10% Nationwide Lifetime Income Rider

The rider provides a guaranteed lifetime income.,The Joint Option for the 10% Nationwide Lifetime Income Rider is only available for election if and when the 10% Nationwide Lifetime Income Rider is elected. Joint Option for the 10% Nationwide Lifetime Income Rider is not available in NY. For contracts issued in NY, owner or annuitant must be between age 50 and 85 at contract issue. If, after beginning the lifetime income withdrawals, the contract value falls to zero, the contract owner has three options as follows: (1) continue withdrawals of no more than the LIB until the death of the contract owner; (2) elect the Age Based Lump Sum Settlement Option; or (3) elect the Underwritten Lump Sum Settlement Option.