Get a variable annuity that offers growth potential and guaranteed lifetime income. Without the high fees.

Keep in mind that investing involves market risk and the use of asset allocation does not guarantee returns or insulate you from potential losses.

destination architect annuity key features

Key features

Return of Premium Death Benefit

Available at no additional cost, this rider makes sure your beneficiaries will get at least the amount that was invested.

Spousal Protection Death Benefit Feature

Available on all death benefits for no additional cost, this feature makes certain that the surviving spouse has the option to receive a guaranteed death benefit or continue the contract at the higher of the death benefit or contract value.

Enhanced Surrender Value for Terminal Illness

Available at no additional cost, this feature gives you the option to receive your full benefit value if you’re diagnosed with a terminal illness.1

Read our client guide

Tools & resources

Make the most out of your variable annuity.

Prospectus

Fund list

Performance report

Fees & charges

Choosing subaccounts

Subaccounts are the underlying investment options for your variable annuity. When choosing subaccounts, consider your goals, time horizon and risk tolerance.

Learn how to choose subaccounts

Available riders & options

The following riders and options are available to help you customize the Destination Architect 2.0 Annuity to your specific needs.

Offers guaranteed lifetime income, despite what the market does.

Offers guaranteed lifetime income, low fees and growth potential.

One-Year Enhanced Death Benefit

By locking the death benefit in at the highest annual contract anniversary, you may be able to increase the value of your annuity for your beneficiaries.

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[1] 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 if the owner had died on the date the form was presented in good order. Exercising this option prior to age 59½ may result in a 10 % federal tax penalty; earnings may be subject to income taxes. Not available in New York.

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. 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 59 1/2, 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.

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

Investment products offered are not FDIC-insured, may lose value, have no bank guarantee.

Contract number: ICC12-VACC-0101AOCV, ICC12-VARR-0101AO, ICC11-VAR-0146AO.1