Nationwide annuity riders & features
Add an optional rider or feature to your annuity for additional coverage and protection potential.
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Nationwide High Point® 365 Lifetime Income Benefit Rider
Provides the opportunity for growth potential, even after lifetime income payments have started. Can be added, for an additional cost, to a Nationwide New Heights® Fixed Indexed Annuity, if suitable.
Nationwide High Point 365® Lifetime Income Rider with Purchase Payment Bonus
Offers the certainty of a guaranteed roll-up, as well as the opportunity for greater growth potential the longer you wait to annuitize, while providing the flexibility to begin income after only one full contract year.1 Can be added, for an additional cost, to a Nationwide New Heights Fixed Indexed Annuity, if suitable.
Nationwide Lifetime Income Track® Rider
Offers guaranteed lifetime income, low fees and growth potential. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Nationwide Lifetime Income Rider®
Offers guaranteed lifetime income and a balance between investment performance and growth potential. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Offers guaranteed lifetime income with a variety of payout options, guarantee levels and equity exposure. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
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Beneficiary Protector® II Rider
Help your beneficiaries with the expenses they'll face when they inherit your annuity. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Combination Enhanced Death Benefit Rider
Increase the value of your annuity for your beneficiaries, even if the market and contract value are down. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Nationwide High Point® Enhanced Death Benefit Rider
If you elect the Joint Option and name a co-annuitant, the death benefit payable on the first death of either annuitant will be the greater of the base contract death benefit and the enhanced death benefit. Can be added, for an additional cost, to a Nationwide New Heights® Fixed Indexed Annuity, if suitable.
One-Month Enhanced Death Benefit Rider
By locking the death benefit in at the highest monthly contract anniversary, you may be able to increase the value of your annuity for your beneficiaries. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
One-Year Enhanced Death Benefit Rider
By locking the death benefit in at the highest annual contract anniversary, you may be able to increase the value of your annuity for your beneficiaries. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Return of Premium Enhanced Death Benefit
Make sure your beneficiaries receive at least the amount you invested, regardless of how the market performs. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
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Liquidity Options
By adding a 4-Year L-Share Liquidity Option or a C-Share Liquidity Option to your annuity, you could reduce or eliminate your contingent deferred sales charge (CDSC). Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Enhanced Surrender Value for Terminal Illness
Gives you the option to receive your full benefit value if you’re diagnosed with a terminal illness.2,3 Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Spousal Protection Death Benefit Feature
Ensures that the surviving spouse has the option to receive a guaranteed death benefit or continue the contract at the higher of the death benefit or contract value.2 Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
Joint Option
Allows the death benefit to be paid regardless of whether the annuitant or their spouse dies first.
[3] Available after the first contract year. When this option is exercised, Nationwide terminates the annuity and pays the owner an amount equal to the death benefit available on the date the form was presented in good order. On joint contracts, if the owner's spouse/co-annuitant is diagnosed with a terminal illness, the owner may also exercise this option. May not be available in all states; not available in New York.
A variable annuity is a contract you purchase from an insurance company, designed for long-term investing. The values will fluctuate based on investment option performance. Investing involves market risk, including possible loss of principal. They have some limitations and you may be charged penalties if you take your money out early. Withdrawals may be subject to ordinary income taxes, and if you are under age 59½, you may pay a 10% federal tax penalty also. Fees and charges can vary.
Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained from your investment professional or by writing to Nationwide Life Insurance Company. P.O. Box. 182021 Columbus, OH 43218-2021. Before investing, carefully consider the fund's investment objectives, risks, charges, and expenses. The product prospectus and underlying fund prospectuses contain this and other important information. Read the prospectuses carefully before investing.
Riders and options may not be available in all states. In New York, the features and costs may be different. Ask your Investment professional for details. Protections and guarantees are subject to the claims-paying ability of the issuing company. They do not apply to the investment performance or safety of the underlying investment options.