Nationwide Destination B 2.0 is a variable annuity that’s designed for investors looking for tax-deferred growth and varied investment choices in retirement.

This variable annuity can help you plan for retirement by offering a solid approach for today with time to build for tomorrow. Once you retire, you can take income from your balance. This is called annuitization. If you should pass away unexpectedly before annuitization occurs, a death benefit will be paid to your beneficiaries.

Keep in mind that if you take withdrawals before you’re 59½, you may have to pay a 10% tax penalty in addition to ordinary income taxes. Early withdrawals may be subject to ordinary income taxes. They may trigger early surrender charges and reduce your death benefit and cash value.

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.1

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.2

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

Optional living benefits

Destination B 2.0 has optional riders that you can add for an extra cost. These riders can help you ensure that your annuity has the features that are important to you.

Offers guaranteed lifetime income with a variety of payout options, guarantee levels and equity exposure. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

Offers guaranteed lifetime income, despite what the market does.

Optional death benefits

The following death benefits are available with Destination B 2.0 annuity.

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.

One-Month Enhanced Death Benefit

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

Combination Enhanced Death Benefit

Increase the value of your annuity for your beneficiaries, even if the market and contract value are down.

Beneficiary Protector® II

Help your beneficiaries with the expenses they'll face when they inherit your annuity.

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[1] All withdrawals, or partial surrenders, will reduce the death benefit in the same proportion the contract value was reduced.

[2] 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