Fixed Annuities

Fixed annuities are a popular choice among individuals who want a guaranteed interest rate and a stream of income that they can't outlive.

Fixed annuity features

• Tax deferral on earnings
• Minimal risk exposure
• Access to your money (withdrawals made before age 59½ are generally subject to a 10% federal income tax penalty, and a contingent deferred sales charge, CDSC, may apply)
• Death benefits for your beneficiaries

For additional details about fixed annuities, read the 5-minute guide to fixed annuities (PDF).

Deferred fixed annuity products

Product features and availability vary by state

Please keep in mind that annuities have limitations. They are long term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses, or to fund short-term savings goals.

Next steps

Be sure to talk to your investment professional about how a fixed annuity may fit into your individual retirement plan.

Guarantees are subject to the claims paying ability of Nationwide Life Insurance Company.

Not a deposit • Not FDIC or NCUSIF insured• Not guaranteed by the institution • Not insured by any federal government agency • May lose value

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