Nassau Athos AnnuitySM
Nassau Athos Annuity is an accumulation-focused fixed indexed annuity with a premium bonus option. 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 Growth Potential with Protection
The index accounts available with Athos can be extended annually for stronger long-term growth potential compared to traditional strategies.1
To help premium climb with safety, Athos safeguards 90% of the highest anniversary Daily Account Value over the segment. This provides valuable protection while putting your full Account Value to work.2
Premium Bonus Option
With Athos, you can start the climb strong with a guaranteed premium boost between 10% and 16%.3 This option may trade some future upside potential in exchange for guaranteed, upfront accumulation.
Powerful Flexibility
You can choose to either reset or extend each indexed account on each contract anniversary based on your goals and objectives.
Additionally, an annual 7% free withdrawal after the first contract year provides flexible access to funds should your needs change.4
- 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.
- 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.
- Premium bonus option must be selected at the time of application. 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.
- 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.
Important Disclosures
Not intended for residents of Idaho and Illinois.
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 age and 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. Nassau may change, add or eliminate indexed accounts. Although index credits are never less than 0%, it is possible for charges to invade principal. Terminal illness and nursing home waivers are only available for issue ages 80 and below. Nursing home waiver not available in CA.
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.
Nassau Athos Annuity (25FIA-XT, 25FIAN-XT, ICC25FIA-XT, ICC25FIAN-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 NCUA 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.
BPD42184a
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