Registered index-linked annuity
Defined Protection Annuity 2.0
Nationwide Life Insurance Company RILA details from the AdvisorWorld CANNEX public API. Review buffers, floors, crediting rates, premium bands, liquidity, and documents before comparing this product with FIA or MYGA options.
Scenario used for current rows
$100,000 premium, issue age 60, Texas unless the product is state-restricted.
RILA contracts can offer index-linked upside with a stated buffer, floor, or downside participation rule. They can still lose value under market and contract conditions, and they are not MYGA-style fixed-rate guarantees.
Product data status: July 14, 2026
Source: AdvisorWorld public product detail from CANNEX. Rates vary by state, premium band, issue age, index segment, and crediting term. RILA buffers, floors, downside participation, caps, participation rates, fixed rates, and spreads are separate point-in-time contract mechanics; they can change and are not guaranteed yields. Educational only; not advice, a quote, or a carrier-approved illustration. Confirm the current prospectus, state filing, and carrier materials before purchase. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured.
Floor
0%
J.P. Morgan Mozaic II Index · 1-year term · Strategy B 100% Protection Level · A
Downside floor for the listed segment; it is a protection rule, not a fixed credited rate.
Participation
385%
SG Macro Compass Index · 3-year term · Strategy A 90% Protection Level · 3Y
Share of positive index return used by the listed segment, before any applicable caps, spreads, or fees.
Fixed
4%
Fixed Account · 1-year term · FX · D
Fixed account option shown with this RILA package; read separately from indexed crediting segments.
Spread
0%
J.P. Morgan Mozaic II Index · 1-year term · Strategy B 90% Protection Level · A
Spread applied to the listed index-linked segment; read with the index, term, cap or participation rule.
Strategy rows
97
Rows can vary by index, segment term, premium band, and state rules.
State coverage
51
Jurisdictions
Availability should be confirmed for the client's state and contract version.
Current RILA strategy terms
Scenario: $100,000 premium, issue age 60, Texas unless state-restricted. Source: AdvisorWorld CANNEX RILA detail, last scan July 14, 2026.
BlackRock Select Factor Index
Strategy A 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
150%
Premium band not shown
BlackRock Select Factor Index
Strategy A 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
315%
Premium band not shown
BlackRock Select Factor Index
Strategy A 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
245%
Premium band not shown
BlackRock Select Factor Index
Strategy B 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
135%
Premium band not shown
BlackRock Select Factor Index
Strategy B 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
285%
Premium band not shown
BlackRock Select Factor Index
Strategy B 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
220%
Premium band not shown
BlackRock Select Factor Index
Strategy A 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
225%
Premium band not shown
BlackRock Select Factor Index
Strategy A 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
340%
Premium band not shown
BlackRock Select Factor Index
Strategy A 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
295%
Premium band not shown
BlackRock Select Factor Index
Strategy B 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
200%
Premium band not shown
BlackRock Select Factor Index
Strategy B 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
300%
Premium band not shown
BlackRock Select Factor Index
Strategy B 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
260%
Premium band not shown
Fixed Account
FX · 1-yr term
Protection
Not shown
Fixed
4%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy A 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
165%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy A 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
355%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy A 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
270%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy B 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
145%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy B 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
325%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy B 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
245%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy A 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
240%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy A 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
370%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy A 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
315%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy B 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
215%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy B 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
335%
Premium band not shown
J.P. Morgan Mozaic II Index
Strategy B 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
285%
Premium band not shown
MSCI EAFE Index
Strategy A 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
65%
Premium band not shown
MSCI EAFE Index
Strategy A 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
115%
Premium band not shown
MSCI EAFE Index
Strategy A 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
95%
Premium band not shown
MSCI EAFE Index
Strategy B 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
50%
Premium band not shown
MSCI EAFE Index
Strategy B 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
95%
Premium band not shown
MSCI EAFE Index
Strategy B 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
80%
Premium band not shown
MSCI EAFE Index
Strategy A 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
100%
Premium band not shown
MSCI EAFE Index
Strategy A 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
135%
Premium band not shown
MSCI EAFE Index
Strategy A 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
120%
Premium band not shown
MSCI EAFE Index
Strategy B 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
80%
Premium band not shown
MSCI EAFE Index
Strategy B 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
115%
Premium band not shown
MSCI EAFE Index
Strategy B 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
100%
Premium band not shown
NYSE Zebra Edge Index
Strategy A 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
155%
Premium band not shown
NYSE Zebra Edge Index
Strategy A 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
315%
Premium band not shown
NYSE Zebra Edge Index
Strategy A 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
250%
Premium band not shown
NYSE Zebra Edge Index
Strategy B 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
135%
Premium band not shown
NYSE Zebra Edge Index
Strategy B 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
285%
Premium band not shown
NYSE Zebra Edge Index
Strategy B 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
220%
Premium band not shown
NYSE Zebra Edge Index
Strategy A 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
215%
Premium band not shown
NYSE Zebra Edge Index
Strategy A 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
325%
Premium band not shown
NYSE Zebra Edge Index
Strategy A 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
280%
Premium band not shown
NYSE Zebra Edge Index
Strategy B 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
185%
Premium band not shown
NYSE Zebra Edge Index
Strategy B 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
290%
Premium band not shown
NYSE Zebra Edge Index
Strategy B 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
245%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy A 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
60%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy A 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
100%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy A 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
85%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy B 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
50%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy B 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
90%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy B 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
75%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy A 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
85%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy A 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
110%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy A 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
100%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy B 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
75%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy B 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
100%
Premium band not shown
S&P 500 Average Daily Risk Control Price Return Index
Strategy B 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
90%
Premium band not shown
S&P 500 Index
Strategy A 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
60%
Premium band not shown
S&P 500 Index
Strategy A 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
90%
Premium band not shown
S&P 500 Index
Strategy A 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
75%
Premium band not shown
S&P 500 Index
Strategy B 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
45%
Premium band not shown
S&P 500 Index
Strategy B 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
75%
Premium band not shown
S&P 500 Index
Strategy B 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
60%
Premium band not shown
S&P 500 Index
Strategy A 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
80%
Premium band not shown
S&P 500 Index
Strategy A 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
100%
Premium band not shown
S&P 500 Index
Strategy A 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
90%
Premium band not shown
S&P 500 Index
Strategy B 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
65%
Premium band not shown
S&P 500 Index
Strategy B 90% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
80%
Premium band not shown
S&P 500 Index
Strategy B 95% Protection Level · PP · 3-yr term
Protection
Not shown
Participation
75%
Premium band not shown
SG Macro Compass Index
Strategy A 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
160%
Premium band not shown
SG Macro Compass Index
Strategy A 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
350%
Premium band not shown
SG Macro Compass Index
Strategy A 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
265%
Premium band not shown
SG Macro Compass Index
Strategy B 100% Protection Level · PP · 1-yr term
Floor
0%
Participation
140%
Premium band not shown
SG Macro Compass Index
Strategy B 90% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
320%
Premium band not shown
SG Macro Compass Index
Strategy B 95% Protection Level · PP · 1-yr term
Protection
Not shown
Participation
240%
Premium band not shown
SG Macro Compass Index
Strategy A 100% Protection Level · PP · 3-yr term
Floor
0%
Participation
245%
Premium band not shown
Liquidity
Free withdrawal: 10%/yr
Surrender rows shown: 6
Premium range
Minimum: Not shown
Maximum: Not shown
Documents
No carrier documents were returned with this product detail request.
Structured product features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2
Nursing home waiver, Terminal illness waiver
Death benefit
Return of Premium DB
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Fixed account guarantee
0.25%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
5.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Maximum protection floor
25.00%
Maximum protection floor: 25.00%
Maximum spread
6.50%
Maximum spread: 6.50%
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.