(Exclusively offered at Edward Jones)

Nationwide O Series is a variable annuity that’s designed for investors looking for tax-deferred growth potential, varied investment choices and retirement income.

This variable annuity can help you plan for retirement by offering a solid approach for today with time to build for tomorrow. When you retire, you can start taking income from your account balance through annuitization1. 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.

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 living benefits

Nationwide O Series 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+SM Core (Nationwide L.inc+ Core):

Offers a level of 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.

Optional death benefits

The following death benefits are available with Nationwide O Series annuity at an additional cost.

Return of Premium Death Benefit (standard)

This rider makes sure your beneficiaries will get at least the amount that was invested.2

Highest Anniversary Value Death Benefit (optional)

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] Annuitization is a one-time process of taking your annuity account and turning it into regular payments that will last for the rest of your life. The annuitized payments continue, regardless of how long you live, even if the total payments exceed the original account value.

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

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. 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.

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. Carefully consider the investment objectives, risks, charges and expenses. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To request a copy, go to nationwide.com/prospectus or call 1-800-848-6331.