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Withdrawals exceeding the annual 10% free withdrawal amount, or a full surrender during the guarantee period, are subject to surrender charges and may also incur a Market Value Adjustment (MVA), except where waiver provisions apply. Surrender charges generally decline each contract year and reach 0% at the end of the guarantee period. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window.

None. No optional riders are available. Nursing home and terminal illness provisions are included as contract waivers, subject to state approval and contract conditions.

None. No annual maintenance, contract, or policy fees.

Death Benefit: If the owner dies before annuitization, beneficiaries receive the full contract value in a lump sum, unaffected by surrender charges or any Market Value Adjustment (MVA).

 Waives surrender charges and any applicable Market Value Adjustment (MVA) if the owner is admitted to a licensed nursing home, subject to state approval and contract conditions.

 Waives surrender charges and any applicable Market Value Adjustment (MVA) if the owner is diagnosed with a terminal illness expected to result in death within six months (24 months in Massachusetts), subject to state approval and contract conditions.

 are available without surrender charges or Market Value Adjustment (MVA). Withdrawals exceeding the free withdrawal amount, or full surrender during the guarantee period, may be subject to surrender charges and may also incur an MVA, except where waiver provisions apply.

Available for both qualified and non-qualified funds.

MYAnnuity® 5X/7X (California) is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the full duration of the selected 5-year or 7-year guarantee period. The owner makes a one-time premium payment and the interest rate is locked at issue, providing predictable, tax-deferred growth without exposure to market volatility. This version includes annual free withdrawals of up to 10% of the contract value without surrender charges or Market Value Adjustment (MVA). Withdrawals exceeding the free withdrawal amount, or a full surrender during the guarantee period, may be subject to surrender charges and may also incur an MVA, except where waiver provisions apply. At the end of the guarantee period, the contract enters a renewal window that allows renewal, term change (if available), or surrender without surrender charges or MVA.

At the end of the guarantee period, the contract enters a 30-day renewal window during which the owner may surrender the contract without surrender charges or MVA, renew for the same guarantee period if available, or renew for a different available guarantee period. If no election is made during this window, the contract renews automatically for the same guarantee period or the nearest available term at the declared renewal rate.

The surrender value equals the contract value minus any applicable surrender charges and any applicable Market Value Adjustment (MVA), but not less than the minimum nonforfeiture benefit required by applicable nonforfeiture law.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed to provide fixed, tax-deferred growth with a guaranteed interest rate for either a 5-year or 7-year guarantee period. 

 includes an annual liquidity feature that allows limited access during the guarantee period while maintaining predictable, guaranteed accumulation. It is designed for conservative savers who want long-term guaranteed growth but still want annual access to a portion of the contract value.

If the owner dies before annuitization, beneficiaries receive the full contract value in a lump sum, unaffected by surrender charges or any Market Value Adjustment (MVA).

Surrender charges are waived if the owner is admitted into a licensed nursing home (subject to state approval and contract conditions).

 Surrender charges are waived if the owner is diagnosed with a terminal illness expected to result in death within six months (24 months in MA), subject to state approval and contract conditions.

Annual free withdrawals of up to 10% of the contract value are available without surrender charges or Market Value Adjustment (MVA). Withdrawals exceeding the free withdrawal amount, or full surrender during the guarantee period, may be subject to surrender charges and may also incur an MVA, except where waiver provisions apply.

MYAnnuity® 5X/7X is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the full duration of the selected 5-year or 7-year guarantee period. The owner makes a one-time premium payment and the interest rate is locked at issue, providing predictable, tax-deferred growth without exposure to market volatility. This 0% Free version is issued with no free withdrawal provision, allowing the contract to credit higher guaranteed interest rates in exchange for limited liquidity during the guarantee period. At the end of the guarantee period, the contract enters a renewal window that allows renewal, term change (if available), or surrender without surrender charges or Market Value Adjustment (MVA).

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed to provide fixed, tax-deferred growth with a guaranteed interest rate for either a 5-year or 7-year guarantee period. This version includes an 

, allowing limited liquidity during the guarantee period while maintaining predictable, guaranteed accumulation for conservative long-term planning.

Withdrawals or full surrender during the guarantee period are subject to surrender charges and may also incur a Market Value Adjustment (MVA), except where waiver provisions apply. Surrender charges generally decline each contract year and reach 0% at the end of the guarantee period. All funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window.

This version of the contract is issued with no free withdrawal provision. Any withdrawals or full surrender during the guarantee period are subject to applicable surrender charges and may also incur a Market Value Adjustment (MVA), except where waiver provisions apply.

MYAnnuity® 5X/7X (California) is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the full duration of the selected 5-year or 7-year guarantee period. The owner makes a one-time premium payment and the interest rate is locked at issue, providing predictable, tax-deferred growth without exposure to market volatility. Because this version has no free withdrawal provision, withdrawals during the guarantee period are generally subject to surrender charges and may also incur a Market Value Adjustment (MVA), except where waiver provisions apply. At the end of the guarantee period, the contract enters a renewal window that allows renewal, term change (if available), or surrender without surrender charges or MVA.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) designed to provide fixed, tax-deferred growth with a guaranteed interest rate for either a 5-year or 7-year guarantee period. This

 0% Free version is issued with no free withdrawal provision

, allowing the contract to credit higher guaranteed interest rates for clients who intend to hold funds for the full guarantee period. It is designed for conservative accumulation where maximum guaranteed yield is the primary goal.

None. This contract is issued with no free withdrawal provision in exchange for a higher guaranteed interest rate. Withdrawals or full surrender during the guarantee period are subject to surrender charges and may also incur a Market Value Adjustment (MVA), except where waiver provisions apply.

At the end of the guarantee period, the contract enters a 30-day window during which the owner may surrender without surrender charges and without MVA, renew for the same term if available, or renew for a different available term. If no action is taken, the contract renews automatically for the same guarantee period or nearest available term, and the renewal rate is declared in advance.

The surrender value equals the contract value minus any applicable surrender charges and any applicable Market Value Adjustment (MVA), but not less than the minimum nonforfeiture benefit required by applicable nonforfeiture law, including any MVA floor protections described in the contract.

This version is issued with no free withdrawal provision

, allowing the contract to offer higher credited interest rates for clients who intend to hold funds for the full guarantee period. By eliminating annual liquidity during the term, 

 is best suited for long-term accumulation objectives where maximum guaranteed yield is the primary goal.

Withdrawals exceeding the 5% annual free-withdrawal limit, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline each year until reaching 0% at the end of the term, and all funds become fully penalty-free at the end of the guarantee period or during the 30-day renewal window.

Waivers are described as benefits subject to conditions/state approval.

If an owner dies before annuitization, beneficiaries receive the full contract value. Death benefit proceeds are paid without surrender charges or MVA.

May waive surrender charges (and associated adjustments) upon qualifying nursing home confinement, subject to contract provisions and state approval.

 May waive surrender charges (and associated adjustments) upon qualifying terminal illness, subject to contract provisions and state approval.

The California version provides a 5% annual free withdrawal amount. Withdrawals up to the free withdrawal amount are not subject to surrender charges or MVA. Withdrawals above the free amount, or full surrender during the guarantee period, may be subject to surrender charges and may also incur an MVA.

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, the contract enters a 30-day renewal window during which the owner may surrender any amount without surrender charges or MVA, renew for the same guarantee period (if available), or renew into a different available guarantee period. If no election is made during this window, the contract renews automatically for the same guarantee period (or nearest available term) at the declared renewal rate.

The surrender value equals the contract value minus any applicable surrender charges and MVA. (MVA may increase or decrease the amount received, depending on interest rate conditions at the time of withdrawal or surrender.)

 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.

Withdrawals exceeding the annual free-withdrawal amount, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline by contract year until reaching 0% after the schedule ends, and the contract provides a penalty-free opportunity during the 30-day window at the end of the guarantee period.

If the owner dies before annuitization, beneficiaries receive the 

, not reduced by surrender charges or MVA.

The contract includes waivers that may allow qualifying withdrawals without surrender charges and MVA, including a 

 waiver, subject to contract provisions and state availability.

Owners may take annual withdrawals up to the

 without surrender charges or MVA; withdrawals above that amount during the surrender period may be subject to surrender charges and MVA.

Simple Annuity is a Single Premium Deferred Annuity (SPDA) that credits a fixed interest rate for the full duration of the selected 4- or 6-year guarantee period. The owner makes a one-time premium payment and interest grows tax-deferred. The contract includes a 5% Free Withdrawal Amount, and withdrawals above the free amount during the surrender-charge period may be subject to surrender charges and a Market Value Adjustment (MVA). At the end of the guarantee period, the contract includes a 30-day window allowing surrender/transfer/renewal without surrender charges or MVA.

At the end of the selected guarantee period, the contract enters a 

 during which the owner may renew (if available), surrender, or transfer without surrender charges or MVA; if no election is made, renewal occurs under contract terms at then-current declared rates.

The surrender value equals the contract value minus any applicable surrender charges and MVA, subject to minimum nonforfeiture requirements.

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by 

 that provides fixed, tax-deferred interest growth and principal protection across 

guarantee periods. It is designed for conservative savers seeking predictable accumulation with contractually guaranteed rates insulated from market volatility, along with limited liquidity through an available annual free withdrawal feature.   

Nassau Life – MYAnnuity 5X/7X (California) – 10% Free Withdrawal

Nassau Life – MYAnnuity 5X/7X (10% Free Withdrawal)

Nassau Life – MYAnnuity 5X/7X (California) – 0% Free Withdrawal

Nassau Life – MYAnnuity 5X/7X (0% Free Withdrawal)

Nassau – Simple Annuity (California)

Nassau Life – Simple Annuity