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The general distributor is Nationwide Investment Services Corporation, member FINRA (in Michigan only: Nationwide Investment Svcs. Corporation). Annuities and life insurance policies issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

Investors should carefully consider the investment objectives, risks, charges and expenses of any variable insurance product or underlying fund before investing. This and other important information is contained in prospectus, which should be read carefully before investing. Product prospectuses are available from your investment professional or this Web site. Underlying fund prospectuses are available from the fund company.

NFW-1670AO.1