Personal Retirement ChoiceSM

Nassau Personal Retirement ChoiceSM

Put your retirement savings to work for your future.

Nassau Personal Retirement Choice is designed as a long-term retirement planning vehicle to help you make the most of your hard-earned savings and create a secure financial future. This product has one fixed account and 10 indexed accounts with index credits linked to the positive performance of the S&P 500® and the CS Tactical Multi Asset™ Indices. Designed for individuals who seek to benefit from the upside potential of the equity markets without risking loss of principal due to market downturns.

Its accumulation features include:

  • A Premium Bonus at issue and potential for growth with positive market performance, and protection from downturns. The premium bonus may also vary based on if the optional Income Benefit is purchased. The product includes a 7% Free Withdrawal for the life of the contract and a competitive 12-year surrender charge schedule in most states.
  • An optional Guaranteed Lifetime Income Benefit rider (Income Benefit) is also available that guarantees income payments every year for life once the rider is exercised, provided certain conditions are met. There is an additional fee associated with this rider. The amount of the bonus and product availability varies based on the state of issue.

Product Disclosure

Rider Disclosure Document

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Important Disclosures

An investment in the contract is 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. All guarantees are subject to the claims paying ability of PHL Variable Insurance Company.

Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% tax penalty may also apply.

S&P 500® is a registered trademark licensed for use by SPDJI and sublicensed for certain purposes by Nassau. The 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 products nor do they have any liability for any errors, omissions, or interruptions of the represented index(s).

The CS Tactical Multi Asset Index™ is sponsored and published by Credit Suisse. Nassau has entered into an exclusive license agreement with Credit Suisse providing for the right to use the CS Tactical Multi Asset Index and related trademarks in connection with Nassau indexed annuities. The annuities are not sponsored, endorsed, sold or promoted by Credit Suisse. Credit Suisse makes no representation or warranty, express or implied, regarding the advisability of investing in the annuities, and has no obligation or liability in connection with the administration, marketing or sale of Nassau annuities.

The information above, including the Product Disclosure and the Rider Disclosure Document is intended for use by the general public and is not individualized to address any specific investment objective. It is not intended as investment or financial advice. We encourage you to consult with an advisor who can tailor a financial plan to meet your needs.

Nassau Personal Retirement Choice is an insurance contract, not an investment; it doesn’t provide ownership of any stocks, bonds, index funds, or any other securities.