No purchase is necessary to enter or win. Making a purchase will not increase the odds of winning. 

1. Eligibility. 

• Open to Legal Residents. The Promotion is open to legal residents of the fifty United States and the District of Columbia, except where excluded and prohibited by law, who: (a) are 18 years of age or have reached the age of majority in their jurisdiction of residence at the time of entry, whichever is greater, and (b) are legally able to work in the United States.  The following states are excluded: Georgia, Pennsylvania, Washington, and Wyoming.  
• Nationwide Excluded. Employees and agents of Nationwide, its affiliates, subsidiaries, advertising and promotion agencies, and any entity involved in the development, production, implementation, administration, or fulfillment of the Promotion (collectively referred to as "Promotion Entities") and their immediate family members and/or those living in the same household of such persons, whether related or not, are not eligible to enter the Promotion. 
• No Other Sponsorship. The Promotion is not sponsored, endorsed, administered by, or associated with Instagram. 

2. How to Enter. 

• Promotion Period. 
  • The Promotion will run from October 23, 2026, at 12:01 am PST, to October 30, 2026 at 5:00 pm PST ("Promotion Period"). 
• Entry. 
  • To enter the Contest, entrants must post a Halloween-themed photo or video of their pet using #WiggleweenContest on their Instagram account. The photo or video must be publicly posted.  
• Restrictions. 
  • Limit one (1) entry during the Promotion Period. Nationwide will disqualify anyone found to have submitted multiple entries. In addition, Nationwide will not consider ineligible, illegible, or incomplete submissions or postings on private Instagram pages, or Instagram stories. Posts that do not include the hashtag #WiggleweenContest with their photo or video are ineligible.  
• Conditions.
  • Nationwide reserves the right to exclude entries, at their discretion, for reasons, including, but not limited to: 
    • a. violates or encourages any conduct that violates laws or regulations; 
    • b. contains any information or content we deem to be hateful, violent, harmful, abusive, racially or ethnically offensive, defamatory, infringing, invasive of personal privacy or publicity rights, harassing, humiliating to other people (publicly or otherwise), libelous, threatening, profane or otherwise objectionable; 
    • c. infringes any third party's Intellectual Property Rights, privacy rights, publicity rights, or other personal or proprietary rights; 
    • d. contains any information or content you do not have a right to make available under any law or contractual or fiduciary relations; or 
    • e. is fraudulent, false, misleading, or deceptive. 

• Participant's Consent. 

  • Entry constitutes consent to participate in the Promotion and for Nationwide to obtain, use, and transfer the entrant's photo or video for promotion and administration purposes. By participating in the Promotion and/or accepting any prize, Entrants grant Nationwide permission to use their name, likenesses, image, and submitted content for purposes of advertising, publicity, and promotion purposes, without further compensation to the entrant, unless prohibited by law. 

• No Withdrawal.  

  • Once submitted, entries cannot be changed from the Promotion.  

• Notice of Termination or Change.   

  • Should the Promotion be terminated  or modified before the stated expiration date, Nationwide will post a notice at https://www.instagram.com/NationwidePet.  

3. Winners.  

• Prize winners will be selected by a panel of judges chosen by Nationwide and winners will be announced at the end of the Promotional Period. If a winner is not eligible to win, or if Nationwide is unable to contact the winner after a good faith effort, the prize will be forfeited. During the Promotional Period, 5 (five) winners be selected from all eligible entries. 

4. Judging Criteria.  

• The judging criteria are as follows: [(1) Positive emotion – 25%; (2) Quality photo or video – 25%; (3) Humorous picture or video – 25%; (4) Uniqueness of pet picture or video – 25%. All ties will be broken by an alternative judge chosen by Nationwide and reserved for this specific purpose. During the Promotional Period, 5 (five) winners will be selected from all eligible entries by judges selected by Nationwide. All decisions by the judges will be final. 

5. Prizes 

• (a) Five winners will be selected during the Promotional Period. Winners will receive a Petco gift card. Value: $100 each. Total ARV: $500.00. 

• (b) Expenses and Taxes. Prize winners are responsible for any expenses incurred in connection with the prizes. No substitution or transfer of prizes is permitted, except that Nationwide reserves the right to substitute a prize of equal or greater value if an offered prize is unavailable. All federal, state, and local taxes on prizes are the sole responsibility of the winner. Prize details not set forth herein are the sole discretion of Nationwide. 

• (c) Legal Documents. If requested, winners must execute and return an Affidavit of Eligibility, Liability Release, and (where legal) Publicity Release within three days of notification. Failure to do so may result in disqualification, forfeiture, or award to an alternate winner. 

6. Release  

• All entrants agree to release and hold harmless Nationwide, and Instagram, and their respective subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers, and each of their respective parent companies and each such company's shareholders, officers, directors, employees, members, assigns and agents (collectively, the "Released Parties") from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Promotion or receipt or use or misuse of any prize. 

7. General Rules. 

• Entrant Responsibility. The prize winner may receive an IRS 1099 for the value of their prizes. Entrants agree to be bound by the Official Rules and the judges decisions, which are final and binding on all matters relating to Promotions.  

• No Responsibility. Nationwide, and each of its respective affiliates, subsidiaries, parent corporations, and their respective officers, directors, shareholders, employees, and agents, are not responsible for any incorrect or inaccurate entry information, theft, tampering, destruction, or unauthorized access to, or alteration of entries; printing or other errors; and any entries or mail which are late, lost, delayed, incomplete, misdirected, stolen, mutilated, illegible, postage-due, or any combination of the above. 

• Nationwide's Rights. Nationwide can void any entrant's entry who it believes has violated these Rules or attempted to tamper with or impair Promotion administration, security, fairness, or proper play. Nationwide reserves the right to modify, suspend or terminate the Promotion if necessary due to circumstances beyond Nationwide's control. If the Promotion is terminated early, the judges will select the winners from all eligible entries received at the time of termination. 

8. Governing Law and Disputes.  

• Governing Law. This Promotion is governed by and subject to the laws of the United States and the state of Ohio without giving effect to the conflict of laws rules thereof. All federal, state, and local laws and regulations apply. The Contest is void where prohibited by law. 

• Disputes. Except where prohibited, the entrant agrees that any and all disputes that cannot be resolved between the parties, and all claims and causes of action arising out of or connected with the Promotion or any prize awarded, or the determination of winner shall be resolved individually, without resort to any form of class action. Further, in any such dispute, under no circumstances will entrant be permitted to obtain awards for and hereby waives all rights to claim punitive, incidental, or consequential damages or any other damages, including attorneys' fees. Entrant further waives all rights to have damages multiplied or increased. 

9. Privacy.  

• By entering into this Contest, you also agree to Nationwide's use of your personal information as described in the Nationwide Privacy Policy at http://www.petinsurance.com/privacy.aspx. 

10. Winners List. 

• For an Official Prize Winners List (available 30 days after Promotion end date) or a copy of these Official Rules, send a self-addressed, stamped envelope to: Nationwide #WiggleweenContest Photo Contest Official Rules, Nationwide, Marketing Department, One Nationwide Plaza, MC 1-28-101, Columbus, Ohio 43215. 

11. Abbreviated Rules.  

• No purchase is necessary. The Contest begins on October 23, 2026 and ends on October 30, 2026 at 5 p.m. PST. Contest open to legal residents of U.S., excluding Georgia, Pennsylvania, Washington, and Wyoming, and except where prohibited by law, who are at least 18.  

No purchase is necessary to enter or win. Making a purchase will not increase the odds of winning

1. Eligibility.

• 1.1. Open to Legal Residents. The Contest is open to legal residents of the fifty United States and the District of Columbia, except where excluded and prohibited by law, who: (a) are 18 years of age or have reached the age of majority in their jurisdiction of residence at the time of entry, whichever is greater, and (b) are legally able to work in the United States. Excluding the states of Georgia, Indiana, Kansas, Kentucky, Maine, Minnesota, Nebraska, Pennsylvania, and Washington. No purchase is necessary.
• 1.2. Nationwide Excluded. Employees and agents of Nationwide, its affiliates, subsidiaries, advertising and Contest agencies, and any entity involved in the development, production, implementation, administration, or fulfillment of the Contest (collectively referred to as "Contest Entities") and their immediate family members and/or those living in the same household of such persons, whether related or not, are not eligible to enter the Contest.
• 1.3. No Other Sponsorship.

2. How to Enter.

• 2.1. Promotion Period.
  • The Contest will run from November 4, 2026 at 12:01 am PST, to December 23, 2026 at 9:00 pm PST ("Promotion Period").
• 2.2. Entry.
  • To enter, complete the following steps during the Promotion Period:
    • 1. Visit https://petinsurancerewards.com/NationwideTailsandTouchdowns26/ 
    • 2. Complete the form information.
    • 3. Share how you spend game days with your pet (150 words or less).
    • 4. Upload a photo of your pet (or you and your pet).
    • 5. Confirm and submit your entry.
    •  By uploading your photo, you are agreeing to these Official Rules. No purchase necessary.
• 2.3. Restrictions
  • All photo submissions must be of your own pet or you must obtain approval to post photos of any pet that is not your own. Photo submissions must be of real pets, photos created using generative AI will be excluded. In addition, Nationwide will not consider ineligible, illegible, or incomplete submissions or postings.
• 2.4. Conditions.
  • Nationwide reserves the right to exclude entries, at their discretion, for reasons, including, but not limited to:
    • a. violates or encourages any conduct that violates laws or regulations;
    • b. contains any information or content we deem to be hateful, violent, harmful, abusive, racially or ethnically offensive, defamatory, infringing, invasive of personal privacy or publicity rights, harassing, humiliating to other people (publicly or otherwise), libelous, threatening, profane or otherwise objectionable;
    • c. infringes any third party's Intellectual Property Rights, privacy rights, publicity rights, or other personal or proprietary rights;
    • d. contains any information or content you do not have a right to make available under any law or contractual or fiduciary relations; or
    • e. is fraudulent, false, misleading, or deceptive.
• 2.5. Participant's Consent.
  • Entry constitutes consent to participate in Promotions and for Nationwide to obtain, use, and transfer the entrant's photo for Promotion administration purposes. By participating in the Promotion and/or accepting any prize, Entrants grant Nationwide permission to use their name, likenesses, and image in connection with the Promotion for purposes of advertising, publicity, and promotion purposes, without further compensation to the entrant, unless prohibited by law.
• 2.6. No Withdrawal.
  • Once submitted, entries cannot be changed or withdrawn from the Promotion.
• 2.7. Notice of Termination.
  • Should the Promotion be terminated before the stated expiration date, Nationwide will post a notice at https://www.facebook.com/NationwidePet.

3. Winners.

One (1) winner will be selected by a panel of judges selected by Nationwide at the end of the Promotion from all eligible entries received during the Promotion period. The winner will be notified via email or phone call within seven (7) days of the end of the Promotion. If the winner does not respond within five (5) business days, or is found to be ineligible, or if Nationwide cannot contact the winner after a good faith effort, the prize will be forfeited.

4. Judging Criteria.

The judging criteria are as follows: (1) Creativity and/or originality – 25%; (2) Relevance to theme – 25%; (3) Photo quality – 25%; (4) Emotional impact – 25%. All ties will be broken by an alternative judge chosen by Nationwide and reserved for this specific purpose. During the Promotion Period, one (1) winner will be selected from all eligible daily entries by officials selected by Nationwide. All decisions by the judges will be final.

5. Prizes

• (a) One prize winner will receive:
  • Two (2) tickets to Super Bowl LXI hosted in Los Angeles, California ARV $3,800
  • Roundtrip airfare for two (2) ARV $2,000
  • Hotel accommodation for three (3) nights (standard, double occupancy) ARV $1,950
  • Roundtrip travel for two (2) to the game location will be provided only if the winner resides more than 50 miles from the game venue. If the winner resides within 50 miles of the game venue, travel expenses will not be included. Travel and hotel arrangements will be determined and booked by Nationwide.
  • The Contest grand prize total ARV is $7,750. Actual value may vary based on the location of the winner and other factors. No cash or other prize substitutions are allowed, except at the sole discretion of Nationwide. Prizes are non-transferable. Any expenses not specifically listed as part of the prize, including incidental expenses, are the responsibility of the winner. 
• (b) Weekly Drawings:
  • During the Promotion Period, there will be weekly drawings to win a $50 NFLShop.com gift card. Each week, one (1) winner will be selected from all eligible entries received during that week. Non-winning entries will remain in the pool and will be eligible for selection in all subsequent weekly drawings held during the Promotion Period.
  • The weekly prize is an NFLShop.com gift card. ARV $50. Total ARV $400.
  • Winners of the weekly drawings will be notified via email or phone call within two (2) days of the drawing. If the winner does not respond within three (3) business days, or is found to be ineligible, or if Nationwide cannot contact the winner after a good faith effort, the prize will be forfeited.
  • Weekly prize winners are still eligible for the grand prize.
• (c) Expenses and Taxes. Prize winners are responsible for any expenses incurred in connection with the prizes. No substitution or transfer of prizes is permitted, except that Nationwide reserves the right to substitute a prize of equal or greater value if an offered prize is unavailable. All federal, state, and local taxes on prizes are the sole responsibility of the winner. Prize details not set forth herein are the sole discretion of Nationwide.
• (d) Legal Documents. If requested, winners must execute and return an Affidavit of Eligibility, Liability Release, and (where legal) Publicity Release within three (3) days of notification. Failure to do so may result in disqualification, forfeiture, or award to an alternate winner.

6. Release.

All entrants agree to release and hold harmless Nationwide and their respective subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers, and each of their respective parent companies and each such company's shareholders, officers, directors, employees, members, assigns and agents (collectively, the "Released Parties") from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Promotion or receipt or use or misuse of any prize.

7. General Rules.

• 7.1. Applicable Laws. All federal, state, and local laws and regulations apply. The Promotion is void where prohibited by law. The prize winner may receive an IRS 1099 form for the value of their prizes. Entrants agree to be bound by the Official Rules and the judges' decisions, which are final and binding on all matters relating to Promotions.
• 7.2. No Responsibility. Nationwide, and each of its respective affiliates, subsidiaries, parent corporations, and their respective officers, directors, shareholders, employees, and agents, are not responsible for any incorrect or inaccurate entry information, theft, tampering, destruction, or unauthorized access to, or alteration of entries; printing or other errors; and any entries or mail which are late, lost, delayed, incomplete, misdirected, stolen, mutilated, illegible, postage-due, or any combination of the above.
• 7.3. Nationwide's Rights. Nationwide can void any entrant's entry who it believes has attempted to tamper with or impair Promotion administration, security, fairness, or proper play. Nationwide reserves the right to modify, suspend or terminate the Promotion if necessary due to circumstances beyond Nationwide's control. If the Promotion is terminated early, the judges will select the winners from all eligible entries received at the time of termination.

8. Governing Law and Disputes.

• 8.1. Governing Law. This Promotion is governed by and subject to the laws of the United States and the state of Ohio without giving effect to the conflict of laws rules thereof.
• 8.2. Disputes. Except where prohibited, the entrant agrees that any and all disputes that cannot be resolved between the parties, and all claims and causes of action arising out of or connected with the Promotion or any prize awarded, or the determination of winner shall be resolved individually, without resort to any form of class action. Further, in any such dispute, under no circumstances will entrant be permitted to obtain awards for and hereby waives all rights to claim punitive, incidental, or consequential damages or any other damages, including attorneys' fees. Entrant further waives all rights to have damages multiplied or increased.

9. Privacy.

By entering into this Contest, you also agree to Nationwide's use of your personal information as described in the Nationwide Privacy Policy at http://www.petinsurance.com/privacy.aspx. Your information will be shared for marketing purposes by the Nationwide family of companies.

10. Winner List.

For an Official Prize Winners List (available 30 days after Promotion end date) or a copy of these Official Rules, send a self-addressed, stamped envelope to:

Nationwide Tails and Touchdowns Contest, One Nationwide Plaza, BRE-05, Columbus, Ohio 43215. 

Giving back to the community is central to the caring culture of Nationwide. It’s also a value shared by Nationwide distribution partners around the country. To celebrate some of those making an impact, Nationwide is pleased to recognize six agencies with the 2026 P&C Community Service Award.   

Agencies are nominated for their deep commitment to causes that are close to home and near to their heart. Nationwide makes a donation to the charity of each winner’s choice in honor of the winner.   

A Thank You from Nationwide  
Congratulations to Arthur J. Gallagher Risk Management in Rolling Hills, IL. The Chicagoland agency was recognized for its support of Female Strong, a nonprofit providing hands-on programs, mentorship and leadership-building experiences for middle- and high-school girls with the goal of helping young women thrive and overcome barriers to opportunity.  

This year’s additional winners are:   

• Howard Hanna Insurance Services in Pittsburgh for its longstanding support of the Howard Hanna Children’s Free Care Fund and Children’s Hospital of Pittsburgh. Through fundraising and volunteering, the team helps children receive care and provides relief to families facing medical crises.
• InterWest Insurance Services in Sacramento for its employee-led “InterWest Gives Back” program, which allows local offices to select and support multiple nonprofit partners each quarter. Its community impact includes hunger relief, youth services, housing, healthcare, animal welfare and senior care.   
• BTJ Insurance in Nashville, whose sustained partnership with Kiwanis and Ingram Sowell Elementary School provides food support to students, ensuring they have access to food even when school is out.   
• Hometown Insurance in Creston, IA for its work with the Union County Fair Board and Kiwanis, helping raise millions for community improvements, restoring public spaces and providing meals and clothes to local children.
• M3 Insurance in Madison, WI for its support of the Boys & Girls Club of the Wausau Area focused on youth development, workforce readiness, and financial literacy.   

“Nationwide’s central purpose of protection has always extended beyond insurance,” said Mark Berven, President and COO of Nationwide Property and Casualty. “Thank you to this year’s winners and to all of our distribution partners who make a positive impact in their communities every day.”

Government member nominations were accepted in five categories and evaluated by the 2026 Awards Committee based on originality, effectiveness and measurable results. This year’s recipients demonstrate how thoughtful plan design, personalized communications, technology and holistic financial wellness initiatives can help participants build greater financial security.

“These awards are highly respected within our industry and reflect the creativity, dedication and commitment our partners bring to helping participants achieve greater financial security,” said Kevin Jestice, president of Nationwide Retirement Solutions. “This recognition is made possible by the strong partnerships between our clients and the Nationwide teams who support them every day.”

2026 NAGDCA Leadership Recognition Award recipients

City of Phoenix — Everyday Plan Champions: Real City of Phoenix Stories Driving Retirement Readiness
The City of Phoenix Plan Champion Campaign uses real employees to bring the Deferred Compensation Plan to life. Five Plan Champions from different departments share how they use plan tools and education to pursue their goals and build retirement confidence. Their stories appear across the plan website, emails, digital monitors, posters and the City’s Financial Expo, where Champions engage directly with their peers.

Video viewership and attention rates, along with continued growth in plan assets, contributions and education usage, show how relatable employee voices can help participants better understand and use their retirement benefits.

County of Monterey — Automatic Enrollment for Every New Hire
County of Monterey leadership and labor partners introduced automatic enrollment for two bargaining groups, CEMA and SEIU, in response to concerns about long-term retirement readiness. The approach was designed to encourage new employees to take action while preserving choice, flexibility and participant protections. The County has experienced significant increases in new-hire participation in its 457(b) plan, particularly during employees’ first year.

State of California Savings Plus Program — 2025 Fund Mapping & Redesign
California Savings Plus modernized the investment foundation of one of the nation’s largest public-sector retirement programs through a two-phase fund mapping and redesign initiative. The program simplified investment choice, lowered costs and strengthened default outcomes while maintaining participant confidence throughout a multibillion-dollar transition.

The redesign affected more than 200,000 participants and over $14 billion in assets. It transitioned participants into institutionally priced target-date funds, introduced stable value options, reduced lineup complexity and delivered an estimated $10 million in annualized participant fee savings. The implementation was completed with zero mapping errors and stable service levels.

California Savings Plus was also selected as one of the top three finalists in the large plan category for the 2026 NAGDCA Art Caple President’s Award, which honors excellence in public sector defined contribution plans. Established in memory of past NAGDCA President Art Caple, the award celebrates visionary leadership and innovation that enhance participants’ financial well-being.

Nationwide Retirement Solutions is a business within Nationwide, a Fortune 100 company based in Columbus, Ohio, and one of the largest and strongest diversified financial services and insurance organizations in the United States.

Nationwide Retirement Solutions administers nearly 32,000 retirement plans, helping protect nearly $200 billion in participant assets and helping secure the financial futures of more than 2.7 million participants. Nationwide services the highest volume of governmental 457(b) plans and has demonstrated significant growth in the corporate 401(k) and not-for-profit 403(b) markets.

Nationwide is committed to serving the retirement industry by doing the right thing at the right time through better participant experiences, administrative simplicity and values that translate to service. Visit nrsforu.com for more information about the tools and services Nationwide provides to retirement plan participants.

Source: 2026 Award Winners — NAGDCA
NFM-25835AO

To recognize those contributions, nominations are now open for the Golden Owl Award®, an annual program celebrating excellence in agricultural education. For the 2026-27 school year, the program is expanding to 16 states with the addition of Colorado. The award program will now recognize leading agricultural teachers across 16 states: California, Colorado, Delaware, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Missouri, Nebraska, New York, Ohio, Pennsylvania, South Dakota and Utah. 

Since launching in 2018, the Golden Owl Award has recognized hundreds of agricultural educators and provided more than $800,000 in funding to support agricultural education programs, FFA chapters and student development initiatives. Last year, there were over 4,900 nominations across 15 participating states, and the program recognized 107 exceptional ag teachers including 15 “Ag Educators of the Year.” 

"Every day, agricultural educators help students develop the knowledge, skills and confidence they need to succeed," said Brad Liggett, president of Agribusiness at Nationwide. "The Golden Owl Award is our way of recognizing the educators who are investing in the future of agriculture and making a lasting impact on their students and communities." 

To nominate an ag teacher for the 2025-2026 Golden Owl Award, visit www.GoldenOwlAward.com.¹ 

Following the nomination period, finalists in each state will be selected by a panel of judges. Each finalist will receive an individualized plaque and funding to support their school's agricultural education program. One educator in each state will ultimately be named Ag Educator of the Year and receive the coveted Golden Owl Award trophy along with additional funding for their program. 

In addition to recognizing outstanding teachers, Nationwide supports agricultural education through contributions to participating state FFA organizations, helping provide leadership development opportunities and resources for students across the country. 

The Golden Owl Award reflects Nationwide's ongoing commitment to strengthening agriculture and supporting the educators who help shape its future. 

To nominate an agricultural educator or learn more about the program, visit GoldenOwlAward.com. 

¹ California Golden Owl Award nomination period is Sept. 2 – Jan. 16, 2027. Colorado Golden Owl Award nomination period is May 15 – 30, 2027.  Delaware Golden Owl Award nomination period is Sept. 1 – Nov. 15, 2026. Illinois Golden Owl Award nomination period is Sept. 1 – Nov. 15, 20256. Indiana Golden Owl Award nomination period is Oct. 1 – Dec. 15, 2026. Iowa Golden Owl Award nomination period is Sept. 2 – Dec. 1, 2026. Kansas Golden Owl Award nomination period is Sept. 1 – Dec. 31, 2026. Kentucky Golden Owl Award nomination period is Sept. 18 – Nov. 30, 2026. Maryland Golden Owl Award nomination period is Oct. 1 – Dec. 31, 2026. Missouri Golden Owl Award nomination period is Sept. 15 – Dec. 31, 2026. Nebraska Golden Owl Award nomination period is Oct. 1 – Dec. 31, 2026. New York Golden Owl Award nomination period is Sept. 10 – Nov. 15, 2026. Ohio Golden Owl Award nomination period is Sept. 1 – Dec. 31, 2026. Pennsylvania Golden Owl Award nomination period is Aug. 1 – Dec. 31, 2026. South Dakota Golden Owl Award nomination period is Oct. 1 – Dec. 31, 2026. Utah Golden Owl Award nomination period is Oct. 1 – Dec. 15, 2026. 

² Ohio finalists will receive a personalized plaque and $1,500 to fund their programs. Ohio’s Ag Educator of the Year title will receive the coveted Golden Owl Award trophy and an additional $5,000 to help fund future educational efforts for their program. Ohio’s partner, Farm Credit Mid-America, provided funding for the increase in prize money. In accordance with Ohio law, cash prizes in Ohio are awarded to the winner’s school ag program.

These tradeoffs are already affecting decisions that could have financial consequences long after today's prescription is paid. More than half (54%) of current GLP-1 users have already changed their financial behaviors, including 17% who have taken on debt, such as credit cards or loans; 14% who have withdrawn money from savings, investments or retirement accounts; and 14% who have reduced their retirement contributions or investments.

For many users, the expected health benefits may make those financial pressures feel worth it. Nearly nine in 10 (88%) current users say taking a GLP-1 makes them feel more optimistic about their long-term health, and 64% say they may retire later because taking the medication makes them feel healthier.

“Medical innovation is changing how we think about living longer and healthier, and that’s a good thing. But living longer also means your money may need to last longer,” said Kristi Martin Rodriguez, leader of the Nationwide Retirement Institute. “If what you’re spending on your health today is competing with what you’re saving for tomorrow, that needs to be part of the financial planning conversation.”

Longer, Healthier Lives Bring New Retirement Challenges
The possibility of better long-term health creates its own financial planning challenge: preparing for a potentially longer retirement. More than half (56%) of current users say they may need more money for future healthcare expenses if they live longer, while nearly half (49%) say the possibility of living longer makes them less confident in their retirement plan.

For people who continue GLP-1 treatment over time (many will for the rest of their lives), the ongoing cost of the treatment adds another layer of uncertainty. Nearly six in 10 (59%) current users worry about being able to afford GLP-1 medication in retirement. Current users whose medication is not entirely covered by insurance pay an average of $203 out of pocket each month.

Despite those concerns, the health benefits users expect from GLP-1s may be reducing the urgency they feel to prepare financially. Nearly six in 10 (59%) say the expected health benefits of GLP-1s make them feel less pressure to increase their retirement savings. Similarly, 57% say the expected health benefits make them less concerned about needing additional health or long-term care insurance in the future.

Together, these findings point to a potential planning gap: GLP-1 users are increasingly optimistic about living healthier, longer lives, even as many may be financially unprepared for the additional years those health benefits could bring.

A New Conversation for Retirement Planning
As GLP-1s and other medical innovations reshape expectations for health and longevity, they are also creating new conversations for retirement planning. Nearly six in 10 (59%) current users expect a financial professional to advise them on the financial impact of GLP-1 medications or other health innovations, yet 47% have never discussed the topic with an advisor.

“The connection between health and wealth has never been more apparent than with the rise of GLP-1 medications,” Rodriguez said. “These drugs offer the potential for a longer, healthier life, but they also come with financial implications that we can't ignore. It's time to have a conversation about how the expense and benefits of these drugs impact our financial decisions today and our long-term financial outlook. Retirement savers trying to strike this balance should be intentional in creating a plan with a trusted financial advisor that keeps saving for the future on track to prepare for a longer, healthier retirement.”

To help financial professionals guide these conversations, Nationwide’s Health Care Cost Assessment tool uses proprietary health risk analysis and updated actuarial cost data to help financial professionals and clients estimate future medical and long-term care expenses. 

To learn more about the 2026 Nationwide Retirement Institute Health Care Costs in Retirement consumer survey, visit www.nationwide.com/healthcarecostshttp://www.nationwide.com/healthcarecosts. In addition, financial professionals can visit www.nationwide.com/simplifyhealthcarecostshttp://www.nationwide.com/simplifyhealthcarecosts to learn more. 

For additional insights see Kristi Rodriguez’s blog and this infographic.

Methodology
The research was conducted online in the U.S. by The Harris Poll on behalf of Nationwide among 1,933 adults age 18+, including 467 Gen Z (age 18-28), 500 Millennials (age 29-44), 510 Gen Xers (age 45-60), and 456 Boomers+ (age 61+).  509 current GLP-1 users and 364 former users were also collected. The survey was conducted July 20-August 4, 2026. 

Data are weighted where necessary by age by gender, race/ethnicity, region, education, marital status (not included for Gen Z), household size, household income, and political affiliation to bring them in line with their actual proportions in the population.  To ensure the national sample was representative, the data were initially weighted by generation (Gen Z 18-28, Millennials 29-44, Gen Xers 45-60, and Boomers+ 61+) and then combined into a total age 18+ group.

Data for GLP-1 current and former GLP-1 users, were weighted as needed by education, age by gender, race/ethnicity, region, household income, size of household, marital status, employment, and political party affiliation.

Respondents for this survey were selected from among those who agreed to participate in our surveys. The sampling precision of Harris online polls is measured by using a Bayesian credible interval.  For this study, the sample data is accurate to within ± 2.2 percentage points using a 95% confidence level.  This credible interval will be wider among subsets of the surveyed population of interest. 

All sample surveys and polls, whether or not they use probability sampling, are subject to other multiple sources of error which are most often not possible to quantify or estimate, including, but not limited to coverage error, error associated with nonresponse, error associated with question wording and response options, and post-survey weighting and adjustments.

Employees were challenged at the beginning of 2026 to volunteer 100,000 hours collectively, a goal rooted in Nationwide’s longstanding commitment to community involvement and company values that date back to Nationwide's earliest days. The milestone reflects volunteer service completed both through company-sponsored events and employees' personal commitments to causes and organizations that matter most to them. 

“Thank you to every employee whose dedication and generosity helped make this achievement possible,” said Nationwide CEO Kirt Walker. “Whether volunteering through a Nationwide-sponsored event or supporting a cause close to home, each hour made a difference—and together, those individual acts of service created a lasting impact in communities across the country.” 

Making a difference, one community at a time 
For the nonprofit partners, the value of those volunteer hours extends well beyond the numbers. 

The Mid-Ohio Food Collective, part of the Feeding America network, received the most volunteer support from Nationwide employees this year with more than 6,000 volunteer hours. Earlier this year, Nationwide employees came together for a service event, packing shelf-stable food boxes that helped provide meals for nearly 1,000 Central Ohio seniors experiencing food insecurity. 

"Nationwide continues to be one of Mid-Ohio Food Collective's most valued partners, not only through its philanthropy but through the extraordinary commitment of its associates," said Matt Habash, president and CEO of Mid-Ohio Food Collective. "Their dedication helps expand our reach, strengthen our impact, and move us closer to a future where no one in our community has to worry about where their next meal will come from. We are deeply grateful for Nationwide's leadership and unwavering support." 

United Way of Central Iowa was another top nonprofit partner for Nationwide volunteers this year. Employees contributed their time to a variety of initiatives supporting health, youth opportunities and financial security throughout the region. 

"Reaching 100,000 volunteer hours is a remarkable achievement that reflects Nationwide's deep commitment to the communities it serves," said Mary Sellers, president of United Way of Central Iowa. "The time, talent and dedication of Nationwide employees have made a meaningful difference across central Iowa, and we're proud to partner with an organization that consistently invests in helping others and strengthening our community." 

Building on a century of caring 
Nationwide employees have played an active role in strengthening the communities where they live and work. Today, that tradition continues through volunteerism, charitable giving and community partnerships.  

“At Nationwide, protecting what matters most extends beyond the products and services we provide. It means showing up for the communities where we live and work. Reaching 100,000 volunteer hours in our centennial year is a powerful reflection of our employees’ generosity and our longstanding commitment to caring for others,” said Walker.  

This year's achievement was made possible by thousands of employee volunteers, including 146 employees who have individually contributed more than 100 hours of volunteer service.  

Visit Nationwide’s giving page for more information about how the company and its associates combine philanthropy, workplace giving and volunteerism to make an impact.

“Moody’s positive outlook for Nationwide P&C is encouraging recognition of the progress our associates and distribution partners are making together,” said Mark Berven, President & COO, Nationwide Property & Casualty. “Our focus on the claims experience, technical excellence, data-informed underwriting, strong governance and disciplined pricing is helping us improve profitability while delivering the specialized protection and insight our distribution partners and members need. The positive outlook from Moody’s reinforces the value of that work.” 

Moody’s specifically notes that Nationwide’s P&C business has “improved its profitability in recent years by enhancing its technical capabilities and governance processes as well as taking pricing and underwriting actions.” 

The affirmation of NFS reflects Nationwide’s financial services business’ “strong position and brand recognition in U.S. life insurance, annuity and retirement plan markets; its diversified distribution channels; and its consistently strong profitability.” 

Moody’s noted “NFS’ strong capitalization, including a relatively high regulatory risk-based capital (RBC) ratio, and its strategic importance to Nationwide Enterprise support continued growth across its target products.” 

For more information about Nationwide and Nationwide’s ratings, visit www.nationwide.com or Company Ratings.  

For Nationwide, the survey findings reinforce the importance of helping people understand emerging digital risks and giving them practical ways to protect their identity, information and finances.

Nearly four in 10 consumers (39%) say they have ignored or delayed responding to a legitimate delivery notice because they suspected it was a scam. Nearly three in 10 (29%) say they have done the same with a legitimate government message or bank alert.

That caution comes as consumers grapple with increasingly convincing AI-enabled threats. More than eight in 10 (84%) are concerned about criminals using AI to steal someone’s identity, yet only 19% are highly confident they could identify an AI-powered scam.

“AI is giving scammers new ways to make fraudulent messages, calls and requests look and sound more convincing,” said Helen Simonett, Vice President of Personal Property Lines at Nationwide. “Consumers are right to be cautious, but when it becomes difficult to distinguish a scam from a legitimate message, that uncertainty can also affect how people respond to important communications they rely on every day.”

AI is making scams harder to spot
As generative AI tools become more sophisticated and widely available, cybercriminals use them to create convincing phishing messages and impersonation attempts designed to appear as though they are coming from a trusted person or organization.

For consumers, that can make familiar warning signs harder to rely on. A message with polished language or a call that sounds like someone they know may no longer be enough to establish legitimacy.

The survey findings suggest consumers recognize the changing threat but may not feel confident identifying it. The gap between widespread concern about AI-enabled identity theft and confidence in spotting an AI-powered scam underscores the importance of slowing down and independently verifying unexpected requests before responding.

“Scammers often want people to react quickly, particularly when a message involves money, personal information or an apparent emergency,” said Simonett. “If something feels unusual, consumers should avoid using the contact information provided in the message and instead reach out to the person, company or institution through a phone number, website or app they already know and trust.”

What consumers can do to protect themselves
The survey shows consumers are already taking some basic precautions: 57% use strong, unique passwords and 47% use multifactor authentication to protect themselves from AI-powered scams and other cyber threats. But verification habits can provide another layer of protection.

• Verify unexpected requests through another channel. Contact the person or organization using a phone number, website or app you already know rather than information contained in the suspicious message.
• Create a family code phrase. Just 17% of consumers say their household currently has one for confirming a loved one’s identity during an urgent call or message.
• Use basic account protections. Strong, unique passwords, multifactor authentication and regular account monitoring can make accounts harder to compromise.
• Understand your coverage before you need it. Even with precautions in place, scams can happen. Know what protection your insurance provides, where there may be gaps and who to contact if you become a victim.
• Consider identity theft protection. Identity theft coverage may provide another layer of protection, including monitoring for suspicious activity involving personal information and help navigating recovery or reimbursement of certain related expenses. Nationwide identity theft protection is available for $45 per year when added to an eligible Nationwide auto, home, renters, condo or RV policy.

More findings from the 2026 Nationwide Cybersecurity survey can be found here.

Learn about Nationwide’s ID theft protection.

Todd Lukens, Nationwide’s chief technology and information security officer, has been named to Ohio Tech News and OhioX’s inaugural Cyber25 list, honoring 25 cybersecurity leaders making a significant impact by protecting Ohio’s businesses, hospitals, schools and critical infrastructure.  

“It’s an honor to be recognized for the impact my team is making to ensure we protect what matters most for our customers, associates and communities across Ohio and beyond,” Lukens said. “I’m proud of the dedication and expertise of colleagues across Nationwide who work every day to stay ahead of increasingly sophisticated threats to help keep our enterprise secure.” 

Honorees were selected based on real-world impact, demonstrated leadership, a meaningful Ohio connection and work completed or significantly advanced during the past two years. 

With over two decades in cybersecurity and technology leadership, Lukens oversees critical security and technology functions, including Cybersecurity, Information Risk Governance, Continuity and Crisis Management, Infrastructure, Technology Operations, Development Platform Engineering, Enterprise Digital Platform, and Protective Services. His role places him at the center of protecting technology, data, operational resilience, people, facilities, and communities for Nationwide. 

Read the full list of Cyber25 honorees at Ohio Tech News. 

Learn more about Technology & Innovation at Nationwide. 

Nationwide Retirement Solutions has named Mimi Hodac consultant relationship manager serving the West region, reporting to Barbie Walsh, institutional executive relationship director. In this role, Hodac will build and manage relationships with key public- and private-sector consultants and consulting firms across the West.

“Mimi has been in the industry for a long time and has great connections,” Walsh said. “She will focus on building deeper relationships with consultants, firms and plan sponsors in the west region, educating consultants on Nationwide’s features, capabilities and advantages, and promoting the company’s retirement products and solutions.”

Hodac brings more than 20 years of experience in the retirement industry, with expertise in client relationship management, consultant relations, strategic planning and business development. Most recently, she served as vice president of Consultant Relations at Corebridge Financial, where she focused on enhancing the consultant experience, strengthening partnerships and creating new business opportunities throughout the Western region.

Prior to joining Corebridge, Hodac held senior relationship manager positions with Lincoln Financial and Prudential Retirement Services.

Hodac is based in Los Angeles.

Nationwide Retirement Solutions helps secure financial futures for approximately three million participants in 30,000 retirement plans with $250 billion in assets, across full-service recordkeeping, investment solutions, and pension risk transfer¹. Nationwide remains No. 1 in public 457 plans (based on the number of plans)² with an average tenure of 29 years¹. The company also continues to maintain significant presence in private 401(k), nonprofit 403(b) markets, and pension risk transfer.

For 50 years, Nationwide has remained committed to continually improving its retirement solutions and service experience to better support individuals preparing for and living in retirement. The company offers a diversified portfolio of solutions that complement its traditional recordkeeping and education services. Nationwide’s goal is to help participants prepare for retirement by providing investment solutions and services designed to support long-term growth, risk management and income planning. These offerings include mutual funds, managed accounts, pension risk transfer capabilities, fixed and stable value solutions and lifetime income options.

Visit nrsforu.com for more information about the tools and services Nationwide provides to retirement plan participants.

¹ Nationwide Financial (Dec. 31, 2025)
² PLANSPONSOR 2025 Recordkeeping Survey

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Dr. Beth Kozel, MD, PhD, the chief of the hospital’s Division of Genetic and Genomic Medicine and director of Constitutional Genomics Translational Research, and her clinical team are working with their partners in the Steve and Cindy Rasmussen Institute for Genomic Medicine to bring the life-saving power of genomics to children — from research, to advanced diagnostic testing, to therapeutics.

Through this work, geneticists and genetic counselors work closely with patients and families throughout their healthcare journeys. Dr. Kozel’s vision for the future is one in which genomic information becomes part of the “everyday medical and healthcare experience.”

By meeting children early in their hospital admission and using rapid genome sequencing, the team is translating faster diagnoses into real-time therapies. Rapid genome sequencing can provide answers for about one-third of children who previously had no diagnosis, helping care teams make more informed treatment decisions.

“We are pushing the boundaries of what is possible by taking a genetic test result and translating it into therapies through our growing understanding of how genes and biological pathways work,” said Dr. Kozel. “While diagnosis remains the foundation, the most exciting advances are happening in therapeutics. As genomics increasingly guides clinical decisions across the hospital, our clinicians are developing more personalized treatment strategies, from established therapies and repurposed medications to clinical trials and gene therapies. For many families, these advances are creating new options and new hope where few existed before.”

Her work at the hospital is made possible thanks to a partnership between the Nationwide Foundation, a private foundation whose primary donor is Columbus-based Nationwide.

“When organizations share a vision and commit to it over time, their impact reaches far beyond what any one organization can achieve alone," said Chad Jester, president of the Nationwide Foundation. "For nearly seven decades, Nationwide and Nationwide Children's have worked together to improve the lives of children and families. This investment extends that commitment by supporting groundbreaking research and innovation while helping create stronger, healthier communities."

Earlier this year, the Nationwide Foundation announced a $10 million investment through its Pediatric Innovation Fund, bringing its total commitment to Nationwide Children's to more than $180 million.

The investment supports advances in genomic medicine and data science while also helping fund affordable housing, injury prevention and children's mental health initiatives. Together, those efforts recognize that a child's well-being is shaped by much more than medical care alone.

The latest gift will also establish the 19th endowed chair funded by the Nationwide Foundation at Nationwide Children's, which has been awarded to Dr. Kozel.

The Nationwide Foundation's support for endowed chairs reflects a broader belief that investing in talented people, especially in the medical field, can have a lasting effect, creating discoveries and breakthroughs that benefit families long into the future.

Today, the Nationwide Foundation continues that legacy. Since 2000, it has contributed more than $745 million to nonprofit organizations serving the communities where Nationwide associates and their families live and work.

The Community Champions Award highlights Small Commercial agency partners that go above and beyond through volunteer service and civic engagement. Each winning agency will help direct a $35,000 Nationwide-funded donation to a local Feeding America-affiliated food bank or the American Red Cross.  

“For decades, Nationwide has worked alongside agency partners to protect the small businesses helping to drive communities forward. Those local connections continue to be a big part of who we are today,” said Casey Kempton, Nationwide's President of P&C Personal and Small Commercial Lines. “Through the Community Champions Award, we’re proud to recognize agency partners who are giving back and doing vital work at the local level.” 

The 2026 Community Champion Award winners are: 

• ASAP Insurance Services (SIAA), North Palm Beach, FL — Donation directed to the American Red Cross
• FRM Group Insurance and Financial Services (First Choice) Stroudsburg, PA – Donation directed to Second Harvest Food Bank of Lehigh Valley and NE PA
• HUB Mountain States, Billings, MT — Donation directed to Idaho Foodbank, Montana Foodbank Network and Food Bank of the Rockies
• Rancho Mesa Insurance Services (First Choice), San Diego, CA — Donation directed to Feeding San Diego
• Randy Jones & Associates (Leavitt Group), Albertville, AL — Donation directed to Food Bank of North Alabama
• Snotherly Insurance Agency (Highstreet), Raleigh, NC — Donation directed to Food Bank of Central & Eastern North Carolina
• Univest Insurance, Lansdale, PA — Donation directed to Philabundance 

Community Champion Award winners were selected based on their commitment to service to others, local leadership and overall partnership with Nationwide.  

“Our agency partners are entrepreneurs, advocates and leaders in the communities they serve,” said Kempton. “We’re excited to celebrate their contributions and support organizations that are making a meaningful difference for the future.”

For the second consecutive quarter, pension risk transfer (PRT) market activity declined, continuing the slowdown that began in 2025. The market recorded sales of $3 billion in the second quarter of 2026, down 26% year over year, according to LIMRA’s U.S. Group Annuity Risk Transfer Survey. Despite the slower pace, Nationwide’s head of PRT, Paula Cole, expects activity to accelerate in the second half of the year as plan sponsors continue evaluating de-risking opportunities. Cole discussed what’s driving the slowdown, why buy-in transactions are gaining momentum and what advisors should watch as the market evolves.

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The new service, available through the VetHelpline® App in qualified states, will closely mirror a virtual doctor’s visit for people. For the first time, it gives Nationwide policyholders the ability to schedule a virtual visit with a licensed veterinarian who can evaluate symptoms, diagnose certain conditions, prescribe medication when appropriate and help families determine whether an in-person visit is needed.  

“Nationwide is focused on making it easier for pet families to access the care and guidance they need. Expanding VetHelpline to include telemedicine gives eligible policyholders another convenient way to connect with a veterinarian and make informed decisions about their pet’s care,” said Joel Carnes, Chief Pet Officer for Nationwide Pet Insurance. 

VetHelpline has offered complimentary teletriage services to members since 2015, relaunching through the VetHelpline app with FirstVet in 2024. This new feature builds on Nationwide’s commitment to making veterinary care more accessible and convenient for its policyholders. Existing teletriage services will continue to be available to help pet parents assess symptoms and determine whether home monitoring, primary veterinary care or emergency care may be appropriate. 

“Many of the concerns that prompt pet parents to seek immediate answers, including skin allergies, minor digestive upset and behavioral concerns, may be appropriate for a virtual consultation," said Dr. Emily Tincher, Chief Veterinary Officer for Nationwide. "Telemedicine gives families another way to connect with a veterinarian, determine the next step in their pet's care and, when appropriate, receive prescription treatment without waiting for an in-person appointment. Telehealth services are designed to complement—not replace—ongoing care from a pet’s primary veterinarian.” 

FirstVet powers the veterinary consultation experience behind the VetHelpline® app. The app has earned a five-star rating in the Apple App Store based on over 7,000 customer reviews, reflecting high levels of policyholder satisfaction with the virtual care experience. 

“Pet owners increasingly expect convenient access to veterinary guidance. Together, we're helping eligible Nationwide policyholders connect with experienced veterinarians when questions arise, often without needing to leave home.” said Caroline Caldemar, Chief Veterinary Officer for FirstVet. 

The telemedicine program is available to policyholders in Arizona, California, Florida, Idaho, Washington, New Jersey, New York, Ohio, Rhode Island, Vermont, Virginia, as well as Washington, D.C. Teletriage services will continue to be available for all policyholders. If pet parents are concerned that their pet may be experiencing an emergency, they should present their pet for in-person veterinary evaluation immediately. 

To learn more about Nationwide pet insurance and VetHelpline®, visit PetInsurance.com. 

This year’s investment will expand access to genomic and genetic testing across Nationwide Children’s intensive care units and primary care clinics, supporting faster diagnoses and more personalized care. Funding will also support advanced testing for children with cancer and the development of new technologies. Additionally, Nationwide’s sports marketing programs including the Nationwide Children’s Hospital Championship golf tournament have raised more than $70 million for the hospital’s programming. 

“Impact grows when organizations unite around a shared purpose and make long-term commitments to improving lives,” said Nationwide CEO and Nationwide Foundation Chairman Kirt Walker. “For nearly 70 years, Nationwide and Nationwide Children’s have worked side by side to help children and families thrive. This investment builds on that legacy by advancing groundbreaking research and innovation, strengthening communities and addressing the factors that help children live healthier lives.”

Since its launch, the Pediatric Innovation Fund has fueled the continued growth of the Steve and Cindy Rasmussen Institute for Genomic Medicine, a national leader in pediatric genomic medicine, where researchers and clinicians use genetic information to improve diagnoses and personalize care. Physicians, genetic counselors and other staff work directly with patients and families, using genomic testing through the Institute for Genomic Medicine to advance therapies for rare and complex diagnoses.

A recent advancement from the institute is rapid genome sequencing (rGS), which provides the fastest diagnoses for the sickest patients. Making rGS available to clinicians represents years of work to bring genomics to the clinic and has resulted in better care and outcomes for hundreds of children to date. The institute also continues to advance understanding of genetic disease, even as thousands of rare diseases are identified around the world. Currently, about 8,000 rare diseases have been identified, with 40 to 50 new rare disease genes discovered each month.

“The support of the Nationwide Foundation has been instrumental in establishing the Institute for Genomic Medicine as a national leader in pediatric precision medicine,” said Tim Robinson, Nationwide Children’s chief executive officer. “Their investment has helped transform groundbreaking scientific discoveries into real-world care for children, enabling earlier diagnoses, more targeted treatments and better outcomes. As we look to the future, this continued commitment will help us bring the benefits of genomic medicine to even more children and families.”

Investing in Research Leadership
The Pediatric Innovation Fund will also establish a new endowed chair, bringing the total number of Nationwide Foundation-supported endowed chairs at Nationwide Children’s to 19. An endowed chair is among the highest honors bestowed upon physicians, scientists and academic leaders. It recognizes excellence in pediatric healthcare and research while providing long-term philanthropic support to advance innovation, discovery and patient care.

The Nationwide Foundation Endowed Chair in Genetic Medicine has been awarded to

Beth Kozel, MD, PhD, chief of the Division of Genetics and Genomic Medicine and director of Constitutional Genomics Translational Research at Nationwide Children’s. In addition to her leadership roles in genetics and genomic medicine, Kozel is a nationally recognized physician-scientist whose research focuses on genetic conditions such as Williams syndrome and on developing new genetic therapies to improve outcomes.

Supporting Community Wellness Together
Other programs benefiting from this year’s $10 million gift include:

• Biomedical Data Sciences: Nationwide Foundation’s continued investment in Nationwide Children’s biomedical data sciences supports the infrastructure that researchers need to use data to help drive discovery and bring innovative analytics into clinical care, helping accelerate breakthroughs and improve the health of children for years to come.
• Affordable Housing: Additional funding to Nationwide Children’s Healthy Neighborhoods Healthy Families initiative will support the development of new rental homes in Columbus’ Linden and South Side neighborhoods.
• Injury Prevention: Funding will support the expansion of ProjectDRIVE (Driving Risk Intervention and Virtual Education), a pilot teen driving safety program operating in 10 Ohio counties following a traffic violation. Led by researchers at Nationwide Children's Center for Injury Research and Policy, the evidence-based initiative helps parents and teens build safer driving habits through education and communication strategies aimed at reducing crashes and preventing injuries.
• The Kids Mental Health Foundation: Funding will support the development of resources that help parents protect their children's mental health in the digital age. Through free, expert-developed tools and educational materials, The Kids Mental Health Foundation provides actionable steps parents can take to understand the relationship between technology and mental health, talk with their children about healthy technology use, and establish boundaries that support emotional well-being.

Established in 2014, the Pediatric Innovation Fund supports pediatric and community health initiatives while advancing research and clinical discoveries at Nationwide Children’s. Including Nationwide Foundation’s transformational $50 million gift in 2006, the 12 years of support through the Pediatric Innovation Fund and a historic $100 million future commitment made in 2024, the Nationwide Foundation has dedicated more than $180 million in total to Nationwide Children’s.

About Nationwide Children’s 
At Nationwide Children's, what matters most to families — their child — matters just as deeply to us. With our promise, "Your Everything Is Our Everything," we commit to keeping patients and families at the center of all we do. Named to the U.S. News & World Report’s 2026-27 Best Children’s Hospitals Honor Roll, Nationwide Children’s is one of the nation’s largest not-for-profit, free-standing pediatric healthcare systems and a global leader in pediatric care, research and innovation. Nationwide Children's leads the transformation of children’s health through nationally recognized clinical excellence, groundbreaking research and a commitment to achieving the best outcomes for children everywhere. Our dedication to improving child health extends beyond the hospital's walls and into the communities we serve. Nationwide Children’s has a staff of more than 17,000 that provides state-of-the-art wellness, preventive and rehabilitative care and diagnostic treatment during more than 2 million patient visits annually. As the home of the Department of Pediatrics of The Ohio State University College of Medicine, Nationwide Children’s educates and trains the next generation of pediatricians and pediatric specialists. The Abigail Wexner Research Institute at Nationwide Children’s is one of the Top 10 National Institutes of Health-funded free-standing pediatric research facilities, advancing discoveries that improve the lives of children around the world. For more information, visit NationwideChildrens.org.

About The Nationwide Foundation
The Nationwide Foundation is a nonprofit, private foundation to which Nationwide companies are the donors. Founded in 1959, the Nationwide Foundation has contributed more than $745 million since 2000 to help nonprofit organizations in communities where Nationwide associates and their families live and work.

“Nationwide is proud to continue our focus on industry-defining IUL innovation with our product development partner, Annexus, and our investment partner, Capital Group, the world’s largest global active fund manager³,” said Chuck Bremer, vice president of product development for Nationwide’s life insurance business. “This builds on the success of New Heights Select, which we introduced as the first fixed indexed annuity to offer a strategy tied to an actively managed mutual fund.”

The Growth Fund of America is an actively managed mutual fund that offers a flexible approach to growth investing. The fund seeks opportunities in traditional growth stocks as well as cyclical companies and turnaround situations with significant potential for growth of capital. The Growth Fund of America distinguishes itself through Capital Group’s distinct multi-manager system, with a team of 12 portfolio managers averaging 29 years of investment industry experience.

“The expansion of our strategic collaborations with industry leaders like Nationwide, Capital Group and S&P Dow Jones Indices reflects our commitment to delivering first-to-market innovation and meaningful outcomes for financial professionals and their clients,” said Ron Shurts, CEO and Co-Founder of Annexus.

New Heights IUL II will also include the S&P 500 Distance Stabilizer Index⁴. Developed in collaboration with Société Générale, the index dynamically adjusts its exposure to the S&P 500 without relying on fixed volatility targets, bonds or commodities, helping provide greater stability over time. The structure of the S&P 500^® Distance Stabilizer Index facilitates Nationwide New Heights IUL II's ability to provide higher participation rates and more stable strategy renewal rates.

New Heights IUL II also features the following features:

• Performance Lock, an optional feature that allows policy owners to lock in gains once a selected performance level has been reached. After activation, the segment's indexed value is locked in and protected from market downturns for the rest of the term.
• A High Par 5 Strategy provides a “better-of” 5-year rate-lock guarantee on 1-year point-to-point index segments. The option is now available with three indices and on all new premiums throughout the life of the policy, providing more certainty through changing interest rate environments.
• An 8% Enhanced DCA rate, which provides an enhanced crediting rate as clients are gradually moved into indexed strategies each month over the first year.

Financial professionals interested in Nationwide New Heights IUL II should contact their Nationwide wholesaler or Annexus-affiliated distribution company. Individual investors interested in learning more should contact their financial professional or visit www.newheightsiul.com.

In the past year, more than two-thirds (68%) of Gen Z adults looked for higher-paying jobs or additional income, as opposed to only 56% of Millennials. Half (50%) of Gen Z adults also earned money beyond their primary income source and more than a third (34%) invested time or money in building skills to increase their earning potential.

Yet Gen Z’s score on Nationwide Financial’s Growth and Protection Index is 49, only modestly more growth-oriented than Millennials (50) and Gen X (52). The Index places Americans on a scale of zero to 100, with a score of zero indicating a complete focus on growing assets and a score of 100 indicating a complete focus on protecting what they have.

This score suggests that while Gen Z is taking action to improve their finances, the activity isn’t translating into a dramatically more growth-oriented financial posture. Immediate financial pressures may be getting in the way, with nearly seven in 10 Gen Z adults experiencing a significant increase in essential living expenses in the last year, and 46% worrying about their finances every day. Those pressures are also shortening their view of the future: 61% primarily make financial decisions looking less than a year ahead.

“Gen Z’s score on our index is surprising because you might expect younger adults to be much more focused on wealth accumulation,” said Craig Hawley, President and COO of Nationwide Financial. “But younger generations are facing more immediate demands on their money, from basic necessities to student loan debt, making it harder to focus on long-term financial planning. This mindset could represent a missed opportunity for a generation who has the benefit of more time before their retirement, meaning money invested today has longer to compound as they build their retirement nest egg.”

Gen Z wants financial guidance, highlighting an opportunity for advisors and employer-sponsored retirement plans
Gen Z’s short planning horizon isn’t a sign of low financial ambition. In fact, despite their shorter planning horizons, Gen Z appears unusually receptive to professional financial guidance. Nearly half (45%) say they want to work with a financial professional, compared with just 30% of consumers overall.

For financial professionals, Gen Z's willingness to accept counsel creates an opportunity, but serving this generation may require a different approach. While Gen Z is already taking steps to improve their financial situation, many lack a long-term framework that connects individual actions to where they want to be years from now.

“There is a clear opportunity for advisors and plan sponsors to meet Gen Z where they are with actionable guidance,” Hawley said. “This group needs help striking the right balance between addressing immediate financial obligations and taking advantage of longer-term investment opportunities. That could mean helping young clients determine how much to keep accessible for near-term needs, where they can afford to take risks, and how to identify a portion of their income to invest for the future. This group may also benefit from education around the power of compounding interest, and a deeper understanding of how their longer time horizon makes them better positioned to weather short-term market volatility than older generations who are closer to retirement.”

To learn more about the first-ever Nationwide Financial Growth & Protection Index, view an infographic, review the data or view a blog post from Craig Hawley.

Methodology
The Nationwide Financial Growth & Protection Index research was conducted online in the United States among 2,000 adults age 22 and older. The survey was fielded May 1–14, 2026. Respondents were nationally representative by age, gender, race/ethnicity, region, employment status and income level. The Index measures how consumers balance financial growth and financial protection by evaluating responses across three dimensions: mindset, actions and confidence. Individual pillar scores were weighted and combined to produce an overall Index score ranging from 0 to 100, with lower scores indicating a stronger growth orientation and higher scores indicating a stronger protection orientation.