Retirement Conversations: Inflation & Rising Expenses

Retirement Conversations –

Inflation And Rising Expenses

Issued by Nassau Life and Annuity Company or Nassau Life Insurance Company

REDUCED PURCHASING POWER, RETIREMENT INCOME ERODED OVER TIME Inflation can reduce purchasing power for all of us, but retirees are especially vulnerable.

Compared to other groups, most of retirees’ income may be fixed or only partially indexed, leaving rising prices to steadily erode purchasing power with limited ability to replace lost income.1 Did you know that 67% of consumers in a 2025 survey cited inflation or the cost of goods as a top financial concern in retirement?2

And consider that consumer prices increased by nearly 25% from March 2021 through March 2026.3

PLANNING PRIORITIES:

Consider this: While a fixed

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You’ll want to protect your nest egg f rom the potential of steadily increasing prices.

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A post-retirement strategy that includes continual participation in market growth with downside protection may offer a buffer to help reduce the impact of inflation on your retirement savings.

indexed annuity from Nassau does NOT guarantee that your contract value will keep up with inflation, our flexible options can be customized to help meet your growth and protection needs and can be a key part of a broader retirement savings strategy.

If you also need a source of guaranteed income, consider purchasing a guaranteed income rider with your annuity.

Speak with your insurance producer or financial professional today to learn more about Nassau Annuities.

Product features, rider options and availability may vary by state. Consult with your insurance producer to determine state variations and restrictions and other conditions that may apply. View the contract and rider disclosures for complete details, conditions and exclusions.

1. U.S. Department of Labor, “The Impact of Inflation on Retirement Savings,” December 2024.

2. Alliance for Lifetime Income 2025 Protected Retirement Income and Planning Study.

3. U.S. Bureau of Labor Statistics; percent change in the Consumer Price Index for All Urban Consumers March 2021 through March 2026.

For use by insurance producers with the general public.

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NASSAU ANNUITIES: Designed for Retirement • Nassau Bonus Annuity Plus® • Nassau Bonus Annuity® • Nassau Growth Annuity® • Nassau MYAnnuity® 5X/7X

GROWTH

• Nassau Simple Annuity

• Nassau Personal Protection Choice®

CARE

• Nassau Income Accelerator • Nassau Personal Income Annuity® • Nassau Personal Protection Choice® INCOME • Nassau Growth Annuity® • Nassau Bonus Annuity®

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• Nassau Personal Protection Choice®

This material is intended for general use with the public and is not meant to provide investment, tax or financial planning advice.

Please consult the applicable product and rider disclosures for a full description of features, benefits, and restrictions. Nassau Life and Annuity Company and Nassau Life Insurance Company have a financial interest in the sale of their products.

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

Lifetime payments and guarantees are based on the claims-paying ability of the issuing company.

Annuities are long-term insurance products particularly suitable for retirement assets. Annuities are not meant to be used to meet shortterm financial goals. Annuities held within qualified plans do not provide any additional tax benefit. Withdrawals above the free withdrawal amount specified in your contract may be subject to surrender charges, fees and adjustments. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply.

Nassau fixed indexed annuities offer a Fixed Account and a variety of Indexed Accounts. The Fixed Account may earn a specified rate of interest of 0% or greater, depending on the product and state regulations. The Indexed Accounts may or may not earn Index Credits.

Although Index Credits are awarded based on an outside index performance, a fixed indexed annuity is not a security. It is a type of insurance contract issued by an insurance company. The contract does not directly participate in any stock, bond or equity investment. Your principal is protected against market losses and guaranteed under the base contract. Applicable fees will be deducted from the contract value and this could potentially result in a loss of principal if the contract has had interest credits less than the fees.

Guaranteed lifetime withdrawal benefit (“income”) riders involve an annual fee that is deducted from the contract value. Income payments are considered withdrawals from the annuity and will reduce the contract value, cash surrender value and death benefit.

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.

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

Nassau Bonus Annuity Plus (23FIA4, ICC23FIA4), 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, 24GLWB2.1, 24GLWB2.2), and Nassau Personal Protection Choice (19FIA, ICC19EIAN, 19RN, 19GLWB2, 19GMDB-S.1, 19EWB, ICC19GLWB2.1, ICC19GMDB-S.2, ICC20EWB.1, 24GLWB2.1, 24GLWB2.2, et al.) single premium deferred fixed indexed annuities, and Nassau Simple Annuity (18FADTCP and ICC18FADTCP) and Nassau MYAnnuity 5X/7X (18IFDAP and ICC18IFDAP/ICC18IFDANP) 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 (17IMGA) 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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