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.

Spousal Protection rider

This rider allows spouses to be joint annuitants on a contract. If one spouse dies, the surviving spouse can either receive the death benefit and cash out the annuity, or keep the annuity after Nationwide has adjusted the contract amount to the death benefit amount. There is an additional cost for this rider. All death benefits will be adjusted for previous withdrawals. Please see prospectus for adjustments and limitations.

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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