if the growth is concentrated in one or two months.

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”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); 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, Dow Jones, 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.

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 MERCHANTABILITY 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.

For Producer Use Only.
 Not for use with the general public or consumers as sales literature.

Product features, rider options, 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.

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

Nassau Growth Annuity (19FIA3, ICC19FIA3N), Nassau Personal Income Annuity (ICC19EIAN,19FIA and19ISN), Nassau Personal Protection Choice (ICC19EIAN, 19FIA and 19RN), and Nassau Personal Retirement Choice (19FIA, ICC19EIA, 19ISB) single premium deferred fixed indexed annuities, and Nassau MYAnnuity 5X/7X (18IFDAP and ICC18IFDAP/ICC18IFDANP) and Nassau Simple Annuity (18FADTCP and ICC18FADTCP) single premium deferred fixed 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 MA, ME and NY, but that is subject to change. In New York, Nassau MYAnnuity 5X (Form17IMGA) single premium deferred fixed annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.

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Anthony LaRosaDecember Rates – MYGAs Up To 5.50%
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FIA and MYGA Rates Update for November 2022

Increased Rates for All Nassau Growth Annuity® Contracts

      Nassau Growth Annuity®
Rates Up To¹

⬆️  1-Year S&P 500® Cap Rate

11.00%

⬆️  1-Year S&P 500 Par w/Fee

50%

⬆️  2-Year Sunrise Smart Passage SG Par w/Fee

200%

⬆️  Fixed Account

4.45%

Strong Nassau Growth Annuity Rates for 7-Year Contracts

Be sure to check out these competitive cap, par and enhanced par rates (effective November 1) for clients who may be seeking a shorter-duration, accumulation-focused option, including:

  • A 9.50% 1-Year S&P 500® cap rate²
  • Up to 43% on 1-Year S&P 500 par rate with fee indexed account strategies²
  • Up to 175% on 2-Year Sunrise Smart Passage SG par rate with fee indexed account strategies²

Rates for all other fixed indexed annuities are unchanged.

Another MYGA Rates Increase – Effective Nov. 1, 2022

We’ve raised multi-year guarantee annuity rates again! These strong rates provide an array of options for clients looking to put sidelined cash to work and protect their hard-earned savings.

      Product
Rates Up To

⬆️  Nassau MYAnnuity® 5X

5.30%³

⬆️  Nassau MYAnnuity 7X

5.40%³

⬆️  Nassau Simple Annuity - 4yr

5.05%⁴

⬆️  Nassau Simple Annuity - 6yr

5.30%⁴

">

⬆️  Nassau MYAnnuity 5X in NY

5.00%³

Find Out More

Specific product rates are available by clicking the links below.

Nassau Growth Annuity
Nassau Personal Income Annuity
Nassau Personal Protection Choice
Nassau Personal Retirement Choice
Nassau MYAnnuity 5X/7X
Nassau Simple Annuity

Feel free to bookmark our Annuity Rates Page to reference the current month’s rates and check back anytime. For questions, please call us at 888-794-4447 (option 1) or contact us online.

Best regards,

The Annuity Sales Desk
888-794-4447
nfg.com/contact-service.html

Important Details & Disclosures

* Rates vary by contract duration and state group.

1. Rates effective November 1, 2022. Rates shown for 10-year surrender charge schedule contracts in Group A States. In Group A States, if the oldest contract owner is age 81 or older at issue, the contract will be issued with the Group B States surrender charge schedule and crediting rates. Indexed account credits are based on a cap, participation or enhanced participation rate set at the beginning of each indexed 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. Sunrise Smart Passage SG accounts apply the Sunrise Crediting Method which may result in the account underperforming other indexed accounts if the growth is concentrated in one or two months.

2. Rates effective November 1, 2022. Rates shown for 7-year surrender charge schedule contracts. 1-year S&P 500 indexed accounts and 2-year Sunrise Smart Passage SG indexed accounts are for enhanced participation rate accounts which currently include a 1.00% annual strategy fee that applies in each year of the index term (subject to change). 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. Sunrise Smart Passage SG accounts apply the Sunrise Crediting Method which may result in the account underperforming other indexed accounts if the growth is concentrated in one or two months.

3. Clients have a choice of 10% Free Withdrawal Amount or No Free Withdrawal Amount. Election must be made at issue. Rates shown are for contracts with no free withdrawals and are different for contracts with 10% free withdrawals. New rates are posted here, effective November 1, 2022, and subject to change. Nonqualified funds and Traditional IRAs only in New York (Roth, SEP, or SIMPLE IRAs are not approved in New York).

4. Rates shown include 5% Free Withdrawal Amount. New rates are posted here, effective November 1, 2022, and subject to change.

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”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); 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, Dow Jones, 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.

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 MERCHANTABILITY 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.

For Producer Use Only. Not for use with the general public or consumers as sales literature.

Product features, rider options, 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.

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

Nassau Growth Annuity (19FIA3, ICC19FIA3N), Nassau Personal Income Annuity (ICC19EIAN,19FIA and19ISN), Nassau Personal Protection Choice (ICC19EIAN, 19FIA and 19RN), and Nassau Personal Retirement Choice (19FIA, ICC19EIAN, 19ISB) single premium deferred fixed indexed annuities, and Nassau MYAnnuity 5X/7X (18IFDAP and ICC18IFDAP/ICC18IFDANP) and Nassau Simple Annuity (18FADTCP and ICC18FADTCP) single premium deferred fixed 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 MA, ME and NY, but that is subject to change. In New York, Nassau MYAnnuity 5X (Form17IMGA) single premium deferred fixed annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.

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Anthony LaRosaFIA and MYGA Rates Update for November 2022
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2023 Dividend Scale

We are changing the policy dividend scale for all “closed block” participating policies purchased before the June 2001 demutualization of Phoenix Life Insurance Company (now Nassau Life Insurance Company), effective January 1, 2023. The 2023 dividend scale will incorporate a 0.50% (50 bps) dividend interest rate increase across all products, driven by strong investment performance.

As a result, most policyholders will see an increase to the dividend paid in 2023 compared to the dividend paid in 2022, reflecting this higher rate as well as growth in the value of their policy.

We are also making adjustments to the mortality component of dividends to reflect recent experience.  As always, the amount of dividend paid is based on a number of factors including product type, age at issue, length of time the policy has been in force, gender, and health when the policy was issued. Some policyholders will see a decrease for reasons including mortality, loan balances or loan interest rates that affect the size of the dividend paid. However, a policy’s 2023 dividend will be at least equal to 75% of the 2022 dividend, prior to loan adjustments.

We are also making similar changes to the dividend scale for the participating policies in the “open block” (purchased after demutualization).

Please note that when we changed the name of Phoenix Life Insurance Company to Nassau Life Insurance Company, the company name is the only thing that changed. All policy terms, including terms and conditions for dividend-eligible policies, remain the same, and the closed block continues to be managed in accordance with the original Plan of Demutualization.

If you have any questions about your policy, please contact the Nassau Service Center Team at 1-800-628-1936.

Other Important Information:

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Increased MYGA Rates, Even Easier to Sell

Increased MYGA Rates – Effective October 17, 2022

      Product
Rates Up To

⬆️  Nassau MYAnnuity® 5X

5.10%¹

⬆️  Nassau MYAnnuity 7X

5.20%¹

⬆️  Nassau Simple Annuity - 4yr

4.85%²

⬆️  Nassau Simple Annuity - 6yr

5.10%²

">

⬆️  Nassau MYAnnuity 5X in NY

4.80%¹

It’s Even Easier to Sell Our MYGAs

New guaranteed periods available on our mobile website.

At Nassau, we strive to help you submit your business, your way. On Sept. 30, Nassau launched Nassau MYAnnuity® 5X/7X on our mobile website, unlocking a digital-first experience for all of our MYGAs.

Through our digital sales program, quickly and easily receive your shareable code/link that enables clients to apply on our mobile website in just fifteen minutes from any device. Here are just a few ways to unlock the power of your shareable code/link:

  • Embed our pre-approved banner ads on your website
  • Reengage prospects with email templates
  • Launch a digital ad campaign with our marketing assets
  • Conduct a virtual meeting and help your client apply from anywhere
New MYGA marketing materials

Marketing Campaigns*

It’s faster and easier than ever to launch client-approved marketing campaigns with our custom ads, web banners, and emails.

MYGA Quote Tool on SalesNet

New MYGA Quote Tool*

Quickly and easily share the power of our strong guaranteed interest rates with our new, sleek MYGA quote tool on Salesnet.

1. Clients have a choice of 10% Free Withdrawal Amount or No Free Withdrawal Amount. Election must be made at issue. Rates shown are for contracts with no free withdrawals and are different for contracts with 10% free withdrawals. New rates are posted here, effective October 17, 2022, and subject to change. Nonqualified funds and Traditional IRAs only in New York (Roth, SEP, or SIMPLE IRAs are not approved in New York).

2. Rates shown include 5% Free Withdrawal Amount. New rates are posted here, effective October 17, 2022, and subject to change.

Disclosures

For Producer Use Only. Not for use in solicitation or advertising to the Public.

Product features, rider options and availability may vary by state. 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, 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. Lifetime payments and guarantees are based on the claims-paying ability of the issuing company. Nassau reserves the right to revise declared rates at any time.

Nassau MYAnnuity 5X/7X (18IFDAP and ICC18IFDAP/ICC18IFDANP) and Nassau Simple Annuity (18FADTCP and ICC18FADTCP) single premium deferred fixed 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 MA, ME and NY, but that is subject to change. In New York, Nassau MYAnnuity 5X (Form17IMGA) single premium deferred fixed annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.

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

BPD#41110

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Inside the Nasdaq-100®

Sara Mehle, ESG Index Strategist on Nasdaq’s Index R&D team, joined our recent National Webinar to talk about the Nasdaq-100 Index. Check out these videos to find out more!

The Nasdaq-100 Index: An Overview

The disruptors, the game changers, the forward thinkers. Companies that influence our lives daily, in multiple areas.

Volatility and the Nasdaq-100

The Nasdaq-100 and the S&P 500® have had similar volatility over the last 15-plus years.

The Nasdaq-100 and Longer-Term Trends

How is the Nasdaq-100 positioned in an environment of higher inflation and higher interest rates?

More on the Nasdaq-100 and Rising Interest Rates

With aggressive rate tightening by the Federal Reserve, will top Nasdaq-100 companies remain competitive.

What’s Next for the Nasdaq-100

A thematic index with meaningful exposure to a host of new economy sectors.

Disclosures

Nasdaq® is a registered trademark of Nasdaq, Inc. The information contained above is provided for informational and educational purposes only, and nothing contained herein should be construed as investment advice, either on behalf of a particular security or an overall investment strategy. Neither Nasdaq, Inc.  nor any of its affiliates makes any recommendation to buy or sell any security or any representation about the financial condition of any company. Statements regarding Nasdaq-listed companies or Nasdaq proprietary indexes are not guarantees of future performance. Actual results may differ materially from those expressed or implied. Past performance is not indicative of future results. Investors should undertake their own due diligence and carefully evaluate companies before investing. ADVICE FROM A SECURITIES PROFESSIONAL IS STRONGLY ADVISED.

As to Nasdaq content/properties, © 2022. Nasdaq, Inc. All Rights Reserved.

Nasdaq® and the Nasdaq-100® Index are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Nassau Life and Annuity Company. 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.

For Producer Use Only. Not for use in solicitation or advertising to the public. 

Product features, rider options, 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 Growth Annuity (19FIA3, ICC19FIA3), Nassau Personal Income Annuity (ICC19EIAN,19FIA,19ISN), Nassau Personal Protection Choice (ICC19EIAN, 19FIA) and Nassau Personal Retirement Choice (19FIA, ICC19EIAN, 19ISB) 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 MA, 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

BPD41114

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FIA and MYGA Rates Update for October 2022

Increased Nassau Growth Annuity® Rates For All Contracts

Effective Oct. 1, we are raising rates for all indexed accounts available with Nassau Growth Annuity 7- and 10-year (9 years in CA) surrender charge schedule contracts.¹

Rates for our other fixed indexed annuities and multi-year guarantee annuities are unchanged.

      Nassau Growth Annuity®
Rates Up To

⬆️  1 Year S&P 500® Cap

8.00%¹

⬆️  2-Year S&P 500 Par

52%¹

⬆️  2-Year Nasdaq-100® Par w/ Fee

54%¹

⬆️  Fixed Account

3.70%¹

Our Strong MYGA Rates Remain Consistent

We continue to offer competitive multi-year guarantee annuity rates across 4-, 5-, 6- and 7-year durations, offering your clients a range of options and potential laddering strategies for their retirement savings.

Nassau MYAnnuity® 5X in New York is also now eligible for Traditional IRAs as premium payment options.²

Product
Rates Up To

Nassau MYAnnuity® 5X

4.75%³

Nassau MYAnnuity 7X

4.85%³

Nassau Simple Annuity - 4yr

4.60%⁴

Nassau Simple Annuity - 6yr

4.75%⁴

">

Nassau MYAnnuity 5X in NY

4.25%⁵

Find Out More

Specific product rates are available by clicking the links below.

Nassau Growth Annuity
Nassau Personal Income Annuity
Nassau Personal Protection Choice
Nassau Personal Retirement Choice
Nassau MYAnnuity 5X/7X
Nassau Simple Annuity

Feel free to bookmark our Annuity Rates Page to reference the current month’s rates and check back anytime. For questions, please call us at 888-794-4447 (option 1) or contact us online.

Best regards,

The Annuity Sales Desk
888-794-4447
nfg.com/contact-service.html

Important Details & Disclosures

1. Rates effective October 1, 2022 on contracts with 10-year surrender charge schedule in Group A states only. Indexed account credits are based on a cap, participation or enhanced participation rate set at the beginning of each indexed account segment and subject to change for future segments. For indexed accounts with enhanced participation rates, currently a 1.00% annual strategy fee applies in each year of the index term (subject to change). 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. Fixed accounts are available for a 1-year segment duration and rates are subject to change at the beginning of each new segment.

2. Nonqualified funds and Traditional IRAs only in NY. Roth, SEP, or SIMPLE IRAs are not approved.

3. Clients have a choice of 10% Free Withdrawal Amount or No Free Withdrawal Amount. Election must be made at issue. Rates shown are for contracts with no free withdrawals and are different for contracts with 10% free withdrawals. New rates are posted here, effective October 1, 2022, and subject to change. Rates not applicable to contracts in NY.

4. Rates shown include 5% Free Withdrawal Amount. New rates are posted here, effective October 1, 2022, and subject to change.

5. Clients have a choice of 10% Free Withdrawal Amount or No Free Withdrawal Amount. Election must be made at issue. Rates shown are for contracts with no free withdrawals and are different for contracts with 10% free withdrawals. New rates are posted here, effective October 1, 2022, and subject to change.

Nasdaq® and Nasdaq-100® are registered trademarks 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”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); 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, Dow Jones, 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.

For Producer Use Only. Not for use with the general public or consumers as sales literature.

Product features, rider options, 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.

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

Nassau Growth Annuity (19FIA3, ICC19FIA3), Nassau Personal Income Annuity (ICC19EIAN,19FIA and19ISN), Nassau Personal Protection Choice (ICC19EIAN, 19FIA and 19RN), and Nassau Personal Retirement Choice (19FIA, ICC19EIAN, 19ISB) single premium deferred fixed indexed annuities, and Nassau MYAnnuity 5X/7X (ICC18IFDAP, 18IFDAP) and Nassau Simple Annuity (18FADTCP and ICC18FADTCP) single premium deferred fixed 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 MA, ME and NY, but that is subject to change. In New York, Nassau MYAnnuity 5X (Form17IMGA) single premium deferred fixed annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.

BPD41069

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Take a Look at Nassau’s Enhanced E-App

At Nassau, we strive to make your experience submitting new business with us as easy and efficient as possible. This September 30, we will launch a series of digital enhancements to help you submit your business, your way—including enhancements to our eApp.

Watch Ericka Krueger, business systems analyst, review eApp enhancements.

Sleek, Modern Design

eApp will look and feel more like the online forms you fill out in your daily life.

Clear, Concise Fields

Based on your responses, eApp will remove irrelevant fields.

Fast Submits 

By keeping your focus solely on the fields that require answers, eApp will help mitigate errors, reduce NIGOs, and save you time.

Disclosures

For Producer Use Only. Not for use in solicitation or advertising to the Public.

Product features, rider options and availability may vary by state. 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, needs, and objectives. Lifetime payments and guarantees are based on the claims-paying ability of the issuing company. 

Nassau 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 MA, ME and NY, but that is subject to change. In New York, Nassau MYAnnuity 5X (Form17IMGA) single premium deferred fixed annuities are issued by Nassau Life Insurance Company (East Greenbush, NY). Nassau Life and Annuity Company and Nassau Life Insurance Company are subsidiaries of Nassau Financial Group. The insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.

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

BPD#41089

© 2022 Nassau

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Income Climbs Toward New Peaks

Beginning September 12, 2022, we’re excited to announce annual benefit amount (ABA) increases to the income riders of select fixed indexed annuity (FIA) products. Want to learn more? Register for our Sept. 13 webinar!

      FIA
ABA Increases Up To*

⬆️  Nassau Personal Income Annuity®

19%

⬆️  Nassau Personal Protection Choice®

24%

⬆️  Nassau Growth Annuity®**

6%

Transition Rules

  1. Signed and dated on or before 9/11/2022 will receive the old ABA rates. This includes all applications that are currently pending.
  2. Signed and dated on or after 9/12/2022 will receive the new ABA rates.

Nassau Personal Income Annuity

+11-14%*

Income Strategy: Today

+5-19%*

Income Strategy: Tomorrow

Income Benefit Client Scenarios¹

Income Strategy: Tomorrow

Age / Wait

Old Income

New Income

Increase

Increase YTD

60 / 10

$11,184

$13,320

19.1%

26.1%

65 / 5

$8,466

$9,911

17.1%

24.0%

70 / 5

$9,401

$10,999

17.0%

23.9%

Nassau Personal Protection Choice

+17-22%*

Income Strategy: Today with Care & Family Protection

+8-23%*

Income Strategy: Tomorrow with Care & Family Protection

Income Benefit Client Scenarios¹

Income Strategy: Tomorrow with Care & Family Protection

Age / Wait

Old Income

New Income

Increase

60 / 10

$9,864

$12,072

22.4%

65 / 5

$7,480

$8,976

20.0%

70 / 5

$8,313

$9,962

19.8%

Nassau Growth Annuity

+6%*

Amplified Income with Rising Income Opportunity (RIO)²

+3%*

Amplified Income Plus with Rising Income Opportunity (RIO)²

Important Details

*Increase based on Nassau product analysis using current rates, subject to change. Actual ABA percentages vary by state availability, age, wait, coverage option, and rider combo. Nassau Personal Protection Choice’s Care Protection benefit is not available in California.

**For Amplified Income with RIO and Amplified Income Plus with RIO only.

1) Annual benefit amounts effective September 12, 2022, subject to change. Assumptions: $100,000 premium, single 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 Benefit Base by a withdrawal factor at rider exercise. For Nassau Personal Income Annuity, the Income Strategy rider involves an annual fee of 0.95% of the Income Benefit Base, deducted from the contract value and subject to change. For Nassau Personal Protection Choice, the fee for Income, Care and Family Protection is 1.15% of the Income Benefit Base, deducted from the contract value and subject to change.

2) Amplified Income with RIO and Amplified Income Plus with RIO are only available for issue ages 80 and below. On each contract anniversary 150% of the contract’s growth, net of strategy fees, will be added to the Benefit Base. Roll-ups end after 15 years. The Benefit Base is a calculated value used only to determine rider benefits and fees. It does not guarantee contract value and is not available for withdrawal. Riders involve an additional fee that is based on a percentage of the Benefit Base and is deducted annually from the contract’s accumulation value. For Amplified Income with RIO, the fee is 0.25%. For Amplified Income Plus with RIO, the fee is 0.95%. See Product and Rider Disclosures for more information.

Disclosures

For Producer Use Only. Not for use in solicitation or advertising to the Public.

Product features, rider options and availability may vary by state. 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, needs, and objectives. Lifetime payments and guarantees are based on the claims-paying ability of the issuing company. Nassau reserves the right to revise declared rates at any time.

Nassau Growth Annuity (19FIA3, ICC19FIA3, 19GLWB3, 19ECH), Nassau Personal Income Annuity (19FIA, ICC19EIAN, 19ISN, 19GLWB2), and Nassau Personal Protection Choice (19FIA, ICC19EIAN, 19RN, 19GLWB2,19GMDB-S.1, 19EWB) single premium 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 MA, 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

BPD#41080

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