The Nationwide Lifetime Income Rider^®, available with certain Nationwide^® variable annuities at an additional cost, offers your clients 10% guaranteed growth.

It's the highest roll-up in the industry. And you can only get it from Nationwide.

Learn about the three steps for selling Nationwide L.Inc.

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Living benefit riders may not be available on all Nationwide variable annuities or in all states.

An annuity is a long-term, tax-deferred investment designed for retirement that will fluctuate in value. It allows your client to create a fixed or variable stream of income through a process called annuitization and also provides a variable rate of return based on the performance of the underlying investments.

But, as with most things in life, an annuity does have limitations. Distributions made before age 59½ may be subject to a 10% tax penalty; all taxable distributions at any age are subject to ordinary income tax and surrender charges may apply. Naturally, if your client takes an early withdrawal, the death benefit and cash value of the annuity contract will be reduced.

Your clients should also know that an annuity contains guarantees and protections that are subject to the issuing insurance company's ability to pay for them. But these guarantees don't apply to any variable accounts that are subject to investment risk, including possible loss of principal.

Variable annuities are sold by prospectus. The product prospectus and underlying fund prospectuses can be obtained by writing to Nationwide Life Insurance Company, P.O. Box 182021, Columbus, Ohio 43218-2021. Carefully consider the fund's investment objectives, charges and expenses. Prospectuses contain this and other important information - your clients should read them carefully before investing.

Nationwide variable annuities are issued by Nationwide Life Insurance Company, Columbus, Ohio. The general distributor is Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation.

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