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Defender Calculator
 * About Defender
 * Discussion Guide
 * Index Options
 * Backed By Nationwide
 * What are RILAs?
 * FAQs


Defender Calculator

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Nationwide DefenderSM annuity


THE GROWTH POTENTIAL INVESTORS NEED.
THE PROTECTION THEY WANT.

An investor's retirement should be on their terms—and with the Nationwide
Defender registered index-linked annuity, it can be.

Providing a range of index, buffer protection and term options, Nationwide
Defender offers growth potential with protection against downside risk.

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CALCULATE POTENTIAL RETURNS

See how the Nationwide Defender Annuity could perform in different scenarios.

Use the calculator


A STRONG FOUNDATION

Standing on our strong foundation of nearly 100 years of working with our
partners to protect what's most important to our members—Nationwide has been
able to overcome and prevail through dynamic times. As a Fortune 100 company,
our stable and diversified portfolio enables us to outgrow competitors and
explore initiatives that transform the industry.

Learn more



QUESTIONS? WE'RE HERE TO HELP.

Call the Nationwide Annuity Solutions Center at 1-800-321-6064 or visit our FAQs
to learn more.

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 * About Defender|
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 * What is a RILA?|
 * FAQs

Nationwide DefenderSM Annuity is not available in: MO, NE, NY, OR, VA, VI

• Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution
• Not insured by any federal government agency • May lose value

This material is not a recommendation to buy or sell a financial product or to
adopt an investment strategy. Investors should discuss their specific situation
with their financial professional.

This product is sold by prospectus. This material must be preceded or
accompanied by the prospectus. Carefully consider the investment objectives,
risks, charges and expenses. The product prospectus contains this and other
important information. Investors should read them carefully before investing. To
request a copy, go to nationwide.com/prospectus or call 1-800-848-6331.

When evaluating the purchase of an annuity, your clients should be aware that
annuities have limitations. They are long-term vehicles designed for retirement
purposes. They are not intended to replace emergency funds, to be used as income
for day-to-day expenses or to fund short-term savings goals. Please read the
prospectus for complete details. Withdrawals are subject to income tax, and
withdrawals before age 59½ may be subject to a 10% early withdrawal federal tax
penalty.

Nationwide Defender is an individual single-purchase-payment deferred annuity
with index-linked strategies issued by Nationwide Life Insurance Company,
Columbus, Ohio. The general distributor is Nationwide Investment Services
Corporation, member FINRA, Columbus, Ohio. A RILA does not directly invest in an
index. A RILA includes index strategies which follow market performance;
however, they are not actual investments in the stock market.

Guarantees and protections referenced within are subject to the claims-paying
ability of Nationwide Life Insurance Company.

The "S&P 500" is a product of S&P Dow Jones Indices LLC ("SPDJI") and has been
licensed for use by Nationwide Life Insurance Company ("Nationwide"). Standard &
Poor's®, S&P® and S&P 500® are registered trademarks of Standard & Poor's
Financial Services LLC ("S&P"); DJIA®, The Dow®, Dow Jones® and Dow Jones
Industrial Average® are trademarks of Dow Jones Trademark Holdings LLC ("Dow
Jones"); and these trademarks have been licensed for use by SPDJI and
sublicensed for certain purposes by Nationwide. Nationwide Defender Annuity is
not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their
respective affiliates, and none of such parties make any representation
regarding the advisability of investing in such product(s), nor do they have any
liability for any errors, omissions or interruptions of the S&P 500.

The product referred to herein is not sponsored, endorsed or promoted by MSCI,
and MSCI bears no liability with respect to any such product or any index on
which such product is based. The Contract contains a more detailed description
of the limited relationship MSCI has with Nationwide and any related funds.

The Russell 2000 Index is an equity index that measures the performance of the
2,000 smallest companies in the Russell 3000 Index, which is made up of 3,000 of
the biggest U.S. stocks. The Russell 2000 Index is constructed to provide a
comprehensive and unbiased small-cap barometer and is completely reconstituted
annually to ensure larger stocks do not affect the performance and
characteristics of the true small-cap index.

The product referred to herein is not sponsored, endorsed or promoted by
Russell, and Russell bears no liability with respect to any such product or any
index on which such product is based. The Contract contains a more detailed
description of the limited relationship Russell has with Nationwide and any
related funds.

The NASDAQ-100 Index® includes 100 of the largest domestic and international
nonfinancial securities listed on The NASDAQ Stock Market® based on market
capitalization. NASDAQ®, and Nasdaq-100 Index®, are registered trademarks of
Nasdaq Inc. (which with its affiliates is referred to as the "Corporations") and
are licensed for use by Nationwide. The Product(s) have not been passed on by
the Corporations as to their legality or suitability. The Product(s) are not
issued, endorsed, sold or promoted by the Corporations. THE CORPORATIONS MAKE NO
WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Neither Nationwide nor any of its affiliates are related to or affiliated with
Standard & Poor's, MSCI, Russell or Nasdaq. Nationwide, the Nationwide N and
Eagle, Nationwide is on your side and Nationwide Defender are service marks of
Nationwide Mutual Insurance Company.



NFW-11967AO