NASSAU ATHOS ANNUITY
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ANNIVERSARY ONLINE GUIDE YOUR GUIDE TO MANAGING ANNUAL ACCOUNT ALLOCATIONS & EXTENSION SELECTIONS
BEFORE YOU BEGIN Access Your Online Account To access the tool for your Nassau Athos AnnuitySM anniversary you will need to use your NFG.com online account.
NEED TO REGISTER? If you need to register for an online account, please select the button below that best describes your role to access the instructions:
I’M A POLICYHOLDER
I’M A PRODUCER
ALREADY REGISTERED? 1.
Visit NFG.com and log into your online account
2.
You will be brought to the My Portfolio page of your account after login; from there select the number you wish to review
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Selecting the account number will bring you to your Account Details page; from here you will be able to access your Nassau Athos AnnuitySM Reallocation Tool
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Your Contract Anniversary Within 30 days of your contract anniversary you will receive a letter from Nassau about your upcoming contract anniversary. In your NFG.com account, you will have a notice under Account Details that you will soon have access to the Reallocation Tool.
Beginning the first business day after your contract anniversary you will have access to the Reallocation Tool.
Any changes you wish to submit must be done through the tool within 15 days of your contract anniversary. This is known as your Reallocation Period.
Need Support? FINANCIAL QUESTIONS:
ONLINE ACCOUNT & CONTRACT QUESTIONS:
For guidance on decisions related to your financial goals, or assistance making selections in the Reallocation Tool please contact your independent insurance producer.
Contact our Service department for help accessing your online account or for questions regarding your contract. Available Monday through Friday, 8:30 a.m. to 6:00 p.m. Eastern Time.
CALL: 800-541-0171
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YOUR ONLINE ANNIVERSARY The online Reallocation Tool for Nassau Athos Annuity is a convenient way to manage your contract anniversaries anywhere you have a computer and internet access. Updates can only be submitted online via the Reallocation Tool. There are no paper service forms available. Assistance is always available via phone by contacting Nassau Service to make updates working with a Nassau representative.
Important Information Before You Begin: • •
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You can only submit your selections through the tool once per anniversary The process must be completed in one sitting; if you exit the tool before submitting, any changes you made will not be saved for a future visit While using the tool you can return to a previous screen and make adjustments using the back button Updates aren’t required and if you choose not to login during your Reallocation Period the default selections set on your most recent anniversary will take effect
Accessing the Reallocation Tool 1. Log into your online account on NFG.com 2. On the My Portfolio page, select the contract up for anniversary, you will be redirected to your Account Details page 3. On the Account Details page you will see an acknowledgment with a link to the Reallocation Tool:
NOTE: The link to ‘Review and Confirm Updates Now’ (outlined above) will appear on the first business day after your contract anniversary.
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WELCOME: START HERE 4. Select the Review and Confirm Updates Now link on your Account Details page, this will redirect you to the Reallocation Tool welcome screen (pictured below):
5. This Welcome Screen confirms the process as well as when your Reallocation Period will end to ensure timely submission. When you’re ready to get started, select the Start button and review the reminders before selecting Begin:
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STEP 1: CURRENT ANNIVERSARY On this first step in the Reallocation Tool you will review your extension selections for your current anniversary. This is your opportunity to review the account performance for your current segments and update your extension selections if desired. Changes made here will be applied at the end of your Reallocation Period.
1. Review Your Current Performance
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This first table details important information about your current account allocations such as: • Account: What accounts you are currently allocated in • Segment Start & End Date: How long you have consecutively been active in an account • Renewal Crediting Rate: Current renewal rates for each account • Default Extension Selection: Whether or not the segment will be extended or reset if you do not submit changes prior to the end of your Reallocation Period
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EXTENSION SELECTIONS 2. Determine If Updates Are Required Based on the review of your current segments and existing Default Extension Selections, designate if you’d like to make changes to your current account extension selections. Selecting YES means: You can change your existing account extension selection which will either Extend an existing segment or Reset (end) an existing segment • Selecting NO means: The Default Extension Selection identified in the summary (example in Step 1) table will take effect at the end of your Reallocation Period •
If you select YES you can use the drop-downs to update your Account Extension Selections. The table will update to reflect the associated rates and values based on your selection. Choosing an Extension Selection that matches your current default will prompt you to select NO above as no changes were made.
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STEP 2: RENEWAL ALLOCATIONS On this second step in the Reallocation Tool you will review how your account values are allocated across the accounts you choose to be active in. For eligible accounts, this is where you can update your allocations. On this page you can also update your Default Extension Selections for next year’s anniversary.
1. Review Your Current Allocations
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This first table details important information about your current account allocations such as: • • • • • • •
Account: What accounts you are currently allocated in Segment Start & End Date: How long you have consecutively been active in an account Crediting Rate: Current crediting rate and crediting rate type for each account Account Value: The value of your realized credits based on segment maturity Daily Account Value: The value of your account, including both realized index credits and unrealized index credits for the current segment Protected Account Value: The portion of the Daily Account Value protected against losses, and is equal to 90% of the highest Daily Account Value on any contract anniversary during the current segment Allocation Percentage: What percentage of your total contract value is currently allocated into each account
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& DEFAULT EXTENSION SELECTIONS 2. Determine If Updates Are Required On this page you have two decisions to make: 1. Would you like to update what accounts your are allocated in or the amount allocated in an account? 2. Would you like to update any of the Default Extension Selections you viewed in Step 1: Current Anniversary Extension Selections If the answer is YES to either of those questions, select YES to make updates.
TO UPDATE ALLOCATIONS
TO UPDATE DEFAULT EXTENSION SELECTIONS
Only accounts in Reset and the Fixed Account can be reallocated. Use the Reallocate From and the Reallocate To fields to allocate funds between accounts.
Use the Next Anniversary Default Extension Selection to update your segment extensions. These are what will take effect if you do not make changes during next year’s Reallocation Period.
NOTE: Allocating funds into a new account will require you to set a Default Extension Selection
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STEP 3: SUMMARY OF ACCOUNT On this third step in the Reallocation Tool you will review the selections you made from each step before they are submitted. As a reminder... From Step 1: Current Anniversary Extension Selections: •
Changes made here will be applied at the end of your current Reallocation Period and you will have the opportunity to update them again on your next anniversary
From Step 2: Renewal Allocations & Default Extension Selections: • •
Allocation changes made here will be applied at the end of your current Reallocation Period Default Extension Selection changes made here will be applied at the end of your next contract anniversary’s Reallocation Period if you do not submit updates
1. Review Your Submission
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Review what you are about to submit carefully. Remember, you can return to any of the previous screens to make updates by using the back button. You also have 15 days from your contract anniversary to submit your updates. If you have any questions regarding your submission you are encouraged to connect with your independent insurance producer first.
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2. Submit Your Updates After reviewing your updates, complete the form fields and select Submit to confirm your changes and complete the process. Once submitted, you will receive a success message to let you know that Nassau has received your selections.
Didn’t Submit Any Changes? If you selected No on both screens, meaning you did not update your segment extension selections, account allocations, or default extension selections, then you can return to the tool before the end of your Reallocation Period in the event you change your mind.
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A COPY FOR YOUR RECORDS Once you’ve completed the following steps and received the success message, you’ll have the option to email and download a copy for your records. Additionally, you can return to the tool at any time after submission, using the steps at the beginning of this guide, to review a summary of what was submitted.
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Step-by-Step Video:
Watch the step-by-step video for a visual tour of the Reallocation Tool and overview of the same process outlined in this guide.
Need Support? Contact our Service department for assistance with questions related to your Nassau Athos Annuity contract or support for the Reallocation Tool. Available Monday through Friday, 8:30 a.m. to 6:00 p.m. Eastern Time.
CALL: 800-541-0171
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IMPORTANT DISCLOSURES Nassau, its affiliated companies, and employees do not give fiduciary, legal or tax advice. 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 disclosures for a full description of features, benefits, and restrictions. Product features and availability may vary by age and state. Guarantees are based on the claims-paying ability of the issuing company. 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. Although index credits are never less than 0%, it is possible for charges to invade principal. Terminal illness and nursing home waivers are only available for issue ages 80 and below. Nursing home waiver not available in CA. 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, recovery of non-vested premium bonus, and market value adjustment. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. This annuity offers a Fixed Account and a variety of Indexed Accounts. The Fixed Account may earn a specified rate of interest of 1% or greater. The Indexed Accounts may or may not earn Index Credits. Index Credits are credited if the type of Index that the Indexed Account tracks performs in a manner described in the Indexed Account riders attached to your contract. Although Index Credits are awarded based on index performance, this annuity is not a security. You are not buying shares of any stock or investing in an index. You are purchasing an annuity, which is a type of insurance contract issued by an insurance company. You can use an annuity to save money for retirement and to receive retirement income for life. It is not meant to be used to meet short-term financial goals. 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, 25FIAN-XT, ICC25FIA-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 do 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 Nassau Athos Annuity is an insurance contract, not an investment; it doesn’t provide ownership of any stocks, bonds, index funds, or other securities. BPD42689 08-26 © 2026 Nassau