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.

Dynamic Advantage Program^® (DAP) rider

The DAP rider is an actively managed asset allocation service managed by Rydex Advisory Services, LLC (RAS)*. It is an optional feature available for an additional cost of 0.35% with America’s marketFLEX Annuity. You choose an investment model that is then actively managed and directed by a third-party investment advisor, to help mitigate risk in strong, weak, or flat markets.

Please keep in mind that diversification and asset allocation as part of an overall investment strategy do not assure a profit or protect against loss in a declining market. RAS, Rydex Investments and the managers are not responsible for determining suitability for the DAP for any investor. Investors should ultimately rely on their own judgment or the judgment of their financial advisor in making suitability determinations.

For a more detailed explanation of this service, read the client brochure and the asset allocation guide.

*RAS is not a subsidiary of or affiliated with Nationwide Mutual Insurance Company.Nationwide does not endorse or guarantee any independent third party investment advisor (TPIA), investment model or strategy used by the contract owner. Nationwide is not affiliated with any TPIA that may be authorized by the contract owners to direct allocations.

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.

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. 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.

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