SM ANNUAL CONTRACT ANNIVERSARY - WHAT TO EXPECT?
You selected the powerful growth potential and flexibility available with Nassau Athos Annuity to help meet your clients’ accumulation needs. An annual anniversary is an important retirement milestone for contract holders. It offers a time for owners to review their current segment selections, fund allocations, and future default extension selections. Note: Keep in mind the unique extendable crediting strategies available with Athos do not require action during the annual anniversary, however we want to make sure owners are aware of the options and related deadlines.
Anniversary Timeline at a Glance Reallocation Letter & Account Values message
annual statement
online tool
transaction confirms
Summary of Anniversary Communications & Timing
The following outlines communications and tools available for managing the reallocation window.
COMMUNICATION
timing
owner
producer DELIVERY METHOD
tIMING REALLOCATION LETTER
COMMUNICATION/TOOLS
tIMING ACCOUNT VALUES MESSAGE
COMMUNICATION/TOOLS Viewable 30 calendar days prior to contract anniversary
tIMING ANNUAL STATEMENT
COMMUNICATION/TOOLS
tIMING ONLINE REALLOCATION TOOL
COMMUNICATION/TOOLS
Mailed 30 calendar days prior to contract anniversary
Mailed one business day after contract anniversary
Important Reminder
Regular Mail*
•
Electronic copy available in online account.
DELIVERY METHOD
•
Email Notification with link to document.
•
Electronic copy available in online account.
(SalesNet Registration/Log In required)
*Mailing includes insert with Nassau online account instructions.
DELIVERY METHOD Web: Message on website timed to match arrival of reallocation letter & provides digital notice of approaching reallocation period & deadlines • •
DELIVERY METHOD
Regular Mail
Electronic copy available in online account.
•
DELIVERY METHOD
Email Notification with link to document.
(SalesNet Registration/Log In required)
•
Electronic copy available in online account.
DELIVERY METHOD
Web: Link to reallocation tool available in the Account Values view.
Tool accessible one business day after anniversary
Updates/changes must be submitted within 15 calendar days* of anniversary date. No action required if extension strategy selected. *The reallocation period currently is 15 days, begins immediately following the contract anniversary, and is subject to change.
tIMING TRANSACTION CONFIRMATION(S) only if updates are submitted
DELIVERY METHOD
•
COMMUNICATION/TOOLS Mailed the next business day after 15 calendar-day reallocation period closes
DELIVERY METHOD • •
Regular Mail Electronic copy available in online account.
DELIVERY METHOD
•
Email Notification with link to document.
•
Electronic copy available in online account.
(SalesNet Registration/Log In required)
The 15 calendar-day reallocation period is your client’s opportunity to make changes to segment selections and fund allocations. If no action is taken, their current allocations and default extension selections will continue until the next contract anniversary.
Questions? CALL OUR SALES DESK AT 1-888-794-4447 OR VISIT NFG.LINK/ATHOS-ANNIVERSARY F O R P R O D U C E R U S E O N LY. N O T F O R U S E W I T H C O N S U M E R S .
HOW to VIEW COPIES OF the DOCUMENTS ONLINE: 1
LOG IN/REGISTER ON SALESNET.NFG.COM
(Note: Contract Owners should visit nfg.com to log in/register)
2
LOOK FOR ACCOUNT DOCUMENTS IN THE TRACK MENU
3
SEARCH FOR ACCOUNT (by policy/contract number, owner name or tax ID)
4
VIEW CORRESPONDENCE: Reallocation Letter VIEW STATEMENT AND TRANSACTION CONFIRMATIONS: Annual Statement & Transaction Confirmations (if applicable)
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EXAMPLE FROM WEBSITE
WATCH OUR REALLOCATION TOOL video walkthrough watch video WORKING HARDER TO BE YOUR CARRIER OF CHOICE
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. 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. Terminal illness and nursing home waivers are only available for issue ages 80 and below. Nursing home waiver not available in California. 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. Nassau Athos Annuity (25FIA-XT, ICC25FIA-XT, 25FIAN-XT, ICC25FIAN-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 conduct 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 NCUA Insured | NO Bank or Credit Union Guarantee. BPD42663 F O R P R O D U C E R U S E O N LY. N O T F O R U S E W I T H C O N S U M E R S .
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