The Nationwide Lifetime Income Track Rider (Lifetime Income Track®) offers:
  • A joint option for continuation of income for either surviving spouse
  • Growth potential
  • Guaranteed lifetime income

Rider details

This optional rider is available at an additional cost and must be selected when the contract is issued.

Keep in mind, excess early and non-lifetime withdrawals may reduce or wipe out your income benefit base. Certain restrictions and limitations may apply. Guarantees are subject to the claims paying ability of Nationwide.

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Guaranteed lifetime withdrawal benefit

The withdrawal amount is calculated as a percentage of the income benefit base.1 On each rider anniversary, the income benefit base may either be:
  • Reset to the contract value, if it's greater than the current income benefit base, OR
  • Remain the same if the current income benefit base is greater

A Non-Lifetime Withdrawal feature is available after the rider's 1-year anniversary and can only be exercised once. The income benefit base will be reduced proportionally. To use this feature, you must be 59½ or older.2

Learn more about the Lifetime Income Track Rider.

Lifetime withdrawal percentage (single)

The lifetime withdrawal percentage is based on a combination of your age and the rider’s age when you make your first lifetime withdrawal.
Age Rider age is less than 5 years Rider age is greater than or equal to 5 years
59½ - 64 4% 4.5%
65-74 4.5% 5%
75-80 5% 5.5%
81+ 5.5% 6%

Lifetime withdrawal percentage (joint option)

Age Rider age is less than 5 years Rider age is greater than or equal to 5 years
59½ - 64 3.75% 4.25%
65-74 4.25% 4.75%
75-80 4.75% 5.25%
81+ 5.25% 5.75%

Available products

Lifetime Income Track is available with the following variable annuities.

Nationwide DestinationSM Architect 2.0

Offers growth potential and guaranteed lifetime income, without the high fees.

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[1] Excess, early and non-lifetime withdrawals may reduce or terminate the income benefit base; certain restrictions and limitations may apply.

[2] This option can only be exercised once, is not available in the first rider year and is available when the owner reaches 59½.

Nationwide Lifetime Income Track and Lifetime Income Track are service marks of Nationwide Mutual Insurance Company.

Optional riders offer additional coverage and protection potential on selected annuities and may have an additional charge.  Riders may not be available in all states.  Guarantees and riders are subject to the claims paying ability of the issuing company.

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 of the underlying investment options.