4.2
based on complex data
Annuity Educator Rating
Annuity review
Nationwide Defined Protection Annuity 2.0
The Nationwide Defined Protection Annuity 2.0 is a game-changer indeed. Gives you absolute control over your money, plus guaranteed protection from market volatility. Your golden years just got a whole lot brighter.
Time to stop worrying about the highs and lows of the market. Make a simple choice for a secure, stable and worry-free retirement. Go Nationwide today and secure your tomorrow!
Nationwide Defined Protection Annuity 2.0
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Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
8%
8%
7%
6%
5%
4%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, 401k, Traditional IRA, 401a, SEP IRA, IRA-Roth, SIMPLE IRA, NQ Stretch, and Roth Conversion (Full)
Launch Date
05/20/2024
The Nationwide Defined Protection Annuity 2.0 is a single purchase payment deferred annuity contract issued by Nationwide Life Insurance Company. In exchange for your investment, you’ll receive growth opportunities based on the performance of an underlying index and some protection, at a level you select, from negative performance.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Strategy |
Fixed
|
3.8%
Fixed
|
| 1-Year S&P 500 Average DRC 10% Strategy B with 100% Protection |
Point to Point
Annual
|
55%
Participation
|
| 3-Year NYSE Zebra Edge Strategy A with 90% Protection |
Point to Point
Triennial
|
270%
Participation
1%
Spread
|
| 1-Year S&P 500 Average DRC 10% Strategy B with 95% Protection |
Point to Point
Annual
|
80%
Participation
|
| 1-Year S&P 500 Average DRC 10% Strategy B with 90% Protection |
Point to Point
Annual
|
90%
Participation
|
| 1-Year SG Macro Compass Strategy B with 90% Protection |
Point to Point
Annual
|
310%
Participation
|
| 1-Year SG Macro Compass Strategy B with 95% Protection |
Point to Point
Annual
|
230%
Participation
|
| 1-Year SG Macro Compass Strategy B with 100% Protection |
Point to Point
Annual
|
135%
Participation
|
| 3-Year SG Macro Compass Strategy B with 95% Protection |
Point to Point
Triennial
|
280%
Participation
|
| 3-Year SG Macro Compass Strategy B with 90% Protection |
Point to Point
Triennial
|
335%
Participation
|
| 3-Year SG Macro Compass Strategy B with 100% Protection |
Point to Point
Triennial
|
220%
Participation
|
| 3-Year SG Macro Compass Strategy A with 100% Protection |
Point to Point
Triennial
|
250%
Participation
1%
Spread
|
| 3-Year SG Macro Compass Strategy A with 90% Protection |
Point to Point
Triennial
|
380%
Participation
1%
Spread
|
| 3-Year SG Macro Compass Strategy A with 95% Protection |
Point to Point
Triennial
|
320%
Participation
1%
Spread
|
| 1-Year SG Macro Compass Strategy A with 100% Protection |
Point to Point
Annual
|
155%
Participation
1%
Spread
|
| 1-Year SG Macro Compass Strategy A with 95% Protection |
Point to Point
Annual
|
260%
Participation
1%
Spread
|
| 1-Year SG Macro Compass Strategy A with 90% Protection |
Point to Point
Annual
|
345%
Participation
1%
Spread
|
| 1-Year NYSE Zebra Edge Strategy A with 90% Protection |
Point to Point
Annual
|
280%
Participation
1%
Spread
|
| 1-Year NYSE Zebra Edge Strategy A with 95% Protection |
Point to Point
Annual
|
210%
Participation
1%
Spread
|
| 1-Year NYSE Zebra Edge Strategy A with 100% Protection |
Point to Point
Annual
|
120%
Participation
1%
Spread
|
| 3-Year NYSE Zebra Edge Strategy A with 95% Protection |
Point to Point
Triennial
|
230%
Participation
1%
Spread
|
| 3-Year NYSE Zebra Edge Strategy A with 100% Protection |
Point to Point
Triennial
|
165%
Participation
1%
Spread
|
| 3-Year S&P 500 Average DRC 10% Strategy A with 95% Protection |
Point to Point
Triennial
|
90%
Participation
1%
Spread
|
| 3-Year S&P 500 Strategy A with 95% Protection |
Point to Point
Triennial
|
80%
Participation
1.5%
Spread
|
| 1-Year S&P 500 Strategy A with 100% Protection |
Point to Point
Annual
|
55%
Participation
1.5%
Spread
|
| 1-Year S&P 500 Strategy B with 90% Protection |
Point to Point
Annual
|
60%
Participation
|
| 1-Year S&P 500 Strategy B with 95% Protection |
Point to Point
Annual
|
50%
Participation
|
| 1-Year S&P 500 Strategy B with 100% Protection |
Point to Point
Annual
|
40%
Participation
|
| 3-Year S&P 500 Strategy B with 95% Protection |
Point to Point
Triennial
|
60%
Participation
|
| 3-Year S&P 500 Strategy B with 90% Protection |
Point to Point
Triennial
|
65%
Participation
|
| 3-Year S&P 500 Strategy B with 100% Protection |
Point to Point
Triennial
|
50%
Participation
|
| 3-Year S&P 500 Strategy A with 100% Protection |
Point to Point
Triennial
|
65%
Participation
1.5%
Spread
|
| 3-Year S&P 500 Strategy A with 90% Protection |
Point to Point
Triennial
|
85%
Participation
1.5%
Spread
|
| 3-Year S&P 500 Average DRC 10% Strategy B with 95% Protection |
Point to Point
Triennial
|
80%
Participation
|
| 1-Year S&P 500 Average DRC 10% Strategy A with 100% Protection |
Point to Point
Annual
|
60%
Participation
1%
Spread
|
| 1-Year S&P 500 Strategy A with 95% Protection |
Point to Point
Annual
|
65%
Participation
1.5%
Spread
|
| 1-Year S&P 500 Strategy A with 90% Protection |
Point to Point
Annual
|
80%
Participation
1.5%
Spread
|
| 1-Year S&P 500 Average DRC 10% Strategy A with 90% Protection |
Point to Point
Annual
|
105%
Participation
1%
Spread
|
| 1-Year S&P 500 Average DRC 10% Strategy A with 95% Protection |
Point to Point
Annual
|
90%
Participation
1%
Spread
|
| 3-Year S&P 500 Average DRC 10% Strategy A with 90% Protection |
Point to Point
Triennial
|
100%
Participation
1%
Spread
|
| 3-Year S&P 500 Average DRC 10% Strategy A with 100% Protection |
Point to Point
Triennial
|
80%
Participation
1%
Spread
|
| 3-Year S&P 500 Average DRC 10% Strategy B with 100% Protection |
Point to Point
Triennial
|
70%
Participation
|
| 3-Year S&P 500 Average DRC 10% Strategy B with 90% Protection |
Point to Point
Triennial
|
90%
Participation
|
| 1-Year BlackRock Select Factor Strategy B with 95% Protection |
Point to Point
Annual
|
210%
Participation
|
| 3-Year J.P. Morgan Mozaic II Strategy A with 95% Protection |
Point to Point
Triennial
|
310%
Participation
1%
Spread
|
| 3-Year J.P. Morgan Mozaic II Strategy A with 90% Protection |
Point to Point
Triennial
|
365%
Participation
1%
Spread
|
| 3-Year J.P. Morgan Mozaic II Strategy A with 100% Protection |
Point to Point
Triennial
|
250%
Participation
1%
Spread
|
| 3-Year J.P. Morgan Mozaic II Strategy B with 100% Protection |
Point to Point
Triennial
|
220%
Participation
|
| 3-Year J.P. Morgan Mozaic II Strategy B with 90% Protection |
Point to Point
Triennial
|
325%
Participation
|
| 3-Year J.P. Morgan Mozaic II Strategy B with 95% Protection |
Point to Point
Triennial
|
275%
Participation
|
| 1-Year J.P. Morgan Mozaic II Strategy B with 100% Protection |
Point to Point
Annual
|
140%
Participation
|
| 1-Year J.P. Morgan Mozaic II Strategy B with 95% Protection |
Point to Point
Annual
|
235%
Participation
|
| 1-Year J.P. Morgan Mozaic II Strategy B with 90% Protection |
Point to Point
Annual
|
315%
Participation
|
| 1-Year BlackRock Select Factor Strategy B with 90% Protection |
Point to Point
Annual
|
280%
Participation
|
| 1-Year J.P. Morgan Mozaic II Strategy A with 100% Protection |
Point to Point
Annual
|
160%
Participation
1%
Spread
|
| 1-Year BlackRock Select Factor Strategy B with 100% Protection |
Point to Point
Annual
|
130%
Participation
|
| 3-Year BlackRock Select Factor Strategy B with 95% Protection |
Point to Point
Triennial
|
255%
Participation
|
| 3-Year BlackRock Select Factor Strategy B with 90% Protection |
Point to Point
Triennial
|
295%
Participation
|
| 3-Year BlackRock Select Factor Strategy B with 100% Protection |
Point to Point
Triennial
|
205%
Participation
|
| 3-Year BlackRock Select Factor Strategy A with 100% Protection |
Point to Point
Triennial
|
235%
Participation
1%
Spread
|
| 3-Year BlackRock Select Factor Strategy A with 90% Protection |
Point to Point
Triennial
|
335%
Participation
1%
Spread
|
| 3-Year BlackRock Select Factor Strategy A with 95% Protection |
Point to Point
Triennial
|
290%
Participation
1%
Spread
|
| 1-Year BlackRock Select Factor Strategy A with 100% Protection |
Point to Point
Annual
|
145%
Participation
1%
Spread
|
| 1-Year BlackRock Select Factor Strategy A with 95% Protection |
Point to Point
Annual
|
235%
Participation
1%
Spread
|
| 3-Year MSCI EAFE Strategy B with 90% Protection |
Point to Point
Triennial
|
90%
Participation
|
| 3-Year NYSE Zebra Edge Strategy B with 100% Protection |
Point to Point
Triennial
|
140%
Participation
|
| 3-Year NYSE Zebra Edge Strategy B with 90% Protection |
Point to Point
Triennial
|
230%
Participation
|
| 3-Year NYSE Zebra Edge Strategy B with 95% Protection |
Point to Point
Triennial
|
195%
Participation
|
| 1-Year NYSE Zebra Edge Strategy B with 100% Protection |
Point to Point
Annual
|
100%
Participation
|
| 1-Year NYSE Zebra Edge Strategy B with 95% Protection |
Point to Point
Annual
|
180%
Participation
|
| 1-Year NYSE Zebra Edge Strategy B with 90% Protection |
Point to Point
Annual
|
245%
Participation
|
| 1-Year MSCI EAFE Strategy B with 90% Protection |
Point to Point
Annual
|
85%
Participation
|
| 1-Year MSCI EAFE Strategy B with 95% Protection |
Point to Point
Annual
|
70%
Participation
|
| 1-Year MSCI EAFE Strategy B with 100% Protection |
Point to Point
Annual
|
50%
Participation
|
| 3-Year MSCI EAFE Strategy B with 95% Protection |
Point to Point
Triennial
|
80%
Participation
|
| 1-Year BlackRock Select Factor Strategy A with 90% Protection |
Point to Point
Annual
|
310%
Participation
1%
Spread
|
| 3-Year MSCI EAFE Strategy B with 100% Protection |
Point to Point
Triennial
|
70%
Participation
|
| 3-Year MSCI EAFE Strategy A with 100% Protection |
Point to Point
Triennial
|
85%
Participation
1.5%
Spread
|
| 3-Year MSCI EAFE Strategy A with 90% Protection |
Point to Point
Triennial
|
110%
Participation
1.5%
Spread
|
| 3-Year MSCI EAFE Strategy A with 95% Protection |
Point to Point
Triennial
|
100%
Participation
1.5%
Spread
|
| 1-Year MSCI EAFE Strategy A with 100% Protection |
Point to Point
Annual
|
60%
Participation
1.5%
Spread
|
| 1-Year MSCI EAFE Strategy A with 95% Protection |
Point to Point
Annual
|
85%
Participation
1.5%
Spread
|
| 1-Year MSCI EAFE Strategy A with 90% Protection |
Point to Point
Annual
|
100%
Participation
1.5%
Spread
|
| 1-Year J.P. Morgan Mozaic II Strategy A with 90% Protection |
Point to Point
Annual
|
350%
Participation
1%
Spread
|
| 1-Year J.P. Morgan Mozaic II Strategy A with 95% Protection |
Point to Point
Annual
|
265%
Participation
1%
Spread
|
| 1-Year American Funds The Growth Fund of America Strategy A with 90% Protection |
Point to Point
Annual
|
60%
Participation
1.5%
Spread
|
| 3-Year American Funds The Growth Fund of America Strategy B with 100% Protection |
Point to Point
Triennial
|
40%
Participation
|
| 3-Year American Funds The Growth Fund of America Strategy B with 95% Protection |
Point to Point
Triennial
|
45%
Participation
|
| 3-Year American Funds The Growth Fund of America Strategy B with 90% Protection |
Point to Point
Triennial
|
50%
Participation
|
| 1-Year American Funds The Growth Fund of America Strategy B with 100% Protection |
Point to Point
Annual
|
30%
Participation
|
| 1-Year American Funds The Growth Fund of America Strategy B with 95% Protection |
Point to Point
Annual
|
40%
Participation
|
| 1-Year American Funds The Growth Fund of America Strategy B with 90% Protection |
Point to Point
Annual
|
50%
Participation
|
| 3-Year American Funds The Growth Fund of America Strategy A with 100% Protection |
Point to Point
Triennial
|
55%
Participation
1.5%
Spread
|
| 3-Year American Funds The Growth Fund of America Strategy A with 95% Protection |
Point to Point
Triennial
|
60%
Participation
1.5%
Spread
|
| 3-Year American Funds The Growth Fund of America Strategy A with 90% Protection |
Point to Point
Triennial
|
65%
Participation
1.5%
Spread
|
| 1-Year American Funds The Growth Fund of America Strategy A with 100% Protection |
Point to Point
Annual
|
45%
Participation
1.5%
Spread
|
| 1-Year American Funds The Growth Fund of America Strategy A with 95% Protection |
Point to Point
Annual
|
50%
Participation
1.5%
Spread
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Hypothetical Projection
Comparison against S&P 500 using current rates
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Riders
No Riders for Nationwide Defined Protection Annuity 2.0 annuity.
Waivers
Terminal Illness
Unavailable in states: CA, and MD
In the event of a long-term care or terminal illness or injury event, withdrawals or surrenders will be treated as Free Withdrawals as long as the contract owner and annuitant are the same person, and the contract owner does not exceed age 80 at issue.
Long-term Care
Unavailable in states: CA, and MD
In the event of a long-term care or terminal illness or injury event, withdrawals or surrenders will be treated as Free Withdrawals as long as the contract owner and annuitant are the same person, and the contract owner does not exceed age 80 at issue.
RMD
The product includes Penalty-Free Withdrawal Provisions for RMD.
Premium Notes
Maximum issue ages
85 (annuitant), no limit (owner)
Minimum investment
$25,000 single purchase payment
85 (annuitant), no limit (owner)
Minimum investment
$25,000 single purchase payment
Withdrawal Provisions
Free Withdrawals 10% of the contract value at the beginning of the contract year or the required minimum distribution amount (whichever is greater) Free Withdrawals are also available for long-term care or a terminal illness if certain conditions are met.Market Value Adjustment (MVA) This will be an adjustment (positive or negative based on market conditions) for withdrawals greater than the Free Withdrawal Amount during the first six years.
Company Founded: 1929
TOP Rated
Company
Company Ratings
4.7
- A.M. Best A+
- S&P A+
- Moody's A1
- Comdex 90
Assets: $63,919,929,741
Ohio
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