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How many years do you think you will spend in retirement? Chances are, it will be longer than you think. Depending upon your situation, you may want to consider a variable annuity to help you provide income during retirement.

Nationwide Destination® All American Gold 2.0 variable annuity is an investment tool that offers retirement income for those planning for or living in retirement. It is a contract issued by a Nationwide life insurance that provides a variable rate of return based on the performance of underlying investment options.

Key features

Return of Premium Death Benefit

Available at no additional cost, this rider makes sure your beneficiaries will get at least the amount that was invested.1
Spousal Protection Death Benefit Feature

Available on all death benefits for no additional cost, this feature makes certain that the surviving spouse has the option to receive a guaranteed death benefit or continue the contract at the higher of the death benefit or contract value.
Enhanced Surrender Value for Terminal Illness
Available at no additional cost, this feature gives you the option to receive your full benefit value if you’re diagnosed with a terminal illness.2

Read our guide

Tools & resources

Make the most out of your variable annuity.

Nationwide Destination All American Gold 2.0 client guide

Prospectus

Prospectus NY

Annual/Semiannual reports

Fund list

Performance

Performance NY

Quarterly fund statistics

Fees & charges

Choosing subaccounts

Subaccounts are the underlying investment options for your variable annuity. When choosing subaccounts, consider your goals, time horizon and risk tolerance.

Learn how to choose subaccounts

Optional living benefits

Nationwide Lifetime Income Rider® + Suite (non-New York)
Offers guaranteed lifetime income with a variety of payout options, guarantee levels and equity exposure. Can be added, for an additional cost, to certain Nationwide Destination® annuities, if suitable.

Nationwide Lifetime Income Rider+® Empire (New York only)
Offers guaranteed lifetime income that will not decrease even if the contract value is exhausted. Can be added, for an additional cost, to certain Nationwide Destination® New York 2.0 annuities, if suitable.

The Nationwide Lifetime Income Rider®
Offers guaranteed lifetime income, despite what the market does.

Optional death benefits

One-Year Enhanced Death Benefit

By locking the death benefit in at the highest annual contract anniversary, you may be able to increase the value of your annuity for your beneficiaries.

One-Month Enhanced Death Benefit

By locking the death benefit in at the highest monthly contract anniversary, you may be able to increase the value of your annuity for your beneficiaries.

Combination Enhanced Death Benefit

Increase the value of your annuity for your beneficiaries, even if the market and contract value are down.

Beneficiary Protector® II

Help your beneficiaries with the expenses they'll face when they inherit your annuity.
soloist annuity key features

4-Year L-Share Liquidity Option

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

By adding a 4-Year L-Share Liquidity Option to your annuity, you can 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.

Learn more about the 4-Year L-Share Liquidity Option.

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[1] All withdrawals or partial surrenders will reduce the death benefit in the same proportion the contract value was reduced.

[2] Available after the first contract year. When the 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. This is a withdrawal and exercising this option prior to age 59½ may result in a 10% early withdrawal federal tax penalty; earnings may be subject to income taxes.

Before you invest, please read the prospectus carefully and consider the investment objectives, risks, charges and expenses of the annuity and its underlying investment options before you invest. Prospectuses for products and underlying funds contain this and other important information. To obtain prospectuses, call your investment professional, contact Nationwide or click links to prospectuses above.

Guarantees and protections are subject to Nationwide Life Insurance Company's claims-paying ability. 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.

Nationwide, the Nationwide N and Eagle, Nationwide Destination, Nationwide Lifetime Income Rider+ and Nationwide L.inc Rider+ Empire are service marks of Nationwide Mutual Insurance Company. Beneficiary Protector is a service mark of Nationwide Life Insurance Company.

Contract/certificate: ICC11-VAC-0117AOCV.1, ICC11-VAC-0117NYCV.1, ICC11-VAR-0145AO.1, ICC11-VAR-0147AO.1, ICC11-VAR-0146AO.1, ICC11-VAR-0181AO, APO-6284