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Spousal Protection Feature

Nationwide Financial offers one of the only spousal protection features on variable annuities with IRA and non-IRA contracts that benefits both spouses.

The Spousal Protection Feature (SPF) helps your client and their spouse provide for each other no matter who dies first and no matter which spouse owns the contract.


This feature may be standard with no charge or optional for an additional cost on Nationwide variable annuities. Please see the product prospectus for details.

How it works

With SPF, the contract value will be the higher of the death benefit or market value and the surviving spouse can choose to:

  • Take the death benefit and walk away without a surrender charge, or
  • Continue the contract as the owner and name a new beneficiary and will realize no current income tax consequences related to the transfer of ownership 

Get started

Read more details in the client brochure. For more information contact the National Sales Desk at 1-800-321-6064.