Important Disclosures

This material is intended for use with the general public and is not meant to provide any individualized tax or financial planning advice. Nassau does not provide tax, financial or investment advice, or act as a fiduciary in the sale or service of its products. We encourage you to consult with a tax and financial professional who can tailor a financial plan to meet your needs. Nassau and its affiliates have a financial interest in the sale of their products.

These videos are for general educational purposes only and should not be relied upon for making any purchasing decisions. The information in these videos is not related to a particular annuity contract. Please refer to the applicable product disclosure and contract for specific product information, including limitations, exclusions and charges.

Product features and availability may vary by state. Payments and guarantees are based on the claims-paying ability of the issuing company. Annuities are long-term products particularly suitable for retirement assets. Annuities held within qualified plans do not provide any additional tax benefit. Early withdrawals may be subject to surrender charges and a market value adjustment. Withdrawals are subject to ordinary income tax, and if taken prior to age 591/2, a 10% IRS penalty may also apply.

Products offering a premium bonus may offer less favorable credited interest rates, participation, and cap rates than products not offering a bonus. Over time, the amount of the bonus may be more than offset by these less favorable rates. Premium bonuses are generally subject to a vesting schedule and are not available for immediate withdrawal. The amount of the premium bonus may vary by age and state. Interest rates, participation rates, caps and strategy fees are subject to change.

Nassau single premium deferred fixed indexed annuities and multi-year guaranteed 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." In New York, multi-year guaranteed 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 for its own financial condition and contractual obligations.

Insurance Products: Not FDIC or NCUAA Insured, No Bank or Credit Union Guarantee.