You have a few years before you retire. And you're planning ahead. A competitive, low-cost, investment-focused variable annuity (IFVA) such as Nationwide Destination Freedom+ Annuity may be able to help.

A variable annuity that offers a solid approach for today with time to build for tomorrow, Nationwide Destination Freedom+ is a competitive, low cost, investment-focused option for future retirees. It offers a breadth of brand name money managers and protection features like enhanced death benefits (available at an additional cost). Destination Freedom+ can help maximize your savings in a low-cost, tax-deferred investment vehicle.

Key features

  • Low cost
  • Tax deferred
  • Lots of investment options
  • Death benefit at no additional cost

Tools & resources

Make the most out of your variable annuity.

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 death benefits

The following death benefits are available with the Destination Freedom+ 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.
Return of Premium Enhanced Death Benefit
Make sure your beneficiaries receive at least the amount you invested, regardless of how the market performs.

Other riders & options

Spousal Protection Death Benefit Feature

Ensures 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.1

Enhanced Surrender Value for Terminal Illness
Gives you the option to receive your full benefit value if you’re diagnosed with a terminal illness.1,2
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[1] This feature is available for no additional cost when either of the Death Benefits is elected.

[2] Available after the first contract year. When this 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. On joint contracts, if the owner's spouse/co-annuitant is diagnosed with a terminal illness, the owner may also exercise this option. May not be available in all states; not available in New York.

When evaluating the purchase of a variable annuity, you should be aware that variable annuities are long-term investment vehicles designed for retirement purposes and will fluctuate in value; annuities have limitations; and, investing involves market risk, including possible loss of principal.

A variable annuity is a contract you buy from an insurance company. It's designed to help accumulate assets to provide income for retirement. It will fluctuate in value based on the performance of the underlying investment options. You should also know that all guarantees and protections of a variable annuity are subject to the claims-paying ability of the issuing insurance company.

Annuities do have limitations. You may be charged a penalty if you take your money out early, if you're not yet 59½ (additional 10% tax penalty), or both. Variable annuities have fees and charges that include mortality and expense, administrative fees, contract fees, and the expense of the underlying investment options.

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 prospectus contain this and other important information. Read the prospectuses carefully before investing.

Guarantees and protections are subject to Nationwide'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 Freedom+ is issued by Nationwide Life Insurance Company, Columbus, Ohio.

Nationwide Destination Freedom+ is a service mark 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