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 EmpireSM) to make this easier.

Adding Nationwide 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.

A retired couple enjoying time together at the lake.

Important information

A variable annuity is a contract purchased from an insurance company and is designed for long-term investing. It can offer several ways to generate retirement income including systematic withdrawals or annuitization, both available for no additional cost, or an optional rider such as Nationwide Empire that has an additional fee. The contract value of a variable annuity will fluctuate based on investment option performance. Investing involves market risk, including possible loss of principal. Variable annuities 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 also pay a 10% federal tax penalty. Fees and charges can vary. All guarantees and protections are subject to the claims paying ability of Nationwide Life Insurance Company.

Valuable features of Nationwide Empire

These important features are available on Nationwide Empire to help you further customize your retirement income.

We guarantee a 6% simple interest roll-up on your original income benefit base for the first 10 years or until the first lifetime withdrawal, whichever comes first.

An annual step-up feature locks in your highest contract value on the rider anniversary if your investment options outperform the 6% simple interest roll-up rate.

Before starting lifetime withdrawals, you may take one nonlifetime withdrawal without stopping the roll-up or locking in the lifetime withdrawal percentage.2

For an additional cost, you may choose our Joint Option so your surviving spouse will continue receiving the same level of income for the rest of his or her life.3

During the income phase, our Income Carryforward feature lets you roll forward 1 year of unused income to help adapt to your changing needs.4

More choice for your investments

Nationwide Empire offers you flexibility when you set up your investment portfolio.

Packaged solution
Select from a wide range of asset allocation options from renowned money managers with well-designed asset allocation strategies.

Custom Choice®
Build your own portfolio from the more than 100 investment options available in the annuity if you prefer. Allocation restrictions may apply.

Get more details on how this rider can convert your investment into a guaranteed income stream for life.

Available products

Nationwide Empire is available as a rider on these variable annuities:

Nationwide Destination® B New York 2.0
Offers tax-deferred growth and varied investment choices in retirement.

Nationwide Destination® All American Gold New York 2.0
Offers retirement income for those planning for or living in retirement.

Nationwide Destination® Navigator New York 2.0
Offers tax-deferred growth and varied investment choices to help prepare you for retirement.

Ready to get started?
Call 1-877-245-0761 (sales); 1-800-848-6331 (service)

[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 or call 1-800-848-6331.