Nassau Athos AnnuitySM
Nassau Athos Annuity is an accumulation-focused fixed indexed annuity. It offers strong growth potential through index accounts that can be extended to capture multi-year market upside while providing powerful protection, flexibility and control over your retirement savings. Contact your insurance producer for more details.
Powerful Flexibility
- Athos offers index account options that can be extended from one- to multi-year strategies annually
- An annual 7% free withdrawal after the first contract year provides flexible access to funds1
Valuable Protection & Control
- A unique "high water mark" feature helps safeguard 90% of the highest anniversary Daily Account Value, which is the account value including both realized and unrealized index account credits, over the segment. This provides valuable protection while putting your full Account Value to work.2
Innovative Growth Potential
- A guaranteed, upfront premium bonus between 8 and 12%, depending on your age and state, starts the climb strong3
- Extended index accounts may offer stronger long-term upside potential4
- Withdrawals during the first contract year and withdrawals above the free withdrawal amount after the first contract year may be subject to surrender charges, market value adjustment, and recovery of non-vested premium bonus.
- If the associated index decreases, there is a risk of losing index credits on the remaining 10% that otherwise might have been applied if the account was reset. Contact your insurance producer or see the Indexed Annuity Product Disclosure for more information.
- Bonus is not available for immediate withdrawal and the bonus amount and associated earnings are subject to a vesting schedule. The bonus amount and vesting rate may vary by age and state. The product is not intended to meet short-term financial goals.
- Rates for extended segments may be greater than, less than, or equal to the rate set at each previous contract anniversary, or the rate that would apply if the account is reset. Growth is not guaranteed.
Important Disclosures
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 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. We may change, add or eliminate indexed accounts.
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.
The S&P 500® and S&P 500® Dynamic Intraday TCA Index (the “Indices”) are a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and have been licensed for use by Nassau Life and Annuity Company (“Nassau”). S&P®, S&P 500®, US 500®, The 500®, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). Nassau’s annuity products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Indices.
Nasdaq®, Nasdaq-100 Volatility Control 15%™, XNDX15E™, Nasdaq-100® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Nassau Life and Annuity Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
Nassau Athos Annuity (25FIA-XT, ICC25FIA-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 NCUAA 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.
BPD42184
06-25