Nationwide Destination Future Variable Annuity® is a variable annuity that’s designed for investors looking for tax-deferred growth, varied investment choices and retirement income. It was designed to give clients greater flexibility to choose the features and benefits that best match their individual needs.

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.

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 Future 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.

Nationwide Lifetime Income Rider+® Core (Nationwide L.inc+® Core) (non-New York):
Offers a level off certainty to investors who need guaranteed lifetime income that will never decrease even if their contract value reaches $0 but are concerned about market volatility.

Nationwide Lifetime Income Rider+® Empire (New York only)
Offers guaranteed lifetime income that will not decrease even if the contract value is exhausted. Can be added, for an additional cost, to certain Nationwide Destination® New York 2.0 annuities, if suitable.

Optional death benefits

The following death benefits are available with Destination Future annuity.

Return of Premium Death Benefit

This rider makes sure your beneficiaries will get at least the amount that was invested.1

Highest Anniversary Value 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 and Highest Anniversary Value with the Spousal Death Benefit Feature

An optional feature that helps you and your spouse provide for each other no matter who dies first — even if only one spouse owns the contract. It’s available with IRA and non-IRA variable annuities.

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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, the Nationwide N and Eagle, Nationwide Destination, Nationwide Destination Future Variable Annuity, Nationwide Lifetime Income Rider and Nationwide L.inc Rider+ Empire are service marks of Nationwide Mutual Insurance Company.

Contract/certificate: ICC11-VAC-0117AOCV.1, ICC12-VAR-0001AO.1, ICC11-VAR-0146AO.1, ICC11-VAR-0147AO.1, ICC11-VAR-0145AO.2, APO-6284