Add an optional rider or feature to your annuity for additional coverage and protection potential.

Just keep in mind that riders may have an additional charge, may not be available in all states and may not be available in combination with other options or features. Guarantees and protections are subject to the claims-paying ability of Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company.
  • Living benefit riders

    Nationwide Lifetime Income Rider® + Suite (non-New York)

    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 Destination® annuities, if suitable.

    Nationwide Lifetime Income Rider+® Empire (New York only)

    Offers guaranteed lifetime income, for an additional cost, on certain Nationwide Destination® annuities, if suitable.

    Nationwide Lifetime Income Track® Rider

    Offers guaranteed lifetime income, low fees and growth potential. Can be added, for an additional cost, to certain Nationwide Destination® annuities, if suitable.

    Nationwide Lifetime Income Rider®

    Offers guaranteed lifetime income and a balance between investment performance and growth potential. Can be added, for an additional cost, to certain Nationwide Destination® annuities, if suitable.
  • Death benefit riders

    Beneficiary Protector® II Rider

    Help your beneficiaries with the expenses they'll face when they inherit your annuity. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

    Combination Enhanced Death Benefit Rider

    Increase the value of your annuity for your beneficiaries, even if the market and contract value are down. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

    One-Month Enhanced Death Benefit Rider

    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. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

    One-Year Enhanced Death Benefit Rider

    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. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

    Return of Premium Enhanced Death Benefit

    Make sure your beneficiaries receive at least the amount you invested, regardless of how the market performs. Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.
  • Additional features

    Liquidity Options

    By adding a 4-Year L-Share Liquidity Option or a C-Share Liquidity Option to your annuity, you could reduce or eliminate your contingent deferred sales charge (CDSC). Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

    Enhanced Surrender Value for Terminal Illness

    Gives you the option to receive your full benefit value if you’re diagnosed with a terminal illness.2,3 Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

    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.2 Can be added, for an additional cost, to certain Nationwide DestinationSM annuities, if suitable.

    Joint Option

    Allows the death benefit to be paid regardless of whether the annuitant or their spouse dies first.
Not sure which type of annuity is right for you? Explore all annuity types.
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[1] Lifetime income payments can begin after the first contract anniversary and the date that the youngest covered life reaches age 50. Once the contract is issued, the range of lifetime payout percentages applicable to the contract will not change; however, payout percentages increase within that range every year income is deferred until the maximum payout percentage is reached. Once the lifetime income payments begin, the payout percentage will not change.
[2] This feature is available for no additional cost when either of the Death Benefits is elected.
[3] 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.

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. Investing involves market risk, including possible loss of principal. Annuities 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 59½, 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.

Riders and options may not be available in all states. In New York, the features and costs may be different. Ask your Investment professional for details. Protections and guarantees are subject to the claims-paying ability of the issuing company. They do not apply to the investment performance or safety of the underlying investment options.