Add a 4-Year L-Share Liquidity Option or a C-Share Liquidity Option to your annuity and reduce or eliminate your contingent deferred sales charge (CDSC). Just keep in mind that liquidity options may have an additional charge and may not be available in all states or territories, or in combination with other options or features.

A CDSC pays for sales expenses such as commissions, promotions and sales materials. It is deducted from your cash value if you end your contract before the end of your surrender charge period.

4-Year L-Share Liquidity Option

By adding a 4-Year L-Share Liquidity Option to your annuity for an additional charge of 0.35%, you cut the number of years a CDSC applies from 7 to 4. After year 4, you have the option to withdraw money with no CDSC.

C-Share Liquidity Option

With the C-Share Liquidity Option rider, you may withdraw annuity assets without CDSC in one of the following ways:
  • Annually withdraw up to 10% of total purchase payments that are subject to a CDSC. This feature is not cumulative and does not apply to a full contract surrender. (Please consult your prospectus to see the details for your state.)
  • Annually withdraw up to 2% of the total contract value to pay for advisory or management fees. This feature is not cumulative and is in addition to a 10% free annual withdrawal.

The C-Share option is 0.40%. Please note that distributions made before you turn 59½ may be subject to a 10% early withdrawal federal tax penalty. Ordinary income taxes may also apply. Withdrawals will reduce your death benefit and cash value.

Available products

Nationwide DestinationSMAll American Gold® 2.0

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

Nationwide Destination NavigatorSM 2.0

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

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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.