Nassau Personal Protection Choice®

Product Overview

Nassau Personal Protection Choice®

Product Overview


Portfolio Position

Nassau Personal Protection Choice provides customizable, multi-dimensional retirement protection.

Consumer Description

Nassau Personal Protection Choice is a single-premium indexed annuity that offers protection from market loss, a 10-year surrender charge period, and a suite of optional riders to help protect your client's income, family, and lifestyle.


Personal Protection Choice offers a choice of optional guaranteed lifetime withdrawal benefit riders that can provide a stream of income for life: Income Strategy: Today and Income Strategy: Tomorrow. The Income Benefit is enhanced with the choice of adding Care and/or Family Protection benefits.

Marketing Materials

Consumer Brochure

Nassau Personal Income Annuity Brochure Cover


Product Summary

Nassau Create The Life You Want Brochure Cover


Protect your financial future. Your income, your family, your lifestyle.

Sales Support

Wholesaler Discussion

Sales Tools

Required Training

Product Specifications

Rates for new contracts effective: January 2022

Select a State Here:


Core Product

  Min Max
Issue Ages 0 80
Premium $15K $1M
Annual Free Withdrawal 10%
Available Rider Disclosures

*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.

Allocation Strategies

Surrender Charge Schedule

Contract Details

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Important Disclosures

For Producer Use Only. Not for distribution 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.

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, spread rates, caps and strategy fees are subject to change. All indexed account credit calculations exclude dividends. 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 the contract to lose value if index credits are less than fees. Riders involve an added fee that is deducted from the contract value.

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 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.

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

The CS Tactical Multi Asset Index was launched in 2014. Any index performance shown in illustrations and hypothetical examples for periods prior to the index launch dates is based on historical backcasting using hypothetical data. Past performance is not indicative of future results.

Nassau Personal Protection Choice (19FIA, ICC19EIAN, 19RN, 19GLWB2, 19GMDB-S.1 and 19EWB) 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 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

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