Help manage unanticipated risks

With the Nationwide Defined Protection® Annuity

Align performance and protection needs

Investors face a unique challenge – how to create greater growth opportunities without taking on significant risk – when planning for retirement. It’s important to evaluate how investments are aligned to needs across an entire retirement portfolio.

Risks to consider

  • Extended bull market and the potential for a major downturn
  • The impact of early losses on future retirement income
  • Rising interest rates negatively impacting future bond values
  • Missed growth opportunities by remaining uninvested

Market changes can be sudden and severe

Since 2009, U.S. equities have experienced one of the longest sustained bull markets in history, which may have caused investors to forget about the severity of the last market crash. It is important to consider how a loss of 30% or more would impact a retirement plan.

loss_recovery_chart

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What is the Nationwide Defined Protection® Annuity?

Defined Protection® Annuity is a single purchase payment deferred annuity contract issued by Nationwide Life Insurance Company. In exchange for your purchase payment, you’ll receive growth opportunities based on the performance of an underlying index while providing some protection from downside market risk at a level you select. Defined Protection Annuity does not directly participate in any stock, equity investments or index. It is not possible to invest directly in an index.

  • If you take withdrawals before you’re age 59½, you may have to pay a 10% federal tax penalty in addition to ordinary income taxes
  • Withdrawals will reduce the contract value and death benefit. Non-preferred withdrawals may be subject to Contingent Deferred Sales Charges (CSDC), Non-Preferred Withdrawal Adjustments and Market Value Adjustment (MVA), if applicable
  • All guarantees and protections of annuities are subject to the financial strength and claims-paying ability of Nationwide Life Insurance Company

Past performance is not an indication of future results.

More information can be found in the Prospectus.

1 Source: Morningstar, 6/28/19. The average bear market (20% or greater loss from a previous high) lasts 1.3 years.

Not a deposit – Not FDIC or NCUSIF insured – Not guaranteed by the institution – Not insured by any federal government agency – May lose value

This material must be preceded or accompanied by the prospectus. Carefully consider the investment objectives, risks, charges and expenses. The product prospectus contains this and other important information. Investors should read it carefully before investing. To request a copy, go to nationwide.com/prospectus or call 1-800-848-6331.

When evaluating the purchase of an annuity, your clients should be aware that annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Please read the prospectus for complete details. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% early withdrawal federal tax penalty.

Nationwide Defined Protection is an individual single purchase payment deferred annuity with index-linked strategies issued by Nationwide Life Insurance Company, Columbus, Ohio. The general distributor is Nationwide Investment Services Corporation, member FINRA. Please note, the contract does not directly participate in any stock or equity investments.

Guarantees and protections referenced within are subject to the claims-paying ability of Nationwide Life Insurance Company.

Nationwide, the Nationwide N and Eagle, Nationwide is on your side, and Nationwide Defined Protection are service marks of Nationwide Mutual Insurance Company.

© 2022 Nationwide

AAM-0627AO.3 (12/21)