What is the minimum guaranteed surrender value for Nationwide Life – Secure Growth (ROP) (3-, 4-, 5-, & 7-year terms)?

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.

What is the minimum premium amount for Nationwide Life – Secure Growth (ROP) (3-, 4-, 5-, & 7-year terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Nationwide Life – Secure Growth (ROP) (3-, 4-, 5-, & 7-year terms)?

The maximum issue age is 90 years.

What is the current interest rate for Nationwide Life – Secure Growth (ROP) (3-, 4-, 5-, & 7-year terms)?

The current interest rate is 3.35%.

What is the surrender charge schedule for Nationwide Life – Secure Growth (ROP) (3-, 4-, 5-, & 7-year terms)?

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.

What are the best rates available for Nationwide Life – Secure Growth (ROP) (3-, 4-, 5-, & 7-year terms)?

The best available rate is 4.15% for a 7 year term.

Nationwide Life Insurance Company

Nationwide Life – Secure Growth (ROP) (3-, 4-, 5-, & 7-year terms)

About this product

Nationwide Secure Growth® 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).

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	3.85%
4 Years	3.95%
5 Years	4.10%
7 Years	4.15%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	3.35%
$100,000.00 - $1,000,000.00	3.85%

Features
Maximum Issue Age	90 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage