You can use this option to receive your death benefit early if you’re diagnosed with a terminal illness. This feature is available for no additional cost after the first contract year of your annuity1.

If you also have the Spousal Protection Death Benefit Feature, you can exercise this feature if you or your spouse is diagnosed with a terminal illness.

Available products

Nationwide Destination℠ All American Gold® 2.0

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

Nationwide Destination℠ Architect 2.0

Offers growth potential and guaranteed lifetime income, without the high fees.

Nationwide Destination℠ B 2.0

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

Nationwide Destination Navigator℠ 2.0

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

Nationwide Destination Freedom+℠

Offers competitive, low-cost, investment-focused variable annuity (IFVA).

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[1] This feature is available for no additional cost 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. 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.