BISA Magazine - Quarter 4, 2017 - 19

Nationwide® variable annuities* are long-term
investments that can grow tax deferred and
offer a spousal death beneﬁt on qualiﬁed
money, at no additional cost.1
*

Beneﬁt paid no matter which spouse passes away ﬁrst

Surrender charges are waived

Contract value is adjusted to equal the death beneﬁt value2

See how it works at:
NationwideFinancial.com/Spousal

For your clients' many sides, there's Nationwide.
mutual funds | annuities | life insurance | retirement plans

1
VARDS, 2017. Nationwide can offer this beneﬁt because we have annuitant-driven contracts. Nationwide's Spousal Protection Death Beneﬁt Feature is
available at no additional cost on Nationwide DestinationSM 2.0 products.
2
For example, with a Return of Premium Death Beneﬁt, if the contract value is lower than the premium amount, upon the passing of the ﬁrst spouse, the
surviving spouse would receive the higher amount, being the original premium as the death beneﬁt value with surrender charges waived. This assumes no
withdrawals were taken.
Variable products are sold by prospectus. Both the product prospectus and underlying fund prospectuses can be obtained by visiting nationwide.com
or by calling 800-321-6064. 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 prospectus carefully before investing.
*Variable annuities are long-term, tax-deferred investments designed for retirement that will ﬂuctuate in value. They allow for a ﬁxed or variable stream of
income through a process called annuitization and also provide a variable rate of return based on the performance of the underlying investments, which are
subject to investment risk, including possible loss of principal. A variable annuity is a contract between the owner and an insurance company and has fees
and limitations that include mortality and expense, administrative fees, contract fees and the expense of the underlying investment options. Riders may not
be available on all variable annuities and not in all states.
Some death beneﬁts may be available at an additional cost, and the cost of an option may exceed the beneﬁt paid under the option. Any early withdrawals
will decrease the death beneﬁt and contract value. If withdrawals are taken before age 59 1/2, a 10% early withdrawal federal tax, in addition to ordinary
income taxes, may apply. Guarantees are subject to the claims-paying ability of the issuing insurance company.
Variable products are issued by Nationwide Life Insurance Company. The general distributor is Nationwide Investment Services Corporation, member FINRA.
Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company.
© 2017 Nationwide.
NFV-1166AO.3 (07/17)

http://www.nationwide.com

Table of Contents for the Digital Edition of BISA Magazine - Quarter 4, 2017