Annuities provide protected lifetime income you can’t outlive.

Plan your own financial future

What is an annuity?

Nationwide annuities are designed to help you grow your retirement income. They’re long-term contracts from an insurance company where you invest your money. In return for your investment, you get income in the form of regular payments.

Types of annuities

There are several types of annuity products available to choose from. Whether you’re looking for income options, legacy planning tools or spousal protection, your financial professional can tailor a plan to meet your specific goals.

Quick annuity comparison chart

Benefit Variable Registered index-linked Fixed Immediate Fixed indexed
Guaranteed income for life for you
Guaranteed income for life for your spouse
Cost-of-living adjustments
Guaranteed minimum withdrawal benefits
Protection against market losses
Access to your funds, up to a specified limit
Potential to leave a legacy to heirs

Benefits of annuities

An annuity can help you save additional money for retirement once you've maxed out other tax-favored investments.

Annuities can help you catch up on retirement savings when you have less time to save.

Annuities offer potential for tax-deferred growth and an income stream for life.

How do annuities work?

An annuity is a long-term investment that is issued by an insurance company and is designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life.

Nationwide's annuities are flexible, so you can choose one that enables you to:
  • Invest a lump sum or invest over a period of time
  • Start receiving payments immediately or at some later date
  • Select a fixed, variable or indexed rate of return

Investing involves risk, and your investments may lose value. All guarantees and protections are subject to the claims-paying ability of the issuing insurance company, but the guarantees do not apply to any variable accounts, which are subject to investment risk, including the possible loss of principal.

Annuity resources

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Read this important information

Variable annuities are sold by prospectus. Both the product and underlying fund prospectuses can be obtained by visiting or by calling 1-800-848-6331. Before investing, carefully read and consider the fund’s investment objectives, risks, charges, expenses, and other important information contained in this and the underlying funds’ prospectuses.

A fixed indexed annuity offers returns based on the changes in a securities index, such as the S&P 500® Composite Stock Price Index. Indexed annuity contracts also offer a specified minimum that the contract value will not fall below, regardless of index performance. After a period of time, the insurance company will make payments to you under the terms of your contract.

A fixed indexed annuity is not a stock market investment and does not directly participate in any stock or equity investment.

Before deciding on an annuity, you should consider your income needs, risk tolerance and investment objectives. Your investment professional can help you decide if annuities are a suitable investment and can help you pick a Nationwide® annuity.

Guarantees are subject to the claims-paying ability of Nationwide Life Insurance Company. They don’t apply to the investment performance or safety of the underlying investment options.