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Overview

If you want help protecting your retirement assets from losing value…

The ELM^sm Index Annuity, issued by Nationwide® Life Insurance Company protects your account value from loss each contract year. It also offers you upside potential of annual interest credits linked to the annual performance of the S&P 500 Composite Stock Index*, without dividends and distributed capital gains.

Is it right for you?

The ELM Index Annuity may be right for individuals who:

• Are in or nearing retirement.
• Want more opportunity than may be offered by current fixed rates.
• Need to protect the assets they already have.

Keep in mind the ELM Index Annuity is a long term vehicle designed for retirement. You always have full access to your entire account balance, but withdrawals during the first seven years may be subject to an early withdrawal fee. If you’re not yet 59½, you may also have to pay an additional 10% income tax penalty on top of ordinary income taxes. Naturally, if you do take an early withdrawal, your death benefit and cash value will be reduced. Additionally, withdrawals or surrenders prior to the expiration of an index period will result in no index participation for such amounts for that period.

Guarantees and protections of the ELM Index Annuity are backed by the claims-paying ability of Nationwide Life Insurance Company, Columbus, Ohio.

* “Standard & Poor’s®,” “S&P®,” “S&P 500®” and Standard & Poor’s 500, and 500 are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Nationwide Life Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the product.

ELM Index Annuity is issued by Nationwide Life Insurance Company, Columbus, Ohio, a member of Nationwide Financial®.

Nationwide, Nationwide Financial, the Nationwide framemark, and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company.

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