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Fixed Annuities Offer an Investment with a Guarantee

Fixed annuities are a popular choice for individuals who want a guaranteed interest rate and a stream of income they can’t outlive. With a fixed annuity, the principal investment and a specified interest rate are both guaranteed. Certain restrictions apply. Guarantees are subject to the claims paying ability of Nationwide Life Insurance Company.

Annuities are a contract you purchase from an insurance company to help you accumulate assets for retirement. Please keep in mind 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.

Fixed annuity features

Some of the advantages of fixed annuities include:

  • Minimal investment risk exposure
  • A tax deferral on earnings
  • Access to your money (Withdrawals made before age 59½ are generally subject to a 10% early withdrawal federal tax penalty, in addition to ordinary income tax, and a contingent deferred sales charge – CDSC – may apply)
  • Death benefits for your beneficiaries

For additional details about fixed annuities, read the 5-minute guide to fixed annuities .

Fixed annuities

Product features and availability vary by state.

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

Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation, member FINRA. The Nationwide Retirement Institute is a division of NISC. Nationwide Funds distributed by Nationwide Fund Distributors, LLC, Member FINRA. King of Prussia, PA. Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation, and Nationwide Fund Distributors are separate but affiliated companies.

The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. It also includes trust programs and trust services offered by Nationwide Trust Company, FSB a division of Nationwide Bank ® .

Nationwide, the Nationwide N and Eagle, The Nationwide Retirement Institute, Nationwide is on your side and Nationwide Funds Group are service marks of Nationwide Mutual Insurance Company. Let’s Face it Together is a service mark of Nationwide Life Insurance Company.

©2016 Nationwide Mutual Insurance Company and affiliated companies

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