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Variable annuity with guaranteed minimum withdrawal benefit (VA + GMWB). Nationwide L.inc is available with certain Nationwide^® variable annuities for an additional cost (0.70% assessed annually on income benefit base). It may not be available in all states.

An annuity is a long-term, tax-deferred investment designed for retirement that will fluctuate in value. It allows you 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 you do take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced.

You 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 your 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, risks, charges and expenses. Prospectuses contain this and other important information - your clients should read them carefully before investing.

Ibbotson Associates, Inc. is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. The Ibbotson name and logo are property of Ibbotson. The study described herein is the proprietary property of Ibbotson, and may not be reproduced, in whole or in part, in any manner, without the prior written consent of Ibbotson. Ibbotson and its affiliates are not related to Nationwide^® and its affiliates.

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.

NFW-1586AO.1