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The CDSC schedule aligns with the selected guarantee period. Each guarantee period has its own schedule. After the term ends, CDSC expires, but a new schedule begins if funds are reinvested into a new guarantee period.

Pays out the current contract value (premium + interest – prior withdrawals and MVA, if any) at the time Nationwide receives complete paperwork. Probate may be avoided with proper beneficiary designation.

Waivers for surrender charges apply if the annuitant dies, is confined to a long-term care facility for 180 days, annuitizes after two years, or takes required minimum distributions from an IRA. MVA still applies except in the case of death .

Up to 10% of contract value may be withdrawn annually (noncumulative); minimum withdrawal is $100. This is subject to MVA. Withdrawals from the Transition Account are CDSC- and MVA-free.

Available for Nonqualified, IRA, Roth IRA, SEP IRA, SIMPLE IRA, CRT, and 401(a) investment-only accounts.

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.

After the end of a selected guarantee period, funds move to a Transition Account that earns minimal interest. The owner can reinvest into a new term, starting a new MVA and CDSC schedule.

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 over the free allowance during the CDSC period incur charges. For the 5-year term, CDSC schedule is 7%, 7%, 6%, 5%, 4%; for 7-year term, it’s 7%, 7%, 6%, 5%, 4%, 3%, 2%. Waived for amounts under 10%, RMDs, annuitization, death, nursing home confinement (90-day), or terminal illness.

Return of Purchase Payment rider included; no MVA available in New York.

There are no annual contract or administrative fees. Withdrawals during the CDSC period may incur surrender charges.  

Pays the contract value to beneficiaries at the annuitant’s death, which bypasses probate.

Waivers included for RMD, annuitization, death, terminal illness, and 90-day nursing home confinement.

Policy allows 10% of contract value annually without charge. Waivers are available for RMDs, annuitization, death, terminal illness, and nursing home confinement.

These NY versions are available as Non‑qualified, IRA, Roth IRA, SEP IRA, SIMPLE IRA, 401(a), and CRT.

Nationwide Secure Growth 5 ROP (NY) and 7 ROP (NY) are New York‑specific, single‑purchase‑payment deferred fixed annuities with a Return of Purchase Payment Guarantee. These annuities provide conservative investors with tax‑deferred growth, a fixed interest rate for 5 or 7 years, and a guarantee to return the full premium—minus any withdrawals and applicable state taxes—if surrendered during the CDSC period. The NY versions adhere to state regulations, including a higher minimum guaranteed rate and a lower maximum issue age.

After the initial 5- or 7-year term, annual renewal interest is declared, not falling below New York’s minimum guaranteed rate of 3.00%.

Contract value minus any CDSC. The ROP rider ensures return of principal (less withdrawals and state taxes) if fully surrendered during CDSC.

 are New York‑specific, single‑purchase‑payment deferred fixed annuities with a Return of Purchase Payment Guarantee. These annuities provide conservative investors with tax‑deferred growth, a fixed interest rate for 5 or 7 years, and a guarantee to return the full premium—minus any withdrawals and applicable state taxes—if surrendered during the CDSC period. The NY versions adhere to state regulations, including a higher minimum guaranteed rate and a lower maximum issue age.

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

Market Value Adjustment is included by default. ROP is not available with MVA.

There are no annual contract or administrative fees. However, early withdrawals during the CDSC period may trigger a surrender charge and a market value adjustment.

The death benefit equals the contract value at the time of death, calculated as premium paid plus interest earned minus prior withdrawals. Beneficiaries may bypass probate if properly named.

Penalty-free withdrawal benefits for RMDs, death, annuitization, terminal illness, and long-term care (if qualified and available).

Withdrawals up to 10% of the contract value annually are free from surrender charges and MVA. Penalty-free withdrawals also apply to RMDs, death, annuitization, and qualifying health conditions (terminal illness and long-term care, where available).

Nonqualified, IRA, Roth IRA, SEP IRA, SIMPLE IRA, 401(a), and charitable remainder trust (CRT).

This version provides guaranteed interest rates for a fixed term while applying a Market Value Adjustment to withdrawals exceeding the free allowance during the CDSC period. The MVA may increase or decrease the surrender value based on interest rate movements. It does not include the Return of Purchase Payment Guarantee. The contract renews annually after the initial guarantee period, at no less than the minimum guaranteed rate.

After the initial 5- or 7-year interest rate guarantee period ends, the contract enters an annually renewable rate period, with the renewal rate never falling below the 0.50% guaranteed minimum.

Equals the contract value minus applicable CDSC and any market value adjustment. If interest rates have risen since the contract began, the MVA may reduce the surrender value. If rates have fallen, MVA may increase it.

 are single-purchase-payment deferred fixed annuities offering guaranteed interest over a 5- or 7-year term, with a built-in Market Value Adjustment (MVA) feature. These annuities are tailored for risk-averse individuals who want the potential for slightly higher fixed interest rates in exchange for market-sensitive withdrawal value adjustments during the surrender charge period.

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.

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 above the free withdrawal amount during the CDSC period will incur charges. Charges are based on the amount withdrawn and apply during the first 5 or 7 contract years, depending on the term selected. After the CDSC period ends, the contract is fully liquid with no penalties.

Not applicable for this base version. No MVA or ROP included.

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

Waivers for RMDs, annuitization, long-term care, terminal illness (where approved), and death.

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.

Available contracts include Nonqualified, IRA, Roth IRA, SEP IRA, SIMPLE IRA, 401(a) and charitable remainder trust (CRT).

Secure Growth 5 and 7 provide guaranteed interest over a fixed term. During the surrender charge period, early withdrawals above the 10% free allowance are subject to a contingent deferred sales charge. The policy includes free withdrawal provisions, a standard death benefit, and penalty waivers for qualified events such as RMDs, terminal illness, or long-term care. At the end of the initial term, the annuity continues to earn interest at an annually declared rate not lower than the guaranteed minimum.

After the selected guarantee period ends (5 or 7 years), the contract earns an annually declared renewal rate, which is subject to change but not below the guaranteed minimum rate of 0.50%.

Equal to the contract value minus applicable CDSC and, if elected, any market value adjustment. In this version, MVA is not applicable.

 are single-purchase-payment deferred fixed annuities designed to provide stable, tax-deferred growth over a 5- or 7-year interest rate guarantee period. These products are built for conservative investors who value principal protection and guaranteed returns without exposure to market volatility. The base version includes no Market Value Adjustment (MVA) or Return of Purchase Payment (ROP) rider, offering straightforward accumulation with flexible income and withdrawal options.

Nationwide Life – Platinum Edge (3-, 4-, 5-, 6-, 7-, 8-, 9- & 10-year terms)

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

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

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

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

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