You may be able to increase the value of your variable annuity for your beneficiaries by locking in the Combination Enhanced Death Benefit at:
  • The highest annual contract anniversary, or
  • The purchase payments with a 5% annual compound interest rate

Even if the market and your contract value are down when you die.

Rider details

When you die, the Combination Enhanced Death Benefit Rider gives your beneficiaries whichever is more:
  • The contract value on the date we receive all required paperwork in good order
  • The total for all purchase payments made to your annuity, minus any surrendered amounts
  • The highest contract value on any contract anniversary prior to your 81st birthday1
  • Purchase payments accumulated at 5% compound interest (up to 200% maximum benefit) until the contract anniversary prior to your 81st birthday, adjusted for each amount surrendered2

Available products

The Combination Enhanced Death Benefit Rider is available with the following variable annuities.

Nationwide DestinationSM All American Gold® 2.0

Offers retirement income for those planning for or living in retirement.

Nationwide DestinationSM B 2.0

Offers tax-deferred growth and varied investment choices in retirement.

Nationwide DestinationSM Navigator 2.0

Offers tax-deferred growth and varied investment choices to help prepare you for retirement.

Smartphone_Ringer-outline
Ready to get started?
Call 1-877-245-0761 (sales); 1-800-848-6331 (service)
[1] Adjusted contract value subtracts amounts subsequently surrendered and adds additional payments received after the contract anniversary.

[2] Subject to meeting the fixed account allocation restrictions. Please see product prospectus for more information.

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. 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.