Variable Annuities
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Clients Can Invest One Product with Multiple Options

A variable annuity gives your client a rate of return that changes based on how the selected investments perform. With a variable annuity, clients can invest in one product with multiple options and direct money into variable investment options based on how much risk they want to take.

Variable annuities offer :

  • Tax–deferred growth in the accumulation phase (earnings are taxed as ordinary income when withdrawn and there is a 10% federal tax penalty on withdrawals before age 59½)

  • Death benefits for beneficiaries

  • Tax-free/penalty-free transfers among investment options

  • A variety of payout options, which include systematic withdrawals and annuitization

Check out the 5-minute guide to variable annuities  (PDF) to learn more variable annuities.

Before purchasing a variable annuity, your client should carefully consider the investment objectives, risks, charges and expenses of the annuity and its underlying investment options. This and other important information is contained in the fund's prospectus, which can be obtained by contacting Nationwide. Read the prospectus carefully before you make a purchase.

Please remember, variable annuities are long-term investment vehicles and are not intended to replace emergency funds or to fund short-term savings goal. Investment return and principal value will fluctuate and your client may experience a gain or loss when money is withdrawn. Taxable amounts withdrawn prior to age 59-½ may be subject to a 10% federal tax penalty. Withdrawals  will reduce the value of the death benefit and any optional benefits. As with any investment, annuities have limitations.

Client’s investment return, principal value and periodic payments will fluctuate over time, and they could end up with more or less than the amount invested.

Investment products offered are not FDIC-insured, may lose value, have no bank guarantee.

Annuities issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

Producers must be appropriately registered and licensed in the states in which they conduct business in order to offer the referenced products.