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Withdrawals above the free withdrawal amount during the guarantee period may incur surrender charges and a Market Value Adjustment (MVA). The surrender charge schedule is as follows: For the 5-year plan: 9%, 8%, 7%, 6%, 5%, 0%, 0% For the 7-year plan: 9%, 8%, 7%, 6%, 5%, 4%, 3% Surrender charges and MVA are waived upon the contract owner’s death, annuitization after the first year, or qualifying nursing home or terminal illness waiver. A 30-day window at the end of the term allows full surrender without charges or MVA.

Payable on death of any owner. Death benefit is equal to contract value (no surrender charges or MVA will apply). Death benefit proceeds are paid directly to named living beneficiaries and may not be subject to the probate process.

Terminal illness waiver: Surrender charges will also be waived if owner is diagnosed with a terminal illness expected to result in death within 12 months. Waiver is subject to certain conditions.

Annual free withdrawals up to 10% are available (if elected at issue) without a surrender charge or market value adjustment (MVA) applied.

This annuity offers a guaranteed interest rate for the selected term, a choice of free withdrawal amount (0% or 10%), a death benefit equal to the contract value with no MVA or surrender charges, and annuitization options after the first year. After the guarantee period ends, the owner has a 30-day window to renew, surrender, or select another available term. A market value adjustment (MVA) applies to withdrawals or surrenders made before the term ends.

At the end of the guarantee period, you have a 30-day window to:

Rates for the new term are declared in advance. Future guarantee period rates will never be less than the minimum guaranteed rate of 1%.

The surrender value may be reduced by surrender charges and Market Value Adjustment (MVA), but cannot fall below 87.5% of premium accumulated at the Total Guaranteed Value (TGV) Interest Rate reduced for net withdrawals.

 is a single-premium multi-year guarantee annuity issued by Nassau Life and Annuity Insurance Company. It allows individuals to lock in a fixed interest rate for either 5 or 7 years, with optional annual free withdrawals up to 10%, depending on the initial election. This annuity is designed for those seeking predictable growth and protection of their premium, especially suited for retirement-focused investors. Payments and guarantees are based on the claims-paying ability of the issuing company.

Death benefit is equal to contract value. No surrender charges or MVA apply. Proceeds are paid directly to named living beneficiaries and may bypass probate.

Nursing home and terminal illness waivers. Surrender charges are waived if the owner is admitted into a licensed nursing home or diagnosed with a terminal illness expected to result in death within six months. Not available in all states.

Annual free withdrawals up to 10% are available (if elected at issue) without a surrender charge or market value adjustment (MVA). Required Minimum Distributions (RMDs) are also allowed free of charge after the first calendar year.

The policy accepts only a single premium payment between $10,000 and $1,000,000, with no additional contributions allowed. It offers guaranteed interest rates based on the duration of the selected term and withdrawal election. After the guarantee period ends, clients may surrender, renew with the same or different term, or allow automatic renewal. Withdrawals are allowed under certain conditions, and death benefits are paid to beneficiaries without surrender charges or market value adjustments.

If no action is taken, contract renews automatically for the same or closest available term.

Includes waiver of surrender charges upon death, annuitization after the first year, nursing home or terminal illness. Market Value Adjustment (MVA) may apply. Withdrawals may be subject to a surrender charge and MVA if above free amount.

 is a single-premium multi-year guarantee annuity issued by Nassau Life and Annuity Company. It is designed to help clients accumulate assets on a tax-deferred basis with guaranteed interest rates over either a 5-year or 7-year term. This annuity is best suited for individuals seeking stability and predictable growth in their retirement portfolio

For California contracts, surrender charges apply to withdrawals exceeding the 5% annual free limit during the guarantee period. Charges begin at 7.8% in year 1 and gradually decrease based on the selected guarantee period. The 4-year option reduces to 0% by year 5; the 6-year reduces to 0% by year 7. Surrender charges and MVA are waived upon the owner’s death, annuitization after the first year, or in the event of terminal illness (subject to conditions and age limits). A 30-day penalty-free window follows the end of each guarantee period for full or partial withdrawal without charges.

For California contracts, surrender charges apply to withdrawals exceeding the 5% annual free limit during the guarantee period. Charges begin at 7.8% in year 1 and gradually decrease based on the selected guarantee period. The 4-year option reduces to 0% by year 5; the 6-year reduces to 0% by year 7. Surrender charges and MVA are waived upon the owner’s death, annuitization after the first year, or in the event of terminal illness (subject to conditions and age limits). A 30-day penalty-free window follows the end of each guarantee period for full or partial withdrawal without charges..

Payable on death of any owner. Death benefit is equal to contract value (no surrender charges or MVA will apply). Proceeds are paid directly to named living beneficiaries and may bypass probate.

Terminal illness waiver: surrender charges will be waived if the owner is diagnosed with a terminal illness expected to result in death within 12 months. Waiver is available only for issue ages 80 and below. Proof of claim may be required.

Annual free withdrawals up to 5% are available without a surrender charge or market value adjustment (MVA) applied.

This California version of the Nassau Simple Annuity requires a one-time premium payment and offers a fixed interest rate guaranteed for either 4 or 6 years. During the guarantee period, policyholders can access limited penalty-free withdrawals and are eligible for favorable treatment of Required Minimum Distributions. At term end, owners may choose to withdraw, renew, or select a new guarantee period. Upon the owner’s death, beneficiaries receive the contract value without penalties. The policy includes a terminal illness waiver and has clearly defined surrender charges and a minimum guaranteed rate, specifically applicable to contracts issued in California.

At the end of the guarantee period, California contract holders may choose to: 1) surrender any amount without penalty, 2) renew for the same duration (if available), or 3) select a different term. If no action is taken, the contract automatically renews to the same or nearest available term. New interest rates apply and are declared in advance. The minimum guaranteed interest rate for future terms is 1%.

Surrender value is subject to applicable charges and MVA unless within free withdrawal limits or qualifying under waiver provisions. The minimum value upon surrender will not be less than 87.5% of the premium accumulated at the Total Guaranteed Value (TGV) Interest Rate, reduced for net withdrawals.

The Nassau Simple Annuity for California is a single-premium, multi-year guaranteed annuity issued by Nassau Life and Annuity Insurance Company. Designed for individuals seeking predictable growth and principal protection, it provides guaranteed interest rates locked in for fixed terms of 4 or 6 years. The product offers annual free withdrawals, multiple annuity payment options, and a death benefit without surrender charges. Tailored for conservative investors and retirement savings, this California-specific version emphasizes stability and guaranteed returns with no ongoing premium obligations.

Surrender charges apply for early withdrawals exceeding the free 5% annual amount during the guarantee period. For the 4-year option, charges start at 9% and decrease each year to 6% by year 4, then 0%. For the 6-year option, charges start at 9% and reduce to 4% by year 6, then 0% in year 7. These charges are waived in the event of the contract owner’s death, annuitization after year one, or qualifying nursing home or terminal illness cases. During the 30-day window following the guarantee period, withdrawals are free of surrender charges and MVA.

Equal to the contract value. No surrender charges or MVA apply. Proceeds are paid directly to named beneficiaries.

Nursing home and terminal illness waiver – surrender charges waived if owner is admitted to a licensed nursing home or diagnosed with a terminal illness expected to result in death within six months (subject to conditions and state approval).

nnual free withdrawals up to 5% are available without surrender charge or MVA.

The policy allows a one-time premium contribution ranging from $5,000 to $1,000,000, with interest rates guaranteed for the full term selected. Contract holders can choose between 4- or 6-year durations, and at maturity, have a 30-day window to renew, modify, or withdraw funds without penalty. Withdrawals beyond annual limits may incur surrender charges and a market value adjustment (MVA). The policy offers several annuitization options after the first year and pays the full contract value to beneficiaries upon the owner’s death without applying surrender charges or MVA.

After the guarantee period, contract holders have 30 days to:

May include a Market Value Adjustment. Minimum surrender value cannot be less than 87.5% of premium accumulated at the Total Guaranteed Value (TGV) Interest Rate, reduced by net withdrawals. TGV Interest Rate is between 1.0% and 3.0%.

Nassau Simple Annuity is a single-premium, multi-year guaranteed annuity (MYGA) designed to provide a predictable return over a selected term of 4 or 6 years. With competitive guaranteed interest rates, a simple contract structure, and penalty-free withdrawal options, the product is targeted at individuals seeking stability, modest growth, and principal protection within their retirement strategy. It includes features such as free withdrawals up to 5%, terminal illness and nursing home waivers, and a guaranteed minimum interest rate, making it a conservative yet flexible choice for long-term savings.

Nassau MYAnnuity® 5X/7X (California)-(without free withdrawals)

Nassau MYAnnuity® 5X/7X (without free withdrawals)

Nassau Simple Annuity (California)

Nassau Simple Annuity