The Nationwide High Point® Enhanced Death Benefit Rider (High Point EDB) can be added to a Nationwide New Heights® Fixed Indexed Annuity for an additional cost.

High Point EDB is only available at contract issue. To purchase this rider, you (and your spouse, if the joint option is chosen) must be 75 years or younger at contract issue.1

Key features

The opportunity for growth potential, through the higher value between:
  • A daily step-up feature on the death benefit amount that locks in the highest daily balanced allocation value2
  • A guaranteed increase in value with 4% interest on the purchase payment, compounded annually up to 200% of the purchase payment or until the contract anniversary after the oldest annuitant reaches age 80 (whichever occurs first)

A joint option that allows the death benefit to be paid regardless of whether you or your spouse dies first

Cost:
  • For Nationwide New Heights 8, New Heights 9 and New Heights 10: It has an annual rider charge rate of 0.50%, which will be calculated on the enhanced death benefit value and is deducted from the contract value on a quarterly basis
  • For Nationwide New Heights 12: It has an annual rider charge rate of 0.55%, which will be calculated on the enhanced death benefit value and is deducted from the contract value on a quarterly basis

Available products

The Nationwide High Point Enhanced Death Benefit Rider is available with any Nationwide New Heights Fixed Indexed Annuity, which:
  • Offer you the ability to help protect your assets while also positioning you for growth opportunities on a daily basis
  • Have annual rider charge rates, which are calculated on the enhanced death benefit value and are deducted from the contract value every quarter

Nationwide New Heights® 9

This annuity has a 9-year contingent deferred sales charges (CDSC) schedule4 and an annual rider charge rate of 0.50% (0.95% if the payment bonus is elected).

Nationwide New Heights® 10

This annuity has a 10-year contingent deferred sales charges (CDSC) schedule4 and an annual rider charge rate of 0.50% (0.80% if the payment bonus is elected).

Nationwide New Heights® 12

This annuity has a 12-year contingent deferred sales charges (CDSC) schedule4 and an annual rider charge rate of 0.55% (0.95% if the payment bonus is elected).

Nationwide High Point Enhanced Death Benefit Rider brochures

Smartphone_Ringer-outline
Ready to get started?
Call 1-877-245-0761 (sales); 1-800-848-6331 (service)
[1] For New Heights 12: Age 70 years and younger; age 64 years and younger for Florida contracts.
[2] The balanced allocation value monitors the daily fluctuations of your contract and is the greater of the contract value plus any unrealized earnings or the Return of Purchase Payment Guarantee amount.

[3] In CA, CDSC is called a surrender charge. CDSC schedules may vary by state.

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. They 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.