Registered index-linked annuity · SEC-registered · defined downside design
Nationwide Defender Annuity
Issued by Nationwide Life Insurance Company
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 20% buffer |
|---|---|---|
| S&P 500 | ||
| 1-yearPoint-to-point | 18% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | 12% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 20% |
| 3-yearPoint-to-point | 85% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | 45% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 20% |
| 6-yearPoint-to-point | Not published Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | 100% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 20% |
| Russell 2000 | ||
| 1-yearPoint-to-point | 21% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | — |
| 3-yearPoint-to-point | Not published Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | — |
| 6-yearPoint-to-point | 105% participation Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | — |
| MSCI EAFE | ||
| 1-yearPoint-to-point | 15% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | — |
| Nasdaq-100 | ||
| 1-yearPoint-to-point | 19% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | — |
| S&P MidCap 400 | ||
| 1-yearPoint-to-point | 24% cap Segment detailsMinimum cap: 0.05%Minimum participation: 100%Minimum buffer: 10% | — |
| Fixed account | ||
| 1-year · Declared rate | 4% fixedSegment detailsMinimum fixed-account rate: 1% | |
Showing 12 of 12 indexed segments.
Menu combined from 3 published rate instances (6 + 3 + 3 segments). Published share classes: B Share; the source does not map each rate instance to a share class.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- A defined-protection strategy menu gives Nationwide Defender Annuity buyers a choice of market-linked segments rather than a single declared return.
- Index and term choices are grouped on the page so each market and time horizon can be compared without duplicate listings for premiums or states.
- The contract is positioned around tax-deferred accumulation and selectable risk/return trade-offs rather than a principal guarantee.
What to confirm
- This registered index-linked annuity can lose money. Its downside rule limits specified segment losses; it does not make principal fully protected.
- A buffer means the insurer absorbs the first stated percentage of loss. A floor means the buyer’s segment loss is capped at the stated percentage. They are not interchangeable.
- Caps, participation rates, spreads, strategy fees, and protection levels can vary by segment, term, state, and premium band and can change for new segments.
- Early withdrawals can be affected by surrender charges, market value adjustments, and interim value calculations apart from the index result.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 15, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantNationwide Life Insurance Company
SEC CIK0001127203
File numbers333-289519
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
51 published jurisdictions. Not available in New York, Oregon, or the U.S. Virgin Islands.