For New Heights 12: Maximum issue age is 75 years (64 years in Florida).
 The balanced allocation value monitors the daily fluctuations of your contract and is the greater of the contract value plus any unrealized earnings or the Return of Purchase Payment Guarantee amount.
 Lifetime income payments cannot begin until after the fifth contract anniversary and the date that the youngest covered life reaches age 50. Once the contract is issued, the range of lifetime payout percentages applicable to your contract will not change; however, payout percentages increase within that range every year income is deferred until the maximum payout percentage is reached. Once the lifetime income payments begin, the payout percentage will not change.
 In CA, CDSC is called a surrender charge. CDSC schedules may vary by state.
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.