Retirement Conversations: Savings

Retirement Conversations –

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

Supplementing Savings for Retirement BUILDING AND SUSTAINING SAVINGS BEFORE AND AFTER RETIREMENT Growing your savings before retirement is different than after as there is a longer term focus and more time to recover from market volatility. During retirement, market downturns can have a greater impact.

Since income is being withdrawn from your portfolio regularly, there is less time to recover f rom market losses.

More than half of Americans (55%) are concerned they cannot achieve financial security in retirement.1

PLANNING PRIORITIES:

A retirement strategy that helps protect growth and includes income and savings options can help diversify your savings and help you: •

Minimize the risk of market downturns, especially in the early years of retirement

•

Participate in market upside

•

Catch up on retirement savings shortfalls

Consider this:

•

Potential for growth in your portfolio

If you’re looking to accumulate savings and build a strong base for the future, Nassau offers accumulation-focused annuities that can help provide:

•

Options for a guaranteed up front bonus to boost your savings2

•

Liquidity options for flexible access to your money3

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. National Institute On Retirement Security, “Retirement Insecurity 2024: Americans’ Views of Retirement conducted by Greenwald Research,” February 2024.

2. Premium bonus and associated earnings are subject to a vesting schedule and not available for immediate withdrawal.

3. Withdrawals in excess of the Free Withdrawal Amount may incur charges, penalties and adjustments. See Product Disclosures for additional details.

For use by insurance producers with the general public.

WORKING HARDER TO BE YOUR CARRIER OF CHOICE OUR CORE VALUES We are supercharging our legacy

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We are committed to our customers

Day in and day out, we work hard to be your carrier of choice

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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