We created the Nationwide Stable Income℠ Fixed Annuity to help you confidently prepare for retirement, knowing you’ll have a fixed interest rate and a guaranteed source of lifetime income. It is a single-purchase-payment deferred fixed interest annuity with a guaranteed lifetime withdrawal benefit.

All protections and guarantees are subject to the claims-paying ability of the issuing insurance company.

Key features to know about

A guaranteed rate of return
With the safety of a fixed interest rate, you don’t have to worry about losing any of your initial premium or credited earnings.

Death benefit
We’ll pay your chosen beneficiaries a death benefit equal to your contract value.

Lifetime income
Lifetime income payments are guaranteed for life, even if the contract value is reduced to zero by those payments.

Income payout
Your income payout is automatically credited for each day elapsed since your last contract anniversary.

Access to your funds1
You can access up to 10% of your contract value without paying a contingent deferred sales charge (CDSC).

Review the Nationwide Stable Income product guide

A guaranteed rate of return

Fixed annuities can help you accumulate funds for retirement without exposing your hard-earned money to market risk. The Nationwide Stable Income Fixed Annuity has a 7-year initial interest rate guarantee period. After that, your interest rate will renew annually, and we guarantee that it won't be lower than 1%.

Both your principal and your interest rates are guaranteed as long as you don’t take withdrawals before the end of the selected period. If you withdraw your assets, your principal may be reduced by a market value adjustment (MVA) and fees known as contingent deferred sales charges (CDSC).

Lifetime income payments

When you start receiving income from your Nationwide Stable Income Fixed Annuity, we guarantee it for your lifetime. Your lifetime income payments will never decrease, even if they reduce your contract value to $0.


Calculating your lifetime income payment

Net purchase payment × Lifetime income payout factor = Lifetime income payment


  • Net purchase payment is your purchase payment minus any withdrawals you make before starting your guaranteed income
  • Your lifetime income payout factor is based on whether you’ve chosen single or joint income, your age at contract issue, and the amount of time you wait to take income

If the interest earned in an annuity wasn’t tax deferred, you’d have to pay taxes on it. But because it is tax deferred, that money stays in the annuity, deferring taxes while you accumulate more assets. Over time, the potential of tax-deferred growth can build a larger account value than that of a similar taxable account achieving the same rate of interest.
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[1] Withdrawals at any time may be subject to ordinary income taxes. If you make a withdrawal before age 59½, it may be subject to a 10% early withdrawal federal tax penalty.

You may be charged a fee called a contingent deferred sales charge (CDSC) if you take money from your contract before a specified time. In California, a CDSC is called a “surrender charge.”

Protections and guarantees are subject to the claims-paying ability of the issuing company.

Nationwide Stable Income is a service mark of Nationwide Mutual Insurance Company.

Contract/Certificate: ICC25-FACC-0132AOPP, FACC-0132AOPP, ICC25-FAZZ-0181AO, FAZZ-0181AO, ICC25-FARR-0131AO, FARR-0131AO