Riders and Programs for Annuities
How do you make an annuity fit your needs like a glove?
You add on something extra — like an optional rider or program. These options offer additional coverage and protection on selected annuities and may have an additional charge.
Extra Value rider
Our Extra Value rider is available in 3% and 4% options. You choose the option that fits you, and each purchase payment you make in the first year will receive a credit of 3% or 4% depending on the option chosen.
| Extra Value | Cost |
| 3.0% | 0.30% |
| 4.0% | 0.40% |
Your selection of the Extra Value rider cannot be revoked. Withdrawals during the seven-year period you pay for this rider may result in a recapture of a portion of the credit. The long-term potential advantage of this benefit will vary with the performance of the investment choices made at purchase, as well as how long the contract is held. The breakeven point may vary depending on any withdrawals or on additional purchase payments made after the first contract year. Please consider your needs carefully when evaluating this rider.
The Extra Value rider cannot be selected when assets are to be allocated in the fixed account.
Annuities are issued by Nationwide Life Insurance Company, or Nationwide Life and Annuity Insurance Company, Columbus, OH. Riders and options may not be available in all states. In New York, the features and costs may be different. Ask your Investment professional for details. Protections and guarantees are subject to the claims-paying ability of the issuing company. They do not apply to the investment performance or safety of the underlying investment options.
