*Optional riders involve an added fee that is deducted annually from the contract value. Certain riders may not be available in all states.
This material is intended for general use with the public and is not meant to provide investment, tax or financial planning advice. Nassau does not provide individual tax, financial or investment advice or act as a fiduciary in the sale or service of insurance contracts. Please consult your personal tax or financial advisor for assistance. Nassau has a financial interest in the sale of its products. Please consult the applicable product and rider disclosures for a full description of features, benefits, and restrictions.
Product features, riders and availability may vary by state. Guarantees are based on the claims-paying ability of the issuing company. Riders must be elected at issue and involve an additional fee that is deducted annually from your contract value. Indexed account options, rates and fees are subject to change.
Annuities are long-term insurance products particularly suitable for retirement assets. Annuities are not meant to be used to meet short-term financial goals. Annuities held within qualified plans do not provide any additional tax benefit. Early withdrawals may be subject to surrender charges and a market value adjustment may also apply. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply.
Non-Security Status Disclosure - These contracts have not been approved or disapproved by the Securities and Exchange Commission. The contracts are not registered under the Securities Act of 1933 and are 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.
Nassau Personal Retirement Choice (19FIA, ICC19EIA, 19ISB, 19GLWB2) 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 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.
Nassau Personal Retirement Choice is an insurance contract, not an investment; it doesn't provide ownership of any stocks, bonds, index funds, or any other securities.