New 8% roll-up to provide more guaranteed income for clients who wait
We guarantee an 8% simple interest roll-up on the benefit base for 10 years or until the first withdrawal, if earlier. Learn more with our client brochure.
Review L.inc+ brochure (PDF)

Please note: The Nationwide L.inc+ riders are optional income benefits available on certain Nationwide variable annuities. A variable annuity is a contract purchased from an insurance company and is designed for long-term investing. It can offer several ways to generate retirement income , including systematic withdrawals or annuitization, both available for no additional cost, or an optional rider, such as Nationwide L.inc+®, that has an additional fee. The contract value of a variable annuity will fluctuate based on investment option performance. Investing involves market risk, including possible loss of principal. Variable annuities have some limitations, and your clients may be charged penalties if they take their money out early. Withdrawals may be subject to ordinary income taxes, and if your clients are under age 59½, they may also pay a 10% federal tax penalty. Fees and charges can vary. All guarantees and protections are subject to the claims-paying ability of Nationwide Life Insurance Company.

Harness the growth potential of Nationwide Destination® variable annuities

Unlike other income benefit riders, L.inc+ does not limit which investment options you can use, and several riders have no investment restrictions at all. This gives you full access to the entire lineup of over 110 investment options available on certain Nationwide Destination variable annuities, including a broad range of asset classes and 57 funds rated 4 or 5 stars by Morningstar.

Morningstar Ratings are as of May 2025 and reflect risk-adjusted performance. The Overall Morningstar Rating™ is derived from a weighted average of the performance figures associated with the fund’s 3-, 5- and 10-year (if applicable) periods.

A retired couple smiles while sitting at their kitchen table eating ice cream sundaes with their young granddaughter.
Enhanced dollar cost averaging (DCA) is also available.
Rates as of May 1, 2025, for new deposits: 6-month DCA — 6%; 12-month DCA — 3%

Discover how L.inc+ can help protect your clients’ income

There is no routine retirement

Your clients’ retirement income should be tailored to their unique needs. Share this video to help clients discover how L.inc+ riders can create lifetime income to help them achieve their vision of retirement.

Additional resources

To access more videos and rider profiles for financial professionals, visit the Nationwide L.inc+ Rider page.

3 riders provide guaranteed lifetime income

Whether your clients want income security, additional growth potential for the future or a way to fill an income gap in retirement, you can help them with Nationwide L.inc+. All guarantees and protections, where available, are subject to the claims-paying ability of Nationwide Life Insurance Company.

For New York policies, visit Nationwide L.inc+ Empire.

L.inc+ Core

L.inc+ Core: Consistent retirement income

  • For clients who want consistent income throughout retirement that won't decrease even if their contract value goes to $0
  • 8.00% simple interest on the benefit base for 10 years or until the first lifetime withdrawal, whichever comes first
  • Available investment options have a maximum equity exposure of 70%
Lifetime withdrawals
Age1 Single lifetime withdrawal percentage Joint lifetime withdrawal percentage
45 – 59 3.55% 3.20%
60 – 64 4.75% 4.35%
65 – 69 6.10% 5.70%
70 – 74 6.30% 5.90%
75 – 79 6.50% 6.10%
80+ 6.65% 6.25%
Lifetime withdrawal rates are effective as of Feb. 12, 2024, and are subject to change without notice.
L.inc+ Accelerated

L.inc+ Accelerated: Flexible retirement income

  • For clients who want more income early in retirement and wider investment options for greater growth potential; if their contract value falls to zero, their income will reduce to the lifetime guarantee level and remain consistent for the rest of their life
  • 8.00% simple interest on the benefit base for 10 years or until the first lifetime withdrawal, whichever comes first
  • Available investment options have a maximum equity exposure of 100%
Lifetime withdrawals
Single Joint
Age1 Contract value is greater than $0 Contract value
is $0 Contract value is greater than $0 Contract value
is $0
45 – 59 4.40% 3.00% 4.10% 3.00%
60 – 64 5.65% 3.00% 5.25% 3.00%
65 – 69 7.50% 4.50% 7.10% 4.25%
70 – 74 7.75% 4.50% 7.35% 4.25%
75 – 79 7.85% 4.50% 7.45% 4.25%
80+ 7.95% 4.50% 7.55% 4.25%
Lifetime withdrawal rates are effective as of Feb. 12, 2024, and are subject to change without notice.
L.inc+ Max

L.inc+ Max: Front-loaded retirement income

  • For clients who want most of their income in the early years of retirement and wider investment options for greater growth potential; if their contract value falls to zero, their income will reduce to the lifetime guarantee level and remain consistent for the rest of their life
  • 8.00% simple interest on the benefit base for 10 years or until the first lifetime withdrawal, whichever comes first
  • Available investment options have a maximum equity exposure of 100%
Lifetime withdrawals
Single Joint
Age1 Contract value is greater than $0 Contract value
is $0 Contract value is greater than $0 Contract value
is $0
45 – 59 4.40% 3.00% 4.10% 3.00%
60 – 64 5.65% 3.00% 5.25% 3.00%
65 – 69 8.50% 3.50% 8.10% 3.25%
70 – 74 8.75% 3.50% 8.35% 3.25%
75 – 79 9.00% 3.50% 8.60% 3.25%
80+ 9.10% 3.50% 8.70% 3.25%
Lifetime withdrawal rates are effective as of Feb. 12, 2024, and are subject to change without notice.

Valuable features available on all 3 riders

No matter what L.inc+ rider option you choose, these common features are available to help you further customize your client's retirement income.


Annual step-up

We'll lock in the income benefit base at your client's highest contract anniversary value.


Roll-up rate

We'll guarantee a simple interest roll-up rate on the benefit base for 10 years or until the first lifetime withdrawal is taken.2


Nonlifetime withdrawal

We'll allow 1 withdrawal without stopping the roll-up or locking in the lifetime withdrawal percentage.3


Joint Option

For an additional cost, we'll provide the same level of income to the surviving spouse for his or her life.1

Income Carryforward
During the income phase, we'll roll forward 1 year of unused income.4

More choice for your clients’ investments

All 3 rider options in the L.inc+ suite offer you a choice when you're setting up a client’s investment portfolio.

Packaged solution

Select from our wide range of asset allocation portfolios from renowned money managers.

Custom Choice®

Build your own portfolio from more than 100 underlying investment options.

[1] The lifetime withdrawal percentage is based on the younger spouse's age and may be lower when the Joint Option is elected.

[2] The benefit base is used to calculate the annual withdrawal amount. It is not the same as the contract value and cannot be withdrawn from the contract.

[3] Please note that you can exercise this feature only once. Also, it's not available in the first rider year and is available only prior to the first lifetime withdrawal.

[4] Any income rolled forward to the following year will be the first dollars withdrawn. It will be forfeited if it isn't taken by the end of the following year.

Variable products are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To request a copy, go to nationwide.com/prospectus or call 1-800-848-6331.

The current cost of the Nationwide Lifetime Income Rider+ for single life is 1.45%, with a maximum charge of 1.50%. For joint life the current cost is 1.60%, with a maximum charge of 1.90%. The cost is assessed annually on the current income benefit base.

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