5% Nationwide Lifetime Income Rider

The rider provides a guaranteed lifetime income.,The Joint Option for the 5% Nationwide Lifetime Income Rider is only available for election if and when the 5% Nationwide Lifetime Income Rider is elected. 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. The Joint Option not available for beneficially owned contracts and CRT.