This material is intended for general use with the public and is not meant to provide any
individualized tax, investment or financial planning advice. We encourage you to consult with a
financial professional who can tailor a financial plan to meet your needs.
Product features, rider options and availability may vary by state. Income payments and
guarantees are based on the claims-paying ability of the issuing company. Annuities
are NOT FDIC Insured and there is NO Bank or Credit Union Guarantee.
Annuities are a type of insurance contract issued by an insurance company. Annuities are long-term products particularly suitable for retirement assets. While you can use annuities
to help save money for retirement and to receive retirement income for life, they 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. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. Interest rates, participation rates, caps and strategy
fees are subject to change. Annuities are subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract.
This material is provided 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 MA, ME, MN and NY, but that is subject to change. Nassau Life and Annuity Company is a subsidiary of Nassau Financial Group.