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Disclosures

1. Income, Protection and Family Benefit riders are optional and must be elected at the time of application. Riders involve an additional fee that is deducted annually from the contract value. See Rider Disclosures for details.

2. Bonus is 7% for issue ages 81-85. 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. Bonus is subject to a vesting schedule and is not immediately available for withdrawal. View the Product Disclosure for details.

3. The Flex-Forward Income Benefit Rider is only available for issue ages 50-70 of the Youngest Covered person. Clients can potentially use the Early Income Feature to create an income bridge to help delay filing Social Security and maximize their benefit. Individual results will vary. Nassau Life and Annuity Company, Nassau Income Accelerator and the Flex-Forward Income Benefit rider are NOT connected with, recommended, or endorsed by any governmental program, agency, or entity, including the Social Security Administration. If the client exercises the Flex-Forward Income Benefit rider and starts taking Early Income Amount payments before the youngest Covered Person turns 59½, they may be subject to tax penalties. Please be sure to encourage your clients to discuss their situation with a tax advisor prior to exercising their rider.

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

Product features, rider options, and availability may vary by state. Annuity 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.

Nassau Income Accelerator (19FIA, ICC19EIAN, 19ISN, 19GLWB2, 22GLWB, 22GLWB1.1, 23GLWB2.1, ICC22GLWB1.1, ICC23GLWB2.1, et al.), Nassau Bonus Annuity (19FIA3, ICC19FIA3, 19GLWB3, ICC19GLWB3.1), Nassau Growth Annuity (19FIA3, ICC19FIA3N, 19GLWB3, ICC19GLWB3.1, 19ECH, ICC19ECH), Nassau Personal Income Annuity (19FIA, ICC19EIAN, 19ISN, 19GLWB2, ICC19GLWB2.1, ICC19GLWB2.2), Nassau Personal Protection Choice (19FIA, ICC19EIAN, 19RN, 19GLWB2, 19GMDB-S.1, 19EWB, ICC19GLWB2.1, ICC20EWB.1, et al.), Nassau Simple Annuity (18FADTCP and ICC18FADTCP), and Nassau MYAnnuity 5X/7X (18IFDAP and ICC18IFDAP/ICC18IFDANP) 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 (17IMGA) is 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

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