Nationwide Lifetime Income Rider+® Empire

These days, it’s more likely than ever that you’ll need to rely on your own savings to cover basic expenses during retirement. We designed Nationwide Lifetime Income Rider+^® Empire (Nationwide L.inc+ Empire^SM) to make this easier.

Adding Nationwide L.inc+ Empire to your variable annuity helps you convert part of your retirement savings into guaranteed income for the rest of your life.¹ It also offers a variety of features and investment options, giving you the flexibility to create the retirement you've envisioned.

This optional rider is available for an additional fee on certain Nationwide variable annuities issued in the state of New York.

[1] All guarantees and protections, where available, are subject to the claims-paying ability of Nationwide Life Insurance Company.

[2] 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.

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

[4] Any income rolled forward to the following year will be the first dollars withdrawn and will be forfeited if it isn’t taken by the end of the following year.

The current cost of the Nationwide Lifetime Income Rider+ Empire is 1.30% with a maximum charge of 1.50%. The cost is assessed annually on the current income benefit base.

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.