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