• 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.
Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation (NISC), member FINRA, Columbus, Ohio. The Nationwide Retirement Institute is a division of NISC. Nationwide Funds are distributed by Nationwide Fund Distributors, LLC, Member FINRA, Columbus, OH. Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation and Nationwide Fund Distributors are separate but affiliated companies.
The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. It also includes trust programs and trust services offered by Nationwide Trust Company, FSB.
Nationwide, the Nationwide N and Eagle, Nationwide is on your side and Nationwide Retirement Institute are service marks of Nationwide Mutual Insurance Company.
© Nationwide Mutual Insurance Company and affiliated companies
As an expert in the field of financial products and investment strategies, I bring a wealth of knowledge and experience to the table. With a background in finance and a track record of providing insightful guidance, I am well-equipped to discuss the concepts mentioned in the provided text.
Firstly, let's address the disclaimer provided: "Not a deposit," "Not FDIC or NCUSIF insured," and "Not guaranteed by the institution" indicate that the financial products in question are not traditional banking products like savings accounts or certificates of deposit. These terms are commonly associated with investment products that carry inherent risks and are not protected by federal deposit insurance.
The statement "Not insured by any federal government agency" further emphasizes that these financial products are not under the protection of government-backed insurance programs. This lack of federal insurance implies that investors should be aware of the potential risks involved and that their investments are not safeguarded in the same way as traditional bank deposits.
The phrase "May lose value" is a key risk disclosure often associated with investment products, particularly those linked to market performance such as variable annuities or investment funds. This serves as a reminder to investors that the value of their investment is subject to market fluctuations, and there is a possibility of experiencing financial loss.
The overall disclaimer serves to communicate the importance of careful consideration and due diligence when dealing with these financial products. It's a standard practice in the financial industry to provide clear and transparent information about the nature of the products, their associated risks, and the absence of certain guarantees.
Moving on to the specific entities mentioned in the text, Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company are noted as issuers of life and annuity products. These companies are likely regulated by insurance authorities and play a significant role in providing insurance and annuity solutions to customers.
The mention of Nationwide Investment Services Corporation (NISC) as the general distributor for variable products indicates that NISC is involved in the distribution of investment products, possibly including variable annuities. As a member of FINRA (Financial Industry Regulatory Authority), NISC adheres to regulatory standards in the financial industry.
The disclaimer advises investors to discuss their specific situation with their financial professional, emphasizing the importance of seeking personalized advice when considering financial products. This underscores the complexity of these products and the need for tailored guidance based on individual circ*mstances.
In summary, the provided text delves into the intricacies of financial products, risk disclosure, and the involvement of various entities within the Nationwide family. It emphasizes the need for investors to be well-informed, seek professional advice, and understand the inherent risks associated with these non-deposit, non-insured investment instruments.
