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Nationwide Destination^SM L Annuity

Eventually, you're going to stop working. But that won't keep the bills from rolling in. Have you thought about how you're going to maintain your income in retirement?

Nationwide Destination L may be able to help. It's a variable annuity that can help you accumulate assets for retirement. Once you're in retirement you can take income from your balance, 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 L 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.

Want to learn more?

• Key Facts (PDF)
• Prospectus (PDF)
• Fees and charges
• Riders and options

More about funds

• Fund list
• Performance (PDF)
• How to choose funds

Guarantees and protections are subject to Nationwide's claims-paying ability. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.

Annuities are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

Nationwide Destination is a service mark of Nationwide Mutual Insurance Company.

Contract/certificate: VAC-0108AO, VAC-0108OR, VAR-0112AO, VAR-0112OR, VAR-0108AO, VAR-0108OR, VAR-0113AO, VAR-0113OR, APO-6284, APO-5409-37, APO-5409
Oklahoma Contract/certificate: VAC-0108OK, VAR-0112AO, VAR-0108AO, VAR-0113AO, APO-6284, APO-5409

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