Riders and Programs for Annuities

How do you make an annuity fit your needs like a glove?

You add on something extra — like an optional rider or program. These options offer additional coverage and protection on selected annuities and may have an additional charge.

America’s INCOME Annuity Income Foundation^® Rider (AIA)

America’s INCOME Annuity Income Foundation^® Rider (AIA) offers income protection on your immediate variable annuity for a cost of 1.00% of daily net assets of the variable account. Your payments won’t fall below a guaranteed floor amount, regardless of market performance.

Election of this rider is irrevocable. The rider gives you a choice between two guaranteed variable annuity payment (GVAP) options: an 85% level floor or a 75% step-up floor. Once the GVAP option is chosen, it cannot be changed. There are limitations on the investment options available when choosing this rider. Please refer to the prospectus for specific details and limitations of this rider.

Protections and guarantees are subject to the claims-paying ability of the issuing company.

Annuities are issued by Nationwide Life Insurance Company, or Nationwide Life and Annuity Insurance Company, Columbus, OH. Riders and options may not be available in all states. Protections and guarantees are subject to the claims-paying ability of the issuing company. They do not apply to the investment performance or safety of the underlying investment options.

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