You have a few years before you retire. And you're planning ahead.
Nationwide Destination EV 2.0 may be able to help. It's a variable annuity that offers a solid approach for today with time to build for tomorrow. Once you're in retirement you can take income from your balance (called annuitization), and if you should pass away unexpectedly before annuitization occurs, a death benefit will be paid to your beneficiary. Keep in mind that if you take withdrawals before you're 59½, you may have to pay a 10% tax penalty in addition to ordinary income taxes. Early withdrawals may be subject to ordinary income taxes. They may trigger early surrender charges and reduce your death benefit and cash value.
Destination EV 2.0 has optional riders that you can add for an extra cost. These riders can help you ensure that your annuity has the features that are important to you.