Prepare for your farm’s future

Plant the seeds for guaranteed1 income later in life

The weather, crop prices and even your equipment – they all can impose unexpected risks to the well-being of your farm or ranch. Likewise, fluctuating markets, low interest rates and concerns about Social Security may pose risks to your financial future.

Nationwide understands all of these risks. For more than 90 years, individuals working in agriculture have trusted Nationwide to help them plan for the future. It's how we've become America's #1 farm insurer.2


Fixed Indexed Annuities offer guaranteed growth and protection

Many growers today sell or buy commodities, such as crops or livestock, via futures contracts. This guarantees a price and can reduce concerns about volatility. A fixed indexed annuity (FIA) can help manage the risk of market and future income fluctuations in much the same way.3

A FIA is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth.


Additional benefits of Fixed Indexed Annuities

Investment flexibility

Growth potential may be achieved through the performance of an underlying index, such as the S&P 500®, or through a fixed interest rate – or a combination of the two.4 Your investment advisor can help you find the combination for your financial goals. It's good to know that a FIA is not an actual investment in an index. Instead, the index performance is used to calculate any interest you may earn.

Protection from market risk

With a FIA, even if the underlying index performs poorly you will not lose your initial investment or credited earnings.

Beneficiary protection

You can pass assets to beneficiaries and avoid probate that's both costly and public Optional riders at an additional cost can enhance the amount beneficiaries may receive upon the annuity owner’s passing.

Protection for your spouse, too

Most companies will only offer to continue a policy after the death of the first spouse – with no death benefit until the second spouse passes However, Nationwide offers a joint option that may cover the death of either spouse upon the first passing.


What is a Fixed Indexed Annuity?
Learn more about fixed indexed annuities in our Learning Center.

Benefits of a Fixed Indexed Annuity
Download our 2-page PDF on the many benefits of FIAs.


1 Guarantees and protections are subject to the claims paying ability of the issuing insurance company.
2 2016 SNL Financial Report, based on statutory data.
3 Fixed indexed annuities are contracts purchased from a life insurance company. They are designed for long-term retirement goals and may not be suitable for all persons.
4 S&P 500 is a registered trademark of Standard & Poor's Financial Services LLC ("S&P").

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