Nassau Athos Annuity^SM

Important Disclosures

We reserve the right to revise declared rates at any time. In Group A states, if the oldest owner is age 81 or older at the time of contract issue, then the contract will be issued with the Group B states surrender charge and bonus vesting schedules.

For Producer Use Only. Not for distribution to the 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.

Group A: NOTE - 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, vested premium bonus and premium bonus percentage.

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.

Products offering a bonus may offer less favorable credited interest rates, participation, and cap rates than products not offering a bonus. Over time, the amount of the bonus may be more than offset by these less favorable rates.

Interest rates, participation rates and caps are subject to change. The S&P 500 Dynamic Intraday TCA Index and the Nasdaq-100 Volatility Control 15% Index were launched in 2023 and 2024, respectively. All historical backcasting shown in illustrations and hypothetical examples is based on hypothetical data. Past performance is not indicative of future results.

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. Although index credits are never less than 0%, it is possible for charges to invade principal. Terminal illness and nursing home waivers are only available for issue ages 80 and below.

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.

The S&P 500® and S&P 500® Dynamic Intraday TCA Index (the “Indices”) are a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Nassau Life and Annuity Company (“Nassau”). S&P®, S&P 500®, US 500®, The 500®, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Nassau’s annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.

Nasdaq®, Nasdaq-100 Volatility Control 15%™, XNDX15E™, 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 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).

Nassau Athos Annuity (25FIA-XT, ICC25FIA-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 do 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

Nassau Athos Annuity is an insurance contract, not an investment; it doesn't provide ownership of any stocks, bonds, index funds, or other securities.