All withdrawals, or partial surrenders, will reduce the death benefit in the same proportion the contract value was reduced.
 Available after the first contract year. When the option is exercised, Nationwide terminates the annuity and pays the owner an amount equal to the death benefit available on the date the form was presented in good order. This is a withdrawal and exercising this option prior to age 59½ may result in a 10% early withdrawal federal tax penalty; earnings may be subject to income taxes.
Before you invest, please read the prospectus carefully and consider the investment objectives, risks, charges and expenses of the annuity and its underlying investment options before you invest. Prospectuses for products and underlying funds contain this and other important information. To obtain prospectuses, call your investment professional, contact Nationwide or click links to prospectuses above.
Guarantees and protections are subject to Nationwide Life Insurance Company's claims-paying ability. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.
Nationwide Destination, Beneficiary Protector, The Nationwide Lifetime Income Rider, Nationwide Lifetime Income Track and Lifetime Income Track are service marks of Nationwide Mutual Insurance Company.
Contract/certificate: ICC11-VAC-0117AOCV.1, ICC11-VAC-0117NYCV.1, ICC11-VAR-0145AO.1, ICC11-VAR-0147AO.1, ICC11-VAR-0146AO.1, ICC11-VAR-0181AO, APO-6284