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Withdrawals from a Guaranteed Period Option prior to its Maturity Date may be subject to a CDSC (declining by year and reaching 0% at the end of the term) and will be subject to an MVA. At the end of the guarantee period (maturity), withdrawals/transfers can be done without MVA/CDSC. 

 (built-in benefit; not always offered as a separate rider)

None. No annual maintenance or policy fees.

If the owner dies before annuitization, beneficiaries generally receive the contract value as the death benefit. Death benefit rules and payout methods are subject to contract provisions and may vary by state and plan type.

 Waives surrender charges for qualifying confinement (state availability may vary; MVA may apply).

 Waives surrender charges for qualifying terminal illness (state availability may vary; MVA may apply).

 Annuitization may waive surrender charges after a required waiting period (MVA may apply; varies by state). 

Platinum Edge allows annual free withdrawals of up to 10% of the contract value (non-cumulative) without surrender charges, but withdrawals from a guarantee period may still be subject to an MVA. Minimum withdrawal amounts and procedural requirements apply.

Platinum Edge® provides guaranteed interest rates over selected multi-year periods ranging from 3 to 10 years. The contract allows flexible contributions (subject to minimums) and includes a Market Value Adjustment (MVA) if withdrawals are made during the surrender charge period. Partial free withdrawals are permitted annually, and the annuity can be annuitized for income. The policy includes a death benefit, CDSC waiver features for specific qualifying events, and a transition account for post-maturity funds.

At maturity, owners can surrender or transfer without MVA/CDSC. If no election is made, matured funds transfer to the Transition Account.

Equals contract value minus applicable contingent deferred sales charges (CDSC) and market value adjustment (MVA). MVA may increase or decrease value depending on interest rate movements.

 is a flexible-purchase-payment modified guaranteed annuity. It is designed for individuals who want to earn higher guaranteed interest than traditional fixed investments while preserving their principal. With multiple term lengths (3 to 10 years), it offers tax-deferred growth, guaranteed rates if held to term, and the ability to structure retirement income over time. It includes a Market Value Adjustment (MVA), which can positively or negatively affect early withdrawal value. Ideal for conservative investors comfortable holding funds through a fixed term.

Withdrawals above the free-withdrawal amount, or full surrender during the charge period, are subject to surrender charges (CDSC). The rate sheet shows surrender charge schedules by term, declining to 0% after the term ends.

Return of Purchase Payment Guarantee (ROP)

 (optional rate version): If elected and the contract is fully surrendered during the CDSC period, the owner receives a return of principal, less previous withdrawals and applicable state taxes; surrender charges are taken from interest, not principal. (ROP not available with MVA.)

Paid as the contract value at death (purchase payment + interest − withdrawals, per contract value mechanics).

Product materials indicate waiver features may apply for qualifying events 

(availability varies by state; the guide notes limitations for CA/NY for some features).

Up to 10% of total contract value annually may be available without surrender charges.

Nationwide Secure Growth® is a single-purchase-payment deferred fixed annuity that credits a fixed guaranteed interest rate for the chosen guarantee period. Funds grow tax-deferred during the term. The contract includes penalty-free withdrawal provisions (up to the product’s stated limit) and applies surrender charges (and possible MVA, depending on version) if withdrawals exceed the free-withdrawal allowance during the charge period. The ROP option is optional and not available with the Market Value Adjustment (MVA) version.

Rates are guaranteed for the selected period; after the period ends, the contract renews per the declared renewal rate and terms.

Surrender value is the contract value minus any applicable surrender charges (and MVA if applicable—though 

 is a single-purchase-payment deferred fixed annuity designed for clients who want principal protection, tax-deferred growth, and a guaranteed interest rate for a selected term. 

The Return of Purchase Payment Guarantee (ROP)

 option is an available rate feature intended to support principal protection if the contract is fully surrendered during the surrender-charge period (subject to the product’s ROP rules and reductions for prior withdrawals and applicable state taxes).

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the CDSC period, are subject to CDSC. If the contract includes an MVA, any amount withdrawn in excess of the remaining free withdrawal amount is subject to both CDSC and MVA (if applicable). The MVA may be positive, negative, or zero and may increase or decrease what the owner receives, generally depending on interest rate movements.

If withdrawals exceed the free withdrawal allowance or occur before the end of the CDSC period, a surrender charge applies. 

• Return of Purchase Payment Rider (optional):

 Guarantees return of principal (minus previous withdrawals and applicable state premium taxes) when the entire contract value is surrendered during the CDSC period; CDSC is deducted from interest earned, not principal. There is no fee for the rider, but the interest rate may be lower.

The current rate sheet states the Return of Purchase Payment Guarantee is optional and not available with Market Value Adjustment 

None. There are no annual contract or administrative fees.

The contract supports beneficiary payout of the contract value (paid directly to the beneficiary). Penalty-free withdrawal criteria include “death benefit eligibility has been achieved.”

Long-term care and terminal illness waiver eligibility can provide penalty-free access once achieved; not available in California or New York.

You will not receive a withdrawal penalty if annual withdrawals do not exceed 10% of total contract value. Withdrawals above this amount during the CDSC period may be subject to CDSC and, if included in the contract, an MVA.

, IRA, Roth IRA, SEP IRA, SIMPLE IRA, 401(a), and Charitable Remainder Trust (CRT).

Nationwide Secure Growth is a Single Premium Deferred Annuity (SPDA) funded with one purchase payment (no additional purchase payments). The owner selects a guarantee period (3, 4, 5, or 7 years), during which the contract credits a fixed interest rate and grows tax-deferred. Each year the contract provides penalty-free access to a portion of the contract value. Withdrawals above the penalty-free amount during the CDSC period may be subject to contingent deferred sales charges (CDSC) and—if the contract is issued with MVA—an MVA that can be positive, negative, or zero. After the guarantee period ends, the contract renews to an annual renewal rate.

After the term ends, the rate can change at the end of the term and then annually (annual renewal rate).

The surrender value is the contract value minus any applicable CDSC and, if applicable, MVA on amounts withdrawn in excess of the remaining free withdrawal amount during the CDSC period.

 is a single-purchase-payment deferred fixed annuity designed for conservative savers who want fixed, guaranteed interest growth with tax deferral and protection from market volatility. It offers 3-, 4-, 5-, and 7-year guarantee periods, providing predictable accumulation over a defined time horizon while maintaining principal protection. 

This entry represents the Market Value Adjustment (MVA) version

, which means withdrawals above the annual free-withdrawal amount during the surrender-charge period may also be adjusted by an MVA that can be positive, negative, or zero based on interest rate movements.

Withdrawals above the 10% free withdrawal allowance are subject to a contingent deferred sales charge. These charges apply only during the CDSC period. The Return of Purchase Payment rider guarantees that surrendering the contract early will still return the original premium (minus withdrawals and taxes), with CDSC deducted only from interest credited, not principal.

Return of Purchase Payment Guarantee is included by default in this version. This rider ensures return of principal (less prior withdrawals and taxes) if the contract is fully surrendered during the CDSC period.

There are no annual contract or administrative fees.

Return of the current contract value, paid directly to beneficiaries, bypassing probate where applicable.

Waivers available for nursing home confinement and terminal illness at no additional cost, with a maximum eligibility age of 80.

10% of the contract value is available annually without charge; this resets every contract year and is noncumulative. RMDs, annuitization, and death benefit distributions are also exempt from surrender charges.

Nonqualified, IRA, Roth IRA, SEP IRA, SIMPLE IRA, Beneficially Owned/Inherited IRA and Roth IRA.

Both the 5-year and 7-year Return of Purchase Payment (ROP) options offer fixed interest rates and return of premium features. If the contract is surrendered during the CDSC period, the owner is guaranteed the return of their initial purchase payment (minus prior withdrawals and applicable state taxes). These versions do not include a Market Value Adjustment (MVA). At the end of the initial term, the contract renews at an annually declared interest rate, not less than the minimum guaranteed floor.

At the end of the 5- or 7-year interest rate guarantee period, the contract enters an annual renewal phase with a declared interest rate that cannot fall below the guaranteed floor of 0.50% (3.00% in NY).

Equals the contract value minus any applicable CDSC. With ROP, the surrender value will never be less than the purchase payment (minus prior withdrawals and applicable state premium taxes).

are single-purchase-payment deferred fixed annuities that include a Return of Purchase Payment Guarantee. These products are designed for individuals seeking guaranteed growth while preserving the full return of their principal if they surrender the contract early. They provide fixed interest over a 5- or 7-year term and are ideal for conservative investors who prioritize protection and predictability in a retirement savings vehicle.

A Contingent Deferred Sales Charge applies when funds are withdrawn during the term in excess of the free withdrawal limit. The schedule for the 5-year version is typically 7%, 7%, 6%, 5%, 4%, and for the 7-year version is 7%, 7%, 6%, 5%, 4%, 3%, 2%. Withdrawals below 10%, or for RMDs, annuitization, death, nursing home confinement (90-day), or terminal illness, are not subject to CDSC.

Not included. This version does not offer MVA or Return of Purchase Payment Guarantee.

None. There are no annual contract or administrative fees. However, if you need to withdraw money from your contract during the contingent deferred sales charges (CDSC) period, a CDSC fee and a market value adjustment may apply.

Upon the death of the annuitant, the full contract value is paid to the designated beneficiary, bypassing probate where possible.

Includes waivers for RMDs, annuitization, death, long-term care confinement (90 days), and terminal illness (up to age 80), depending on state approval.

10% of the contract value may be withdrawn annually without incurring surrender charges. Free withdrawals are also permitted in cases of required minimum distributions (RMDs), annuitization, death, and qualifying long-term care or terminal illness (where approved by NY regulation).

Available as Non‑qualified, IRA, Roth IRA, SEP IRA, SIMPLE IRA, 401(a), and Charitable Remainder Trust (CRT) contracts.

These annuities offer guaranteed interest over a 5- or 7-year term. Upon the end of the guarantee period, the contract transitions into a renewal phase with annually declared rates. Withdrawals during the term may be subject to contingent deferred sales charges (CDSC), but free withdrawal provisions are available for a portion of the value annually, or in the case of death, annuitization, or qualifying health conditions. These versions follow New York’s restrictions—meaning no MVA is applied, and guaranteed interest rates never fall below 3.00%.

After the initial 5- or 7-year guarantee period ends, the contract earns a declared interest rate annually, which cannot fall below the 3.00% minimum guaranteed rate in New York.

The surrender value equals the contract value minus any applicable CDSC. No MVA applies in NY versions. No guaranteed return of premium.

 are individual, single-purchase-payment deferred fixed annuities specifically designed for New York residents. These products offer guaranteed interest rates for either a five-year or seven-year period, safeguarding both principal and interest. They are structured to help conservative investors grow assets securely, with protection from market risk and tax-deferred accumulation. Upon contract maturity, investors can choose to renew, annuitize, or take a lump-sum distribution.

Withdrawals exceeding the 10% annual free-withdrawal limit, or a full surrender during the surrender-charge period, are subject to surrender charges. This version does not apply a Market Value Adjustment (MVA). Charges decline each year until reaching 0% at the end of the term.

Return of Purchase Payment Rider (optional): If elected, it guarantees return of principal (minus previous withdrawals and applicable state premium taxes) when the entire contract value is surrendered during the CDSC period. The CDSC is taken from interest earned, not principal. There is no rider fee, but the interest rate may be lower.

None. Nationwide Secure Growth has no annual contract or administrative fees.

The death benefit is the current contract value at the time of the annuitant’s death, determined by adding interest earned to the purchase payment minus any previous withdrawals. 

Long-term care and terminal illness waivers may allow penalty-free withdrawals if eligibility has been achieved; not available in California or New York.

Annual withdrawals do not exceed 10% of total contract value. Withdrawals are also allowed without penalty if eligibility is met for long-term care and terminal illness waivers (not available in California or New York), required minimum distributions (RMDs), annuitization, or death benefit distributions.

Withdrawals above the 10% annual free-withdrawal amount (or full surrender) during the CDSC period are subject to a CDSC, and may also be subject to a Market Value Adjustment (MVA) if the contract is issued with an MVA feature. The MVA can be positive, negative, or zero: generally, rising interest rates tend to create a negative MVA (reducing withdrawal proceeds), while falling interest rates tend to create a positive MVA (increasing withdrawal proceeds). 

After each interest-rate guarantee period expires, the contract renews at an annual renewal rate.

The surrender value equals the contract value minus any applicable surrender charges (CDSC) if a withdrawal exceeds the free-withdrawal amount or if the contract is surrendered during the surrender-charge period. This Non-MVA version does not apply a Market Value Adjustment.

 is a single-purchase-payment deferred fixed annuity designed for risk-averse clients who want principal protection, tax-deferred growth, and a guaranteed fixed interest rate insulated from market volatility. It offers multiple interest-rate term choices (3-, 4-, 5-, and 7-year) and optional features that can customize the contract, making it easier to position as a straightforward alternative to traditional fixed options while still providing competitive guaranteed rates.

Nationwide Life – Platinum Edge

Nationwide – Secure Growth® Fixed Annuity (ROP)

Nationwide – Secure Growth® Fixed Annuity (MVA)

Nationwide Life – Secure Growth (ROP) (5- & 7-year terms)

Nationwide Life – Secure Growth (NY) (5- & 7-year terms)

Nationwide – Secure Growth® Fixed Annuity (Non-MVA)