Retirement Conversations: Longevity

Retirement Conversations –

Concerns About Outliving Your Money

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

RESPONSIBILITY FOR RETIREMENT PLANNING HAS SHIFTED TO INDIVIDUALS An important retirement planning priority is ensuring you have enough money to last as long as you do, including sources of guaranteed income. Consider that:

Only 48% of pre-retirees expect to receive enough income f rom Social Security, employer pensions, and/or lifetime guaranteed annuities to cover their basic living expenses in retirement.1 You also may want to plan for your income to last over a longer time horizon. Did you know nearly three quarters of those aged 65 might live at least another 15 years, and 15% might live another 30 years?2

PERHAPS YOU ARE WONDERING:

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How much should I withdraw from my retirement savings for income?

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How can I help protect my savings from market downturns as I withdraw income?

PLANNING PRIORITIES:

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Diversifying a portion of your savings into an annuity that provides guarantees and helps protect your principal

Consider this:

•

Guaranteed lifetime income with principal protection features

Look to Nassau Annuities for options that can be tailored to suit your specific income goals, including:

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Income-enhancing features to help make the most of your money

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Flexibility to receive income early or at a later date

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Potentially maximizing Social Security benefits and total retirement income3

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, restrictions and other conditions that may apply. View the contract and rider disclosures for complete details, conditions and exclusions.

1. “2024 Retirement Investors: Behaviors, Attitudes, and Financial Situations,” LIMRA, 2025 2. American Academy of Actuaries and Society of Actuaries, Actuaries Longevity Illustrator. Based on reaching age 65 in the year 2024; assumes non-smokers and average health.

3. Nassau is NOT connected with, recommended, or endorsed by any governmental program, agency, or entity, including the Social Security Administration.

For use by insurance producers with the general public.

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NASSAU ANNUITIES: Designed for Retirement • Nassau Bonus Annuity PlusSM • 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®

FAMILY

• 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), and Nassau Personal Protection Choice (19FIA, ICC19EIAN, 19RN, 19GLWB2, 19GMDBS.1, 19EWB, ICC19GLWB2.1, ICC20EWB.1, 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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